Retire In Texas: Recent Episodes

Darryl Lyons

If you are close to retirement and your plan is to retire in Texas, this is the right money conversation for you. Here you will learn the Texas nitty-gritty of money and financial topics from a highly sought-after financial advisor, author, co-founder, and CEO of PAX Financial Group, Darryl Lyons. If your faith, family, and freedom are important to you, then you will love the Retire in Texas Podcast.

Why do so many people stay on top of vehicle maintenance but put off their own health?

In this episode of Pivot with Darryl Lyons, Darryl explores why preventive healthcare is one of the most overlooked long-term investments we can make. Using the analogy of routine vehicle maintenance, he explains how delaying checkups and treatment often leads to greater financial, physical, and emotional costs later in life.

Darryl also discusses the four most common reasons people postpone care: inconvenience, confusion around health insurance, cost, and fear of receiving bad news. He shares practical ways to overcome each barrier while encouraging listeners to think beyond today's discomfort and focus on long-term well-being.

You'll learn:

Why preventive healthcare mirrors routine vehicle maintenance
The four biggest reasons people delay medical care
How telemedicine can reduce barriers to treatment
Why understanding your health insurance matters
How fear and cost influence long term health decisions
Why small actions today can prevent bigger problems tomorrow

Whether you're navigating rising healthcare costs, avoiding a checkup, or helping a loved one make healthier decisions, this episode offers a practical perspective for thinking long-term.

Benefiting from the show? We'd appreciate it if you left a review on your favorite podcast platform.

Resources:

Full Synthetic Oil Benefits: 8 Reasons It Pays Off

2026 Healthcare Cost Report: The Deepening Affordability Crisis Free Report

Insured but skipping care: 38% of Americans delay treatment over costs, study finds | Medical Economics

Change is inevitable, but navigating it well is a skill.

In this episode of Pivot with Darryl Lyons, Darryl explores John Kotter's eight principles for leading change and explains how they apply far beyond the workplace. Whether you're changing careers, moving your family, building a business, improving your finances, or developing better habits, successful change requires more than motivation. It requires vision, accountability, communication, and resilience.

Drawing from personal experiences, leadership lessons, and financial planning conversations, Darryl shares practical strategies for creating lasting change without creating unnecessary panic. He discusses the importance of building the right support system, communicating a compelling vision, overcoming obstacles, celebrating early wins, and developing the habits that make meaningful change stick.

You'll learn:

● Why every meaningful change begins with honest self-assessment

● How to create urgency without creating fear

● The importance of building a guiding coalition in business, marriage, and life

● Why you don't need every answer before taking the first step

● How to manage emotional responses during seasons of change

● The power of celebrating early wins to build long-term momentum

● Why accountability systems are essential for lasting personal growth

● Practical ways to make positive habits stick over time

Whether you're leading an organization, managing your finances, raising a family, or pursuing personal growth, this episode offers a practical framework for navigating change with confidence and purpose.

Benefiting from the show? We'd appreciate it if you left a review on your favorite podcast platform.

Should you react every time the market swings, or is doing nothing sometimes the smartest financial move you can make?

In this episode of Pivot with Darryl Lyons, Darryl explores why resisting the urge to constantly adjust your investments may lead to better long-term outcomes. Using an unexpected lesson from World Cup penalty kicks, he explains the psychology behind action bias and why investors often feel compelled to make changes even when patience is the better strategy.

From understanding Roth IRAs versus traditional retirement accounts to learning how emotional decision-making can hurt investment performance, this episode offers practical insights for building confidence during uncertain markets. Darryl also shares why tax diversification, annual financial checkups, and filtering out financial noise are essential parts of a successful long-term investment strategy.

You'll learn:

Why doing nothing can sometimes be the best investment decision

The hidden emotional cost of trying to time the stock market

How Roth IRAs compare to traditional IRAs and 401(k)s

Why tax diversification can create more flexibility in retirement

How market volatility affects investor behavior

Practical ways to stay disciplined during market uncertainty

Why long-term investing often outperforms emotional reactions

Whether you're planning for retirement, navigating market volatility, or simply looking to become a more confident investor, this episode provides practical strategies to help you make thoughtful financial decisions instead of emotional ones.

Benefiting from the show? We'd appreciate it if you left a review on your favorite podcast platform.

Resources:

What Percentage of the Time Do Stocks Go Up? - by Ira Roth

Action bias among elite soccer goalkeepers: The case of penalty kicks - ScienceDirect

Dow rises 423 as stocks whipsaw again – Orange County Register

S&P 500 Price Return, Dividend Return, and Total Return

Capital markets are adapting to retail investor growth | RSM US

Is America still the best place to invest for the future? In this episode of Pivot with Darryl Lyons, Darryl explains why he remains confident in the long term strength of the United States and why innovation continues to fuel its economic leadership. From artificial intelligence to the global dominance of US companies, he shares the key factors shaping his investment outlook.

Darryl also explores why his firm's portfolios often lean toward US investments, breaking down the advantages of America's accounting standards, political stability, and the strength of the US dollar compared to many international markets. Plus, he answers a listener question about Health Savings Accounts and whether it's possible to save too much in an HSA.

You'll learn: ● Whether it's possible to save too much in a Health Savings Account

● Why the United States continues to be a leader in global investing

● How accounting standards, government stability, and currency risk impact investment decisions

● Why AI and quantum computing could shape the next era of economic growth

● The role of the US dollar in the global economy

● What long-term investors should consider when building a diversified portfolio

Whether you're planning for retirement, investing for long-term growth, or trying to better understand today's global markets, this episode offers valuable perspective on why America continues to stand out as a destination for innovation and investment.

Benefiting from the show? We'd appreciate it if you left a review on your favorite podcast platform.

Resources:

Ushering in the Next Frontier of Quantum Innovation – The White House

US Quantum Computing Companies: Complete 2026 Guide

America at 250 in 6 charts | Capital Group

Pros and Cons of International Accounting Standards | Luxwisp

How Will the 2026 Midterm Elections Affect Your Investments?

Description:Could the 2026 midterm elections impact your portfolio, or is the real risk how investors react to the headlines?

Political seasons often bring uncertainty, emotional decision-making, and nonstop media coverage that can tempt investors to make costly financial mistakes. In this episode, Darryl Lyons explains why election cycles create market anxiety, how political messaging influences investor behavior, and what history can teach us about staying disciplined during volatile times.

You'll learn why reacting emotionally to elections has historically hurt long-term returns, how to filter out political noise, and three practical steps to protect both your financial future and your peace of mind.

Whether you're concerned about the markets, the economy, or the upcoming election, this episode offers a thoughtful perspective on making smarter financial decisions when emotions run high.

In this episode: • How the 2026 midterm elections could influence investor sentiment • Why political headlines often trigger emotional investing • The "Threat Protector" framework used in political messaging • Historical stock market performance during election years • Why staying invested often beats trying to time the market • Three strategies to navigate election season without hurting your portfolio

For more financial insights and resources, visit paxfinancialgroup.com

This content is for informational and educational purposes only and should not be construed as investment advice or a recommendation to take any specific action. References to market performance or historical trends are illustrative and do not guarantee future results. Third-party resources are provided for additional perspective and do not reflect endorsements or predictions by Pax Financial Group.

Resources:

Midterm elections are coming in 2026. Here's what 100 years of data tell us about how stocks may react. | Morningstar

Midterm Elections and Stock Market Trends | BlackRock

What if your biggest financial decisions have less to do with math and more to do with your childhood?

After more than 200 episodes of Retire in Texas, Darryl Lyons introduces the next chapter of the podcast: Pivot with Darryl Lyons. This new direction expands beyond retirement planning to explore the connection between wealth, leadership, and life while staying grounded in practical wisdom from thousands of real conversations with clients and families.

In this episode, Darryl explains why financial choices are often shaped by early experiences, how those beliefs influence major life transitions, and why developing better decision-making frameworks is essential in a world constantly competing for your attention. He also shares the vision behind the podcast's three pillars: wealth, leadership, and life, and what listeners can expect in future episodes.

You'll learn:

Why childhood experiences often shape your financial decisions more than investment knowledge
The story behind the transition from Retire in Texas to Pivot with Darryl Lyons
How behavioral finance influences retirement and major life decisions
Why leadership starts with having a clear vision for your future
How to recognize and challenge inherited beliefs about money
What it means to pivot with principles instead of simply retiring
What to expect from future episodes covering investing, leadership, legacy, and personal growth

Whether you're planning for retirement, leading a business, navigating life's next chapter, or simply looking to make more informed financial decisions, this episode introduces the vision behind Pivot with Darryl Lyons and the conversations that will help you think differently about wealth and life.

Benefiting from the show? We'd appreciate it if you left a review on your favorite podcast platform.

This information is general in nature only. It's not intended to provide specific investment, tax, or legal advice. Visit Pax Financial Group for more information.

What can the largest IPO in history to date teach everyday investors about building long-term wealth?

The recent public offering of SpaceX captured headlines around the world, generating excitement, speculation, and a healthy dose of fear of missing out. While rockets, space exploration, and ambitious visions for the future make for fascinating conversation, the real lessons for investors go far beyond the company itself.

In this episode of Retire in Texas, Darryl Lyons examines the historic SpaceX IPO through the lens of investor behavior, market psychology, and long-term financial planning. He explores why liquidity events matter, how emotions like FOMO and euphoria can influence decision making, and what investors should consider before chasing the latest market trend. Darryl also discusses the role of diversification, the mechanics of index investing, and why maintaining a disciplined investment strategy remains critical even during moments of market excitement.

Whether you're intrigued by the future of space exploration or simply wondering if you should invest in the next big opportunity, this episode offers practical insights that can help you make more informed financial decisions.

You'll learn:

• What an IPO is and why liquidity events are important for investors and companies. • How fear of missing out can lead to costly investment mistakes. • Why euphoria and panic are closely related emotions in the investing world. • How large public companies eventually become part of diversified portfolios and market indexes. • The role capitalism plays in funding innovation and entrepreneurial vision. • Key questions every investor should ask before purchasing an individual stock. • Why diversification remains one of the most effective tools for managing risk.

If you've ever wondered whether you should chase the latest investment opportunity or stay focused on your long-term plan, this episode provides a valuable perspective on balancing excitement with discipline and keeping your financial goals front and center.

Benefiting from the show? We'd appreciate it if you left a review on your favorite podcast platform.

Resources:

The SpaceX IPO: How Index Funds Are Adapting | Morningstar

IPO Data - Jay R. Ritter

This content is for informational and educational purposes only and should not be construed as investment, tax, or legal advice. All investments involve risk, including the potential loss of principal. Past performance or historical trends are not indicative of future results. Please consult your financial advisor before making any investment decisions.

What if the most valuable financial gift you could give your children or grandchildren isn't money at all?

Many families spend significant time thinking about inheritances, college savings plans, and investment accounts. While these tools can create opportunities for future generations, they are only part of the equation. The reality is that financial success is often shaped less by how much money someone receives and more by the habits, values, and behaviors they develop over time.

In this episode of Retire in Texas, Darryl Lyons explores the difference between leaving an inheritance and leaving a legacy. Using the introduction of new government-funded investment accounts as a starting point, he explains why financial discipline, work ethic, and healthy money habits remain the true drivers of long-term financial success. Darryl shares practical lessons from his own experience as a parent, along with insights on how families can teach children to navigate money in a world filled with consumerism, emotional spending, and financial distractions.

Whether you are raising young children, guiding teenagers, or helping grandchildren prepare for the future, this episode offers a thoughtful framework for building financial wisdom that can last for generations.

You'll learn: • Why financial habits often matter more than financial gifts. • How education and inspiration work together to create lasting financial behaviors. • The importance of involving children in real-world money decisions and experiences. • Why different children learn about money in different ways. • How work ethic and responsibility contribute to long-term financial success. • Why emotions can be one of the biggest obstacles to making wise financial decisions. • Practical ways parents and grandparents can leave a lasting financial legacy.

If you're a parent, grandparent, or anyone hoping to help the next generation develop a healthy relationship with money, this episode provides practical guidance on teaching financial responsibility, building character, and creating habits that can benefit families for years to come.

Benefiting from the show? We'd appreciate it if you left a review on your favorite podcast platform.

References:

Financial Literacy Education in the United States

Trump Accounts: What Are They and Should You Invest? | Financial Advisors | U.S. News

Teach Your Teenager About Money (or they will live w/ you forever)

What really drives successful investing over the long term?

Many investors focus on stock tips, market headlines, or the latest trend, assuming that wealth is built by finding the next big winner. But what if the real key to investing is understanding the different disciplines working behind the scenes in a professionally managed portfolio?

In this episode of Retire in Texas, Darryl Lyons breaks down three essential approaches that influence how investments are selected and managed: technical analysis, fundamental analysis, and valuation analysis. He explains how each discipline serves a different purpose, why no single approach is perfect on its own, and how professional investment managers often combine all three to make informed decisions.

Drawing from personal experiences, market observations, and current trends surrounding artificial intelligence, Darryl provides a practical look at how investment professionals evaluate opportunities in today's rapidly evolving economy. He also discusses why outsourcing these complex disciplines to experienced managers can help investors stay focused on their long-term financial goals.

You'll learn: • What technical analysis is and how market trends can influence investment decisions. • How fundamental analysis evaluates a company's financial health and long-term potential. • Why valuation matters and how investors determine whether a stock is reasonably priced. • The strengths and limitations of each investment discipline. • How mutual funds and ETFs often combine multiple investment approaches. • Why artificial intelligence is currently playing a major role in shaping market trends. • How investors can benefit from understanding these concepts without becoming experts themselves.

Whether you're new to investing, working with a financial advisor, or simply curious about how professional portfolios are managed, this episode provides a helpful framework for understanding the key disciplines that drive investment decisions.

Benefiting from the show? We'd appreciate it if you left a review on your favorite podcast platform.

How does innovation influence markets, technology adoption, and long-term economic thinking?

Many people hear about artificial intelligence, automation, new technology, or economic uncertainty and immediately wonder what it means for their money. But what if innovation is not something to fear, but something that can influence markets, investing, and long-term economic growth?

In this episode of Retire in Texas, Darryl Lyons explores the role innovation has played throughout history, from the Scientific Revolution and Industrial Revolution to the internet age and today's rise of artificial intelligence. He explains why economic forecasts often miss the impact of innovation, how new technology can bring both opportunities and unintended consequences, and why long-term investors should pay attention without letting fear drive their decisions.

You'll learn:

Why innovation has been part of human progress and renewal.
How the Scientific Revolution, Industrial Revolution, and internet age changed society in ways people could not fully predict at the time.
Why new technology often creates concern, especially when it challenges tradition or changes daily life.
How artificial intelligence is already being used in areas like healthcare, aging, travel planning, and personal support.
Why boundaries and discernment matter when adopting new technology.
How innovation can influence markets, investing, and long-term economic growth.

AI may feel new, disruptive, and even uncomfortable, but Darryl explains why completely ignoring innovation can leave individuals, families, investors, and even communities behind. Instead of reacting with fear, he encourages listeners to stay curious, understand both the benefits and risks, and remember that long-term investing has often been connected to human creativity, problem-solving, and progress.

Benefiting from the show? We'd appreciate it if you left a review on your favorite podcast platform.

What insurance coverages should you review as part of your long-term financial plan?

Many people do not spend much time thinking about insurance until something goes wrong. But what if reviewing your coverage now could help protect your family, your income, your assets, and your identity when life takes an unexpected turn?

In this episode of Retire in Texas, Darryl Lyons walks through six types of insurance coverage that individuals and families should revisit: life insurance, health insurance, long-term care insurance, disability insurance, umbrella coverage, and cybersecurity or identity theft protection. He explains why each one plays a different role and how the right coverage can help reduce financial stress during already difficult moments.

You'll learn:

• Why life insurance is not a "rich or poor" issue, but a family protection issue.

• How health insurance and alternative options like sharing plans can fit into the conversation.

• Why long-term care planning should include family roles, communication, and potential caregiving burdens.

• How disability insurance can help protect income for those who are still working.

• Why umbrella coverage may matter for families with assets, teenage drivers, boats, or other liability risks.

• How cybersecurity and identity theft protection can help when scams, phishing texts, ransomware, or stolen personal information disrupt your life.

Insurance planning may not be exciting, but it is an important part of thinking long term. Darryl explains why reviewing your policies, checking beneficiaries, understanding deductibles, and talking through family care expectations can help you build a more complete financial plan.

Benefiting from the show? We'd appreciate it if you left a review on your favorite podcast platform.

What are the investing basics that can help shape long-term financial decisions?

Many people hear terms like stocks, bonds, ETFs, mutual funds, dividends, or Roth IRAs and assume they already understand the basics. But what if going back to the basics helps inform people as they make money decisions?

In this episode of Retire in Texas, Darryl Lyons breaks down the core building blocks of investing in a way that is simple and easy to share with kids, college students, young adults, or anyone who wants a clearer understanding of how money can work over time. He explains the difference between stocks, bonds, and cash, while also showing why discipline and long-term thinking can matter just as much as the investments themselves.

You'll learn:

• What stocks represent and why ownership in companies has historically helped build wealth.

• How growth stocks, income stocks, dividends, and company size can affect an investment portfolio.

• Why bonds are different from stocks and how risk, return, and time horizon come into play.

• Why cash can be useful for emergencies but may not be ideal as a long-term investment.

• How mutual funds and ETFs allow investors to own many companies through one investment vehicle.

• Why Roth IRAs can be a powerful tax-advantaged tool when used properly.

Investing can feel complicated, but Darryl explains why the basics are worth revisiting. Stocks, bonds, cash, ETFs, and retirement accounts all have a role to play, but the bigger lesson is learning how to think long term, stay disciplined, and build a framework that fits your own situation.

Benefiting from the show? We'd appreciate it if you left a review on your favorite podcast platform.

What should long-term investors understand about the Federal Reserve?

Many people see headlines about the Fed, interest rates, inflation, oil shocks, or the economy and immediately wonder what it means for their money. But what if the better response is not panic, but perspective?

In this episode of Retire in Texas, Darryl Lyons breaks down the Federal Reserve in a way that is practical, historical, and easy to understand. He explains why the Fed exists, how its decisions influence interest rates and inflation, and why headlines about rate hikes or price shocks can create so much noise for investors.

You'll learn:

• Why the Federal Reserve was created and how its role has changed over time. • What the Fed's dual mandate means for inflation and employment. • How interest rate decisions can affect borrowing, business growth, and the broader economy. • Why Federal Reserve headlines can feel so powerful, even when the full story is more complex. • How long-term investors can separate short-term noise from the bigger picture.

The Federal Reserve plays an important role in the economy, but Darryl explains why investors should be careful not to let every headline control their long-term thinking. Markets, interest rates, and economic policy will continue to change, but patience, perspective, and ownership in good businesses still matter.

Benefiting from the show? We'd appreciate it if you left a review on your favorite podcast platform.

What can the San Antonio Spurs teach us about life, leadership, and long-term success?

Many people see the Spurs as one of the most respected organizations in basketball, known for championships, consistency, and a culture that has lasted for decades. But what if the bigger lesson is not just about sports, but about the principles that can shape a business, a family, and a life?

In this episode of Retire in Texas, Darryl Lyons reflects on the San Antonio Spurs organization and the attributes that have helped define what many people call "The Spurs Way." Drawing from years of observation and personal respect for the organization, Darryl breaks down four qualities that have made the Spurs stand out: humility, relationships, foresight, and resilience.

You'll learn:

• Why humility has played such an important role in the Spurs' culture.

• How relationships, family, and intentional connection helped shape the organization.

• Why long-term thinking and foresight have allowed the Spurs to adapt across different eras.

• What "pounding the rock" teaches us about consistency, patience, and resilience.

• How lessons from the Spurs can apply to business, family, money, and life.

The San Antonio Spurs are more than a basketball team to the city they represent. Darryl explains why their example offers valuable lessons for anyone trying to build something that lasts.

Benefiting from the show? We'd appreciate it if you left a review on your favorite podcast platform.

What can Europe's economic challenges teach us about America, faith, and long-term investing?

Many people see headlines about Europe's economy, rising poverty rates, regulation, energy issues, and declining standards of living and wonder what it all means for investors. But what if the bigger takeaway is not fear, but perspective?

In this episode of Retire in Texas, Darryl Lyons shares his thoughts after recent time spent in the UK and Europe, reflecting on the differences between Europe and the United States from a cultural, economic, faith-based, and investment perspective. He discusses why America's capital markets, culture of risk-taking, and foundation of trust remain meaningful strengths, while also explaining why European companies may still have a place in a diversified portfolio.

You'll learn:

• Why Darryl believes America remains a powerful environment for innovation, entrepreneurship, and wealth creation.

• How faith, trust, family, and culture can influence economic strength.

• Why regulation, energy policy, and population decline may be creating challenges across parts of Europe.

• What investors should understand before reacting to European exposure in their portfolios.

• How long-term thinking can help investors stay grounded when global headlines feel concerning.

Europe may be facing real challenges, but that does not mean investors should panic. Darryl explains why perspective matters, why diversification still has value, and why appreciating America's strengths can help us think more clearly about the future.

Benefiting from the show? We'd appreciate it if you left a review on your favorite podcast platform.

Resource:

https://cbn.com/news/world/europe-getting-poorer-and-some-think-its-poverty-spikes-could-spark-revolution?

What should your mindset be when markets feel uncertain and life does not go according to plan?

Many people assume their financial success is driven mostly by market performance, timing, or access to the right opportunities. But what if one of the bigger influences on your long-term net worth is actually the mindset you bring to everyday decisions, setbacks, and uncertainty?

In this episode of Retire in Texas, Darryl Lyons explores the role optimism plays in your financial life and why it may matter more than you think. He shares practical ideas for identifying automatic negative thoughts, challenging the stories you tell yourself, and shifting from a mindset of frustration and comparison to one of progress and perspective.

You'll learn:

• Why optimism can play an important role in your overall financial well-being.

• How automatic negative thoughts can affect decision-making and long-term progress.

• What it means to live in the gap versus living in the gain.

• Why comparison and regret can lead to poor financial choices.

• Why serving others can shift your perspective in a healthier direction.

• How mindset can influence your investment behavior more than market headlines do.

Whether you have been feeling discouraged by the markets, frustrated by past decisions, or simply want a healthier framework for thinking about money and progress, this episode offers a practical reminder that your biggest financial obstacle may not be external at all.

Benefiting from the show? We'd appreciate it if you left a review on your favorite podcast platform.

Resource:

https://www.psychologytoday.com/us/blog/beyond-school-walls/202409/wired-for-positivity-how-optimism-shapes-our-well-being

What should you understand about artificial intelligence before you start using it?

Many people hear the term AI almost every day now, but still feel confused about what it is, how it works, and whether they are already behind. But what if the better place to start is not with fear or hype, but with a practical understanding of how AI fits into everyday life, business, and decision-making?

In this episode of Retire in Texas, Darryl Lyons is joined by Janise Brooks, President of PAX Financial Group, for a grounded conversation about artificial intelligence and why it matters right now. Together, they break down what AI is in simple terms, why tools like ChatGPT changed the way everyday people interact with technology, and how context plays a major role in getting useful results.

You'll learn:

• What artificial intelligence is in simple, practical terms.

• Why AI feels like it is moving fast and why many people feel behind.

• How ChatGPT and similar tools differ from a traditional search engine.

• Why context matters when using AI well.

• What privacy and security concerns people should keep in mind.

• Why business owners may face risk if they ignore AI altogether.

Whether you are just starting to explore AI, trying to understand how it may affect your business, or simply looking for a more practical way to think about this fast-changing technology, this episode offers a helpful introduction to the conversation.

Benefiting from the show? We'd appreciate it if you left a review on your favorite podcast platform.

What should Texans understand about the state's rapid economic growth?

Many people see packed highways, busy small towns, and constant construction and assume Texas is just getting more crowded. But what if the bigger story is not simply population growth - it is the scale of economic development, infrastructure investment, and innovation reshaping the future of the state?

In this episode of Retire in Texas, Darryl Lyons explores the forces driving Texas' continued expansion and why that growth matters for residents, business owners, and investors alike. He shares personal observations from a trip through small-town Texas before zooming out to explain how Texas has continued to lead the nation in economic development. Darryl unpacks several major initiatives that highlight where the state may be headed next, including large-scale chip manufacturing tied to artificial intelligence, a major new refinery project in Brownsville, and the rise of autonomous trucking operations taking shape in Texas.

You'll learn:

• Why Texas has remained a national leader in economic development.

• How growth is reshaping small towns, infrastructure, and local communities.

• What major projects in chips, energy, and autonomous vehicles could mean for the future of the state.

• Why energy independence and refining capacity remain important economic themes.

• How business owners can view Texas growth as an opportunity rather than a threat.

• Why long-term investors may want to pay attention to the industries helping drive Texas forward.

Whether you are a longtime Texas resident, a business owner navigating a changing local economy, or an investor trying to better understand where future growth may come from, this episode offers perspective on the innovation, expansion, and economic momentum continuing to shape Texas.

Benefiting from the show? We'd appreciate it if you left a review on your favorite podcast platform.

Resources:

https://kodiak.ai/

What should investors understand before adding private credit to their portfolio?

Many people hear the phrase private credit and assume it is just another income-producing investment. But what if the real issue is not simply the yield it offers - it is understanding the structure, liquidity, and risk that come with it?

In this episode of Retire in Texas, Darryl Lyons breaks down the growing role private credit has begun to play in today's financial markets. He explains how private credit expanded after the 2008 financial crisis, why it became attractive to both institutions and individual investors, and how it helped fill a lending gap when traditional banks pulled back. He also walks through some of the recent stress points in the market, including investor withdrawals, concerns around software companies, and the broader conversation about risk in a changing economic environment.

You'll learn:

• What private credit is and why it grew after the 2008 financial crisis.

• How private lenders stepped in when banks became more restricted in their lending.

• Why private credit has appealed to investors seeking higher yields.

• What recent cracks in the private credit market may be signaling.

• Why liquidity limits and withdrawal restrictions can play an important role in risk management.

• How Darryl thinks investors should evaluate exposure, risk, and portfolio fit before making any decisions.

Whether you are hearing about private credit for the first time, trying to better understand how it fits within a diversified portfolio, or thinking through how risk should be managed in uncertain markets, this episode offers a practical framework for evaluating private credit with greater clarity and perspective.

Benefiting from the show? We'd appreciate it if you left a review on your favorite podcast platform.

Resources:

advisor.zacksim.com/l/376582/2026-03-23/5v89h3/376582/1774272361c55MbMDB/2026_03_21___MOTM___What_the_Private_Credit_Boom_is_Revealing.pdf

https://www.callan.com/blog/3q25-private-credit/

https://go.stepstonegroup.com/rs/664-QRQ-541/images/Cutting_through_the_noise_in_direct_lending_headlines.pdf?version=0

https://www.mercer.com/en-us/campaigns/investments/insights/alts/private-debt/private-credit-markets/

What really keeps people from building generational wealth?

Many people assume the biggest obstacle to building long-term wealth is picking the wrong investment. But what if one of the biggest barriers isn't market performance at all - it's trust?

In this episode of Retire in Texas, Darryl Lyons explores why trust may be one of the most overlooked components of building generational wealth. He explains why long-term financial success is not about perfectly timing the market, but about staying invested long enough for the process to work. He also breaks down the three-part foundation he believes is necessary for lasting wealth creation: trusting the markets, trusting that your advisor is acting in your best interest, and trusting that your advisory team is competent.

But this conversation goes beyond investment strategy alone. Darryl also examines the emotional and behavioral side of wealth building, showing how doubt, skepticism, and broken trust can cause people to hesitate, pull back, or abandon a sound long-term plan altogether. By understanding both the practical and psychological barriers, listeners can begin to see why trust plays such a central role in financial decision-making over time.

You'll learn:

• What Darryl believes is one of the biggest barriers to building generational wealth.

• Why long-term wealth building is not about timing the market perfectly.

• The three-part framework of trust he believes families need in order to stay invested.

• How broken trust can derail even a well-designed financial plan.

• Why fiduciary responsibility and advisor competency matter in the wealth-building process.

Whether you are trying to stay disciplined during market uncertainty, evaluate the strength of your financial plan, or think more intentionally about the kind of legacy you want to leave, this episode offers a practical framework for thinking about wealth through the lens of trust.

Benefiting from the show? We'd appreciate it if you left a review on your favorite podcast platform.

What are the smartest ways to give to charity while also being tax efficient?

Many people want to be generous. But what if the biggest obstacle to giving strategically isn't a lack of desire - it's behavior, emotion, and not knowing the right financial tools?

In this episode of Retire in Texas, Darryl Lyons explores the intersection of charitable giving, tax strategy, and behavioral finance. He breaks down three powerful giving tools - donor-advised funds, qualified charitable distributions (QCDs), and donating appreciated stock - and explains how each one can help individuals and retirees give more intentionally and efficiently.

But this conversation goes beyond tax mechanics. Darryl also unpacks the behavioral side of generosity, showing how concepts like the house money effect, mental accounting, and status quo bias can quietly shape the way people think about giving. By understanding both the financial and psychological barriers, listeners can begin to make more thoughtful, impactful charitable decisions.

You'll learn:

What a donor-advised fund is and why it has become such a popular charitable giving tool.
How qualified charitable distributions can help retirees give directly from IRA assets in a tax-efficient way.
Why donating appreciated stock may be more effective than selling it first and giving cash.
How behavioral finance influences generosity and charitable decision-making.
Why education and awareness are often the first steps toward more transformational giving.

Whether you're still working, already retired, or simply trying to become more intentional with your giving, this episode offers a practical framework for thinking through generosity with long-term perspective.

Benefiting from the show? We'd appreciate it if you left a review on your favorite podcast platform.

Is the escalating conflict with Iran something investors should worry about?

Global headlines about war, oil supply disruptions, and geopolitical tensions can make it feel like a major market crash is just around the corner. But are these fears grounded in probability - or simply possibility amplified by the news cycle?

In this episode of Retire in Texas, Darryl Lyons explores the investing skill of distinguishing between what is possible versus what is probable. Using the current tensions surrounding Iran and the Strait of Hormuz as a backdrop, Darryl explains how geopolitical events can influence markets through both economic effects and investor sentiment, and why headlines often exaggerate the real long-term impact.

Drawing on historical examples like Pearl Harbor and the assassination of President John F. Kennedy, Darryl walks through how markets have historically responded to major crises. While uncertainty can trigger short-term volatility, investors and institutions often shift quickly from panic to analysis, evaluating what events mean for economic growth, corporate earnings, and long-term investment opportunities.

You'll learn:

Why understanding the difference between possible and probable is a key investing skill.
How geopolitical conflicts like tensions with Iran can affect markets and oil supply.
What history shows about market reactions to major global events.
Why missing just a few of the market's best days can dramatically reduce long-term returns.
How diversification, time horizon, and portfolio structure help investors weather uncertainty.

Darryl also explains why investors should be cautious about reacting emotionally to alarming headlines. Whether markets are responding to geopolitical tensions, economic concerns, or unexpected global events, long-term investors can benefit from maintaining discipline rather than trying to time the market.

This episode serves as a reminder that while uncertainty is inevitable in investing, markets have historically endured wars, crises, and disruptions because the global economy continues moving forward. With proper perspective, diversification, and long-term planning, investors can build resilience in their financial strategy.

Benefiting from the show? We'd appreciate it if you left a review on your favorite podcast platform.

Resources:

https://www.invesco.com/us-rest/contentdetail?contentId=a9b2a3dd-29a7-4302-ab86-814c4886a73c&msockid=0f56055ffc28689a11991143fda66906

https://www.wellington.com/en/insights/war-and-markets-whats-the-connection

Is food insecurity really a problem in San Antonio - even in a city with so much abundance?

Many people assume hunger is caused by a lack of food. But what if the real issue isn't supply - its distribution, dignity, and breaking the deeper psychological cycles of poverty?

In this episode of Retire in Texas, Darryl Lyons sits down with Marcus Walker of Daily Bread Ministries, a San Antonio-based nonprofit celebrating 30 years of serving the community. Marcus explains how Daily Bread uses food as a tool - not just to meet immediate needs, but to equip churches to provide poverty alleviation training, parenting education, financial literacy, and long-term transformation.

Rather than operating traditional handouts alone, Daily Bread trains churches to serve families in ways that restore dignity, build capability, and help break generational cycles. From client-choice food pantries to parenting classes like Raising Highly Capable Kids, this conversation highlights how meeting physical needs can open the door to lasting hope and restoration.

You'll learn:

Why food insecurity is often about access - not shortage.
How churches play a key role in breaking cycles of generational poverty.
The psychological impact of poverty and why dignity matters in food distribution.
How parenting and financial education can create long-term change.
How every dollar donated can generate a significant community impact.

Daily Bread Ministries operates without government funding to preserve its mission and faith-based foundation. Through local partnerships and volunteer support, they distribute over $11 million worth of food annually across San Antonio and surrounding areas.

If you'd like to support Daily Bread Ministries, you can:

Volunteer by emailing Volunteer@DBMSA.org
Schedule a tour or give online at DBMSA.org

This episode is a reminder that transformation often begins with meeting basic needs - and that sustainable change requires community, education, and faith working together.

Benefiting from the show? We'd appreciate it if you left a review on your favorite podcast platform.

Should you really try to die with zero?

The popular book "Die With Zero" argues that many people save too much money and miss opportunities to enjoy life along the way. Its philosophy encourages maximizing experiences, spending intentionally during different seasons of life, and giving wealth away earlier rather than leaving large inheritances.

But does that approach actually work for most retirees?

In this episode of Retire in Texas, Darryl Lyons reviews the bestselling book Die With Zero by Bill Perkins and walks through its nine core rules - including investing in experiences early, timing spending throughout life, giving while living, and knowing when to stop growing wealth.

Drawing from decades of working with retirees and families, Darryl shares where he agrees with the book's ideas and where he believes the philosophy may create financial risks. He explains why experiences don't have to be expensive, how today's retirement landscape has changed, and why balancing enjoyment with long-term financial security remains critical.

You'll learn: • What the "memory dividend" concept means and how experiences shape long-term happiness. • Why spending earlier in life can make sense - but also where it can become dangerous. • How giving while living may create more impact than traditional inheritance planning. • Why many Americans face a growing retirement risk despite messages encouraging more spending. • The role purpose and meaningful work can play in long-term health and fulfillment.

This episode isn't a rejection of enjoying life - it's about balance, stewardship, and making financial decisions that support both present experiences and future security.

If you'd like help building a retirement strategy designed around your life stage and long-term priorities, visit PAXFinancialGroup.com and schedule a conversation with an advisor.

Benefiting from the show? We'd appreciate it if you left a review on your favorite podcast platform.

Resource: https://www.amazon.com/Die-zero-author/dp/3959727739

What are the four new financial changes families and retirees should know about?

Several new programs and policy updates have quietly launched that could impact children, seniors, private school families, and retirees - but most people haven't heard the details yet.

Some involve compounding investment accounts for kids. Others affect IRA withdrawals after age 65. And a few provide direct education funding opportunities in Texas that families can apply for today.

In this episode of Retire in Texas, Darryl Lyons breaks down four recent financial changes, including the new Trump Accounts for children, the $6,000 senior deduction for retirees, the $1,700 education tax credit, and the Texas Education Freedom Account program.

He explains how compounding interest can potentially transform consistent contributions into meaningful long-term savings, why retirees must carefully manage IRA withdrawals to avoid losing deductions, and how families can apply for education-related credits and funding before application windows close.

You'll learn:

How the new Trump Accounts work and what happens when a child turns 18.
Why the senior deduction can be lost if IRA withdrawals aren't managed properly.
How the $1,700 education tax credit functions and who can use it.
What the Texas Education Freedom Account provides - including funding levels for private school, homeschool, and students with disabilities.

This episode isn't about politics - it's about understanding the rules and knowing how to apply them strategically within your own financial plan.

If you'd like to see how these changes affect your personal situation, visit PAXFinancialGroup.com and schedule a conversation with an advisor.

Benefiting from the show? We'd appreciate it if you left a review on your favorite podcast platform. Your feedback helps more families think long term and make better money decisions.

Resources:

https://trumpaccounts.gov/

https://www.irs.gov/publications/p554

https://educationfreedom.texas.gov

https://www.edchoice.org/2025-congress-enacts-first-ever-federal-tax-credit-for-education-scholarships/

What is elder fraud and why is it increasing right now?

Elder fraud is financial exploitation that targets seniors, often through impersonation, emotional manipulation, or false emergencies.

There's an $80 trillion wealth transfer underway - and scammers know it.

In this episode of Retire in Texas, Darryl Lyons exposes how criminals are increasingly targeting seniors and families using sophisticated elder fraud schemes, including fake "grandchild in trouble" calls and AI-generated voice cloning.

Drawing from a Department of Justice investigation, Darryl breaks down how international call centers impersonate loved ones, manipulate emotions, and move stolen cash through unsuspecting rideshare drivers. He also explains how scammers now need as little as three seconds of audio from social media to replicate a family member's voice using AI.

You'll learn:

How grandparent scams work from start to finish.
Why seniors are being targeted during the historic wealth transfer.
How AI voice cloning makes scams harder to detect.
Real warning signs to listen for during urgent phone calls.
Practical steps families can take to protect aging parents and grandparents.

This episode isn't just about financial loss - it's about the emotional damage these scams cause to families, parents, and seniors.

If you or someone you love may have been exposed to fraud, contact the FBI at 1-800-CALL-FBI (1-800-225-5324).

Benefiting from the show? We'd appreciate it if you left a review on your favorite podcast platform. Your feedback helps more people find the show and continue the conversation.

Resource:

www.justice.gov/usao-ma/pr/thirteen-individuals-charged-operating-transnational-elder-fraud-scheme

Is faith-based investing an all-or-nothing decision, or is there room for balance?

In this episode of Retire in Texas, Darryl Lyons, CEO and Co-Founder of PAX Financial Group, continues the two-part conversation on faith-based (biblical responsible) investing by exploring the remaining perspectives investors often hold.

Building on Part 1, Darryl focuses on investors who are fully committed to biblical responsible investing - as well as those who take a more blended approach. Through real-world examples and conversations, he unpacks how deeply held convictions, market realities, and fiduciary responsibility intersect in portfolio construction.

Episode highlights include:

The mindset of investors who are "all in" on biblical responsible investing, and why conviction matters.
Potential explanations as to why faith-based investing has underperformed the S&P 500 in recent years - and what caused the divergence.
How excluding the "Magnificent Seven" impacted performance across many strategies, not just faith-based portfolios.
The role of asset managers, shareholder advocacy, and proxy voting in responding to corporate behavior.
Why fiduciary duty requires flexibility - especially when certain asset classes aren't yet available in faith-based strategies.
How advisors help clients balance convictions with diversification, opportunity, and long-term planning.
What it means to be "in the world, but not of the world" when it comes to investing.

This episode completes the four-perspective framework introduced in Part 1 and offers a practical, thoughtful approach for investors navigating faith, finances, and long-term responsibility.

To learn more or start a conversation, visit PAXFinancialGroup.com and click "Connect With Us."

Enjoying the show? If Retire in Texas has been helpful to you, we'd appreciate it if you left a review on your favorite podcast platform. Your feedback helps more people find the show and continue the conversation.

Resource: https://www.inspireetf.com/news/does-it-matter-if-i-underperform-the-s-p-500

Disclosure: This material is provided by PAX Financial Group, LLC. The opinions voiced in this material are for general information only and are not intended to provide specific advice or recommendations for any individual. The information herein has been derived from sources believed to be accurate. Please note: Biblically Responsible Investing ("BRI") involves, among other things, screening for companies that fit within the goal of investing in companies aligned with biblical values. Such screens may serve to reduce the pool of high performing companies considered for investment. Investing involves risk. BRI investing does not guarantee a favorable investment outcome. PAX Financial Group has conducted due diligence for their Biblically Responsible Investing (BRI) process and proudly serves as each client's advocate using fully vetted third-party specialists for the administration of BRI methodology. Past performance is no guarantee of future results. Investments will fluctuate and when redeemed may be worth more or less than when originally invested. This information should not be construed as investment, tax, or legal advice and may not be relied on for the purpose of avoiding any Federal tax penalty. This is neither a solicitation nor recommendation to purchase or sell any investment or insurance product and should not be relied upon as such.

What is biblical responsible investing - and why does ownership matter?

In this episode of Retire in Texas, Darryl Lyons, CEO and Co-Founder of PAX Financial Group, begins a two-part conversation on faith-based (biblical responsible) investing and why it often sparks such strong reactions.

Darryl breaks down what biblical responsible investing actually is, how it works within portfolios, and why it goes beyond the idea of "Christian companies." He also addresses common skepticism and explores the deeper question of whether investing is simply a financial decision - or a spiritual one.

This episode focuses on two of the four common perspectives on faith-based investing: those who are new to the concept and those who remain unsure or skeptical.

Episode highlights include:

• What biblical responsible investing is - and what it is not.

• How screening, mutual funds, ETFs, and managers are used in faith-based investing.

• Why ownership and consumption are not the same - and why that distinction matters.

• Real-life examples of how personal convictions shape investment decisions.

• The role of shareholder advocacy and proxy voting in aligning money with values.

• Why faith-based investing isn't about perfection, pressure, or judgment.

In Part 2, Darryl will explore the remaining perspectives - including investors who are fully committed and those who prefer a blended approach.

To learn more or start a conversation, visit PAXFinancialGroup.com and click "Connect With Us."

Enjoying the show? If Retire in Texas has been helpful to you, we'd appreciate it if you left a review on your favorite podcast platform. Your feedback helps more people find the show and continue the conversation.

Disclosure: This material is provided by PAX Financial Group, LLC. The opinions voiced in this material are for general information only and are not intended to provide specific advice or recommendations for any individual. The information herein has been derived from sources believed to be accurate. Please note: Biblically Responsible Investing ("BRI") involves, among other things, screening for companies that fit within the goal of investing in companies aligned with biblical values. Such screens may serve to reduce the pool of high performing companies considered for investment. Investing involves risk. BRI investing does not guarantee a favorable investment outcome. PAX Financial Group has conducted due diligence for their Biblically Responsible Investing (BRI) process and proudly serves as each client's advocate using fully vetted third-party specialists for the administration of BRI methodology. Past performance is no guarantee of future results. Investments will fluctuate and when redeemed may be worth more or less than when originally invested. This information should not be construed as investment, tax, or legal advice and may not be relied on for the purpose of avoiding any Federal tax penalty. This is neither a solicitation nor recommendation to purchase or sell any investment or insurance product and should not be relied upon as such.

When should you hire a financial advisor - and when don't you need one?

In this episode of Retire in Texas, Darryl Lyons, CEO and Co-Founder of PAX Financial Group, breaks down the real-life situations where having a thinking partner can help you make more informed decisions. While technology gives us endless financial calculators and online tools, Darryl explains why more informed financial decisions still happen in conversation - especially during emotionally charged life events.

Darryl walks through seven specific scenarios where professional financial guidance can help you avoid costly mistakes and gain clarity:

Episode highlights include:

Why online calculators aren't enough - and how personalized advice can help you and your spouse get aligned on your future.
How poor financial decisions during divorce can cost six figures - and why strategy matters.
Protecting against financial scams and providing a calm, steady voice during an emotional season.
Why the skills that built your business won't help you transition out, and how to avoid post-exit regret.
Addressing burnout, student loans, retirement planning, and career decisions.
Building discipline during high-earning years to create long-term stability.
Navigating the "sandwich generation" with thoughtful planning, family conversations, and resource coordination.

If you or someone you love is going through one of these situations, Darryl shares how PAX offers specific consulting services - not just asset management - designed to help people navigate life's most complex financial moments.

To learn more or start a conversation, visit PAXFinancialGroup.com and click "Connect With Us".

In this week's episode of Retire in Texas, Darryl Lyons, CEO and Co-Founder of PAX Financial Group, breaks down what Wall Street's biggest firms are predicting for 2026 - and what it could mean for your portfolio.

After reviewing market outlooks from BlackRock, Goldman Sachs, Schwab, Pimco, and more, Darryl shares a curated summary of the trends shaping the year ahead. From stock valuations and artificial intelligence to bonds, global markets, inflation, and alternative investments, this episode cuts through the noise to highlight key points that could matter for long-term investors.

Drawing from industry research and real-world context, Darryl walks through where opportunity may exist, where risks are building, and why diversification and thoughtful strategy matter more than ever in today's market environment.

Key highlights of the episode include:

· Why U.S. stocks are historically expensive - and what that means for future returns.

· How artificial intelligence is driving massive investment and reshaping global markets.

· What falling interest rates could mean for bonds and fixed income strategies.

· Why international markets like Japan and Germany are gaining renewed attention.

· How inflation, tariffs, and policy decisions may influence market stability.

· The growing role of real assets, infrastructure, and alternative investments.

If you've been wondering how to position your portfolio for 2026, this episode offers a clear framework for thinking through risk, opportunity, and long-term strategy. Whether you're concerned about market volatility, curious about AI's impact, or simply want a better understanding of what's ahead, Darryl provides perspective to help you make more informed decisions.

For more insights and to connect with a PAX Financial Group advisor, visit www.PAXFinancialGroup.com. If you found this episode helpful, consider sharing it with someone who's thinking about their financial strategy for the year ahead.

Resources:

www.blackrock.com/corporate/literature/whitepaper/bii-global-outlook-2026.pdf

www.pimco.com/us/en/insights/charting-the-year-ahead-investment-ideas-for-2026

https://www.schwab.com/learn/story/stock-market-outlook

https://am.gs.com/en-us/advisors/insights/article/investment-outlook

www.capitalgroup.com/advisor/pdf/shareholder/MFCPBR-099-1046320.pdf

In this week's episode of Retire in Texas, Darryl Lyons, CEO and Co-Founder of PAX Financial Group, takes a deeper look at why so many goals fail - and makes the case that it's not a lack of motivation, discipline, or strategy that holds us back, but a misunderstanding of suffering.

Using the backdrop of New Year's resolutions and goal-setting frameworks like SMART goals, Darryl explores why enthusiasm fades, why accountability alone often falls short, and why discomfort is an unavoidable, and necessary, part of meaningful growth. Drawing from personal stories, scripture, and real-world observations, this episode reframes suffering not as failure, but as a process that builds perseverance, character, and long-term hope.

Key highlights of the episode include:

Why most goals fail despite strong intentions, clear plans, and accountability systems.
How discomfort, delay, and inconvenience - not catastrophe, are often the true forms of suffering we avoid.
Why embracing struggle can create stronger habits, deeper character, and more durable results.
The importance of perspective when facing setbacks, and how understanding others' struggles can reframe our own.
How community, collaboration, and shared accountability make suffering lighter and progress more sustainable.
Why focusing on long-term outcomes, not short-term pain, is critical to lasting personal and financial growth.

If you've ever wondered why change feels harder than it should, or why progress stalls even when you "know what to do," this episode offers a powerful mindset shift. Whether your goals involve health, finances, relationships, or personal growth, Darryl's message is a reminder that growth rarely happens without discomfort - and that endurance, built over time, is what ultimately leads to hope.

For more insights and to connect with a PAX Financial Group advisor, visit www.PAXFinancialGroup.com. If this episode resonated with you, consider sharing it with someone who could use the encouragement.

Resources:

www.thewealthadvisor.com/article/making-fortunes-and-letting-it-ride-13-new-year-investing-resolutions

www.youtube.com/watch?v=TKVAGxoU2AM

www.ngpf.org/blog/question-of-the-day/question-of-the-day-what-percent-of-lottery-winners-eventually-go-bankrupt/

In this week's Greatest Hits edition of Retire in Texas, Darryl Lyons, CEO and Co-Founder of PAX Financial Group, reflects on the deeper meaning of work, beyond the paycheck and the hustle, and explores how our jobs can serve as a spiritual journey.

As we wrap up 2025, this episode offers a thoughtful look at the concept of the dignity of work, making the case that how we work - and how we view work - can shape not just our careers, but our character and communities. Darryl shares personal stories, scriptural insights, and life lessons that challenge the cultural narrative of busyness and control.

Key highlights of the episode include:

• Why work isn't just about making money, and how giving can transform your perspective. • The power of workplace connections and the unexpected moments that reveal human kindness. • How small acts of improvement and growth can make work more fulfilling. • The myth of control in our professional lives, and what it means to truly trust in the long game. • How reframing your understanding of work can lead to less anxiety and more purpose.

If you've ever questioned the point of work, or found yourself weighed down by the day-to-day grind, this episode will offer a fresh and encouraging perspective. Whether you're in the thick of your career or mentoring the next generation, Darryl's message is a reminder that work, done with intention, can be one of the most meaningful parts of our lives.

For more insights and to connect with a PAX Financial Group advisor, visit www.PAXFinancialGroup.com.

If you found this episode encouraging, don't forget to share it with a friend!

In this week's episode of Retire in Texas, Darryl Lyons explores one of the most overlooked drivers of long-term financial success: behavior. Rather than focusing on market performance or investment selection, Darryl breaks down why the way we think, communicate, and make decisions could potentially have a greater impact on outcomes than the strategies we choose.

Darryl begins by reflecting on his own journey into behavioral finance and how studying the intersection of psychology, neuroscience, and traditional finance reshaped his perspective on the role of a financial advisor. That realization sets the foundation for today's discussion: helping individuals and families make rational decisions amid uncertainty, stress, and emotional noise.

He breaks the episode into several key themes:

Why behavioral finance matters, and how emotional decision-making can potentially outweigh stock selection or asset allocation over time.
The role of a financial advisor as a "thinking partner," especially during periods of volatility or life transitions.
A real-world example of a couple who had strong financial habits but struggled to move forward because they approached money from different emotional and personality frameworks.
How personality differences can create conflict around money, and why spreadsheets alone often fail to resolve those challenges.
An introduction to the Enneagram as a practical personality tool that can help couples, families, and teams develop a shared language around money.
A walkthrough of the nine Enneagram types, including common financial tendencies, strengths, and blind spots associated with each.

Darryl connects self-awareness, communication, and behavioral insight to show how understanding personality may reduce conflict, improve clarity, and support more intentional long-term planning - both financially and relationally.

If you benefited from today's episode, share it with a friend or family member!

This episode provides general educational information only and is not intended to provide specific investment, tax, or legal advice.

Resource:

https://www.truity.com/test/enneagram-personality-test

In this week's episode of Retire in Texas, Darryl Lyons explores one of the most significant economic shifts happening in our state: the creation of the Texas Stock Exchange - and what this means for business owners, investors, and the long-term financial landscape of Texas.

Darryl begins by sharing a personal story from a recent trip to New York with his daughter, reflecting on how Wall Street has changed over time and how electronic trading has transformed the markets. That reflection sets the stage for today's discussion: the movement of major financial infrastructure away from New York and into Texas.

He breaks the episode into several key themes:

• Why "Y'all Street" is becoming a reality, including how the Texas Stock Exchange - backed by BlackRock and Citadel - represents a major shift in where capital markets operate.

• How ESG policies contributed to this moment, and why regulatory burdens pushed many companies to seek a more business-friendly environment.

• How Texas prepared for this growth, from specialized business courts to economic development incentives that attracted Fortune 100 companies like Oracle and Tesla.

• The culture factor, including why some Texas cities - especially San Antonio - may limit their own growth unintentionally due to strong family-centric values.

• How access to capital unlocks expansion, using PAX as an example of how a company with a strong mission might scale when the right financial pathways exist.

• What the Texas exchange could mean for your investments, including why more homegrown Texas companies going public could eventually strengthen 401(k)s and IRAs across the state.

Darryl connects the dots between local business culture, economic development, and national capital markets to show how transformative this shift could be - not just for corporations, but for everyday Texans who invest for retirement.

If you benefitted from today's episode, share it with a friend or family member!

This episode provides general educational information only and is not intended to provide specific investment, tax, or legal advice.

In this episode of Retire in Texas, Darryl Lyons and PAX Financial Advisor Greyson Hanna take listeners through the emotional, practical, and behavioral realities that business owners face when preparing to transition out of their companies. Drawing on years of advising entrepreneurs - and personal experience from a family of business owners - Darryl explains why selling a business is far more than a financial transaction.

They break the conversation into the six phases of PAX Financial Group's business transition process:

Phase Zero: Understanding the Owner and Spouse, including personal history, sacrifices, communication styles, and behavioral tools like the Enneagram to uncover motivations and priorities.
Phase One: Business Discovery & Exit Readiness Assessment, where owners begin evaluating industry dynamics, operational gaps, and qualitative questions that often seem simple - but prove surprisingly difficult to answer.
Phase Two: Valuation Preparation, helping owners gather the information needed for an equity estimate that provides a directional view of their company's worth rather than relying on guesswork.
Phase Three: Honest Conversations & Risk Review, inviting both spouses into discussions about fears, expectations, long-term goals, and the emotional impact of stepping away from the business.
Phase Four: Strategy & Buyer Fit, covering potential internal and external buyers, tax considerations, tradeoffs, and the importance of allowing enough runway - often years, not weeks - to position the business properly.
Phase Five: The "Wheel of Life" Transition, where owners begin planning purpose, meaning, and fulfillment beyond the sale, ensuring they enter retirement with clarity, stability, and a vision for how they want to spend their time.

If you know a business owner preparing for their next chapter, feel free to share this episode with them!

This episode provides general educational information only and is not intended to provide specific investment, tax, or legal advice.

In this episode of Retire in Texas, Darryl Lyons addresses the growing emotional and mental strain many Americans are experiencing in today's economic climate. With 83% of individuals reporting that rising costs are affecting their mental health, Darryl unpacks the concept of "stressflation" and explains why financial pressure has become overwhelming for many households.

He breaks the discussion into five key areas using the PERMA happiness framework:

Positive emotions, including how practicing gratitude, shifting perspective, and focusing on personal progress can help reduce negative reactions to financial stress.
Engagement, emphasizing how finding activities that create "flow" - whether hobbies, work, or creative outlets - can help people stay grounded and mentally refreshed.
Relationships, highlighting the importance of community, generosity, and genuine connection, especially during periods of financial strain or isolation.
Meaning, reminding listeners to look to their personal life stories and experiences to find purpose, direction, and opportunities to support others.
Accomplishment, offering examples of small wins and activities that restore a sense of progress, purpose, and control during uncertain economic periods.

Darryl also shares behavioral finance insights, real-life observations, and practical guidance for listeners who feel "stuck" in today's K-shaped economy. His message encourages long-term thinking, personal responsibility, and healthier emotional habits to help individuals navigate financial challenges more clearly.

If you benefitted from today's episode, feel free to share it with your family and friends!

This episode provides general educational information only and is not intended to provide specific investment, tax, or legal advice.

Resources:

https://positivepsychology.com/perma-model/

https://pmc.ncbi.nlm.nih.gov/articles/PMC3037397/

https://lifestance.com/insight/financial-stress-impact-mental-health-statistics-2025/

In this episode of Retire in Texas, Darryl Lyons offers a general year-end reminder list to help listeners stay organized as they review their financial and tax-related items. As the year closes, Darryl walks through several topics that individuals and families may want to revisit with their tax or financial professionals.

He breaks the discussion into four broad areas:

Considerations such as reviewing pay stubs, retirement distributions, and personal budgeting tools to help ensure your information is accurate.
General guidance on contribution deadlines, RMD requirements, Roth conversion considerations, and recent legislative updates.
An overview of options like Qualified Charitable Distributions and donor-advised funds that some people use as part of their charitable giving approach.
Information on 529 plans, medical account deadlines, the annual gift-tax exclusion, and the new age-related deduction created under recent legislation.

Darryl also shares personal observations and real examples that illustrate how these year-end reviews can help individuals stay aware of key requirements.

This episode provides general educational information only and is not intended to provide specific investment, tax, or legal advice. Listeners should consult their tax professional, CPA, or financial advisor before making decisions related to their personal situation.

If you benefitted from today's episode, feel free to share it with your family and friends!

In this powerful episode of Retire in Texas, host Darryl Lyons, CEO and Co-Founder of PAX Financial Group, is joined by Sarassa Inglis, Executive Director at Ransomed Life, and Roger Stukkie, Financial Advisor at PAX and a board member at Ransomed Life. Together, they shed light on the realities of child sex trafficking and exploitation happening right here in our local communities, and how Ransomed Life has been providing hope, healing, and mentorship for the past ten years.

In this episode, you'll hear:

The truth about human trafficking in San Antonio - and why it's not just a border issue

How Ransomed Life's mentorship and counseling programs help victims rebuild their lives.
Ways that listeners can volunteer, donate, or become mentors.
Details about Ransomed Life's 10-Year Celebration at the Witte Museum.
How purpose and service can transform your "second chapter" of life.

To learn more about Ransomed Life or to get involved, visit www.ransomedlifetexas.org.

If you benefitted from today's episode, feel free to share it with your family and friends!

In this week's episode of Retire in Texas, host Darryl Lyons, CEO and Co-Founder of PAX Financial Group, explores a fascinating question supported by years of research: why do studies suggest that women often achieve different investing results than men?

Darryl unpacks two key reasons - overconfidence and impulsiveness - and how humility and patience can support more thoughtful, long-term decision-making. He shares personal stories, including how his own wife's encouragement shaped his career, and how engaging a spouse in financial decisions can foster stronger communication and perspective.

You'll also hear how legendary investors like Warren Buffett credit their success to temperament over intellect - and why that same mindset can help individuals stay grounded in their approach to investing and relationships.

Key highlights include:

Why studies show women earn ~2% higher annual returns than men.

How overconfidence and impulsive trading can hurt performance.

The importance of engaging your spouse in financial decisions.

Lessons from the Bush family, Warren Buffett, and real-life examples.

Biblical insight from Genesis 2:18 on partnership and harmony.

Listen to more episodes here: https://PAXFinancialGroup.com/podcasts

If you benefitted from today's episode, feel free to share it with your family and friends! Resource: https://www.fool.com/research/women-in-investing-statistics/

In this heartfelt episode of Retire in Texas, host Darryl Lyons, CEO and Co-Founder of PAX Financial Group, sits down with Dr. Marian Sokol, former CEO of the Children's Bereavement Center of South Texas, to explore how grief affects children - and how healing begins through connection, creativity, and compassion.

From art therapy to peer support groups, Dr. Sokol shares how the Bereavement Center has helped thousands of children and families navigate the pain of losing a loved one. She also discusses the center's outreach in Uvalde, its school-based counseling programs, and how volunteers and donors play a vital role in sustaining its mission offered free of charge to families.

Key Highlights:

How the Children's Bereavement Center supports children ages 3-23 through grief and trauma.
Why expressive arts therapy helps kids process pain they can't express in words.
The Center's work in Uvalde and response to community-wide tragedies.
How families can volunteer, donate, or participate in programs.
The emotional and financial importance of wills, organization, and long-term planning.

If you or someone you know is coping with loss - or wants to help others who are - learn more at www.cbcst.org or call (210) 736-4847.

Listen to more episodes here: https://PAXFinancialGroup.com/podcasts

If you benefitted from today's episode, feel free to share it with your family and friends.

In the final installment of this three-part series, Darryl Lyons, CEO & Co-Founder of PAX Financial Group, takes a deeper look at the widely discussed predictions of a potential market downturn in 2030. Rather than leaning into fear, headlines, or doomsday forecasts, Darryl breaks down the four major forces that many believe could collide: government spending, inflation, demographic shifts, and a potential AI bubble.

Darryl also discusses the "Chicken Little" voices that have been calling for market catastrophe for decades, spotlighting the dangers of linear thinking, pessimistic modeling, and predictions that ignore innovation, human behavior, and historical resilience. With a practical and level-headed approach, he discusses why long-term investors often benefit from focusing less on fear and more on building durable plans designed to navigate uncertainty.

In this episode, Darryl covers:

The four "cars in the intersection" that fuel 2030 crash predictions.
Why pessimists are rarely held accountable for bad forecasts.
How linear thinking skews market narratives.
The potential risks behind government spending and demographics.
Why AI could be transformative - even if parts of it become a bubble.
Five practical steps for navigating uncertainty.

If you missed Parts I and II, be sure to go back and listen so you can follow the full conversation from start to finish.

Listen to more episodes here: https://PAXFinancialGroup.com/podcasts

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Resources:

The State of the Federal Budget: From Tariff Revenue to Deficits and DOGE Cuts - WSJ

What Will the World Look Like After the 2030s Great Depression?

Boom or bubble: How long can the AI investment craze last?

This Is How the AI Bubble Will Pop - Derek Thompson

How the Great Inflation of the 1970s Happened

Here's What Experts Say It Will Take to Fix Social Security | The Motley Fool

The Collapse of Medicare Is Happening Faster Than Expected - The Winston Group

Goldman Sachs Strategist: No Stock Market Bubble, Yet | The WealthAdvisor

Is the "2030 Depression" really inevitable - or just overhyped?

In this continuation of his three-part series, Darryl Lyons, CEO & Co-Founder of PAX Financial Group, dives deeper into the predictions surrounding a potential economic downturn and examines the four "vehicles" that could collide to create it: government spending, inflation, demographic trends, and the AI bubble.

Building on Part 1's historical parallels, Darryl unpacks how rising national debt, compounding inflation, shrinking birth rates, and market speculation around artificial intelligence are shaping today's financial landscape. Using his "traffic light" analogy, he illustrates how these forces might intersect - and what that could mean for investors and everyday Americans alike.

Whether you're concerned about what's ahead or simply trying to separate fact from fear, this episode encourages you to question the doomsday narratives, stay informed, and maintain a long-term perspective grounded in wisdom and clarity.

Key Highlights from the Episode

• The "four cars at the intersection" driving economic risk: government spending, inflation, demographics, and AI.

• How compounding inflation is widening the gap between the "haves" and "have nots."

• Why declining birth rates and aging leadership may create long-term economic pressure.

• The warning signs of an AI-driven market bubble - and lessons from the dot-com era.

• Why fear and greed still dictate market behavior - and how to stay grounded amid uncertainty.

Listen to more episodes: https://PAXFinancialGroup.com/podcasts

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In this 200th-episode special of Retire in Texas, Darryl Lyons, CEO & Co-Founder of PAX Financial Group, begins a three-part series exploring why some economists are discussing the potential for a future downturn, and what history can teach us about investor behavior during times of uncertainty.

From the fall of Rome to the Great Depression to today’s evolving economy, Darryl connects four powerful influences - government spending, inflation, demographics, and technology - and discusses how these forces interact to shape long-term economic outcomes. He also examines how optimism and pessimism affect investor psychology and what it means to stay steady when headlines predict doom.

If you’ve ever wondered whether history is repeating itself - or how to stay grounded when headlines predict doom - this episode offers clarity, perspective, and practical insights to help you think long-term.

Key Highlights from the Episode

-Why predictions of a “2030 Depression” are gaining attention.

-Optimists vs. pessimists: how each influences investor behavior.

-Lessons from history: Rome’s collapse and the Great Depression.

-Why history doesn’t repeat itself - but it often rhymes.

-What gives U.S. currency its resilience, and how trust plays a role in economic stability.

Listen to more episodes: https://PAXFinancialGroup.com/podcasts

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Where should you retire in Texas?

In this week’s episode of Retire in Texas, CEO and Co-Founder of PAX Financial Group, Darryl Lyons, shares his top five towns for retirement in the Lone Star State. From the lakes of Marble Falls to the fast-growing hub of New Braunfels, Darryl explains what makes each community stand out and why the Texas Triangle is such an important region to consider.

He explores how healthcare access, lifestyle variety, airports, and cost of living all factor into retirement decisions - while highlighting the unique character of each Texas Hill Country town. Whether you’re drawn to wine country, artsy retreats, or bustling small cities, this episode offers insights to help you think long-term about where to retire in Texas.

Show Highlights: • Why the Texas Triangle is central to retirement planning in Texas. • The importance of healthcare access, cost of living, and airport proximity. • How lifestyle and culture vary across the Texas Triangle’s communities. • The countdown of the top five retirement towns. • Why New Braunfels is one of the fastest-growing retirement destinations in the U.S.

For more resources, visit PAXFinancialGroup.com.

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In this episode of Retire in Texas, host Darryl Lyons, CEO and Co-Founder of PAX Financial Group, sits down with Steve Mack, Regional President of Liberty Capital Bank. Steve brings more than 40 years of banking experience, including three decades as CEO of Texas Heritage Bank, to discuss the recent merger with Liberty Capital Bank and what it means for Texas communities.

They explore:

The challenges and opportunities of merging two community banks.
How community banks differ from big banks in culture, relationships, and lending.
Why personal relationships still matter in today’s financial system.
How the FDIC and IntraFi network protect deposits - even beyond the $250,000 limit.
The role of community banks in supporting small businesses and local economies.
How local banks stay competitive with interest rates while offering face-to-face service.

If you’ve ever wondered about the safety of community banks, the difference between local and big-bank lending, or how mergers impact customers, this episode provides clear and practical insights.

Listen now and learn why, when it comes to banking, life moves at the speed of relationships.

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The investment products and services offered by PAX are independent of the products and services offered by Liberty Capital Bank and are not FDIC insured, may lose value, are not bank guaranteed and are not insured by any federal or state government agency. Investment products and services are offered by appropriately licensed investment advisor representatives, subject to the general oversight and authority of PAX.

In this heartfelt episode of Retire in Texas, Darryl Lyons, CEO and Co-Founder of PAX Financial Group, is joined by guest Charles Garcia for a powerful conversation reflecting on the life, faith, and legacy of Charlie Kirk.

Darryl shares the story of PAX’s national strategic relationship with Charlie, how it came to be, and the impact it had on the PAX family. Together, Darryl and Charles discuss the heart of Evangelism, the courage it takes to be obedient to God’s calling, and how figures like Charlie stand on the shoulders of those who came before - missionaries, preachers, and ordinary believers whose faith sparked revival across the world.

This episode explores themes of grief, hope, and revival, offering encouragement to see tragedy as a catalyst for deeper faith and greater intentionality in our own lives. From stories of Jim Elliot and John Paton to the everyday practice of “stacking pancakes” in gratitude, listeners are reminded of the eternal perspective that shapes how we live and lead today.

Whether you knew Charlie Kirk personally or simply want to be encouraged by his story, this episode will leave you inspired to be bold, obedient, and faithful in your own journey.

In this week’s episode of Retire in Texas, Darryl Lyons, CEO and Co-Founder of PAX Financial Group, continues his two-part series on the core financial principles that have guided his career, his clients, and his community.

Building on last week’s first ten principles, Darryl shares principles 11 through 20 - covering why retirement should be a pivot into purpose, why your net worth is a scorecard (not your identity), and why the market behaves like a child with a yo-yo on an escalator. He also discusses the healthy tension between focus and diversification, the importance of taking responsibility for your own money, and why investing in yourself often produces the greatest return.

Other key takeaways include:

The underrated power of compound interest and patience.
Why paying taxes doesn’t mean leaving a “tip.”
How thinking long term changes not just your finances, but your health, family, and legacy.

Whether you’re planning for retirement, building your business, or simply trying to stay grounded, these timeless lessons may help you see money - and life - with greater clarity, purpose, and peace.

If you enjoyed today’s episode, be sure to share it with a friend or family member!

Resource:

https://www.quiriniwealthgroup.com/documents/FG/quirini/insights/635982_sP_write_up-Revised.__SQ.pdf

Everyone has rules of thumb they live by when it comes to money, but are yours helping you or holding you back? In this week’s episode of Retire in Texas, Darryl Lyons, CEO and Co-Founder of PAX Financial Group, shares the first 10 of his 20 guiding money principles that influence how he makes financial decisions for himself, his family, and his clients.

Show Highlights: • Why an emergency fund should cover 3-6 months of expenses, not income. • How your spending and giving habits reveal what truly matters to you. • The two most reliable paths to wealth: starting a business or saving early and often. • Key rules of thumb on saving rates, home affordability, and retirement withdrawal strategies. • How a “legacy bucket” can help retirees balance growth, generosity, and peace of mind. • What just $150 a month could mean for your child’s future college costs.

Whether you’re just starting out, in the middle of your career, or already retired, these principles can serve as a foundation to help you make wiser money choices and think long term.

If you enjoyed today’s episode, be sure to share it with a friend or family member!

Rising health insurance costs are squeezing household budgets - especially for families and those not yet on Medicare. In this week’s episode of Retire in Texas, Darryl Lyons, CEO and Co-Founder of PAX Financial Group, breaks down the differences between traditional health insurance and medical cost sharing programs and how each can impact cash flow between ages 62 and 65.

Show Highlights:

The 2025 cost picture: premiums and out-of-pocket trends families are feeling.
Traditional insurance vs. cost sharing: deductibles vs. IUAs, “premiums” vs. “shares,” and how reimbursement works with cash pay.
Networks and access: why many sharing programs don’t use networks - and what that means at the doctor’s office.
Coverage nuances: preventive care, preexisting conditions, and when ACA plans may be a better fit.
Faith-based vs. non-faith options: examples like Samaritan Ministries, Medi-Share, Christian Healthcare Ministries, and Sedera.

Whether you’re still working, planning to retire before 65, or helping adult children evaluate coverage, this episode offers practical insights to compare traditional insurance with medical cost sharing and make a more informed decision for your situation.

If you enjoyed today’s episode, be sure to share it with a friend or family member!

Resource:

https://www.usatoday.com/story/graphics/2025/06/16/how-much-does-insurance-cost-2025-family-of-four/84149201007/

Roth IRAs have been around since 1997, but many people still have questions about how they work and whether they make sense for their retirement strategy. In this week’s episode of Retire in Texas, Darryl Lyons, CEO and Co-Founder of PAX Financial Group, unpacks the power of Roth IRAs and how they differ from traditional IRAs.

Show Highlights:

The difference between marginal and effective tax rates - and why it matters for Roth contributions and conversions.
Real stories of how retirees and pre-retirees have used Roth conversions to reduce future tax burdens.
Key considerations before converting, including cash needs, Medicare IRMAA surcharges, and tax brackets.
The impact of Roth IRAs on estate planning and how they can benefit the next generation.
Contribution limits for 2025 and how Roth 401(k)s compare to Roth IRAs.

Whether you’re just starting out, approaching retirement, or thinking about legacy planning, this episode will give you practical insights into how a Roth IRA may fit into your overall financial plan.

If you enjoyed today’s episode, be sure to share it with a friend or family member!

In this week’s episode of Retire in Texas, Darryl Lyons, CEO and Co-Founder of PAX Financial Group, shares practical strategies for protecting yourself from identity theft. From freezing your credit to creating stronger passwords and monitoring your accounts regularly, Darryl walks through clear, actionable steps you can take to help reduce the risk of fraud.

Along the way, Darryl highlights real-life examples and common scams, helping you stay aware and proactive in safeguarding your finances.

Show highlights include: • Three preventative measures to help reduce the likelihood of ID theft. • How freezing your credit works and when to consider it. • Tips for creating stronger, harder-to-guess passwords. • Why two-factor authentication can add an extra layer of protection. • Key steps to take immediately if you experience fraud. • Resources like identitytheft.gov and credit bureau fraud alerts.

Whether you’re looking to better protect yourself, help a loved one, or simply stay informed, this episode offers valuable insight into minimizing the impact of fraud and keeping your personal information more secure.

In today’s episode of Retire in Texas, Darryl Lyons, CEO and Co-Founder of PAX Financial Group, explores a timely question: Is the economy actually doing better than we think?

While pessimism often dominates the news cycle, this episode highlights five key indicators that suggest economic resilience in 2025 - and what that means for long-term investors.

Darryl breaks down:

-Why employment trends may be stronger than they appear - even with recent layoffs.

-How recent corporate earnings from companies such as Nvidia, Microsoft, and Meta have been interpreted as signals of underlying strength.

-The real-world impact of AI in business and how it’s driving profitability and efficiency.

-What investors should understand about tariffs, trade policy, and global supply chains.

-How recent deregulation is giving companies room to grow and innovate.

If you’ve been wondering, “Should I still be investing right now?” or “What economic data actually matters?” - This episode offers thoughtful perspective.

Tune in to gain clarity, filter through the noise, and make informed decisions rooted in your values and the broader economic landscape.

Resources:

https://www.morningstar.com/economy/job-growth-slowed-may-labor-market-remains-healthy-now

https://www.deloitte.com/us/en/insights/topics/economy/spotlight/US-labor-market-US-headline-numbers.html

https://abcnews.go.com/Business/trumps-tariffs-achieved-experts-weigh/story?id=123859218

In this week’s episode of Retire in Texas, Darryl Lyons, CEO and Co-Founder of PAX Financial Group, sits down with PAX Financial Advisor Haley Wall for a heartfelt discussion on the emotional and financial challenges faced by widows.

Drawing from real-life experiences and her work as a certified Loss of Life Advocate, Haley explains how widows can regain clarity and make informed financial decisions after a loss. From navigating life insurance and estate documents to avoiding predatory scams and understanding Social Security’s widow blackout period, this episode offers practical guidance and emotional insight.

Key highlights include:

The first financial step every widow should take - pause.
Why widows are often targeted by scammers and opportunists.
The importance of updating wills, beneficiaries, and medical directives.
How the widow’s Social Security blackout period works - and how to prepare.
The emotional weight of stewardship and honoring a spouse’s legacy.
Available community resources, including grief counseling and support groups.

Whether you’re navigating widowhood yourself or supporting someone who is, this episode offers both compassion and direction.

For more support, visit PAXFinancialGroup.com or contact Haley directly at Haley@PAXFG.com.

In this heartfelt episode of Retire in Texas, Darryl Lyons, CEO and Co-Founder of PAX Financial Group, sits down with fellow PAX advisor David Alvarez to discuss a deeply personal and often overlooked financial planning topic - supporting families who have children or loved ones with disabilities.

David shares his own journey into financial services, shaped by his family's background and a career that began at the peak of economic uncertainty. Now a key member of the PAX team, David has developed a specialized focus on serving families navigating the complex realities of long-term disability planning.

Together, Darryl and David explore: • How David’s passion for serving families with special needs began. • The emotional and financial toll of long-term illness or disability. • Key planning tools like ABLE accounts and Special Needs Trusts. • The importance of acting on important, but not always urgent, financial tasks. • How PAX’s “Honest Conversations” methodology helps both spouses find clarity and peace of mind.

Whether it’s planning for a child with autism, preparing for future medical expenses, or simply figuring out where to start, this episode offers real-world guidance for those walking a challenging path.

If you or someone you know is navigating life with a loved one who has special needs, don’t miss this episode. And remember - you think different when you think long term.

Learn more or reach out at PAXFinancialGroup.com.

In this week’s episode of Retire in Texas, Darryl Lyons, CEO and Co-Founder of PAX Financial Group, sits down with Roger Stukkie - Certified Financial Planner™, Certified Kingdom Advisor®, and Financial Advisor at PAX - for a thought-provoking conversation about the intersection of faith and finances.

From biblical definitions of generosity to real-world giving strategies, this episode dives into steps you can take to be both a Christian and a steward of your financial resources. Darryl and Roger explore how aligning your money mindset with your faith can lead to deeper fulfillment, more intentional giving, and long-term impact.

Key Highlights Include: • The difference between becoming a Christian and living as one - especially when it comes to money.

• Why generosity is more about stewardship than sacrifice.

• How to overcome skepticism and give with confidence (even if you don’t fully trust the organization).

• Checks and balances in nonprofit financials and how to evaluate them.

• Two tax-efficient giving strategies every faith-driven investor should know: QCDs and donor-advised funds.

Whether you're a faith-forward investor or simply exploring how your values align with your financial life, this episode offers practical tools and spiritual insight to help guide your giving.

For more insights or to connect with a PAX Financial Group advisor, visit www.PAXFinancialGroup.com.

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In this week’s episode of Retire in Texas, Darryl Lyons, CEO and Co-Founder of PAX Financial Group, tackles one of the biggest challenges facing investors today: information overload. With news headlines, political rhetoric, and market commentary flooding our daily lives, making sound financial decisions can feel like navigating a maze.

Darryl breaks down the subtle (but critical) differences between mentors, coaches, and consultants - and explains why having a trusted guide can help you stay rational when emotions threaten to derail your long-term strategy.

Key Highlights Include: • How mentors, coaches, and consultants each play unique roles in your financial life. • The behavioral traps that can derail even the most rational investors. • A real-life case study of emotional decision-making during market turmoil. • How misinformation influences your perception of risk and opportunity. • Why your advisor should be more than just a financial “consultant”.

Whether you're feeling stuck or simply want to build a better decision-making framework, this episode offers a thoughtful and empowering perspective.

For more insights or to connect with a PAX Financial Group advisor, visit www.PAXFinancialGroup.com. Like what you heard? Share this episode with a friend!

Resource: https://www.justfactsdaily.com/50-examples-of-fake-news-in-2024

In this week’s episode of Retire in Texas, Darryl Lyons, CEO and Co-Founder of PAX Financial Group, unpacks the complex world of bonds and why they matter to everyday investors. With market headlines swirling and interest rates shifting, Darryl breaks down what bonds really are, how they function in your portfolio, and why government debt isn’t just a political issue - it’s a personal one.

From explaining how bond auctions work to highlighting the risks of chasing returns, this episode offers a practical and reassuring look at what is often considered the “boring” side of investing - and why it deserves your attention. Key Highlights:

• Why bonds still play a vital role - even if you prefer stocks. • What bond auctions reveal about global trust in the U.S. economy. • The four principles every investor should follow when it comes to bonds. • Why professional bond management can make a major difference. • How to stay calm (and informed) in the face of economic uncertainty.

Whether you’re nearing retirement or helping a loved one navigate their investment journey, this episode provides timeless insights with a steady hand.

For more insights or to connect with a PAX Financial Group advisor, visit www.PAXFinancialGroup.com.

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Resources: 🌐https://www.ceicdata.com/en/indicator/greece/long-term-interest-rate

🌐 https://bipartisanpolicy.org/explainer/why-the-national-debt-matters-for-the-u-s-bond-market-and-the-economy/

🌐 https://www.ib.barclays/our-insights/five-forces-affecting-fixed-income-markets.html?cid=paidsearch-textads_google_google_themes_fixed-income_us_fixed-income

In this week’s episode of Retire in Texas, Darryl Lyons, CEO and Co-Founder of PAX Financial Group, shares a timely and personal perspective on the cost - and value - of college education. With one child already in college and another preparing to go, Darryl walks listeners through findings from SoFi’s “The Cost of Admission” report and offers four hard-hitting takeaways that every family should consider before signing on the dotted line.

From real-life debt stories to the generational impact of poor financial decisions, this episode is a candid look at what too many Americans learn the hard way: how you pay for college matters just as much as where you go.

Key Highlights:

Why “ignorance is not an excuse” when it comes to student loan debt.
The $365,000 medical school debt story - and what it teaches us.
What most borrowers say they regret about college financing.
The importance of making affordability a higher priority than reputation.
How parents can help kids “think long term” when planning their future.

Whether you’re planning for your child’s education or revisiting your own financial journey, this episode delivers the kind of clarity that cuts through the noise.

For more insights or to connect with a PAX Financial Group advisor, visit www.PAXFinancialGroup.com.

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Resources:

New SoFi Report Uncovers the Biggest Challenge in Financing Higher Education: Understanding the True Cost

About Dr. Riley – College App 101

Scholarships for College: Find and Apply Online for Free | Going Merry

In this week’s episode of Retire in Texas, Darryl Lyons, CEO and Co-Founder of PAX Financial Group, shares a cautionary tale about the hidden costs of do-it-yourself investing. With relatable personal stories and real client experiences, Darryl explores the traps that DIY investors often fall into - missed opportunities, tax missteps, and emotionally driven decisions - and explains why having a trusted advisor can make all the difference.

Whether you're confident in your own financial abilities or know someone who insists on doing it alone, this episode offers a practical, grounded look at why experience, emotional discipline, and guidance matter when navigating your financial future.

Show highlights include:

What happened when a client chose DIY over working with an advisor.
Three qualities a successful DIY investor must have.
Common (and costly) DIY mistakes Darryl has seen firsthand.
Why advisors act more like copilots and river guides than stock-pickers.
A powerful reminder about the role of compounding and proper strategy at any age.

For more insights or to connect with a PAX Financial Group advisor, visit www.PAXFinancialGroup.com.

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In this week’s episode of Retire in Texas, Darryl Lyons, CEO and Co-Founder of PAX Financial Group, dives into a cutting-edge topic that could reshape the future of finance: tokenization. While the conversation touches on familiar ground like Bitcoin and blockchain, the real focus is on how tokenization may democratize access to investments and redefine ownership in a digital age.

Drawing comparisons to past investment evolutions - from mutual funds to ETFs - Darryl explains why tokenization could be the next major shift, offering both new opportunities and new risks.

In this episode, you’ll learn: • What tokenization means and how it works. • How blockchain technology supports this financial evolution. • Real-world examples, including Nas and Taylor Swift royalties. • What this could mean for individual investors - and the hurdles that still exist. • Why regulation and infrastructure are key to mainstream adoption.

Darryl also shares personal stories from his early days as an ETF adopter, highlights the costs saved through innovation, and reflects on how tokenization might bridge the gap between consumers and ownership.

For more insights or to connect with a PAX Financial Group advisor, visit www.PAXFinancialGroup.com.

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In this week’s episode of Retire in Texas, Darryl Lyons, CEO and Co-Founder of PAX Financial Group, unpacks one of the most common phrases he hears from clients: “I’ll retire in five years.” But what does that really mean - and what’s holding people back from following through?

With stories drawn from real-life experience, Darryl explores how this five-year mindset can become a psychological trap, one that offers comfort without commitment. From the emotional side of financial planning to the real-life consequences of delay, this episode is a call to clarity and action.

Key highlights of the episode include:

Why “five years from now” is often more of a coping mechanism than a plan.
Why defining your retirement date matters, and how to actually do it.
Small but powerful first steps that move your plan forward (like healthcare and Social Security strategy).
Why simplifying your life may be the smartest financial move you make.

Whether you're five years out from retirement - or have been saying that for the last decade - this episode offers thoughtful insights to help you stop waiting and start planning.

For more insights or to connect with a PAX Financial Group advisor, visit www.PAXFinancialGroup.com.

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In this week’s episode of Retire in Texas, Darryl Lyons, CEO and Co-Founder of PAX Financial Group, breaks down the recent U.S. credit downgrade by Moody’s - and what it really means for the economy, the markets, and your personal finances. While headlines may spark panic, Darryl walks listeners through the facts with clarity and perspective.

From the ripple effect on mortgage rates to the role of active bond managers, Darryl explains why this downgrade, though historic, isn’t cause for alarm - and why the U.S. remains, in his words, “the cleanest shirt in a dirty load of laundry.”

Key highlights of the episode include:

What the Moody’s downgrade means - and why it happened now.
How it impacts stock and bond markets differently (and why the stock market already saw it coming).
The connection between U.S. Treasury yields and rising mortgage rates.
Why active bond management matters more in volatile conditions.
The long-term perspective: why the U.S. is still the safest place for capital despite the headlines.

Whether you're an investor, homeowner, or business owner, this episode offers a calm, candid take on a complex topic - helping you understand what really matters behind the noise.

For more insights or to connect with a PAX Financial Group advisor, visit www.PAXFinancialGroup.com.

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In this week’s episode of Retire in Texas, Darryl Lyons, CEO and Co-Founder of PAX Financial Group, breaks down one of the most overlooked but critical elements of financial planning: the discovery meeting. Whether you’re already a client or just starting to explore a relationship with an advisor, understanding how PAX approaches discovery reveals a lot about what it means to truly serve clients with clarity, care, and purpose.

Darryl shares a behind-the-scenes look at how PAX advisors engage with new clients - not with sales pitches or pressure, but with thoughtful questions and deep listening. Through personal stories, lessons from past client experiences, and insights drawn from behavioral finance, this episode offers a valuable window into how the right discovery process sets the foundation for long-term success.

Key highlights of the episode include:

What a discovery meeting is really about - and how it differs from old-school sales tactics.
Why the first question a good advisor asks isn’t “What do you have?” but “What do you want?”
How behavioral finance tools like “Money Mind” and “Honest Conversations” help uncover what truly matters.
The importance of including both spouses - and why trust, relief, and clarity are the true deliverables.
How today’s advisors are thinking partners - not brokers, not salespeople - and why that distinction matters.

Whether you’re looking to revisit your own financial goals or want to understand how PAX serves the people you refer, this episode reframes financial planning not as a product, but as a partnership rooted in values and vision.

For more insights or to connect with a PAX Financial Group advisor, visit www.PAXFinancialGroup.com.

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In this week’s episode of Retire in Texas, Darryl Lyons, CEO and Co-Founder of PAX Financial Group, reflects on the life, legacy, and investing philosophy of Warren Buffett in light of his upcoming transition from CEO of Berkshire Hathaway. At 94 years old, Buffett’s influence on the world of finance spans generations - and in this thoughtful episode, Darryl shares not only Buffett’s remarkable accomplishments, but also the lessons that everyday investors can learn from his unique approach.

Darryl unpacks Buffett’s investing style, personal quirks, and lesser-known decisions, while offering insight into how value investing has evolved - and where it may still hold relevance in a fast-moving, AI-driven market.

Key highlights of the episode include: • What really made Warren Buffett successful - and why focus, brilliance, and longevity matter. • The origins of Berkshire Hathaway and how it became a powerhouse holding company. • Why Buffett’s love of insurance companies fueled many of his smartest investments. • The difference between value and growth investing - and where you may fit. • How Buffett’s famous quotes reflect deeper truths about risk, reputation, and success.

From reflections on Buffett’s personal life and ethics to the power of focus and time, this episode invites listeners to think more intentionally about their financial lives - and to consider how long-term thinking, not short-term wins, truly builds wealth and wisdom.

For more insights or to connect with a PAX Financial Group advisor, visit www.PAXFinancialGroup.com. Like what you heard? Share this episode with a friend!

In this week’s episode of Retire in Texas, Darryl Lyons, CEO and Co-Founder of PAX Financial Group, takes on one of the most urgent and often misunderstood topics in retirement planning: Social Security. With headlines swirling, political tensions rising, and myths spreading, Darryl breaks down the real math behind the Social Security system, the challenges it faces, and what retirees (and future retirees) need to understand today.

Drawing on personal stories, economic context, and practical advice, Darryl explains why this issue affects everyone - not just those currently receiving checks - and how thoughtful, long-term thinking can help you navigate decisions like when to claim benefits, how to plan for your spouse’s future, and what tax impacts to watch for.

Key highlights of the episode include: • Why Social Security has been called a “Ponzi scheme” - and whether that label is fair. • The looming 2033 shortfall and what it could mean for benefit payouts. • Why investment policy (or the lack of it) in the Social Security trust fund matters so much. • The dangers of claiming benefits early without considering your spouse’s future. • How Social Security taxation really works - and the thresholds that affect you.

Whether you’re already retired or getting close, this episode is designed to help you understand how Social Security impacts your financial picture - and what you can do now to make informed, confident decisions about your retirement income.

For more insights or to connect with a PAX Financial Group advisor, visit www.PAXFinancialGroup.com. Like what you heard? Share this episode with a friend!

In this week’s episode of Retire in Texas, Darryl Lyons, CEO and Co-Founder of PAX Financial Group, takes a closer look at two often misunderstood investing vehicles: mutual funds and exchange traded funds (ETFs). Building on last week's discussion about stocks and bonds, Darryl breaks down the key differences between these two types of funds, how they operate, and what investors need to know when deciding between them.

Through real-world examples, historical context, and practical insight, Darryl explains why the evolution from mutual funds to ETFs has reshaped modern investing - and why understanding the nuances between them could be critical for your financial future.

Key highlights of the episode include: • The origin of mutual funds, their human-driven decision-making, and the potential risks of overconcentration. • Why exchange traded funds (ETFs) offer lower costs, greater accessibility, and often outperform traditional mutual funds. • The behavioral traps of ETFs - including the temptation to panic-sell - and why discipline is key. • The truth about 401(k)s, IRAs, and how they simply serve as “wrappers” for your actual investments. • When actively managed mutual funds may still outperform passive index funds - and where an advisor can add real value.

Whether you're debating between mutual funds and ETFs or simply want a better grasp of where your money is invested, this episode provides a thoughtful, accessible guide to making smarter investment choices - with an eye always on the bigger picture.

For more insights or to connect with a PAX Financial Group advisor, visit www.PAXFinancialGroup.com. Like what you heard? Share this episode with a friend!

In this week’s episode of Retire in Texas, Darryl Lyons, CEO and Co-Founder of PAX Financial Group, brings it back to basics - but with a twist. In a time when market noise is louder than ever, Darryl offers a clear, foundational look at the four main investment types: stocks, bonds, cash, and alternatives. Whether you’re a seasoned investor or just getting started, this episode delivers timeless principles, real-world context, and fresh insight to help you make better long-term decisions.

Darryl explains why owning companies still offers the best opportunity for long-term growth, why cash isn’t as “safe” as it feels, and how innovations like private equity are reshaping the investment landscape. Most importantly, he challenges listeners to rethink risk, recognize the power of compounding, and stop letting fear keep money on the sidelines.

Key highlights of the episode include:

The four building blocks of any portfolio - and what each one really means for your future.
The difference between growth and income stocks, and why mid-size companies may offer a “Goldilocks” sweet spot.
What bonds are, how they pay you, and the hidden risks in both high-yield and investment-grade debt.
Why cash loses value over time - and how behavioral biases cost investors more than they realize.
How alternative investments like private equity and structured products are changing the game for everyday investors.

Whether you’ve been in the market for decades or are still holding too much cash “just in case,” this episode helps reframe the investing conversation around clarity, confidence, and long-term thinking.

For more insights or to connect with a PAX Financial Group advisor, visit www.PAXFinancialGroup.com. Like what you heard? Share this episode with a friend

Resources:

What Are The Historical Returns For Stocks, Bonds, Gold, Real Estate, And Cash? (Asset Class Returns) - QuantifiedStrategies.com

S&P 500 Annual Total Return Yearly Analysis: S&P 500 Returns | YCharts

Annualized Returns By Asset Class From 1999 to 2018

Historical and expected returns - Bogleheads

In this week’s episode of Retire in Texas, Darryl Lyons, CEO and Co-Founder of PAX Financial Group, takes a deep dive into the complex and controversial topic of tariffs - unpacking what they are, why they exist, and how they affect not just global economies, but your personal financial plan.

Darryl explores the motivations behind America’s shifting tariff strategies, from supply chain security to deficit reduction, and how political perspectives, media bias, and management styles shape the broader conversation. With clear explanations, real-world examples, and a steady focus on the “why” behind the policy decisions, this episode provides the insight you need to navigate today’s volatile market with more confidence.

Key highlights of the episode include: • Four primary reasons tariffs are imposed - and what each means for your investments. • How political bias clouds the public discourse around trade and economic strategy. • The ripple effect of tariffs on companies like Tesla, Intel, and broader stock market behavior. • What history (and the Smoot-Hawley Act) teaches us about tariff backlash and economic recovery. • Why patience, perspective, and long-term thinking are essential in uncertain times.

Whether you’re watching the headlines with concern or just wondering how it all ties back to your retirement plan, this episode offers grounded, big-picture thinking for today’s investors.

For more insights or to connect with a PAX Financial Group advisor, visit www.PAXFinancialGroup.com.

Like what you heard? Share this episode with a friend and remember - you think different when you think long term.

In this week’s episode of Retire in Texas, Darryl Lyons, CEO and Co-Founder of PAX Financial Group, breaks down five common retirement outcomes - some inspiring, some sobering - and shares how intentional planning and mindset shifts can help you pivot toward a more meaningful future.

Drawing on a decades-old survey of 90-year-old women who shared what they would’ve done differently in life, Darryl explores how those insights can shape our retirement journey. From nightmare scenarios to dream retirements, he provides real-life examples, biblical context, and actionable advice to help you evaluate your own path.

Key highlights of the episode include:

The “four retirements” model, plus a bonus fifth, and how to tell which one you’re headed for.
Why relationships matter just as much as money when it comes to long-term well-being.
How to avoid becoming a financial burden to family or the system.
What legacy planning really means - and how to start one even with modest resources.
The surprising health benefits of feeling connected to a larger community.

Whether you’re preparing for retirement or already living it, this episode offers practical and heartfelt wisdom for navigating the road ahead with clarity and purpose.

For more insights and to connect with a PAX Financial Group advisor, visit www.PAXFinancialGroup.com.

If this episode sparked some reflection, don’t forget to share it with a friend!

In this week’s episode of Retire in Texas, Darryl Lyons, CEO and Co-Founder of PAX Financial Group, reflects on the deeper meaning of work, beyond the paycheck and the hustle, and explores how our jobs can serve as a spiritual journey.

This episode offers a thoughtful look at the concept of the dignity of work, making the case that how we work - and how we view work - can shape not just our careers, but our character and communities. Darryl shares personal stories, scriptural insights, and life lessons that challenge the cultural narrative of busyness and control.

Key highlights of the episode include:

• Why work isn’t just about making money, and how giving can transform your perspective. • The power of workplace connections and the unexpected moments that reveal human kindness. • How small acts of improvement and growth can make work more fulfilling. • The myth of control in our professional lives, and what it means to truly trust in the long game. • How reframing your understanding of work can lead to less anxiety and more purpose.

If you’ve ever questioned the point of work, or found yourself weighed down by the day-to-day grind, this episode will offer a fresh and encouraging perspective. Whether you’re in the thick of your career or mentoring the next generation, Darryl’s message is a reminder that work, done with intention, can be one of the most meaningful parts of our lives.

For more insights and to connect with a PAX Financial Group advisor, visit www.PAXFinancialGroup.com.

If you found this episode encouraging, don’t forget to share it with a friend!

In this week’s episode of Retire in Texas, Darryl Lyons, CEO and Co-Founder of PAX Financial Group, offers a timely market update and addresses some of the most common economic questions he's hearing right now - from inflation and tariffs to taxes and the debt ceiling.

This episode is tied closely to current events, giving listeners a snapshot of what’s driving market movements and how to make sense of the headlines. Darryl breaks down complex topics in a digestible way, sharing real-life examples and practical steps to stay focused during economic uncertainty.

Key highlights of the episode include:

• Why the recent market correction isn’t cause for panic - and what history teaches us about rebounds. • The role of tariff policy in market volatility and why uncertainty is more damaging than the policies themselves. • A deeper look at inflation, the Federal Reserve’s strategy, and what it means for your wallet. • What to know about the upcoming expiration of the 2017 tax bill and how potential extensions could impact planning. • The significance of the debt ceiling debate - and why the U.S. Treasury market is still holding strong. • Why emotional investing can be dangerous and how staying diversified may be your best defense.

This episode is your go-to update on the state of the market, delivered in a way that’s easy to understand and act on. If you're feeling uncertain about what’s next, Darryl offers calm, thoughtful insights to help you navigate what’s happening now - and keep an eye on the long term.

For more insights and to connect with a PAX Financial Group advisor, visit www.PAXFinancialGroup.com.

If you found this episode helpful, don’t forget to share it with a friend!

Resources:

https://www.foxnews.com/category/us/immigration

Do Government Shutdowns Affect the Stock Market?

The debt ceiling is back on the table for 2025. Here's what happens next.

https://apnews.com/article/stocks-markets-rates-tariffs-trump-669605bbde01213a2d43ea80ed8af103

https://markets.businessinsider.com/news/stocks/goldman-sachs-europe-china-markets-benefiting-us-rout-decouple-outlook-2025-3?utm_source=chatgpt.com%22%20\t%20%22_blank

In this week’s episode of Retire in Texas, Darryl Lyons, CEO and Co-Founder of PAX Financial Group, explores the role of international investments in a well-balanced portfolio. While many investors focus on domestic markets, international stocks have shown significant potential - sometimes even outperforming U.S. stocks. Darryl unpacks insights from leading financial institutions, including Hartford and Fidelity, to assess whether now is the time to increase international exposure.

Key highlights of the episode include:

• Why international stocks are gaining traction and how they fit into a diversified portfolio.

• The difference between domestic, international, and global investments - and why it matters.

• How emerging markets like Brazil, Russia, India, and China compare to developed markets in Europe and Japan.

• The risks of international investing, including currency fluctuations, geopolitical tensions, and different accounting standards.

• Why experts suggest a shift toward higher international allocations in portfolios over the next decade.

A well-structured investment strategy considers more than just past performance, it looks at evolving global trends, economic shifts, and risk management. As interest rates, inflation, and trade policies change, now may be the time to reassess your international allocation.

For more insights and to connect with a PAX Financial Group advisor, visit www.PAXFinancialGroup.com.

If you found this episode valuable, share it with someone who could benefit!

Resources:

Investing | international stock outlook | Fidelity

Could Emerging-Markets Stocks Outperform US Stocks? | Morningstar

Morningstar India Index 

In this week’s episode of Retire in Texas, Darryl Lyons, CEO and Co-Founder of PAX Financial Group, dives into the real value that financial advisors bring to the table - beyond just investment returns. Drawing insights from the latest Vanguard, Morningstar, and Michael Kitces studies, Darryl unpacks how advisors help clients navigate investment strategies, manage emotions, and create long-term financial sustainability.

Key highlights of the episode include:

• How financial advisors add measurable value beyond their fees, as confirmed by industry research.

• The importance of collaboration between advisors and clients to maximize returns and long-term financial stability.

• The dangers of chasing investment trends and why a slow, steady approach often wins the race.

• Why strategic rebalancing and tax-efficient investing can lead to better financial outcomes.

• How a well-structured portfolio - including core investments and satellite strategies - can balance risk and opportunity.

A strong advisor-client relationship isn’t just about numbers, it’s about making informed, disciplined financial choices that align with your future goals. Whether it's avoiding costly mistakes, reducing tax burdens, or ensuring a lasting legacy, the right financial strategy can make all the difference.

For more insights and to connect with a PAX Financial Group advisor, visit www.PAXFinancialGroup.com.

If you found this episode valuable, share it with someone who could benefit!

Resources:

Putting a value on your value: Quantifying Vanguard Advisor’s Alpha

dont-miss-best-days.pdf

In this week’s episode of Retire in Texas, Darryl Lyons, CEO and Co-Founder of PAX Financial Group, explores the concept of Redeeming Money - how faith and finances intersect and how money can be used as a tool for greater purpose. Many people struggle with aligning their investments and financial decisions with their values, but Darryl shares insights on how faith-driven investing is growing and shaping the financial industry.

Key highlights of the episode include:

The shifting landscape of faith and secularization in America and what it means for financial decision-making.
How biblical principles can guide investment strategies, including moral screening, impact investing, and corporate engagement.
Why financial advisors and investors are taking a more intentional approach to where their money goes.
The role of faith-based investing in driving positive change and advancing values-driven financial stewardship.
Insights from the Redeeming Money Conference and how thousands of advisors are embracing this movement.

Your money isn’t just a resource - it’s an opportunity to make a meaningful impact. Whether through avoiding harmful investments, supporting businesses that align with your beliefs, or advocating for change within companies, there are ways to integrate faith into financial decisions.

For more insights and to learn how PAX Financial Group can help you align your finances with your values, visit www.PAXFinancialGroup.com.

If you found this episode valuable, share it with someone who could benefit!

Resource

https://www.nytimes.com/2025/02/26/us/christianity-us-religious-study-pew.html

In this week’s episode of Retire in Texas, Darryl Lyons, CEO and Co-Founder of PAX Financial Group, breaks down the critical topic of estate planning and why having a will is essential for protecting your legacy. Many people put off drafting a will, assuming they have time or that their estate isn’t complex enough to require one - but history shows that failing to plan can create unnecessary legal battles, tax burdens, and family disputes.

Key highlights of the episode include:

• The real-life consequences of not having a will, featuring case studies on Prince, Abraham Lincoln, Pablo Picasso, and Sonny Bono. • How probate works and why it can take years to settle an estate without a clear legal plan. • The impact of estate taxes and why high-net-worth individuals could lose up to 50% of their wealth without proper planning. • The roles of trustees, guardians, and corporate trustees in managing your estate effectively. • Practical steps to ensure your assets are distributed according to your wishes.

Your will isn’t just a legal document, it’s a conversation about the future of your wealth and your family’s well-being. Don’t leave it to chance. For additional insights and to learn how PAX Financial Group can help guide your estate planning journey, visit www.PAXFinancialGroup.com.

If you found this episode valuable, share it with someone who could benefit!

In this week’s episode of Retire in Texas, Darryl Lyons, CEO and Co-Founder of PAX Financial Group, explores the importance of diversification and why blindly following the S&P 500 may not be the best investment strategy. While many investors believe in a simple, passive approach, history has shown that overreliance on any single asset class can be risky - especially in unpredictable market cycles.

Key highlights of the episode include:

• Lessons learned from the Lost Decade (2000-2010) and how a stagnant S&P 500 impacted investors. • Why the four largest companies in the world in 1989 - based in Japan - led to a 30-year bear market. • The role of alternative investments such as private equity, private debt, and infrastructure in modern portfolios. • How PAX Financial Group approaches diversification to balance risk and opportunity in today’s market.

For additional insights and to learn how PAX Financial Group can guide your financial journey, visit www.PAXFinancialGroup.com. If you enjoyed this episode, share it with someone who could benefit!

Resources:

Amazon.com: The Allocator's Edge: A modern guide to alternative investments and the future of diversification: 9780857197931: Huber, Phil, Asness, Clifford: Books

The Allocator's Edge: A modern guide to alternative investments and the future of diversification

In this week’s episode of Retire in Texas, Darryl Lyons, CEO and Co-Founder of PAX Financial Group, uncovers the surprising ways investors sabotage their own success. Despite strong market performance, studies show that the average investor consistently underperforms - by as much as 5% per year. Why? Behavioral biases.

Key highlights of the episode include:

•The Dow Bar study’s shocking findings on why investors consistently earn 5% less than the market. •How overconfidence causes even successful professionals to make costly financial mistakes. •Why recency bias leads investors to chase trends and panic during downturns. •The impact of confirmation bias and how it keeps investors from seeing the full picture. •Real-world examples of billionaires, fund managers, and everyday investors who fell into these traps.

For additional insights and to learn how PAX Financial Group can guide your financial journey, visit www.PAXFinancialGroup.com. If you enjoyed this episode, share it with someone who could benefit!

Resources:

Keys to Financial Success and how Behavioral Tendencies can Impact...

Is It Safer to Travel by Car or Plane? A Comprehensive Safety Comparison for Travelers

DALBAR Releases 30th Annual QAIB Report

How Investors Are Costing Themselves Money

5 Behavioral Biases That Affect Investing Decisions

In this week’s episode of Retire in Texas, Darryl Lyons, CEO and Co-Founder of PAX Financial Group, explores the world of small-cap stocks and their potential role in your investment portfolio. While often overlooked, these companies present unique opportunities for growth - but also come with specific risks. Darryl unpacks the fundamentals of small caps, their historical performance, and key factors influencing their future outlook.

Key highlights of the episode include:

• The definition of small-cap stocks and why they differ from traditional small businesses. • How small-cap companies fit into a diversified investment strategy, typically making up 5-15% of a portfolio. • The impact of interest rates on small caps and why rate cuts could create a tailwind for these stocks. • Why private equity is changing the small-cap landscape and what that means for investors. • Examples of small-cap companies that have grown into industry giants, like Monster Energy and Pilgrim’s Pride. • The pros and cons of investing in small caps, including their potential for high returns and their vulnerability to market swings.

For additional insights and to learn how PAX Financial Group can guide your financial journey, visit www.PAXFinancialGroup.com. If you enjoyed this episode, share it with someone who could benefit!

Resources:

10 of the Best Small-Cap Stocks to Buy Today | Morningstar

(9) Have the insatiable private markets eaten the small cap effect? | LinkedIn

The Cross‐Section of Expected Stock Returns - FAMA - 1992 - The Journal of Finance - Wiley Online Library

StepStone PowerPoint Presentation Template_Jan 2024

The stars appear aligned for small caps

The best and worst Small Growth funds

In this week’s episode of Retire in Texas, Darryl Lyons, CEO and Co-Founder of PAX Financial Group, breaks down his top ten convictions for 2025, exploring trends and insights shaping the financial landscape in the year ahead. From housing market optimism to artificial intelligence entering the mainstream, Darryl offers thoughtful perspectives to help you navigate opportunities and challenges in the coming year.

Key highlights of the episode include:

● Why millennials and Gen Z may finally catch a break in the housing market as regulatory incentives and builder optimism reshape the landscape.

● Preparing for a potential 10% market pullback, driven by an unexpected and significant event.

● Insights on how diversification may lead to opportunities beyond the "Magnificent Seven" tech stocks.

● How the expiration of the Tax Cuts and Jobs Act (TCJA) could impact estate taxes, deductions, and planning strategies.

● How significant advancements in artificial intelligence will begin to reshape productivity and innovation across industries, with companies leveraging AI to achieve unprecedented efficiencies and create new opportunities for growth.

For additional insights and to learn how PAX Financial Group can guide your financial journey, visit www.PAXFinancialGroup.com. If you enjoyed this episode, share it with someone who could benefit!

Resources:

Housing Market Predictions For 2025: When Will Home Prices Drop? – Forbes Advisor

Trump wants to fix the housing affordability crisis: Can he? | Fox Business

About - The Hotel Guide

Moore's Law

Texas’ Main Voucher Bill

This Chart Shows How Often Stock Market Corrections Occur | Money

Travel 2025: The Forecast on Pricing is Mixed - The New York Times

In this week’s episode of Retire in Texas, Darryl Lyons, CEO and Co-Founder of PAX Financial Group, dives into the art of decision-making and how honing this skill can elevate your financial and personal life. Drawing parallels between the decisiveness needed in investing and the permanence of tattoos, Darryl shares practical tips to help listeners approach life’s toughest choices with a thoughtful and deliberate mindset.

Key highlights of the episode include:

● The distinction between decisiveness and impulsiveness - and how to avoid costly mistakes.

● Why setting the right mental stage (including adequate sleep and a clear mind) is crucial for sound investment decisions.

● The importance of asking better questions to uncover deeper insights for your financial strategy.

● Insights from Jim Collins’ Good to Great: quoting “Fire bullets, not cannons” for measured, thoughtful decision-making.

● The risks of overconfidence in investments, including myths about the U.S. dollar and diversification strategies.

● How to measure and manage downside risk effectively using tools like Monte Carlo analyses and structured products.

For more insights and to explore how PAX Financial Group can guide you on your financial journey, visit www.PAXFinancialGroup.com. If you enjoyed this episode, share it with someone who could benefit!

Resources:

Mitch on the Markets The Strong Dollar's Impact on Markets and Economy in 2025

Decisive: How to Make Better Choices in Life and Work

Decisive: How to Make Better Choices in Life and Work

In this week’s episode of Retire in Texas, Darryl Lyons, CEO and Co-Founder of PAX Financial Group, explores the nuances of investment decision-making and the importance of patience in achieving long-term financial success. Drawing on real-world examples and lessons from PAX Financial’s due diligence process, Darryl unpacks the complexities of managing portfolios and avoiding common investment pitfalls.

Key highlights of the episode include:

The importance of patience and why the market rewards long-term investors.
Real-life examples of investment mistakes, including the infamous Zoom vs. Zoom Technologies mix-up.
Insights on diversification and how outsourcing to skilled money managers can reduce risk.
The critical role of due diligence in assessing underperforming assets or asset managers.
Why switching "money lanes" prematurely is one of the most common and costly errors investors make.
How PAX Financial Group remains loyal to clients by maintaining transparency and avoiding conflicts of interest.

For more insights and to explore how PAX Financial Group can guide you on your financial journey, visit www.PAXFinancialGroup.com. If you enjoyed this episode, share it with someone who could benefit!

Resources:

https://www.carsongroup.com/insights/blog/the-real-message-behind-missing-the-best-market-days-chart/

www.eventide.com

https://www.thewealthadvisor.com/article/stock-markets-momentum-poised-shift-2025?mkt_tok=NjY2LVBIQS05NTgAAAGX4cJOvDMCrG-KdOpyw4xXagyLXAXeKV2TRrwjkkeRiR4mkA5jC6oavlNp9NpnnLAdLFVk00VA0D2DC5YMPz7nJau5SeYkRqCiO347

https://drive.google.com/file/d/14GhhPcotO_CFqa8tTgOhgGlt3TMjjDLc/view?usp=sharing

In this week’s episode of Retire in Texas, Darryl Lyons, CEO and Co-Founder of PAX Financial Group, tackles the growing complexity of today's world and its impact on the global economy, investment strategies, and everyday decisions. Drawing comparisons to the simplicity of the 1950s, Darryl examines how technological advancements, trade policies, and consumer behaviors have evolved and how embracing complexity can lead to better financial outcomes.

Key highlights of the episode include:

The importance of developing tolerance for complexity in a rapidly changing world.
How tariffs, global trade, and interconnected supply chains shape economic trends.
Insights into the Consumer Confidence Index and what declining numbers signal about the economy.
Why diversification remains crucial in managing risk during uncertain times.
Opportunities for innovation and strategic investment in a complex global market.
Practical advice for overcoming fear and making sound financial decisions in a multifaceted environment.

To learn more and explore how PAX Financial Group can help you navigate economic challenges, visit www.PAXFinancialGroup.com. If you found this episode helpful, share it with someone who might benefit!

Resources:

Opinion: Trump is right on tariffs, here’s why

Americans Are Less Confident About Where The US Economy Is Headed | The WealthAdvisor

In this week’s episode of Retire in Texas, Darryl Lyons, CEO and Co-Founder of PAX Financial Group, explores Charles Schwab's 2025 US Stock and Economic Outlook and its implications for investors in the coming year. Darryl provides a thoughtful breakdown of the report's key insights, covering everything from tariffs and trade policies to economic growth, housing affordability, and opportunities in the stock market.

This episode takes a balanced look at how policy changes, economic trends, and market volatility might shape the 2025 financial landscape, helping listeners better understand what to expect in the months ahead. Whether you’re a seasoned investor or someone simply curious about where the economy may be headed, this discussion offers clarity and actionable takeaways.

Key highlights of the episode include:

The potential impact of tariffs, mass deportations, and trade dynamics on the US economy and inflation.
Why small businesses remain optimistic despite inflationary challenges and how they drive job growth.
The importance of domestic production, innovation, and unexpected market upsides.
Insights into the housing market, affordability concerns, and the role of foreign labor in construction.
Opportunities in stocks, small-cap companies, private credit, and international markets as we enter 2025.
Practical advice for weathering market pullbacks and preparing for volatility in a shifting economic environment.

To learn more and explore how PAX Financial Group can guide you through economic changes, visit www.PAXFinancialGroup.com. If you found this episode valuable, share it with someone else who might benefit!

Resource:

2025 Schwab Market Outlook | Schwab Funds

In this week’s episode of Retire in Texas, Darryl Lyons, CEO and Co-Founder of PAX Financial Group, explores the transformative world of artificial intelligence (AI) and its growing influence on both daily life and the financial industry. From understanding generative AI to exploring its practical applications and investment opportunities, Darryl breaks down this complex topic with clarity and insight.

This episode takes a closer look at the current state of AI adoption, its potential to revolutionize industries, and what it means for your financial future. Whether you’re a tech-savvy early adopter or someone just beginning to explore the concept of AI, this discussion is packed with valuable takeaways for everyone.

Key highlights of the episode include:

The difference between artificial intelligence and generative AI, with examples of how they are shaping industries.
How AI-powered tools like ChatGPT and voice simulation technology are redefining customer service and creative industries.
Real-world applications of AI in financial services, including portfolio analysis, tax planning, and note-taking.
The security threats posed by AI, from voice replication to data breaches, and how to protect yourself.
Why AI represents the next major investment opportunity, and which industries are poised for growth in this new economy.
Practical steps for exploring AI in your own life, from apps like Grammarly and Waze to experimenting with AI-powered chat tools.

For more insights and to explore how PAX Financial Group can help you navigate the ever-changing financial environment, visit www.PAXFinancialGroup.com. If you enjoyed this episode, share it with someone who might find it useful!

Resources:

make Travis' first song in almost a decade -- a song called, "Where That Came From."

Artificial intelligence - Machine Learning, Robotics, Algorithms | Britannica

AI Trends 2025 | Info-Tech Research Group

Why you won’t find many options if you’re looking for AI gifts

How artificial intelligence helped country music icon Randy Travis get back his renowned singing voice

In this week’s episode of Retire in Texas, Darryl Lyons, CEO and Co-Founder of PAX Financial Group, shares the insights gathered by the firm's recent advisory council meeting. With valuable feedback from a select group of clients, Darryl uncovers important lessons about the current financial climate and how PAX Financial Group is continuing to adapt to serve its clients better.

This episode explores 15 key takeaways from the advisory council that shed light on challenges, opportunities, and unique strategies for financial planning. From understanding the role of a financial advisor to creating meaningful connections with younger generations, Darryl shares practical insights that can help you rethink your financial approach.

Key highlights of the episode include:

The surprising number of people who still don't have a financial advisor and the importance of seeking professional guidance.
Why PAX Financial Group's multiple resources, including in-house legal counsel and strategic partnerships, offer clients a comprehensive approach to solving financial challenges.
The challenge of balancing personalized care with business growth while maintaining that "family feel."
How financial advisors are meant to be guides - not heroes - and why your financial success is rooted in the decisions you make.
A look at how PAX Financial Group is tackling the challenge of engaging with younger generations and ensuring they receive the right financial advice.
The concept of core-satellite portfolio investing and why diversification remains crucial in uncertain market times.

For more insights and to connect with a financial advisor who can guide you through your financial journey, visit www.PAXFinancialGroup.com. If you found this episode helpful, be sure to share it with others who may benefit from it!

In this week’s episode of Retire in Texas, Darryl Lyons, CEO and Co-Founder of PAX Financial Group, breaks down the complexities of Required Minimum Distributions (RMDs). RMDs can be an intimidating topic, but Darryl simplifies the details with practical guidance, actionable strategies, and insights to help you navigate this critical aspect of retirement planning.

In this episode, Darryl explores the fundamentals of RMDs, explaining their impact on your tax strategy, legacy planning, and overall financial health. Whether you're nearing the RMD age, have questions about Roth conversions, or want to reduce your lifetime tax burden, this episode provides valuable insights to optimize your retirement plan.

Key highlights of the episode include:

Understanding the rules, including recent changes to RMD ages, and how they affect your tax obligations.
Exploring Roth IRAs, qualified charitable distributions (QCDs), and how to balance traditional and Roth accounts for long-term tax efficiency.
Insights on the 10-year rule for non-spouse beneficiaries, trust considerations, and how to avoid unintended tax consequences for your heirs.
Breaking down calculations, life expectancy tables, and why your December 31 balance plays a critical role.
Common pitfalls like missed RMDs, understanding IRS codes, and how to ensure proper reporting.

For more resources and to connect with a financial advisor who can help you plan your retirement with confidence, visit www.PAXFinancialGroup.com. If you found this episode helpful, share it with someone preparing for retirement!

Disclaimer: Clicking the Like button does not constitute a testimonial for, recommendation or endorsement of our advisory firm, any associated person, or our services. Clicking the Like button is merely a mechanism to circulate our social media page. “Like” is not meant in the traditional sense. In addition, postings must refrain from recommending us or providing testimonials for our firm.

References:

2023 Publication 590-B

In this week’s episode of Retire in Texas, Darryl Lyons, CEO and Co-Founder of PAX Financial Group, takes a deep look into faith-based investing, sharing insights on how Judeo-Christian values can shape investment strategies. Darryl explores how the investment landscape has shifted over the past five years, leading to the rise of values-based investing for those seeking to align their portfolios with their beliefs.

Darryl breaks down three distinct approaches to faith-based investing, helping listeners identify where they might fit and offering practical guidance on how to incorporate biblical principles into financial planning. Whether you're looking to avoid "bad" companies, disrupt corporate behavior, or simply work with an advisor who honors your faith, this episode has something for everyone.

Key highlights of the episode include:

Understanding the avoid and embrace philosophy, which focuses on excluding companies with practices contrary to biblical values while supporting companies that align with those principles.
Exploring the influence and disrupt approach, which leverages shareholder voting power to advocate for positive change within companies.
Learning about the give and support mindset, where the priority is working with a firm that aligns with Judeo-Christian values and supports strategic charitable giving, such as tithing or legacy planning.
Addressing challenges like navigating ethical dilemmas, implementing donor-advised funds, and leveraging technology to identify company practices.
Biblical insights into money management, drawn from over 2,000 scriptures, to help listeners align their finances with their faith.

For more resources and to connect with a financial advisor who shares your values, visit www.PAXFinancialGroup.com. If you enjoyed this episode, share it with a friend who might find it inspiring!

Disclaimer: Clicking the Like button does not constitute a testimonial for, recommendation or endorsement of our advisory firm, any associated person, or our services. Clicking the Like button is merely a mechanism to circulate our social media page. “Like” is not meant in the traditional sense. In addition, postings must refrain from recommending us or providing testimonials for our firm.

References:

Why I Was Skeptical of Faith-Based Investing — and What Changed My Mind - Eventide Center for Faith & Investing

Voters anchorage can protect womens privacy ballot initiative

British pro-life advocate again arrested for ‘thoughtcrime’ of silent prayer near abortion clinic

The Dangers of the Equality Act | The Heritage Foundation

Anti-Christian hate rising in Europe: From job firings to arson to murders - The Lion

Why I Was Skeptical of Faith-Based Investing — and What Changed My Mind - Eventide Center for Faith & Investing

In this week’s episode of Retire in Texas, Darryl Lyons, CEO and Co-Founder of PAX Financial Group, tackles some of the most frequently asked financial questions he receives, covering topics that impact individuals and families alike. Darryl offers straightforward advice on everything from debt management strategies to understanding the potential tax implications of government proposals, providing listeners with practical steps to improve their financial outlook.

Darryl dives into each question, sharing resources, strategies, and unique perspectives on topics like paying for college, retirement preparation, and managing investments effectively. His thoughtful answers empower listeners to make informed decisions that align with their financial goals.

Key highlights of the episode include:

Darryl recommends Going Mary as a resource for finding scholarships and navigating the competitive world of college funding.
An explanation of the debt snowball method, focusing on paying off smaller debts first to build momentum and consistency.
Insights on the potential effects of an unrealized gains tax on investors and how it might impact portfolio strategies.
Examining the proposed $25,000 down payment assistance for first-time buyers, noting the benefits and potential drawbacks.
Financial tips for military families preparing for retirement, emphasizing debt reduction, cash reserves, and the Survivor Benefit Plan.

For more resources and to connect with a financial advisor, visit www.PAXFinancialGroup.com. If you found this episode helpful, consider sharing it with a friend or family member!

Disclaimer: Clicking the Like button does not constitute a testimonial for, recommendation or endorsement of our advisory firm, any associated person, or our services. Clicking the Like button is merely a mechanism to circulate our social media page. “Like” is not meant in the traditional sense. In addition, postings must refrain from recommending us or providing testimonials for our firm.

In this week’s episode of Retire in Texas, Darryl Lyons, CEO and Co-Founder of PAX Financial Group, explores the theme of leadership and its impact on personal and financial growth. Moving beyond traditional topics, Darryl shares his own experiences and insights on how true leadership plays a pivotal role in shaping our lives and communities.

Key show highlights include:

• Understanding leadership as influence and the importance of guiding others with integrity.

• Darryl’s personal journey and the mentors who shaped his career and values.

• How to identify your own strengths and develop them into meaningful contributions.

• The concept of “guru,” someone who brings others from “darkness to light,” and why everyone can be a leader in their own circle.

• Practical tips for fostering a culture of curiosity and growth within your community.

Tune in to reflect on your own leadership potential and gain insights on how to positively influence others. If you enjoyed this episode, be sure to share it with friends, family, or anyone interested in growing as a leader!

Disclaimer: Clicking the Like button does not constitute a testimonial for, recommendation or endorsement of our advisory firm, any associated person, or our services. Clicking the Like button is merely a mechanism to circulate our social media page. “Like” is not meant in the traditional sense. In addition, postings must refrain from recommending us or providing testimonials for our firm.

In this episode of Retire in Texas, Darryl Lyons, CEO and Co-Founder of PAX Financial Group, tackles a critical issue facing many Americans: the retirement crisis. Darryl breaks down the risks of running out of money in retirement, emphasizing how financial insecurity can impact both individuals and families. He shares insights into the characteristics of financially secure retirees and highlights the alarming fact that many seniors in the U.S. do not meet these criteria.

Darryl also covers essential steps for those in both the accumulation and distribution phases of retirement, offering practical advice to help listeners build a secure future. From saving 15% of income during the accumulation phase to "stress-testing" finances for different scenarios in retirement, he presents actionable steps to address potential gaps in retirement plans.

Key highlights of the episode include:

Understanding the factors behind America’s retirement crisis and the common challenges faced by retirees.
Insights into building a financially secure future, including Darryl's 15% rule for retirement savings.
The importance of “stress-testing” retirement funds to prepare for unexpected life changes.
Practical advice on navigating Social Security uncertainties and maximizing 401(k) contributions.
Darryl’s perspectives on financial security and retirement planning, rooted in over 20 years of experience.

For more resources, visit www.paxfinancialgroup.com. If you found this episode helpful, be sure to share it with a friend!

Resources:

Voters 50+ Share Their Candidate Preferences and Top Issues for 2024 in These Battleground Surveys

No Matter How We Measure It, There’s No Retirement Crisis | American Enterprise Institute - AEI

Republicans and Democrats agree: America faces a retirement crisis

Social Security, Medicare benefits at risk with looming shortfalls

Addressing the Nation's Retirement Crisis

Disclosure: Testimonials are based on unique experiences from current clients and are not representative of all client experiences. Testimonials are (un)solicited and no cash or non-cash compensation was paid for such testimonials.

Disclaimer: Clicking the Like button does not constitute a testimonial for, recommendation or endorsement of our advisory firm, any associated person, or our services. Clicking the Like button is merely a mechanism to circulate our social media page. “Like” is not meant in the traditional sense. In addition, postings must refrain from recommending us or providing testimonials for our firm.

In this week’s episode of Retire in Texas, Darryl Lyons, CEO and Co-Founder of PAX Financial Group, takes a deep look into the booming economic landscape of Texas. Darryl explores the key factors driving Texas' rapid growth, from its business-friendly environment to the ongoing migration of companies and people from other states. With a focus on the Texas Triangle (Dallas, Houston, San Antonio), he discusses the unique ecosystem forming between these cities and how it’s shaping the future of commerce.

Darryl also shares his personal journey through various Texas towns, offering listeners insight into the diverse subcultures of the state and the bond that unites Texans. From the challenges of traffic and infrastructure to the expansion of high-paying job opportunities, Darryl breaks down why Texas remains a smart bet for businesses and families alike.

Key show highlights include:

The population boom in Texas and its impact on the economy.
A closer look at the Texas Triangle and its role in attracting major companies like Tesla, Oracle, and Apple.
How industries like oil, natural gas, technology, and alternative energy are shaping Texas' future.
Darryl’s personal experiences growing up in Texas and how the state’s unique culture plays into its success.
Insights into infrastructure projects like the I-35 Capital Express and how they aim to accommodate the state’s rapid growth.

Tune in to explore why betting on Texas is a smart decision for anyone considering a move or investment in the Lone Star State. For more resources, visit www.paxfinancialgroup.com. If you enjoyed today’s episode, don’t forget to share it with a friend!

Disclaimer: Clicking the Like button does not constitute a testimonial for, recommendation or endorsement of our advisory firm, any associated person, or our services. Clicking the Like button is merely a mechanism to circulate our social media page. “Like” is not meant in the traditional sense. In addition, postings must refrain from recommending us or providing testimonials for our firm.

Resources:

Narrower Traffic Lanes in Cities Could Help Lower Risk of Traffic-Related Collisions http://onlinemanuals.txdot.gov/TxDOTOnlineManuals/TxDOTManuals/rdw/freeways.htm https://store.transportation.org/item/collectiondetail/180 https://www.nytimes.com/2022/07/14/briefing/semiconductor-bill-congress-biden.html IBM Created a Chip the Size of a Fingernail That Holds 30 Billion Transistors Why Texas is Becoming America's Most Powerful State - YouTube Your ultimate guide to the I-35 expansion through Central Austin | KUT Radio, Austin's NPR Station i-35-capex-central-feis-public-comments-only.pdf (brightspotcdn.com) Why San Antonio is teaming with Austin to attract business to Texas (sanantonioreport.org) Will River Mill be Casey Development's legacy project? - San Antonio Business Journal (bizjournals.com) Economic Development Programs (texas.gov)

In this week’s episode of Retire in Texas, Darryl Lyons, CEO and Co-Founder of PAX Financial Group, dives into the topic of market volatility surrounding elections and how investors should approach this unique time. With historical insights and practical strategies, Darryl explores how election cycles affect the stock market and why it’s essential to stay calm amidst the noise.

Through an engaging discussion, Darryl highlights the importance of maintaining a long-term mindset and avoiding emotional decision-making during times of market uncertainty. He also shares four key pillars that can help guide investors through the volatility, offering a clear framework for navigating election-related market swings.

Key show highlights include:

How elections impact stock market volatility.
The importance of thinking like a business owner when investing.
Why objectivity over emotion is critical to long-term financial success.
Insights from past elections, including market movements in 2016 and 2020.
Practical tips for aligning expectations with your spouse and advisor to stay on the same page during market fluctuations.

Tune in to learn how to prepare your portfolio for the upcoming election and beyond. For more resources, visit www.paxfinancialgroup.com. If you enjoyed today’s episode, don’t forget to share it with a friend!

Disclaimer: Clicking the Like button does not constitute a testimonial for, recommendation or endorsement of our advisory firm, any associated person, or our services. Clicking the Like button is merely a mechanism to circulate our social media page. “Like” is not meant in the traditional sense. In addition, postings must refrain from recommending us or providing testimonials for our firm.

Resources:

Election Market Volatility in 4 Charts (moneyandmarkets.com)

Presidential Elections, Market Volatility and Investments - Retirement Daily on TheStreet: Finance and Retirement Advice, Analysis, and More

The Relationship Between Elections and Volatility - OpenMarkets (cmegroup.com)

2024 elections: policy shifts and portfolio construction views (nuveen.com)

In this week’s episode of Retire in Texas, Darryl Lyons, CEO and Co-Founder of PAX Financial Group, sits down with Justin Elliott, an Insurance Advisor at PAX, to explore the intricacies of Medicare and Social Security. Together, they dive into the evolving healthcare landscape and the critical decisions retirees face when it comes to Medicare Supplements and Medicare Advantage Plans.

Through clear explanations and real-world insights, Justin sheds light on the differences between these plans, how healthcare providers approach Medicare claims, and why the Social Security fund might be at greater risk than Medicare in the near future. The episode also emphasizes how PAX Financial stays ahead of these trends to better serve clients preparing for retirement.

Key show highlights include:

Understanding Medicare Supplements vs. Medicare Advantage Plans.
Why Social Security might face more immediate financial challenges than Medicare.
The impact of demographic shifts, with 10,000 people turning 65 every day, on the future of retirement services.
Practical tips for navigating Medicare decisions as a retiree or for aging parents.
Justin’s key takeaway: “Be prepared to navigate a system that’s constantly changing to ensure the best healthcare coverage.”

Tune in to learn how these changes could affect your retirement and what steps you can take to stay informed. For more resources, visit www.paxfinancialgroup.com. If you enjoyed today’s episode, don’t forget to share it with a friend!

Disclaimer: Clicking the Like button does not constitute a testimonial for, recommendation or endorsement of our advisory firm, any associated person, or our services. Clicking the Like button is merely a mechanism to circulate our social media page. “Like” is not meant in the traditional sense. In addition, postings must refrain from recommending us or providing testimonials for our firm.

In this week’s episode of Retire in Texas, Darryl Lyons, CEO and Co-Founder of PAX Financial Group, tackles the topic of BlackRock, the world’s largest asset manager, and its everchanging role in the financial world. Darryl shares insights into BlackRock’s influence on global markets, its relationship with government entities, and its controversial engagement with Environmental, Social, and Governance (ESG) initiatives.

Through candid storytelling, Darryl explains how BlackRock’s policies have impacted PAX Financial’s client portfolios and the broader investment community. The episode also touches on the importance of maintaining trust and transparency in financial partnerships, and how PAX Financial continues to engage with BlackRock while monitoring their evolving strategies.

Key show highlights include:

The role of BlackRock as a major asset manager and its relationship with global governments.
How ESG initiatives and climate-focused investing have impacted investors.
The story behind BlackRock's involvement in major events such as the 2008 financial crisis and the Covid-19 response.
The implications of BlackRock's voting rights on behalf of investors in major corporations.
A behind-the-scenes look at how PAX Financial engages with BlackRock for client portfolios.
Darryl’s key takeaway: "Trust but verify" when it comes to BlackRock's investment strategies.

Tune in to hear Darryl's perspective on BlackRock’s future and what it means for your investments. For more resources, visit www.paxfinancialgroup.com. If you enjoyed today’s episode, don’t forget to share it with a friend!

Disclaimer: Clicking the Like button does not constitute a testimonial for, recommendation or endorsement of our advisory firm, any associated person, or our services. Clicking the Like button is merely a mechanism to circulate our social media page. “Like” is not meant in the traditional sense. In addition, postings must refrain from recommending us or providing testimonials for our firm.

Resources:

Who owns Blackrock? | The Motley Fool

https://www.economist.com/briefing/2024/09/19/america-is-becoming-less-woke?utm_campaign=a.the-economist-today&utm_medium=email.internal-newsletter.np&utm_source=salesforce-marketing-cloud&utm_term=9/23/2024&utm_id=1926435

Blackrock's former sustainable investing chief says ESG is a dangerous placebo (cnbc.com)

2024 Investment Stewardship Voting Spotlight (blackrock.com)

In this week’s episode of Retire in Texas, Darryl Lyons, CEO and Co-Founder of PAX Financial Group, dives into the often misunderstood yet vital topic of the Federal Reserve and its profound influence on the economy and your investments. Darryl breaks down the complex functions of the Federal Reserve, from setting monetary policy to banking supervision, and explains how decisions made by the Fed impact everything from inflation to employment.

Through personal anecdotes, historical examples, and even a few dad jokes, Darryl demystifies the Fed's role in the market and answers key questions such as whether the Fed is truly independent from the presidency, and how its decisions affect your investment journey. Whether you're a seasoned investor or someone just beginning to explore the financial world, this episode provides a clear and engaging roadmap to better understand the central bank’s crucial influence.

Key show highlights include:

An introduction to the Federal Reserve and its key functions in the U.S. financial system.
The Fed’s dual mandate: controlling inflation and maximizing employment.
How the Fed’s interest rate decisions impact everyday investors and the broader economy.
Historical moments in the Fed’s history, from the Panic of 1907 to the 2008 financial crisis.
Insights into past and present Fed Chairs, including Alan Greenspan, Ben Bernanke, and Jerome Powell.
Practical takeaways on how understanding the Fed can help you make smarter, long-term investment decisions.

Tune in to learn how the Federal Reserve shapes your financial future and gain a better understanding of its influence on both the stock market and the economy. For more resources, visit www.paxfinancialgroup.com. If you enjoyed today’s episode, don’t forget to share it with a friend!

Disclaimer: Clicking the Like button does not constitute a testimonial for, recommendation or endorsement of our advisory firm, any associated person, or our services. Clicking the Like button is merely a mechanism to circulate our social media page. “Like” is not meant in the traditional sense. In addition, postings must refrain from recommending us or providing testimonials for our firm.

In this week's episode of Retire in Texas, Darryl Lyons, CEO and Co-Founder of PAX Financial Group, opens up about the powerful world of behavioral finance by sharing his own personal investment mistakes. Darryl discusses four key missteps he made throughout his financial journey, ranging from herd mentality to overconfidence, and how each error offers valuable lessons for investors.

Through these stories, Darryl emphasizes the importance of self-awareness and learning from mistakes, rather than being hindered by them. Whether you’re a seasoned investor or just starting out, Darryl’s insights provide a valuable roadmap for avoiding common behavioral traps.

Key show highlights include:

The concept of behavioral finance and its impact on investment decisions.
Personal stories of financial missteps, from herd mentality to overconfidence.
How mistakes in investment decisions can turn into invaluable learning experiences.
Cognitive biases to watch out for in your own financial journey.
Practical advice on how to avoid common pitfalls and make smarter, long-term investment decisions.

Tune in to learn how to recognize and correct these biases in your financial life, and gain insights into how these lessons can help you achieve a more secure financial future. For more resources, visit www.paxfinancialgroup.com. If you enjoyed today’s episode, share it with a friend!

Disclaimer: Clicking the Like button does not constitute a testimonial for, recommendation or endorsement of our advisory firm, any associated person, or our services. Clicking the Like button is merely a mechanism to circulate our social media page. “Like” is not meant in the traditional sense. In addition, postings must refrain from recommending us or providing testimonials for our firm.

In this week's episode of Retire in Texas, Darryl Lyons, CEO and Co-Founder of PAX Financial Group, dives into the fascinating world of alternative investments and their place in a balanced portfolio. From guns to sports cards and even wine, Darryl shares insights on why these assets gained popularity during the Covid era and how they fit into your financial strategy. Using a business lens, he examines key factors like liquidity, rate of return, and risk, while emphasizing the importance of keeping these investments within a reasonable portion of your overall wealth.

Key show highlights include:

A breakdown of alternative asset classes such as guns, sports cards, and wine.
How the political and economic landscape impacts the liquidity and value of these assets.
Insights into the rate of return, fraud risks, and storage considerations in alternative markets.
Practical advice on how to incorporate these assets into your financial plan without overexposing yourself to risk.
Why traditional investments remain essential and how to strike a balance between conventional and alternative assets.

Tune in to this episode to gain a better understanding of how alternative assets can play a role in your financial journey, without losing sight of your long-term goals. For more resources, visit www.paxfinancialgroup.com. If you enjoyed today’s episode, share it with a friend!

Disclaimer: Clicking the Like button does not constitute a testimonial for, recommendation or endorsement of our advisory firm, any associated person, or our services. Clicking the Like button is merely a mechanism to circulate our social media page. “Like” is not meant in the traditional sense. In addition, postings must refrain from recommending us or providing testimonials for our firm.

In this week's episode of Retire in Texas, Darryl Lyons, CEO and co-founder of PAX Financial Group, dives into the evolving concept of retirement, particularly for Generation X. Darryl challenges the traditional notion of retirement and explores the idea of pivoting rather than retiring, urging listeners to reconsider the inherent value of work. He discusses the unique financial challenges facing Gen Xers, from the 401(k) experiment to the changing landscape of Social Security, and emphasizes the importance of saving not just for retirement but for life's unexpected turns.

Key show highlights include:

The evolving definition of retirement and why "pivoting" might be a better approach.
A conversation about the unique financial challenges facing Generation X.
The connection between work, happiness, and personal well-being.
The importance of saving for unforeseen life events, rather than just traditional retirement.
A historical perspective on Social Security and its relevance to today's longevity trends.

Tune in for an insightful discussion that challenges the conventional narrative around retirement and offers practical advice for planning your financial future. If you like this episode, be sure to share with a friend or family member!

Disclaimer: Clicking the Like button does not constitute a testimonial for, recommendation or endorsement of our advisory firm, any associated person, or our services. Clicking the Like button is merely a mechanism to circulate our social media page. “Like” is not meant in the traditional sense. In addition, postings must refrain from recommending us or providing testimonials for our firm.

In this week's episode of Retire in Texas, Darryl Lyons, CEO and co-founder of PAX Financial Group, asks the profound question: "Where are you going with your life?" Using a blend of personal reflection and a structured framework, Darryl challenges listeners to take a step back and evaluate the direction of their careers, businesses, and overall life journey. Drawing inspiration from the life and leadership of Abraham Lincoln, Darryl introduces a powerful process for looking back, looking up, looking around, and looking ahead. He weaves in personal anecdotes, Lincoln's wisdom, and the importance of aligning one's life with a higher purpose.

Key show highlights include:

A thought-provoking approach to reassessing your life's direction and purpose.
Insights from Abraham Lincoln's leadership and how they apply to modern life challenges.
A simple yet effective framework for planning your future with intention and clarity.
The role of faith and values in guiding life decisions and financial planning.
Practical advice on aligning your financial goals with your long-term vision.

Tune in to this introspective episode filled with historical insights, personal stories, and actionable steps to help you navigate your life's journey with purpose and confidence. For more resources, visit www.paxfinancialgroup.com. If you enjoyed today’s episode, share it with a friend!

Disclaimer: Clicking the Like button does not constitute a testimonial for, recommendation or endorsement of our advisory firm, any associated person, or our services. Clicking the Like button is merely a mechanism to circulate our social media page. “Like” is not meant in the traditional sense. In addition, postings must refrain from recommending us or providing testimonials for our firm.

In this week's episode of Retire in Texas, Darryl Lyons, CEO and co-founder of PAX Financial Group, reflects on the unexpected chaos that unfolded on August 5th and its impact on the financial markets. Sharing a personal story from his recent trip, Darryl walks listeners through the challenges of managing market volatility and the relentless nature of news cycles. He discusses the importance of maintaining a clear perspective amidst media-induced panic and provides a detailed outlook for the fourth quarter of 2024, emphasizing historical trends and their relevance to today's market.

Key show highlights include:

*A firsthand account of navigating market panic while on vacation.

*Insights into the historically volatile nature of October and how to prepare for it.

*An analysis of the upcoming election and its potential impact on different sectors.

*The significance of diversification and stress-testing portfolios in uncertain times.

*Practical advice for long-term investors to stay grounded during market turbulence.

Tune in for an engaging episode filled with personal anecdotes, valuable market insights, and practical tips for staying the course in your financial journey. For more resources, visit www.paxfinancialgroup.com. If you enjoyed today’s episode, share it with a friend!

Disclaimer: Clicking the Like button does not constitute a testimonial for, recommendation or endorsement of our advisory firm, any associated person, or our services. Clicking the Like button is merely a mechanism to circulate our social media page. “Like” is not meant in the traditional sense. In addition, postings must refrain from recommending us or providing testimonials for our firm.

In this week's episode of Retire in Texas, Darryl Lyons, CEO and co-founder of PAX Financial Group, is joined by Bryan Wing, Financial Advisor and Advice Research Manager at PAX, to discuss the intricate landscape of investment strategies. They break down the importance of having a clear 'why' behind investment decisions and the role of behavioral finance in achieving financial goals. Bryan shares insights from his extensive research background and highlights both simple and complex investment strategies, including the growing market of alternative investments.

Key show highlights include:

*The significance of a strong 'why' in investment planning.

*An overview of simple investment strategies like passive index ETFs.

*An introduction to alternative investments and their benefits.

*Insights into Bryan's background and his role at PAX Financial Group.

*Personal anecdotes and a glimpse into Bryan's hobbies and family life.

Tune in to gain valuable insights and practical advice for navigating your financial journey. Don't forget to visit www.paxfinancialgroup.com for more resources and information.

Disclaimer: Clicking the Like button does not constitute a testimonial for, recommendation or endorsement of our advisory firm, any associated person, or our services. Clicking the Like button is merely a mechanism to circulate our social media page. “Like” is not meant in the traditional sense. In addition, postings must refrain from recommending us or providing testimonials for our firm.

“Retirement is not the end of the road. It’s the beginning of the open highway.” In this week’s episode of Retire in Texas, CEO and co-founder of PAX Financial Group, Darryl Lyons, explains the innovative concept of pivot planning. The goal, to provide a flexible framework that helps retirees transition smoothly into their next chapter without feeling like their life’s value has diminished.

Key show highlights include:

*An explanation on how pivot planning was born from collaborative efforts among PAX’s Certified Financial Planners™.

*Analysis of the five buckets of pivot planning, including comfortable cash, emergency funds, and legacy investments.

*A discussion on the principles of behavioral finance and how they are integrated into pivot planning for a more personalized approach.

*Understanding the importance of a cash flow worksheet and how it helps retirees maintain financial stability.

*Valuable insights into how retirees can better organize their finances to navigate the complexities of retirement.

Retirement should not be looked at as the end of something, but rather as an exciting new beginning. Tune into this week’s episode to learn how you can pivot into a new chapter of your life with confidence and ease. Be sure to share with a friend, family member, or coworker!

Disclaimer: Clicking the Like button does not constitute a testimonial for, recommendation or endorsement of our advisory firm, any associated person, or our services. Clicking the Like button is merely a mechanism to circulate our social media page. “Like” is not meant in the traditional sense. In addition, postings must refrain from recommending us or providing testimonials for our firm.

In this week’s episode of Retire in Texas, Darryl Lyons, CEO and Co-founder of PAX Financial Group, explains the pivotal role financial advisors play in helping clients navigate complex financial decisions. Highlighting real-life examples and personal insights, Darryl underscores the importance of having a trusted advisor as a thinking partner. Additionally, Darryl introduces his new podcast, The Dark Side of Finance, which will spotlight stories of financial crime and underscore the need for vigilance.

Key highlights include:

*How financial advisors assist with major life decisions, from evaluating job offers and insurance policies to planning for children's education and setting up wills and trusts.

*Why frequent check-ins with your financial advisor are crucial for staying on track with your financial goals.

*An exploration of the dynamics of trust between clients and financial advisors.

*A sneak peek into Darryl’s new podcast, which will explore the darker aspects of the financial world, highlighting stories of financial crime and deception. This new series aims to raise awareness and promote vigilance among listeners.

Tune in to this week’s episode to gain a deeper understanding of the value of a trusted financial advisor and how they can help you navigate financial challenges. If you enjoyed today’s episode, please leave a comment and share the show with a friend!

Disclaimer: Clicking the Like button does not constitute a testimonial for, recommendation or endorsement of our advisory firm, any associated person, or our services. Clicking the Like button is merely a mechanism to circulate our social media page. “Like” is not meant in the traditional sense. In addition, postings must refrain from recommending us or providing testimonials for our firm.

In this week’s episode of Retire in Texas, Darryl Lyons, CEO and co-founder of PAX Financial Group, dives into the significant work of Alliance Defending Freedom (ADF) in safeguarding religious freedoms across various spheres. Highlighting notable cases and personal stories, Darryl illustrates the challenges and triumphs of defending deeply held convictions in today's socio-political climate.

Key highlights include:

*The case of Jack Phillips and the legal battles faced by the Masterpiece Cakeshop owner.

*ADF’s role in ensuring medical professionals' rights are protected against mandates that violate their beliefs.

*The impact of ADF’s work on pregnancy care centers and their fight against censorship and vandalism.

*Real-life examples of parental rights being defended in school settings and the broader implications for families.

*Insights into how ADF supports individuals and organizations facing discrimination based on their religious beliefs.

Tune in to this week’s episode to gain a deeper understanding of the vital role of Alliance Defending Freedom in protecting free speech and religious liberties. If you enjoyed today’s episode, please leave a comment and share the show with a friend!

Disclaimer: Clicking the Like button does not constitute a testimonial for, recommendation or endorsement of our advisory firm, any associated person, or our services. Clicking the Like button is merely a mechanism to circulate our social media page. “Like” is not meant in the traditional sense. In addition, postings must refrain from recommending us or providing testimonials for our firm.

In this week’s episode of Retire in Texas, Darryl Lyons, CEO and co-founder of PAX Financial Group, discusses the complexities of cognitive dissonance and its impact on financial decisions. Drawing from recent experiences and a notable psychological experiment, Darryl examines how holding conflicting thoughts can lead to anxiety and poor decision-making, especially in investing.

Key highlights include:

*Insights from ringing the bell at the New York Stock Exchange and attending the Alliance Defending Freedom Conference.

*Understanding how social pressure can influence individual decisions, even against clear evidence.

*Analysis of recent inflation trends, the health of banks, and the performance of companies beyond the prominent "Magnificent Seven."

*Discussions on the implications of conflicts in Ukraine and Israel, and the potential impact on the markets.

*Observations on how political developments, including the upcoming election, might affect investor sentiment and market behavior.

Tune in to this week’s episode to gain valuable perspectives on navigating today's financial environment and visit PAXFinancialGroup.com for more resources. If you enjoyed today’s episode, make sure to leave a comment and share the show with a friend!

Disclaimer: Clicking the Like button does not constitute a testimonial for, recommendation or endorsement of our advisory firm, any associated person, or our services. Clicking the Like button is merely a mechanism to circulate our social media page. “Like” is not meant in the traditional sense. In addition, postings must refrain from recommending us or providing testimonials for our firm.

In this weeks’ episode of Retire in Texas, Darryl Lyons, CEO and co-founder of PAX Financial Group, breaks down the psychology of poverty and the mindset that perpetuates it. Reflecting on personal experiences and observations, Darryl explores the habits and beliefs that distinguish a poor mindset from a wealthy one, regardless of actual financial status.

Key highlights include:

*Darryl’s personal anecdotes on the mental fog of financial struggle and its impact on decision-making.

*A comprehensive list of 20 thoughts and behaviors that characterize a poor mindset.

*Insightful discussions on the victim mentality, distrust of professionals, and the reluctance to seek help.

*The significance of loving one's work, avoiding negative influences, and maintaining a positive reputation.

*Practical advice on shifting from a scarcity mentality to an abundance mindset, and the importance of investing and long-term thinking.

Darryl's candid insights aim to help listeners identify and change the poor mindset, fostering better financial habits and outcomes. Tune in to gain a deeper understanding of how your thoughts influence your financial health, and visit PAXFinancialGroup.com for more resources.

If you enjoyed today’s episode, make sure to leave a comment and share the show with a friend!

Disclaimer: Clicking the Like button does not constitute a testimonial for, recommendation or endorsement of our advisory firm, any associated person, or our services. Clicking the Like button is merely a mechanism to circulate our social media page. “Like” is not meant in the traditional sense. In addition, postings must refrain from recommending us or providing testimonials for our firm.

Have you ever wondered how your beliefs shape your financial decisions?

In this week’s episode of Retire in Texas, Darryl Lyons, CEO and co-founder of PAX Financial Group, explains the philosophy of Biblical Responsible Investing and its impact on financial decision-making. Drawing on personal convictions and Biblical principles, Darryl explores the deep connection between one's view of God and their approach to money.

Key highlights include:

*Exploring the three attitudes towards God: God is nothing, God is something, and God is everything.

*Understanding how these attitudes influence financial decisions and priorities.

*Insightful analogies and personal anecdotes to illustrate the relationship between faith and finance.

*In-depth discussion on the moral and philosophical implications of prioritizing money over spiritual values.

*Practical advice on integrating faith-based principles into financial planning and investment strategies.

Darryl’s thought-provoking insights aim to challenge conventional thinking and inspire listeners to re-evaluate their financial priorities through a faith-based lens. Tune in to gain a deeper understanding of how your beliefs can shape your financial future, and visit PAXFinancialGroup.com for additional resources, including our free eBooks.

If you enjoyed today’s episode, make sure to leave a comment and share the show with a friend!

Disclaimer: Clicking the Like button does not constitute a testimonial for, recommendation or endorsement of our advisory firm, any associated person, or our services. Clicking the Like button is merely a mechanism to circulate our social media page. “Like” is not meant in the traditional sense. In addition, postings must refrain from recommending us or providing testimonials for our firm.

In this week’s episode of Retire in Texas, Darryl Lyons, CEO and co-founder of PAX Financial Group, breaks down a number of strategies to get your investment portfolio unstuck. Drawing inspiration from the challenges of navigating quicksand, Darryl applies these survival tactics to managing your investments.

Key highlights include:

*Understanding the importance of remaining calm and avoiding hasty decisions.

*Practical steps to reduce financial burden and improve portfolio performance.

*Analogies between quicksand dynamics and financial strategies for asset recovery.

*Detailed advice from a survival guide to inform investment decisions.

*How to methodically and safely transition to more promising investment areas.

Darryl’s insights aim to empower you to handle investment setbacks with strategic foresight. Tune in to unlock the secrets of maintaining control over your financial future, and visit PAXFinancialGroup.com for additional resources, including our free eBooks.

If you enjoyed today’s episode, make sure to leave a comment and share the show with a friend!

Disclaimer: Clicking the Like button does not constitute a testimonial for, recommendation or endorsement of our advisory firm, any associated person, or our services. Clicking the Like button is merely a mechanism to circulate our social media page. “Like” is not meant in the traditional sense. In addition, postings must refrain from recommending us or providing testimonials for our firm.

In this week's episode of Retire in Texas, Darryl Lyons, CEO and co-founder of PAX Financial Group, dives into the effects of news consumption on our mental and financial health. Through insightful analysis and personal experiences, Darryl challenges listeners to reconsider their relationship with news and social media.

Today’s show highlights include:

*The dangers of over-consuming news and social media, comparing them to addictive substances.

*The concept of "information vs. wisdom" and how our society suffers more from a lack of wisdom than a lack of information.

*Key insights from Rolf Dobelli, who shares 15 reasons why news is dangerous and offers practical advice on how to detox from it.

*The impact of news on cognitive errors, concentration, and overall well-being.

*Tips for reducing news consumption and focusing on more meaningful and productive activities.

Tune in to learn how cutting down on news and social media can lead to a more focused, less anxious, and more fulfilling life. If you enjoyed today’s episode, make sure to leave a comment and share the show with a friend!

Disclaimer: Clicking the Like button does not constitute a testimonial for, recommendation or endorsement of our advisory firm, any associated person, or our services. Clicking the Like button is merely a mechanism to circulate our social media page. “Like” is not meant in the traditional sense. In addition, postings must refrain from recommending us or providing testimonials for our firm.

In this week’s episode of Retire in Texas, Darryl Lyons, CEO and co-founder of PAX Financial Group, dives deep into the essential tools and strategies for successful retirement planning with guest Jacob Campbell, a Certified Financial Planner™ at PAX. Join Darryl and Jacob as they explore the quantitative and qualitative aspects of financial planning, ensuring you're well-prepared for your future.

Today’s show highlights include:

Jacob shares his experience with the rigorous CFP® exam, highlighting the dedication required to achieve this prestigious certification.
Why "pivoting" is a more accurate term than "retirement," and the importance of having a purpose beyond leaving the workforce.
Discover how tools like Honest Conversations and MoneyMind help align financial plans with personal values and priorities.
An in-depth look at Money Guide Pro, its features like the Play Zone, and the importance of accurate data inputs and Monte Carlo simulations in forecasting retirement success.
Jacob's perspective on measuring success in retirement and the freedom to make choices that align with personal goals and values.

If you enjoyed today’s episode, make sure to leave a comment and share the show with a friend!

Disclaimer: Clicking the Like button does not constitute a testimonial for, recommendation or endorsement of our advisory firm, any associated person, or our services. Clicking the Like button is merely a mechanism to circulate our social media page. “Like” is not meant in the traditional sense. In addition, postings must refrain from recommending us or providing testimonials for our firm.

Shareholder activism is having an increasingly growing influence on how corporations make decisions. This trend is largely fueled by the rise of shareholder proxy voting, a process where investors can cast ballots on important company issues. Activist groups are strategically using proxy voting to push for changes in corporate behavior, from environmental practices to social stances. This week’s episode of Retire in Texas episode dives into how these efforts are playing out in the real world, exploring how companies like Costco and JPMorgan Chase are facing pressure from activist shareholders.

Today’s show highlights include:

*The rise of shareholder proxy voting and how activist groups are using it to push their agendas.

*Examples of companies facing pressure from activist groups, including Costco and JPMorgan Chase.

*How BlackRock's voting priorities have shifted in recent years, with a move away from climate change being the sole focus.

*The importance of partnering with asset managers who share your values and can advocate for your interests at the corporate level.

If you enjoyed today’s episode, make sure to leave a comment and share the show with a friend!

Disclaimer: Clicking the Like button does not constitute a testimonial for, recommendation or endorsement of our advisory firm, any associated person, or our services. Clicking the Like button is merely a mechanism to circulate our social media page. “Like” is not meant in the traditional sense. In addition, postings must refrain from recommending us or providing testimonials for our firm.

In this week's episode of Retire in Texas, Darryl Lyons, CEO and co-founder of PAX Financial Group, explores the transformative power of excellence in achieving financial success. Through engaging stories and practical insights, Darryl emphasizes the importance of pursuing excellence in all aspects of life, whether in your career, business, or personal endeavors.

Today’s show highlights include:

*Why striving for excellence is crucial for achieving financial goals and personal growth.

*Understanding how excellence is like maintaining different rooms in a house, with some areas requiring more attention and effort than others.

*An exploration of the spiritual dimensions of excellence, drawing from biblical references such as Ecclesiastes and the parable of the talents, and how the pursuit of excellence can be a way to honor and glorify God.

*How excellence can elevate entire organizations and communities, and why complacency can have detrimental effects.

*A breakdown of how a commitment to excellence helps you weather life's storms and maintain resilience.

Tune in to gain valuable insights and practical advice on how to pursue excellence in every aspect of your life. If you enjoyed today’s episode, make sure to leave a comment and share the show with a friend!

Disclaimer: Clicking the Like button does not constitute a testimonial for, recommendation or endorsement of our advisory firm, any associated person, or our services. Clicking the Like button is merely a mechanism to circulate our social media page. “Like” is not meant in the traditional sense. In addition, postings must refrain from recommending us or providing testimonials for our firm.

Owning companies is a powerful strategy for wealth accumulation, offering opportunities beyond traditional investments.

In this week’s episode of Retire in Texas, Darryl Lyons, CEO and co-founder of PAX Financial Group, explores the concept of investing as a means to own businesses, emphasizing how this approach can generate long-term financial growth.

Show highlights include:

*Exploring why owning a business is considered the best way to accumulate wealth, supported by evidence and examples.

*Differentiating between passive and active real estate ownership, and their impacts on wealth-building.

*Understanding the connection between investing in stocks and owning companies, highlighting the tangible benefits.

*Real-world examples of innovative companies, such as Align Technology and Fortinet, and their contributions to the investment landscape.

*Examining the potential of companies like Garmin in the fitness industry, especially with the rise of obesity drugs and health trends.

If you enjoyed today’s episode, make sure to leave a comment and share the show with a friend!

Disclaimer: Clicking the Like button does not constitute a testimonial for, recommendation or endorsement of our advisory firm, any associated person, or our services. Clicking the Like button is merely a mechanism to circulate our social media page. “Like” is not meant in the traditional sense. In addition, postings must refrain from recommending us or providing testimonials for our firm.

In today's episode of Retire in Texas, Darryl Lyons, CEO and Co-Founder of PAX Financial Group, shares a compelling discussion centered around the unique challenges faced by business owners when it comes to exit planning. Darryl and guest Jon FitzSimon, the 401(k) Coordinator at PAX, delve into the intricacies of retirement planning for business owners and the critical role of 401(k) plans in diversifying assets beyond the business.

Listeners will gain valuable insights into PAX's Business Pivot Planning service—a five-step process designed to assist business owners in preparing for successful business exits or transitions. The episode explores strategic planning, readiness assessment, business valuation, contingency planning, and life-after-business considerations.

Today’s show highlights include:

*Understanding the significance of 401(k) plans for both employees and business owners.

*Insights into the challenges and rewards of entrepreneurship shared by Jon FitzSimon, drawing from personal experiences.

*Detailed explanation of PAX's Business Pivot Planning service and its role in facilitating smooth business transitions.

*Anecdotes and stories that underscore the importance of holistic retirement planning beyond financial aspects.

If you enjoyed today’s episode, be sure to comment and share it with a friend!

Disclaimer: Clicking the Like button does not constitute a testimonial for, recommendation or endorsement of our advisory firm, any associated person, or our services. Clicking the Like button is merely a mechanism to circulate our social media page. “Like” is not meant in the traditional sense. In addition, postings must refrain from recommending us or providing testimonials for our firm.

Financial crime, exemplified by Caz Craffy's deceitful actions, remains a prevalent threat within the financial counseling system, highlighting the importance of vigilance and skepticism.

In today's episode of Retire in Texas, PAX Financial Group CEO and Co-Founder, Darryl Lyons, delves into a poignant account of financial crime affecting military families. He shines a light on the story of Natasha Bovard, a widow grappling with the aftermath of her husband's tragic passing. Darryl discusses the critical support provided by the Department of Veterans Affairs to families of fallen soldiers and reveals how this system was exploited by unscrupulous individuals like Caz Craffy. Listeners will gain insights into the specific violations committed by Caz Craffy, who misrepresented his role and misled vulnerable clients, specifically Gold Star Families, for personal gain.

Today’s show highlights include:

*An introduction of Natasha Bovard, who’s the widow of a US soldier, and the challenges she faced post-military life.

*Details about the financial assistance provided to families of fallen soldiers by the Department of Veterans Affairs.

*Insights into Gold Star Families and the exploitation of financial counseling services by Caz Craffy.

*A description of Caz Craffy's fraudulent actions, setting up a separate investment firm to deceive clients into unauthorized investments..

*Lessons learned emphasizing the importance of vigilance and due diligence when engaging with financial advisors.

If you enjoyed today’s episode, be sure to comment and share it with a friend!

Disclaimer: Clicking the Like button does not constitute a testimonial for, recommendation or endorsement of our advisory firm, any associated person, or our services. Clicking the Like button is merely a mechanism to circulate our social media page. “Like” is not meant in the traditional sense. In addition, postings must refrain from recommending us or providing testimonials for our firm.

Roth IRA conversions can provide significant tax benefits by allowing tax-free growth and withdrawals, making them a crucial strategy for long-term financial planning and legacy wealth transfer.

In this week's special episode of Retire in Texas, PAX Co-Founders Darryl Lyons and Joseph Schuetze dive into the critical topic of Roth IRA conversions. They discuss the benefits of tax-free growth and withdrawals with Roth IRAs compared to traditional IRAs, highlighting the importance of strategic planning for retirement. Learn why Roth conversions are advantageous, the optimal timing for conversions, and how financial advisors and CPAs collaborate to maximize tax efficiency.

Show highlights include:

*A breakdown of Roth IRAs vs. Traditional RIAs, citing advantages and disadvantages of both.

*Why CPAs play a crucial role in validating tax strategies for Roth conversions, ensuring comprehensive tax planning.

*The ideal time for a Roth Conversion is right now, taking advantage of tax-free growth; and other opportune times include market downturns or lower tax brackets.

*Why Roth conversions are generally advantageous for most clients (around 90%), promoting long-term financial planning and tax efficiency.

If you enjoyed today’s episode, make sure to leave a comment and share the show with a friend!

Disclaimer: Clicking the Like button does not constitute a testimonial for, recommendation or endorsement of our advisory firm, any associated person, or our services. Clicking the Like button is merely a mechanism to circulate our social media page. “Like” is not meant in the traditional sense. In addition, postings must refrain from recommending us or providing testimonials for our firm.

The impact that inflation is having on consumer costs can’t be overstated, and it is affecting the daily lives of Americans everywhere.

In today's episode of Retire in Texas, PAX Financial Group CEO and Co-Founder, Darryl Lyons, explores the intricacies of the current economic landscape, providing valuable insights on navigating investment strategies amidst rising inflation and market uncertainties. He discusses the importance of diversification, analyzes the performance of stocks, bonds, and cash, and introduces the concept of a "core-satellite portfolio" for optimizing risk and opportunity in today's dynamic market environment.

Today’s show highlights include:

*Why the economy in early 2024 was focused on inflation, influenced by rising costs such as auto insurance and repairs.

*The current trend of rising prices leading to automation, as seen with McDonald's introducing fully automated restaurants to combat labor costs.

*Why bonds were expected to perform well due to lower interest rates, but how the Federal Reserve's delay ended up impacting returns negatively.

*A breakdown of the "core-satellite portfolio" strategy.

If you enjoyed today’s episode, be sure to comment and share it with a friend!

Disclaimer: Clicking the Like button does not constitute a testimonial for, recommendation or endorsement of our advisory firm, any associated person, or our services. Clicking the Like button is merely a mechanism to circulate our social media page. “Like” is not meant in the traditional sense. In addition, postings must refrain from recommending us or providing testimonials for our firm.

Costco sold out of gold quickly after offering it for sale at $1,900, surprising many with the demand for this traditionally valuable asset.

In this week's episode of Retire in Texas, Darryl Lyons delves into the unexpected surge of interest in gold sparked by Costco's foray into selling the precious metal, while also exploring the contentious debate surrounding the potential introduction of a government-backed digital dollar.

Show highlights include:

*A breakdown of gold's recent surge in value and why it is attributed to inflation hedging and fear in the market, with concerns about potential shifts in the US economic and political systems.

Why advocates for the digital dollar argue it would reduce fees, facilitate faster disaster relief, eliminate the need for physical cash, provide access to currency for the unbanked, and align with global trends.

*The doubts that many have about the government passing fee savings to consumers, concerns over quick fund access leading to quick withdrawals, and skepticism towards the necessity of eliminating cash entirely,

*Concerns about the potential negative impact of a digital dollar on the monetary system.

If you enjoyed today’s episode, be sure to leave a comment and share the show with a friend!

Disclaimer: Clicking the Like button does not constitute a testimonial for, recommendation or endorsement of our advisory firm, any associated person, or our services. Clicking the Like button is merely a mechanism to circulate our social media page. “Like” is not meant in the traditional sense. In addition, postings must refrain from recommending us or providing testimonials for our firm.

Grocery prices have increased by 25% over the past four years, impacting families everywhere who are facing significant challenges in managing their monthly expenses

In this week’s episode of Retire in Texas, Darryl Lyons dives deep into the complexities of inflation and its profound impact on households today. Gain valuable insights and practical strategies to navigate rising costs and safeguard your financial future in an evolving economic landscape.

Show highlights include:

*A discussion of the real impact of inflation on everyday life.

*A breakdown of inflation from past causes to present effects and future considerations.

*An explanation of government metrics like CPI (Consumer Price Index) and PCE (Personal Consumption Expenditures) used to measure inflation and why food and energy are sometimes excluded from these indices.

*Advice tailored to various groups affected by inflation, including those on fixed incomes, individuals with some financial flexibility, and retirees.

*Why owning stocks can be a strategy to mitigate inflation's impact, as companies can adjust prices to maintain profit margins.

If you enjoyed today’s episode, leave a comment and share the show with a friend!

Disclaimer: Clicking the Like button does not constitute a testimonial for, recommendation or endorsement of our advisory firm, any associated person, or our services. Clicking the Like button is merely a mechanism to circulate our social media page. “Like” is not meant in the traditional sense. In addition, postings must refrain from recommending us or providing testimonials for our firm.

Saving money doesn’t have to be difficult. If you find yourself in need of tips and tricks for budgeting and growing your personal savings, in an easy and cost-effective way, then we’ve got the perfect episode for you!

In this episode of Retire in Texas, Darry Lyons explores the practical realm of personal finance, stepping away from market-centric discussions to focus on tangible strategies that can be incorporated into everyday life.

Show highlights include:

*Darryl Lyons’ recount of the personal financial struggles he faced living beyond his means, accumulating debt, and relying on credit cards.

*A breakdown of the Envelope System, and how it aided him and his family with personal budgeting, including debt reduction and disciplined spending

A description of the budgeting system, Monarch Money, and its features, including user interface, pricing, and functionality

*The importance of monitoring one’s net worth as a standard part of the financial process to ensure comprehensive oversight.

An explanation of how the integration of other budgeting apps, such as Plaid, can simplify the process of gathering financial data seamlessly across accounts.

If you enjoyed today’s episode and know someone who would benefit from this information, be sure to leave a comment and hit share!

Disclaimer: Clicking the Like button does not constitute a testimonial for, recommendation or endorsement of our advisory firm, any associated person, or our services. Clicking the Like button is merely a mechanism to circulate our social media page. “Like” is not meant in the traditional sense. In addition, postings must refrain from recommending us or providing testimonials for our firm.

Despite record highs in major stock market indices and decreasing unemployment rates, many Americans express dissatisfaction and unhappiness, suggesting a disconnect between economic indicators and societal well-being.

In this week’s episode of Retire in Texas, Darryl Lyons breaks down the crucial topic of financial planning amid the backdrop of societal discontent and economic prosperity. He navigates the complexities of navigating personal finances in a world where perceptions often diverge from economic realities.

Show highlights include:

*Why, despite economic prosperity, many Americans express dissatisfaction and unhappiness, similar to sentiments observed during deep recessions.

*A breakdown of the data indicating that both the stock market and the economy are performing well.

*A look into a recent University of Michigan consumer sentiment survey that indicated that people feel as though they are in a deep recession despite economic indicators suggesting otherwise

*Why many individuals feel they are not receiving a fair shake, whether in their occupations or in broader societal structures.

If you enjoyed today’s episode, leave a comment and share the show with a friend!

Disclaimer: Clicking the Like button does not constitute a testimonial for, recommendation or endorsement of our advisory firm, any associated person, or our services. Clicking the Like button is merely a mechanism to circulate our social media page. “Like” is not meant in the traditional sense. In addition, postings must refrain from recommending us or providing testimonials for our firm.

Ronald Reagan said it best, trust but verify.

In this week’s special edition of Retire in Texas, Darryl Lyons dives into the world of financial crime, breaking down the story of Tim Duncan's unfortunate encounter with deceit and manipulation in the realm of wealth management. Through a detailed recounting of Duncan's experience, Lyons sheds light on the tactics employed by fraudsters like Charles Banks IIII, emphasizing the importance of vigilance and due diligence in safeguarding one's financial well-being.

Show highlights include:

*The story of Tim Duncan, an NBA Hall of Famer, and how he was a victim of financial crime orchestrated by Charles Banks IV, whom he befriended early in life.

*Why vigilance is crucial, and how seeking assistance from trusted advisors like PAX Financial Group can provide added security against financial fraud.

*An explanation of the three attributes of trust: empathy, transparency, and consistency.

*The importance of skepticism in financial relationships, along with the necessity of verifying investment legitimacy.

If you enjoyed today’s special edition episode of Retire in Texas, leave a comment and share the show with a friend!

Disclaimer: Clicking the Like button does not constitute a testimonial for, recommendation or endorsement of our advisory firm, any associated person, or our services. Clicking the Like button is merely a mechanism to circulate our social media page. “Like” is not meant in the traditional sense. In addition, postings must refrain from recommending us or providing testimonials for our firm.

For those looking to optimize their long-term wealth preservation and succession planning, strategic Roth conversions may be the answer you are searching for.

In this week’s episode of Retire in Texas, Darryl Lyons is joined by PAX’s very own advisor, Roger Stukkie. Together, the duo provides valuable insights into Roth conversions, expanding on the potential benefits, risks, and strategic considerations, while also expressing the importance of seeking individualized financial advice.

Show highlights include:

*A discussion of the concept of Roth conversions and how they differ from traditional IRAs in terms of taxation.

*The potential benefits and risks associated with Roth conversions.

*A breakdown of a case study illustrating the strategic planning involved in Roth conversions.

*An explanation of why Roth conversions may not be suitable for everyone.

If you enjoyed today’s episode, leave a comment, and share the show with a friend!

Disclaimer: Clicking the Like button does not constitute a testimonial for, recommendation or endorsement of our advisory firm, any associated person, or our services. Clicking the Like button is merely a mechanism to circulate our social media page. “Like” is not meant in the traditional sense. In addition, postings must refrain from recommending us or providing testimonials for our firm.

If you're someone who's hesitant to invest due to fear of market volatility and often find yourself hoarding your money under your mattress, then this episode is tailor-made for you.

In this week’s episode of Retire in Texas, Darryl Lyons delves into the world of structured products, offering a comprehensive overview of their potential benefits and considerations for investors seeking a middle ground between traditional investments and safer options.

Show highlights include:

*Why many investors are apprehensive with the current state of the market, and why structured products may be the ideal solution for those who feel this way.

*A breakdown of what a structured product is, and how it can be a useful alternative investment tool if utilized correctly.

*An outline of five key points about structured products, including their construction by banks or institutions, their returns based on the performance of underlying assets, and their varied terms and features.

*The importance of understanding the risks and fees associated with structured products, including the potential for limited liquidity, varying costs, and the importance of working with reputable financial institutions.

If you enjoyed today’s episode, leave a comment and share the show with a friend!

Disclaimer: Clicking the Like button does not constitute a testimonial for, recommendation or endorsement of our advisory firm, any associated person, or our services. Clicking the Like button is merely a mechanism to circulate our social media page. “Like” is not meant in the traditional sense. In addition, postings must refrain from recommending us or providing testimonials for our firm.

Finding the delicate balance between passive oversight and active involvement in personal financial management is a crucial challenge that everyone has to learn to overcome.

In today's episode of Retire in Texas, Darryl Lyons, CEO and Co-Founder of PAX Financial Group, discusses the importance of finding the perfect mix of being "lazy" with being proactive in financial planning.

Today’s show highlights include:

*Why we see many individuals struggle with the overwhelming options and complexity of personal financial planning.

*The concept of behavioral traps, which some investors fall into such as inertia, overtrading, or overconfidence, can then lead to poor financial performance.

*Simplifying personal finance by being "lazy" (not obsessing over every investment trend) as beneficial for many individuals. However, this doesn't mean disengaging entirely from financial planning.

*Why regular checkups with a financial advisor are crucial for adapting to changes in taxes, life circumstances, product offerings, and market conditions.

If you enjoyed today’s episode, make sure to comment and share it with a friend!

Disclaimer: Clicking the Like button does not constitute a testimonial for, recommendation or endorsement of our advisory firm, any associated person, or our services. Clicking the Like button is merely a mechanism to circulate our social media page. “Like” is not meant in the traditional sense. In addition, postings must refrain from recommending us or providing testimonials for our firm.

With the 2024 presidential election right around the corner, the significance of focusing on what one can control amid external uncertainties can’t be stressed enough.

In today's episode of Retire in Texas, PAX Financial Group CEO and Co-Founder, Darryl Lyons, shares insights on navigating financial decisions and life goals through a series of thought-provoking questions. He explores the importance of questioning, drawing inspiration from biblical teachings, and encourages listeners to engage in self-reflection regarding their financial priorities.

Today’s show highlights include:

*A breakdown of the 3 essential financial questions that everyone needs to be aware of.

Why you need to consider your ultimate objectives regarding wealth and retirement, emphasizing purpose and significance beyond mere accumulation.
The importance of asking questions rather than seeking immediate answers, particularly regarding financial matters.
A reflection on the evolution of retirement as a concept in direct correlation to increased prosperity and longevity

If you enjoyed today’s episode, make sure to comment and share it with a friend!

Disclaimer: Clicking the Like button does not constitute a testimonial for, recommendation or endorsement of our advisory firm, any associated person, or our services. Clicking the Like button is merely a mechanism to circulate our social media page. “Like” is not meant in the traditional sense. In addition, postings must refrain from recommending us or providing testimonials for our firm.

With the 2024 Presidential election just around the corner, it is more important than ever to equip ourselves with the knowledge and mindset necessary to weather market volatility and make informed financial decisions.

In today's episode of Retire in Texas, PAX Financial Group CEO and Co-Founder, Darryl Lyons, breaks down everything you need to be aware of with regards to the upcoming election, and its potential impact on your finances. By understanding the implications of political events on the economy and markets, staying focused on long-term goals, and avoiding emotional reactions to short-term fluctuations, investors can navigate uncertain times with confidence and resilience.

Today’s show highlights include:

*An outline of key dates in the election process, including primaries, debates, and Election Day, to help you stay informed and prepared.

*A discussion of potential outcomes of the elections, including various combinations of party control in the presidency, House, and Senate, and how these scenarios may impact markets.

*Addressing top economic and non-economic issues identified in a recent Gallup poll, focusing on the federal budget and debt, and the different approaches of Democrats and Republicans regarding taxation and spending.

*Despite political volatility, why confidence in the long-term resilience of the stock market should be considered.

If you enjoyed today’s episode, make sure to comment and share it with a friend or family member!

Disclaimer: Clicking the Like button does not constitute a testimonial for, recommendation or endorsement of our advisory firm, any associated person, or our services. Clicking the Like button is merely a mechanism to circulate our social media page. “Like” is not meant in the traditional sense. In addition, postings must refrain from recommending us or providing testimonials for our firm.

As the 2024 Presidential election approaches, it's crucial for Americans to discern what truly matters to them in order to make informed voting decisions.

In today's episode of Retire in Texas, PAX Financial Group CEO and Co-Founder, Darryl Lyons, dives into the intricate world of financial planning amidst the political landscape. With a focus on key issues like taxes, Social Security, and healthcare, he navigates the complexities of how proposed policies may impact personal finances.

Show highlights include:

*A discussion of the concept of "fair share" in taxes and how it's often framed in political discourse.

*A breakdown of the historical debate over the size and role of government in the United States and how taxation ties into this debate.

*Four subplots in the upcoming election that may not be decisive factors in voting decisions but are still important for personal financial planning.

*Why, specifically now, it is important that you stay informed on proposed policy changes and their potential impact on personal finances.

If you enjoyed today’s episode, be sure to comment and share it with a friend!

Disclaimer: Clicking the Like button does not constitute a testimonial for, recommendation or endorsement of our advisory firm, any associated person, or our services. Clicking the Like button is merely a mechanism to circulate our social media page. “Like” is not meant in the traditional sense. In addition, postings must refrain from recommending us or providing testimonials for our firm.

For 2024, estates exceeding $13,610,000 (or $26 million for married couples) may be subject to estate taxes, making strategic planning essential for wealth preservation, and this number could be even higher in 2025.

In today's episode of Retire in Texas, PAX Financial Group CEO and Co-Founder, Darryl Lyons, dives deep into the intricate world of inheritance and legacy planning, shedding light on key tax considerations that can significantly impact your estate and the wealth you pass on to the next generation.

Some of today’s show highlights include:

*A breakdown of the immense tax benefits of living in a Community Property State.

*Why it's vital to differentiate between ordinary income and capital gains in inheritance.

*Understanding the key differences between estate taxes and income taxes.

*The valuable tax provision that is Step-Up in Basis.

If you enjoyed today’s episode, make sure to comment and share it with a friend!

Did you know that Christians collectively hold a substantial 55% share of the world's entire wealth.?

In today’s episode of "Retire in Texas," Darryl Lyons introduces his upcoming book, “Biblical Responsible Investing” which explores the unique motivations driving Christian financial thinking.

Throughout the podcast, Darryl provides an in-depth overview of the book's chapters, covering topics from political motivations to multi-generational wealth transfer. With endorsements from industry figures, the episode offers a glimpse into a distinct approach to financial decision-making rooted in faith.

Some of today’s show highlights include:

A high-level overview of each chapter in Darryl’s book, “Biblical Responsible Investing”.

*Darryl’s personal connection to the book, which originated during the COVID period when he decided to pursue law school online at Texas A&M.

*An exploration of the different motivations and ways Christians think about money, referencing the vast number of scriptures about money and the significant wealth held by Christian communities.

*Why it is crucial to disconnect the idea that all Christians align with a particular political ideology.

If you enjoyed today’s episode, make sure to share it with your friends and family!

Disclaimer: Clicking the Like button does not constitute a testimonial for, recommendation or endorsement of our advisory firm, any associated person, or our services. Clicking the Like button is merely a mechanism to circulate our social media page. “Like” is not meant in the traditional sense. In addition, postings must refrain from recommending us or providing testimonials for our firm.

While the focus of financial services often gravitates towards investment strategies and market forecasts, the essence of fostering trust through open communication, integrity, and making a positive difference in the community plays a pivotal role.

This episode sheds light on how PAX Financial Group not only acknowledges but prioritizes these fundamental values, offering a unique perspective on the often-overlooked dimensions that shape a truly impactful financial service experience.

In today’s episode of Retire in Texas, Darryl Lyons offers a detailed glimpse into the inner workings and recent developments within PAX Financial Group.

Some of today’s show highlights include:

*An exploration of the coaching triad concept involving mentoring, cheerleading, and advising, stressing the significance of coaching skills for advisors.

*A breakdown of some of the PAX investment process, including the addition of faith-based solutions, municipal bonds, and structured notes to hedge market risks.

*A discussion of changes in PAX’s team structure, including the addition of new members and shifts in roles.

*A highlight of the PAX Impact initiative, which has contributed over $1 million to nonprofits in the community.

If you enjoyed today’s episode, be sure to share it with your friends and family!

Disclaimer: Clicking the Like button does not constitute a testimonial for, recommendation or endorsement of our advisory firm, any associated person, or our services. Clicking the Like button is merely a mechanism to circulate our social media page. “Like” is not meant in the traditional sense. In addition, postings must refrain from recommending us or providing testimonials for our firm.

Just as businesses have target markets, financial thieves also target specific groups, which emphasizes the need for heightened awareness in safeguarding against evolving threats.

In today’s episode of Retire in Texas, Darryl Lyons dives deep into the existence of evil and its impact on financial strategies, addressing theft, the killing of joy through anxiety, and the attempt to destroy the religious fabric in today’s financial ecosystem.

Some of today’s show highlights include:

*Why certain groups, such as the boomer generation and Christians, are specifically targeted by financial thieves.

*An explanation of Darryl’s belief in the existence of evil, drawing from both theological and experiential perspectives, and a connection to the idea that acknowledging evil implies a belief in good and, consequently, a creator.

*A breakdown of various forms of theft, from traditional scams to more sophisticated ones, further emphasizing the need for increased awareness due to the rising use of artificial intelligence in financial scams.

*Why it is crucial to reevaluate your giving strategies, given the connection between generosity and happiness, both biblically and scientifically.

If you enjoyed today’s episode, make sure to share it with your friends and family!

Disclaimer: Clicking the Like button does not constitute a testimonial for, recommendation or endorsement of our advisory firm, any associated person, or our services. Clicking the Like button is merely a mechanism to circulate our social media page. “Like” is not meant in the traditional sense. In addition, postings must refrain from recommending us or providing testimonials for our firm.

In today’s insightful episode of Retire in Texas, Darryl Lyons takes listeners on a comprehensive journey through his top ten convictions for 2024. The episode serves as a beacon for informed decision-making, urging listeners to engage with their advisors and navigate the complexities of the upcoming year with confidence, foresight, and a nuanced understanding of the diverse factors shaping our financial future.

Recognizing the importance of planning over predicting, these considerations aim to assist in preparing both your financial and emotional resilience as we step into the unfolding landscape of 2024, urging you to stay ahead of potential challenges and surprises.

Some of today’s show highlights include:

*An in-depth breakdown of Darryl’s top 10 Convictions for 2024.

*With shifts in tax brackets, a strategic consideration is placed on Roth conversions for the year 2024. Darryl recommends revisiting these conversions in consultation with advisors, stressing the significance of proactive planning in anticipation of potential tax law expirations in 2025.

*Despite an alarming increase in U.S. debt, significant changes are unlikely in an election year. The conversation revolves around the political rhetoric surrounding the issue and its potential impact.

*An explanation of why cybersecurity threats are escalating, including sophisticated tactics like deepfake technology.

If you enjoyed today’s episode, make sure to share it with your friends and family!

Disclaimer: Clicking the Like button does not constitute a testimonial for, recommendation or endorsement of our advisory firm, any associated person, or our services. Clicking the Like button is merely a mechanism to circulate our social media page. “Like” is not meant in the traditional sense. In addition, postings must refrain from recommending us or providing testimonials for our firm.

2023, a year marked by unforeseen events and economic shifts, offered a dynamic canvas where global trade tensions, technological strides, and cultural influences converged, shaping the financial landscape and leaving a lasting imprint on the way we approach investments and plan for the future.

In today’s episode of Retire in Texas, Darryl Lyons takes us on a high-flying overview of the top ten financial events that shaped 2023. From balloons flying across the country to the Federal Reserve's interest rate hikes, each event unfolds with economic implications and lessons for the future.

Some of today’s show highlights include:

*Significant themes and takeaways from the major events of 2023, offering a comprehensive perspective on the financial landscape of 2023 and beyond.

*A consideration of the evolving role of traditionally conservative investments in an ever-changing financial landscape.

*The “Swiftie Effect” and insight into the multifaceted economic effects of cultural phenomena beyond traditional sectors.

*An explanation of what is to be expected of AI's continued impact on financial planning and global industries.

If you enjoyed today’s episode, be sure to share it with your friends and family!

Disclaimer: Clicking the Like button does not constitute a testimonial for, recommendation or endorsement of our advisory firm, any associated person, or our services. Clicking the Like button is merely a mechanism to circulate our social media page. “Like” is not meant in the traditional sense. In addition, postings must refrain from recommending us or providing testimonials for our firm.

Many people set New Year's resolutions, but how many people actually achieve them?

In today’s episode of Retire in Texas, Darryl Lyons takes a unique approach to goal setting, offering valuable insights and personal anecdotes that have guided his journey to success.

Show highlights include:

*The power of establishing attainable objectives and understanding the importance of having a well-structured strategy to reach them.

*An in-depth explanation of the nine different areas for goal setting.

*A breakdown of an experiment from Heidi Grant-Halvorson's book, "Succeed: How We Can Reach Our Goals”.

*Darryl’s experience with goal setting from a young age, and how it set the groundwork for his personal and professional success later in life.

If you enjoyed today’s episode, be sure to share it with your friends and family!

Disclaimer: Clicking the Like button does not constitute a testimonial for, recommendation or endorsement of our advisory firm, any associated person, or our services. Clicking the Like button is merely a mechanism to circulate our social media page. “Like” is not meant in the traditional sense. In addition, postings must refrain from recommending us or providing testimonials for our firm.

As the year draws to a close, the demand for information on charitable donations is on the rise.

In today’s episode of Retire in Texas, Darryl Lyons delves into the world of Donor Advised Funds, offering a comprehensive guide to this powerful tax strategy for the charitably inclined.

Some of the topics discussed include:

The presentation of Donor Advised Funds as a simpler alternative to wealthy individuals setting up foundations for charitable giving.
An explanation of the distinction between faith-based and secular donor advised funds.
The importance of verifying charities and why you need to be wary of charities asking for immediate large payments, gift cards, or wire transfers.
Why PAX believes that setting up a donor advised fund can be a strategic move in anticipation of potential tax increases in the future.

If you enjoyed today’s episode, make sure to share it with your friends and family!

Disclaimer: Clicking the Like button does not constitute a testimonial for, recommendation or endorsement of our advisory firm, any associated person, or our services. Clicking the Like button is merely a mechanism to circulate our social media page. “Like” is not meant in the traditional sense. In addition, postings must refrain from recommending us or providing testimonials for our firm.

Emphasizing the essence of comprehensive financial planning, it is crucial not only to strategize for present tax implications but also to meticulously plan for the constantly evolving future financial landscape.

In today’s episode of Retire in Texas, Darryl Lyons navigates the intricate terrain of impending tax changes, estate planning nuances, and strategic financial decisions, providing indispensable insights for proactive and future-focused financial planning.

Some of the topics discussed include:

The imminent change in the Tax Cuts and Jobs Act by 2025, suggesting potential increases in taxes.
A breakdown of the complexities of estate tax dynamics, such as exemptions, potential changes, and proactive strategies for those with estates exceeding $10 million.
Uncovering the art of strategic gifting to family members and staying below triggering thresholds to avoid tax implications.
Exploring potential changes in tax brackets and standard vs. itemized deductions.

If you enjoyed today’s episode, make sure to share it with your friends and family!

Disclaimer: Clicking the Like button does not constitute a testimonial for, recommendation or endorsement of our advisory firm, any associated person, or our services. Clicking the Like button is merely a mechanism to circulate our social media page. “Like” is not meant in the traditional sense. In addition, postings must refrain from recommending us or providing testimonials for our firm.

How do you prevent your kids from becoming spoiled, especially when they grow up in a vastly different financial landscape than you did?

In today’s episode of Retire in Texas, Darryl Lyons explores the philosophical nature of this inquiry, sharing his own experiences and drawing wisdom from a diverse range of sources. Plus, he dives into key takeaways from the book 'Make Your Kid a Money Genius, Even If You're Not’ by Beth Kobliner, offering practical insights for parents and grandparents alike.

Some of the topics discussed include:

Why preventing your kids from being spoiled is more philosophical than mathematical.
18 salient points on how to successfully educate your children on the value of money.
The importance of storytelling, not lecturing, in financial education.
Discussing the fear of investing among young people.

If you enjoyed today’s episode, make sure to share it with your friends and family!

Disclaimer: Clicking the Like button does not constitute a testimonial for, recommendation or endorsement of our advisory firm, any associated person, or our services. Clicking the Like button is merely a mechanism to circulate our social media page. “Like” is not meant in the traditional sense. In addition, postings must refrain from recommending us or providing testimonials for our firm.

If you are thinking about hiring a financial services firm, it is imperative to consider how that firm’s values align with your own.

In today’s episode of Retire in Texas, Darryl Lyons explores essential considerations when choosing a financial institution, diving into topics ranging from aligning your investments with Judeo-Christian values to legacy planning and the biblical perspective on retirement.

Some key discussion points include:

How to approach financial discussions through a biblical worldview.
A breakdown of eight considerations to evaluate when hiring a financial services firm.
A challenge to the conventional view of retirement, emphasizing that from a biblical perspective, retirement should not be viewed as the disposal of an asset but rather as a transition to a different purpose.
The importance of financial institutions being open to Christian health insurance alternatives.

If you enjoyed today’s episode, be sure to share it with your friends and family!

Disclaimer: Clicking the Like button does not constitute a testimonial for, recommendation or endorsement of our advisory firm, any associated person, or our services. Clicking the Like button is merely a mechanism to circulate our social media page. “Like” is not meant in the traditional sense. In addition, postings must refrain from recommending us or providing testimonials for our firm.

Last week, the market went up 5%, yet the headlines in our inboxes were still creating stomach-churning anxiety about how the market was on the verge of collapsing. It remains as crucial as ever to ignore the noise when making decisions regarding your financial portfolio.

In this week’s episode of Retire in Texas, Darryl Lyons, CEO of PAX Financial Group, navigates the complexities of market volatility, introduces the art of 'hacking' life and finances, and delves into the strategic realm of 'hedging’ by exploring the unique role of annuities as a powerful tool in wealth management.

Show highlights include:

*The importance of choosing a specific strategy to navigate market noise.

*A breakdown of hacking and hedging, and why these are strategies that you should be discussing with your financial advisor.

*Why annuities are a viable strategy for those who are looking to hedge the market.

If you enjoyed today’s episode, leave a comment and share the show with a friend!

Disclaimer: Clicking the Like button does not constitute a testimonial for, recommendation or endorsement of our advisory firm, any associated person, or our services. Clicking the Like button is merely a mechanism to circulate our social media page. “Like” is not meant in the traditional sense. In addition, postings must refrain from recommending us or providing testimonials for our firm.

It's crucial to consider a long-term perspective and consult with financial advisors for guidance, especially in times of market uncertainty. Many investors follow the herd mentality and are susceptible to making spontaneous investment decisions based on emotion.

Today’s episode of Retire in Texas aims to break this herd mentality, and dives deep into the intricacies of market sentiment, financial planning, and investment strategies you should be considering during market uncertainty.

Some of the topics discussed include:

Why market sentiment is currently pessimistic, with various indicators pointing to bearish signals, and how a major cause of this is that many investors tend to follow the herd mentality.
A breakdown of the ongoing economic transition and the uncertainty it creates.
Emphasizing the potential benefits of bonds as an investment option, especially for retirees or those seeking alternatives to stocks.
Why you need to avoid making knee-jerk emotional decisions and to consult with financial advisors for thoughtful, logical investment strategies.

If you enjoyed today’s episode, make sure to share it with your friends and family!

Disclaimer: Clicking the Like button does not constitute a testimonial for, recommendation or endorsement of our advisory firm, any associated person, or our services. Clicking the Like button is merely a mechanism to circulate our social media page. “Like” is not meant in the traditional sense. In addition, postings must refrain from recommending us or providing testimonials for our firm.

2022 was the worst performing year for the 60-40 investing strategy since 1937.

Even though this may be cause for concern, it is crucial to not abandon a financial strategy after one down year, especially when that strategy holds as strong of a historical trend as the 60-40 rule has.

Today’s episode of Retire in Texas breaks down exactly what the downward market trends from last year mean to investors, and what you should be on the lookout for going forward.

Some of the topics discussed include:

The breakdown of a 60-40 investing portfolio.
Some of the challenges facing the 60-40 strategy.
Why it is so important to not abandon a strategy based on one bad year.
Potential reasons for minor modifications to the 60-40 strategy.

If you enjoyed today’s episode, share it with your friends and family!

Disclaimer: Clicking the Like button does not constitute a testimonial for, recommendation or endorsement of our advisory firm, any associated person, or our services. Clicking the Like button is merely a mechanism to circulate our social media page. “Like” is not meant in the traditional sense. In addition, postings must refrain from recommending us or providing testimonials for our firm.

Welcome to the 100th episode of Retire in Texas!

In this special milestone edition, Darryl Lyons reflects on the incredible journey of the Retire in Texas podcast and expresses his gratitude to his loyal listeners.

Additionally, this episode delves into an important topic, framed in the context of the upcoming 2024 political ads, which are expected to be fueled by fear and emotion.

Some of the topics discussed include:

A discussion of what is to come with regards to political advertisements surrounding the upcoming 2024 Presidential Election.
An in-depth explanation of the four pillars of success.
What you should be thinking about to ensure you are making informed, logical decisions that aren’t fueled by emotion.
The value you can find in taking calculated risks.

If you enjoyed today’s special episode, be sure to share it with your friends and family!

Disclaimer: Clicking the Like button does not constitute a testimonial for, recommendation or endorsement of our advisory firm, any associated person, or our services. Clicking the Like button is merely a mechanism to circulate our social media page. “Like” is not meant in the traditional sense. In addition, postings must refrain from recommending us or providing testimonials for our firm.

For families with special needs children, creating a Special Needs Trust or an Able Account helps ensure that they can continue to receive necessary public benefits and support, even if their parents are no longer able to care for them.

In this week’s episode of Retire in Texas, Darryl Lyons welcomes David Alvarez onto the show. David is a partner of PAX Financial Group and has a deep understanding of the financial advice world.

Some of today’s topics discussed include:

-Highlighting the importance of special needs planning and the need to make legal and financial preparations for their future.

-A breakdown of Special Needs Trusts and what benefits it can offer for a variety of different circumstances.

-What Able Accounts are, and why they are a more cost-effective way to save for the future of special needs children compared to setting up a Special Needs Trust.

-Emphasizing the importance of communication within the family regarding long-term planning.

If you enjoyed today’s episode, make sure to share it with a friend or loved one!

Disclaimer: Clicking the Like button does not constitute a testimonial for, recommendation or endorsement of our advisory firm, any associated person, or our services. Clicking the Like button is merely a mechanism to circulate our social media page. “Like” is not meant in the traditional sense. In addition, postings must refrain from recommending us or providing testimonials for our firm.

“But the worries of this life, the deceitfulness of wealth and the desires for other things come in and choke the word, making it unfruitful” (Mark 4:19).

At the beginning of October, the marketplace enters its fourth quarter, and many people are hoping to see improvements, especially from that of the previous third quarter.

In today’s episode, Darryl Lyons addresses Q3 concerns and reviews external factors that have had their chokehold on the market and its ability to thrive, offering insight into what the future may hold and how we can deal with it.

This week’s highlights include:

A review of the third quarter market and its impact on financial portfolios.
The impact of rising interest rates on the stock and bond markets.
What a statement risk is and how to avoid it.
An overview of structured products and how they provide a degree of risk management.

If you enjoyed listening to today’s episode, be sure to share it with a friend or family member!

Texas has four of the nation’s largest metropolitan areas, with two of them being in the top five, and this number is exponentially greater than it was just a few short decades ago. With this rapid growth, it is time for Texas to start attracting young workers all over the state so that these metropolitan areas can boom like they are capable of.

In this week’s edition of Retire in Texas, Darryl Lyons discusses everything you need to know about the current economy of Texas, where it is headed, and what we can be done to ensure the State’s future pans out like it should.

Some of the show’s highlights include:

The impact of immigration and overpopulation on Texas’ resources.
Suburban population density and how Texas’ infrastructure will need to be upgraded to handle the growth.
The challenges that these growing urban communities are facing with attracting young workers.
A breakdown of some of the pressing issues that Texans will face with finite resources that comes naturally with exponential growth.

Let us know what you think of today’s episode by sharing this podcast with someone that loves Texas just as much as you do!

Disclaimer: Clicking the Like button does not constitute a testimonial for, recommendation or endorsement of our advisory firm, any associated person, or our services. Clicking the Like button is merely a mechanism to circulate our social media page. “Like” is not meant in the traditional sense. In addition, postings must refrain from recommending us or providing testimonials for our firm.

Since the beginning of 2023, there have been over 1,000 IPOs in the United States alone.

In this week’s edition of Retire in Texas, Darryl Lyons discusses everything you need to know about IPOs, and why they are crucial to both the American economy, and the global economy.

Highlights of the episode include:

An explanation of what an IPO is.
The relationship between IPOs and small businesses across the nation.
How IPOs serve as an indicator of which countries have strong financial foundations.
Why IPOs may prove strategically important to a financial portfolio.

Let us know what you thought of today’s episode by leaving a comment and sharing the podcast with a friend!

Disclaimer: Clicking the Like button does not constitute a testimonial for, recommendation or endorsement of our advisory firm, any associated person, or our services. Clicking the Like button is merely a mechanism to circulate our social media page. “Like” is not meant in the traditional sense. In addition, postings must refrain from recommending us or providing testimonials for our firm.

With September being the worst month for the stock market every single decade since 1970, today’s episode analyzes some of the other month-to-month trends that could be important to recognize in order to create a better, more secure financial future for you and your family.

This week’s highlights include:

*A brief summary of why September has historically been the worst performing month for stocks across the market.

*A breakdown of the January Effect, and why some economists feel it is a sure way to receive material bonuses at the beginning of every year.

*Other strategies that might help you capitalize on monthly trends.

*Why portfolio diversification is an optimal method to provide future financial stability.

If you learned something new from today’s episode, share it with a friend or family member!

“Command those who are rich in this present world not to be arrogant, nor to put their hope in wealth, which is so uncertain, but to put their hope in God, who richly provides us with everything for our enjoyment. Command them to do good, to be rich in good deeds, and to be generous and willing to share. In this way they will lay up treasure for themselves as a firm foundation for the coming age so that they may take hold of the life that is truly life.”

(1 Timothy 6:17-19)

At PAX Financial, our mission statement is infused into everything that we do. Even though this may have caused some backlash over the years given we are outspoken in our beliefs, it is clear now more than ever that it is crucial to keep our mission at the heart of our actions in order to be of service to clients in the best possible way.

In this episode of Retire in Texas, this subject is highlighted. Key topics shared include:

-The thoughtful reasoning as to why the scripture 1 Timothy 6:17-19 is integral to the PAX Financial mission statement.

-Perspective from CEO Darryl Lyons as to why he once felt the need to shy away from speaking his beliefs when under the public eye.

-How Judeo-Christian values have enabled PAX to truly be a firm that puts our clients’ best interests at heart, every single time.

-A breakdown of the three chapters of the PAX journey to becoming comfortable saying that we are fiduciaries who honor Judeo-Christian values.

If you enjoyed listening to today’s episode, share it with a friend or loved one!

With seemingly more and more businesses blurring their morals when making financial decisions, it is more important than ever that you crystallize your own values and virtues.

In today’s episode of Retire in Texas, Darryl Lyons breaks down what “Woke Culture” is and how this form of global activism is transforming our economic and political environments.

Topics discussed include:

What “Woke Culture” really means and how it has already impacted the world we live in.
Vivek Ramaswamy’s view on the current stage of “wokeism”, and how his Investment Firm navigates this complex landscape.
What we can do personally to ensure we aren’t straying from our own values and morals in relation to our financial goals.

This episode’s topic is timely and offers a fresh perspective on a complex subject.

If you enjoyed today’s episode, share it with a friend!

“A man’s heart plans his way, But the Lord directs his steps.” (Proverbs 16:9).

Despite placing our trust in the Lord, we must take sole control of our financial futures.

You never know what unexpected life interruptions are going to shake up your financial situation, so it is crucial that you are consistently checking on your current situation and ensuring you have a contingency plan.

In today’s episode, you will learn about 10 of the most important topics that our financial advisors discuss with their clients during their annual checkups.

These 10 topics are:

Protection
Performance Review
Spousal Alignment
Emergency Fund
Check your Pivot Date
Debt
Beneficiaries
Tax Planning
Held Away Account
Your Net Worth

Let us know what you thought of today’s episode by leaving a comment and sharing the podcast with a friend!

With the country’s yearly inflation rate now exceeding 9%, the Federal Reserve has been aggressively raising interest rates to try and combat this.

But with rising interest rates, the economy inevitably responds by starting to slow down.

In today’s episode, you will learn what future implications we will be seeing from these current economic conditions, and if this means we should be concerned about an upcoming recession.

Topics covered include:

*What economists mean when they are referring to soft landings and hard landings.

*Why raising interest rates always leads to a slower economy.

*Why some economists are sure that an economic recession is looming, and why some aren’t so sure.

*How we can prepare for any upcoming impacts from the Feds raising interest rates.

If you enjoyed today’s episode, make sure to share it with a friend or family member!

Fitch Ratings recently downgraded America’s debt situation from AAA, the highest level, down to AA+.

Although this has the potential to be cause for concern, this is based not off of where America is right now, but where we could be headed.

This doesn’t mean the economy is about to hit a recession, but it does mean that it’s time for a wake-up call before it’s already too late.

In today’s episode, you will learn more about why Fitch Ratings downgraded America’s debt situation.

Some of the specifics discussed include:

*The reason for concern behind Fitch’s downgrading.

*What you should be doing right now to protect yourself from any upcoming market instability.

*How America’s lack of solutions for its excessive spending habits is affecting the daily lives of the population.

If you learned something from today’s episode, be sure to share it with a friend or family member!

The average person makes about 35,000 decisions every single day.

Each of these 35,000 decisions are made with System One thinking or System Two thinking.

In today’s episode, you will discover exactly what each of these thought processes mean and how you can utilize the concept of Behavioral Finance to create a better, more stable financial future for you and your family.

Topics covered include:

*System One thinking vs. System Two thinking.

*How to apply the concept of Behavioral Finance to your day-to-day life.

*The strategy behind the Honest Conversations exercise, as well as alternatives to it.

*How financial advisors can utilize the above strategies to keep their clients both happy and engaged.

If you enjoyed today’s episode, make sure to share it with a friend or family member!

Today I am answering your most commonly asked questions here at PAX Financial Group. I asked our advisors to bring me questions that they keep seeing from their clients and I wanted to discuss them with you on the show.

Topics covered include:

The BRICS Summit meeting to discuss developing a currency that can compete with the US dollar.
The Secure Act 2.0 and changes with Roth 401ks.
Things to consider before investing in startups that align with your values, using Public Square as an example.
Best practices for investing with TSP as a government employee.

I hope this show gives you some insight on current hot topics within the financial industry, both domestically and internationally.

I love discussing these types of topics with you on the show. If you work with a PAX advisor, send them your questions and hopefully I can cover more topics like this in a future podcast.

Worrying about how to invest your excess emergency fund might seem like a champagne problem, but it is something I discuss with my clients on a weekly basis. If you are fortunate enough to have excess money in your emergency fund, keep listening as we discuss the best strategies for investing that money so it can grow.

As a financial planner, I want all my listeners to be good stewards of their hard-earned money. That means putting your money into investments instead of “under the mattress.” We know that money needs time to grow in investment accounts, but with emergency funds, we don’t have 40 years for that money to grow like we do with a retirement account. It’s better to keep your money somewhere more accessible, like in bonds.

In this podcast, we discuss:

best practices for building an emergency fund.
the importance of having an adequate emergency fund.
what to do with an excess emergency fund.
different ways to invest your excess emergency fund, including bonds and bond funds.

If you like what you hear, share this episode with a loved one and subscribe so you never miss out on a new episode of “Retire in Texas.”

“Let no debt remain outstanding, except the continuing debt to love one another, for whoever loves others has fulfilled the law.” - Romans 13:8

The student loan payment pause will expire this October and many people are speculating that this will cause another recession.

43 million people owe student loans, and the average monthly payment is about $300. For the last three years, people in their 20’s have been putting that money back into the economy instead of paying off their student loans. Now the time has come, and the debts need to be paid.

So now that 43 million Americans will have hundreds of dollars less to spend, many are worried about another recession.

There are three reasons why I don’t think student loan repayments will cause a huge issue in our economy:

There is an “on ramp” for starting payments again (as long as you communicate with your borrower).
The SAVE program ties a minimum payment to discretionary earnings.
People are returning to work and working more hours.

I believe that paying back your debts builds character. If you owe student loans, now is a great time to put in the work and prove to yourself that you can pay it back.

We are experiencing the largest movement of wealth from one generation to the next. Baby Boomers are retiring and leaving the workforce, which has a huge impact on our economy. In fact, 10,000 Americans turn 65 every single day.

All that money and power that Baby Boomers have accumulated over their lifetimes needs to be transitioned smoothly to Gen X. Without a successful transfer of wealth and leadership, our country might face hardships that no one is prepared for.

In this episode we dive into:

how to take advantage of this transfer of wealth (regardless of if you are receiving a large inheritance or not)
how to pass down money to the next generation in a strategic way
what this transfer of wealth means for the overall economic and political systems in America

Whether you are on the giving or receiving side of this wealth transfer, this podcast is a must listen.

#WealthTransfer #BabyBoomers #Genx

It’s true that the real estate market is experiencing some turbulence right now. You have probably seen some alarming headlines on the news and in the media. These headlines are meant to scare and disrupt the general public.

But I’m here to uncover what’s actually happening in the real estate market in 2023. I want you to be equipped with information that will help you navigate these turbulent times with more certainty. It’s never a good idea to make rash decisions out of fear, especially in real estate.

The real estate market, specifically the commercial real estate market, is heading towards a crisis. But the more I have looked into this, the less I think the average American needs to worry.

In this podcast episode we cover:

The current state of the commercial real estate market around the country.
The different types of commercial real estate.
How working from home has impacted the office real estate market.
What the future of office commercial real estate might look like.
How major cities are impacted vs. smaller cities.

I hope today’s podcast helps answer any questions you have about the looming real estate collapse we are seeing right now.

Make sure to share this episode with a friend if you found the information helpful!

It’s no secret that small businesses are the heart and soul of America. Small businesses provide 2 out of every 3 jobs in America.

I am a passionate and proud small business owner. I have been endeared with the idea of owning a small business ever since my dad lost his job when I was young. I promised myself that I would never get in a position where someone else could take my freedom and finances away from me.

To this day I have kept that promise, and I wish success for every small business owner and aspiring entrepreneur out there! Luckily, there are a couple organizations that fight for our right to be independent business owners.

In this podcast episode of Retire in Texas, we dive into the two organizations putting in the work and making it easier for Christian CEOs to align their business practices with their faith.

C12 is a leader in the Kingdom seeking CEO space. They hold monthly meetings for all 2,500 of their members to help equip business owners with the right tools and resources to instill Christian values into their business practices.

The National Federation of Independent Business Owners (NFIB) works to protect small business owners’ freedoms and independence. The local governments have gone too far to regulate the free market, and we need to protect our freedom by lobbying in every facet of American government on the local, state, and national level.

Whether you are a seasoned small business owner, or an aspiring entrepreneur, you should be inspired by these organizations that are protecting our faith, freedom, and financials.

#RetireInTexasPodcast #FaithBasedBusiness #FaithDrivenEntrepreneur

At the time of this recording, the stock market is pushing nearly double digit returns year to date in the first half of the year. Almost 10% in the first half of 2023.

If you had these as part of your financial plan, you could be well past your target for the first part of 2023.

But the problem is the majority of these returns have come from just a few companies in the S&P 500. And the truth is, not everyone has these companies in their portfolio.

So it causes panic and induces FOMO, rushing to get to where the grass is greener by changing their portfolio.

But that’s not the right approach to handling this situation.

In today’s episode, you’ll discover who the Magnificent 7 are in the S&P 500 and why they can generate wildly high returns in a small amount of time. Plus, I reveal how you can handle your portfolio (even if you missed the bull run).

Listen now.

Show highlights include:

Why the S&P 500 is a better representation of the health of the stock market than the Dow Jones. (2:51)
The underwhelming truth about the impressive returns of the stock market (and why only 7 companies prop up the entire market). (4:07)
Why the Magnificent Seven are the leaders in the current stock market and in the world. (7:13)
How the returns from the Magnificent 7 will affect the other 493 companies in the S&P 500. (8:40)
Why chasing returns is the wrong move even if you don’t have the Magnificent Seven in your portfolio. (and the right thing to do if you don’t have these companies in your portfolio). (11:20)

Disclosure:

"Clicking the Like button does not constitute a testimonial for, recommendation or endorsement of our advisory firm, any associated person, or our services. Clicking the Like button is merely a mechanism to circulate our social media page. “Like” is not meant in the traditional sense. In addition, postings must refrain from recommending us or providing testimonials for our firm."

Pursue righteousness and find prosperity - Proverbs 21:21

The Bible is the world’s most underrated finance book.

In fact, Christianity makes the importance of your finances for your spiritual well being crystal clear.

But many believers separate their investments from their faith these days. Or they don’t know how to invest in alignment with their values in the first place.

That’s where a Certified Kingdom Advisor comes in, who combines the knowledge about financial planning with Biblical wisdom regular advisors ignore.

And in today’s episode, Roger Stukkie, one of our advisors, shares how a CKA certificate makes everyone a better financial advisor, what makes biblical investing so lucrative, and the timeless financial wisdom of the Bible you can use today.

Listen now!

Show highlights include:

How to tell if a Christian financial advisor is genuine and competent (2:49)
The weird way this Christian core value makes your investments succeed (5:18)
What sets all “Kingdom Advisors” apart from financial planners with average results (5:42)
How program-related investments support your community (instead of feeding shady corporations) (8:46)
How Biblical investors combine generating wealth with generosity for the people close to them (11:57)

Disclosure:

"Clicking the Like button does not constitute a testimonial for, recommendation or endorsement of our advisory firm, any associated person, or our services. Clicking the Like button is merely a mechanism to circulate our social media page. “Like” is not meant in the traditional sense. In addition, postings must refrain from recommending us or providing testimonials for our firm."

Compare your way to retirement with a road trip.

You load up your fortune truck with a portfolio of assets, and fuel it with enough income for a pleasant journey.

The goal may be a legacy for your family, maintaining vibrant health, or a visit to the Galapagos Islands.

Then, a tax loophole appears, and shakes you up.

One may not hurt that much.

But, if they become too many, they take a toll on your retirement plan and your sanity.

Therefore, it’s better to include a map for tax planning, so you can avoid these obstacles.

And in today’s episode, you’ll gain an overview of how to bypass the IRS with efficient tax planning, how to reduce your tax liability with your stock portfolio, and why Medicare is a potential tax trap on its own.

Listen now!

Show highlights include:

Why tax planning isn’t going to make you rich (and what to focus on first) (1:28)
The ever-growing tax liability trap most people ignore (and ruin their retirement) (2:53)
The “Asset Allocation” method to save thousands in taxes per year (4:09)
How to stop the IRS from enriching themselves with you (and have more left for charity) (5:38)
The “Tax Harvesting” strategy to reduce your tax liability (with the help of your stock portfolio) (7:16)
The pure magic of Roth IRAs for tax planning (and why Medicare is a tax trap for high earners) (8:22)

Disclosure:

"Clicking the Like button does not constitute a testimonial for, recommendation or endorsement of our advisory firm, any associated person, or our services. Clicking the Like button is merely a mechanism to circulate our social media page. “Like” is not meant in the traditional sense. In addition, postings must refrain from recommending us or providing testimonials for our firm."

In a recession, you must be able to call into question everything you’ve done before.

A recession in the autumn seems inevitable.

And it’s logical to try and minimize your losses while you ride out the storm.

But, most people avoid “risky” small cap companies, and flock onto Big Tech instead.

The problem?

These smaller companies outperform global corporations coming out of a recession.

This is because they are the true innovators which drive the economic upswing after a recession.

So, if you want to kickstart your portfolio performance after the coming recession, tap into the opportunities of small cap stocks.

In today’s episode, you’ll discover the historic advantages of small companies, why they are far less small and risky than their reputation, and how to profit from their high ROI and still have a stable portfolio in retirement.

Listen now!

Show highlights include:

The historic advantage small companies have over the global players (even if no one outside of your state knows them) (4:01)
The ideal share of small cap stocks in your portfolio before and after the age of 60 (5:13)
What Big Tech doesn’t want you to know about innovation (and where you truly accumulate wealth) (6:26)
The “Legacy Bucket” framework for a high ROI out of Small-Cap stocks (while ensuring your money never runs out) (8:04)
2 ways to weed out bad small cap stocks (and how to save your time and go straight to the gains) (9:45)

Disclosure:

"Clicking the Like button does not constitute a testimonial for, recommendation or endorsement of our advisory firm, any associated person, or our services. Clicking the Like button is merely a mechanism to circulate our social media page. “Like” is not meant in the traditional sense. In addition, postings must refrain from recommending us or providing testimonials for our firm."

Sources: https://finance.yahoo.com/news/goldman-sachs-says-small-cap-184322074.html?guccounter=1&guce_referrer=aHR0cHM6Ly93d3cuZ29vZ2xlLmNvbS8&guce_referrer_sig=AQAAADrM--YDRTiVdUDsNP-u8umky_txuzZ6jfEXHgaPzK1SriJWduCA5tTr8xa9gwcDc5Z0CMkSzKx4M5ILMw-n2-XBviPo1sByYIOOaKs04uJ3JnmHcPHVWlv6aNeBHxDossja4en1XIBJgaMKaOECTwNrk8iOtt74QUwuEIfgGScd

My Book “18 to 80”: https://www.amazon.com/18-80-Simple-Practical-Retirement/dp/1948209985

Nothing is certain except death and taxes.

One of the most painful experiences is to lose your hard earned money to a tax trap. The state did nothing to help you accomplish your capital gains.

But the IRS only has one goal: Extract as much money from you as humanly possible.

But if you know about the 3 ways to diversify your taxes now, you’re all set for a trouble-free retirement down the road.

In today’s episode, you’ll discover how non-qualified accounts minimize taxes when you sell a stock, how you can nullify taxes on dividends, and how moving the pay day for taxes forward protects you from taxes when you retire.

Listen now!

Show highlights include:

How to sell a stock so the IRS takes the least from your capital gains (4:01)
How tax-deferred accounts compound your dividends (while you reduce your income taxes today) (6:22)
The “Required Minimum Distribution Age” trap that looms over your finances (and how to avoid it) (7:47)
How Roth IRAs make you pay now (and allow a tax-free life in retirement) (9:20)

Disclosure:

"Clicking the Like button does not constitute a testimonial for, recommendation or endorsement of our advisory firm, any associated person, or our services. Clicking the Like button is merely a mechanism to circulate our social media page. “Like” is not meant in the traditional sense. In addition, postings must refrain from recommending us or providing testimonials for our firm."

One of the lesser-known reasons investors fail to build a legacy is their habits outside of the financial markets.

And it's one of the most tragic ones, since we keep many of our habits for life without knowing better.

So, to increase your net worth, you can ask yourself how well you can manage your money first.

You can develop solid financial management habits like Warren Buffet without reading 6 hours a day.

Because, if you have the mental clarity, the wit and energy it takes to solve complex problems with your habits,you will achieve the financial success you want.

So, in today’s episode, you’ll discover the common “disease” which stops you from racking up wealth, how to break past your daily distractions, and the habits that ensure you get closer to your goals today.

Listen now!

Show highlights include:

How this “High Earning” myth cripples your finances (even if you watch your expenses) (1:02)
A well-known silent disease most financial planners ignore that’s eating your profits (3:12)
The reason why most lottery winners end up destroying their lives (and the first steps to avoid that) (7:14)
The “Six Most” method that eliminates stress (while you keep setting higher financial goals) (12:32)

Disclosure:

"Clicking the Like button does not constitute a testimonial for, recommendation or endorsement of our advisory firm, any associated person, or our services. Clicking the Like button is merely a mechanism to circulate our social media page. “Like” is not meant in the traditional sense. In addition, postings must refrain from recommending us or providing testimonials for our firm."

On the 5th of June, the United States will raise its debt ceiling and make adjustments to its spending methodology.

This is a tricky situation that may affect a number of things in the economy. It may even move the markets violently in either direction.

And this can cause a lot of mixed reactions: panic, upset, and overwhelm. What everyone wants is to come out of this situation safe and with their wealth intact.

So what should you do if you’ve already invested in the stock market?

And what does raising the debt ceiling mean for the future of the United States?

In today’s episode, you’ll learn what moves you should make in the event of the US raising its debt ceiling. You’ll also discover what the probable future holds in store for the US if they falter on debt payment.

Listen now.

Show highlights include:

The debt ceiling: what it is, and how it could be a problem. (1:52)
3 options you can consider if you’re in the stock markets already (and the most profitable one you can take). (3:08)
Why it’s dangerous for you to pay close attention to the news & banter surrounding the debt ceiling. (4:09)
Should you sell your stocks and turn your investments to cash? Here are some challenges you might face if you do. (5:14)
Why the United States isn’t likely to default on its debt payment (or collapse into an apocalypse). (8:45)
Why you should avoid panic-selling before June 5th (and how you can actually profit by staying put). (11:02)

Disclosure:

"Clicking the Like button does not constitute a testimonial for, recommendation or endorsement of our advisory firm, any associated person, or our services. Clicking the Like button is merely a mechanism to circulate our social media page. “Like” is not meant in the traditional sense. In addition, postings must refrain from recommending us or providing testimonials for our firm."

References:

The U.S. Dollar as the World's Dominant Reserve Currency https://crsreports.congress.gov/product/pdf/IF/IF11707#:~:text=It%20is%20widely%20used%20to,currency%20since%20World%20War%20II.

What Do China's High Patent Numbers Really Mean? https://www.cigionline.org/articles/what-do-chinas-high-patent-numbers-really-mean/#:~:text=Instead%20of%20being%20innovation%2Ddriven,as%20national%20high%2Dtech%20enterprises.

Key facts about China's declining population https://www.pewresearch.org/fact-tank/2022/12/05/key-facts-about-chinas-declining-population/

What will China's population drop mean for the world? https://www.bbc.com/future/article/20230118-is-chinas-population-decline-surprising

Opinion Ignore the naysayers. Dollar dominance is here to stay. https://www.washingtonpost.com/opinions/2022/03/20/dollar-dominance-currency-markets-here-to-stay-as-global-reserve-currency/

U.S. Debt to China: How Much Is It, and Why? https://www.thebalancemoney.com/u-s-debt-to-china-how-much-does-it-own-3306355#:~:text=How%20much%20money%20does%20the,prices%20of%20those%20bonds%20change.

A new world order? BRICS nations offer alternative to West https://www.dw.com/en/a-new-world-order-brics-nations-offer-alternative-to-west/a-65124269#:~:text=BRICS%20nations%20offer%20alternative%20to%20West,-Astrid%20Prange&text=Predictions%20about%20the%20BRICS%20countries,outside%20of%20the%20Western%20mainstream.

How to Lose Reserve Currency Status https://www.ftportfolios.com/blogs/EconBlog/2023/4/10/how-to-lose-reserve-currency-status#:~:text=Limiting%20government%20spending%2C%20keeping%20tax,monetary%20policy%20are%20our%20suggestions.

BRICS: Who Are They and Why Are They a Threat to the US? https://www.msn.com/en-us/news/world/brics-who-are-they-and-why-are-they-a-threat-to-the-us/ar-AA115bZ5

China’s Top Trading Partners https://www.worldstopexports.com/chinas-top-import-partners/

India Is a Natural U.S. Ally in the New Cold War https://www.wsj.com/articles/india-is-a-natural-u-s-ally-in-the-new-cold-war-11590600011

When the financial markets scare you, annuities may seem like a protective wall. They offer you a stable source of income no matter how the stock market performs.

But here’s the thing…

Financial advisors earn higher commissions selling annuities than anything else. This is one of the reasons we hear about them on the radio so often.

Moreover, they’re complex investment instruments, so you can find yourself in a trap with hidden fees and lower returns than promised.

The People who want to sell annuities to you, won’t explain even the basics, since it’s not in their interest.

In today’s episode, you’ll discover the three types of annuities, how you can avoid greedy annuity sellers, and the type of annuity that may ensure a smooth transition in the last years before you retire.

Listen now!

Show highlights include:

How to watch out for money grubbing financial advisors that don’t look out for your best interest (2:57)
The insidious way variable annuities can cripple you with fees (even if they beat the stock market) (3:55)
How equity indexed annuity sellers withhold crucial information that can wipe out up to 40% of your returns (6:37)
The best strategy to protect yourself from volatile stocks with fixed annuities in today's market (9:12)

Disclosure:

"Clicking the Like button does not constitute a testimonial for, recommendation or endorsement of our advisory firm, any associated person, or our services. Clicking the Like button is merely a mechanism to circulate our social media page. “Like” is not meant in the traditional sense. In addition, postings must refrain from recommending us or providing testimonials for our firm."

Is the dollar really dead?

That’s all that seems to be in the news of laterecent. Reports sayare that the dollar is losing global reserve status and cannot remain the world's reserve currency for much longer.

With China and BRICS looming over the horizon and more countries getting rid of the dollar backing of their currency, it looks like the U.S dollar is weakening.

It might even be replaced by the Yuan.

But the facts at hand show it’s unlikely that the dollar will be replaced. Not soon, anyway.

Why?

In today’s episode, I’ll show you why the dollar isn’t really dead. You’ll also discover why China’s move to remove the U.S dollar as a global reserve currency is flawed and unlikely to work.

Listen now.

Show highlights include:

China’s sinister plan to replace the dollar as a global reserve currency. (1:50)
4 reasons the yuan can’t destroy the dollar (or replace it as the world’s reserve currency). (3:47)
How political, religious and militant differences can hinder the progress of BRICS to replace the dollar. (4:11)
Why Chinese patents are less valuable than US patents globally (and how this protects the dollar against foreign threats) . (10:28)
The unlikely link between ‘dollar-crashing’ headlines and gold sales. (13:02)

Disclosure:

"Clicking the Like button does not constitute a testimonial for, recommendation or endorsement of our advisory firm, any associated person, or our services. Clicking the Like button is merely a mechanism to circulate our social media page. “Like” is not meant in the traditional sense. In addition, postings must refrain from recommending us or providing testimonials for our firm."

When you notice that your money starts running out before the month ends, there are two usual suspects.

You may need to change your spending habits, especially if you have trouble paying off debt.

And if you can’t cut down your expenses, the only way to fix this is by increasing your income.

Most people think that they may have to work longer hours or find a new job.

But, there is one skill that employers in every field look for desperately, and you can start developing it as soon as today.

What’s this skill?

It’s your ability to solve problems.

In today’s episode, you’ll discover which attributes every leader has, the four basic leadership skills you can develop starting today, and effective ways you can convince people of your ideas.

Listen now.

Show highlights include:

How offering people advice may confuse them into inaction (and how to turn that around) (2:06)
The dwindling, yet most sought-after skill in business (and how to acquire it) (2:57)
Why emulating successful people can only hurt you (and how to stay with yourself) (7:59)
The fastline to success most people avoid out of fear (even if there is no alternative) (10:24)
The healthy type of “arrogance” that convinces people to trust you (11:38)

Disclosure:

"Clicking the Like button does not constitute a testimonial for, recommendation or endorsement of our advisory firm, any associated person, or our services. Clicking the Like button is merely a mechanism to circulate our social media page. “Like” is not meant in the traditional sense. In addition, postings must refrain from recommending us or providing testimonials for our firm."

Artificial intelligence is disrupting our everyday life.

Now with ChatGPT, the general public has access to a seemingly all-knowing chatbot.

Students let it write their papers, podcasters make it do their market research. And you can even have it design a website without writing a single line of code.

But, this rapid development raises the question:

Does ChatGPT do more harm than good?

It is true that AI poses a threat to many traditional industries.

But, knowing the opportunities (and potential drawbacks) of AI-powered machinery is a prerequisite for securing your wealth, and the future for your family.

In today’s episode, you’ll discover the current state of the artificial intelligence space, how AI may shape the future of entire industries, and why harnessing AI now is a rare opportunity for a great business career.

Listen now.

Show highlights include:

The uncanny way AI already affects your life (and how you may even profit from it) (1:42)
How students, pastors and podcasters can use ChatGPT to shave hours (or even days) off of their work week (5:30)
How AI may speed up computer chip production (and improve the treatment of cancer) (9:23)
China’s “Industrial Revolution” mistake we can’t afford to repeat with AI (or we'll be overtaken by those who dare to use it) (11:19)
2 qualities that are “AI-proof” and will never be replaced (13:17)

Disclosure:

"Clicking the Like button does not constitute a testimonial for, recommendation or endorsement of our advisory firm, any associated person, or our services. Clicking the Like button is merely a mechanism to circulate our social media page. “Like” is not meant in the traditional sense. In addition, postings must refrain from recommending us or providing testimonials for our firm."

Inflation is not only eating its way through our wallets.

It’s also having a toll on our psyche and our outlook on the near future.

In times when the stock market is struggling, people flee into gold that promises stability.

One of the best examples of such movement is the lost decade from 2000 to 2010, when people left the stock market in fear, and leaned into gold.

With a looming banking crisis and geopolitical risks around the world, investing more in gold and less in stocks seems to be the solution.

But, is that really the case?

In today’s episode, you’ll discover how you can invest in gold, if the stock market is inferior to the stability of the gold market, and if gold is a quick fix to hedge against inflation.

Listen now.

Show highlights include:

How gold commercials want to manipulate you (even if they have good intentions) (1:02)
The, historically proven, advantages of the stock market gold-only investors miss out on (even in decades of constant losses) (5:51)
How a fear rally in the 1970s may have earned gold a reputation it can’t live up to (7:37)
What you can research to make an informed decision before you buy gold in any form (9:49)
A healthy amount of gold to have in your portfolio (and still get high returns from the stock market) (12:25)

Disclosure:

"Clicking the Like button does not constitute a testimonial for, recommendation or endorsement of our advisory firm, any associated person, or our services. Clicking the Like button is merely a mechanism to circulate our social media page. “Like” is not meant in the traditional sense. In addition, postings must refrain from recommending us or providing testimonials for our firm."

Working in the health industry is not easy.

Most of us only know the perspective of a patient, so it seems right to complain about doctors who talk to you two minutes before they send you back home.

The truth is, that the industry forces them to meet a daily quota of patients per day if they want to get by.

Fortunately, there are ways to ensure that doctors can take proper care of their patients without the worry of ruining themselves.

In today’s episode, James Ogletree shares how agreeableness can kill a business, why doctors can’t take care of their patients, and what can be done about that.

Listen now.

Show highlights include:

Why your likeability may hold you back from better results in your business (5:47)
Why small town people who choose big universities risk losing several years of their life (7:14)
How the health industry prevents doctors from taking care of their patients (and what to do about it) (10:40)
How to prevent falling into a rut of idleness as soon as you retire (17:17)

Disclosure:

"Clicking the Like button does not constitute a testimonial for, recommendation or endorsement of our advisory firm, any associated person, or our services. Clicking the Like button is merely a mechanism to circulate our social media page. “Like” is not meant in the traditional sense. In addition, postings must refrain from recommending us or providing testimonials for our firm."

The failure of Silicon Valley Bank worries not only their clients, but also every investor in the U.S.

On one hand, it’s the biggest bank collapse since 2008.

On the other hand, we were lucky it didn’t cause a chain-reaction.

And, the Federal Reserve follows a, albeit risky, plan—albeit, a risky plan— to reduce the damage, and save SVB’s clients.

Furthermore, understanding how the current situation in the banking sector came to be can help us make better decisions on the stock market.

In today’s episode, you’ll discover why banks like SVB fear the looming danger of higher interest rates, and why the current crisis may even be an opportunity to stabilize the stock market.

Listen now.

Show highlights include:

How banks operate these days (and what they do with your money) (4:19)
What went wrong with Silicon Valley Bank (and why many other banks may share their fate) (6:27)
How the Federal Reserve says they’re is going to save SVB’s clients (and why this plan has many drawbacks) (11:27)
The roundabout, yet effective way the Federal Reserve wants to regulate the banking sector and stabilize the stock market (13:40)

Disclosure:

"Clicking the Like button does not constitute a testimonial for, recommendation or endorsement of our advisory firm, any associated person, or our services. Clicking the Like button is merely a mechanism to circulate our social media page. “Like” is not meant in the traditional sense. In addition, postings must refrain from recommending us or providing testimonials for our firm."

The stock market seems turbulent and unpredictable right now.

It’s high volatility is probably not going away soon.

While this is discouraging, you are not powerless or have to just wait it out.

And there are ways to understand the market and to set your portfolio up for success.

In today’s episode, I’ll share a tried and tested strategy to invest in the stock market, how to analyze stocks in a hurry, and what the next 18 months may be like.

Listen now.

Show highlights include:

The “Core-Satellite” portfolio that minimizes losses (and takes advantage of opportunities) (5:58)
The simple, yet reliable way to analyze the stocks in your portfolio (7:27)
How changes of the debt ceiling may affect the stock market (15:23)
How to protect your stock portfolio against high volatility in the markets (18:27)

Disclosure:

"Clicking the Like button does not constitute a testimonial for, recommendation or endorsement of our advisory firm, any associated person, or our services. Clicking the Like button is merely a mechanism to circulate our social media page. “Like” is not meant in the traditional sense. In addition, postings must refrain from recommending us or providing testimonials for our firm."

If stocks zig. bonds zag.

This means that, if the stock market goes down, bonds go up.

It’s common to diversify your portfolio by balancing out stocks and bonds, as they historically compliment each other.

But this doesn’t seem to be the case right now. Both are going down.

And people are starting to question diversification as a strategy.

In today’s episode, you’ll get a report on what is going on in the market right now, and how you can still use bonds to build and protect your wealth in 2023.

Listen now.

Show highlights include:

The “Recipe” method to never worry about your investment portfolio again (2:52)
What you can ask your financial advisor to understand your portfolio better right away (7:05)
The reason why stocks and bonds are going down together right now (and why this is only temporary) (7:58)
Why bonds are a lucrative investment (even if they may burden your portfolio right now) (15:48)

Disclosure:

"Clicking the Like button does not constitute a testimonial for, recommendation or endorsement of our advisory firm, any associated person, or our services. Clicking the Like button is merely a mechanism to circulate our social media page. “Like” is not meant in the traditional sense. In addition, postings must refrain from recommending us or providing testimonials for our firm."

References:

Don't Lose Faith in the 60/40 Portfolio. https://www.morningstar.com/articles/1133395/dont-lose-faith-in-the-6040-portfolio

Texas Housing Market Predictions & Trends 2023 https://www.noradarealestate.com/blog/texas-housing-market/

Factbox: The U.S. debt ceiling and markets: Gauging the fallout https://www.reuters.com/markets/us/us-debt-ceiling-markets-gauging-fallout-2023-02-16/

When they pivot into retirement, people ask themselves one question first.

Will I be able to pay my bills without working a job?

Being able to cover your expenses gives you peace of mind.

But, you will also have a lot more free time to look forward to. Especially, if you are used to being busy and working long hours in a workweek.

And if you don’t plan on what to do with this time, you may not enjoy your retirement as much as you’d expect.

In this episode, Ron Stanton shares how to pivot from years of working long hours to retiring while you contribute to your community and guide the next generations.

Listen now.

Show highlights include:

How experiencing humiliation makes having to motivate yourself to do hard work unnecessary (5:18)
Why setting specific goals helps you succeed (even if you don’t achieve them) (11:12)
What to expect if you consider to work in special education (14:07)
One way to aid your community with a little time per week (17:29)

Disclosure:

"Clicking the Like button does not constitute a testimonial for, recommendation or endorsement of our advisory firm, any associated person, or our services. Clicking the Like button is merely a mechanism to circulate our social media page. “Like” is not meant in the traditional sense. In addition, postings must refrain from recommending us or providing testimonials for our firm."

Our education and job system is skewed.

We force everyone into college as tradition to major in any random course of study and graduate after 4 years.

But some of these degrees don’t have a job market out there for them after college. So they end up behind the counter, as Starbucks baristas. Simply making ends meet.

But there’s good news.

There’s a good career path you can take without wasting 4 years in college.

In fact, there’s a huge gap for these kinds of people. Tons of business owners are asking for people who followed this path.

So what is this career path?

In today’s episode, Todd Fleming, a CPS Energy veteran retired at 55 years old, shares why learning a trade is a great career path. You’ll also discover the massive freedom and monetary benefits that come with working as a skilled worker.

Listen now.

Show highlights include:

Why a trade program is just as important as your college degree (6:04)
How Todd went from making minimum wage as a laborer to retiring at 55 (without jumping from job to job) (8:37)
How learning a trade can give you more than million dollars in pension (13:44)
The right things to consider before retiring (so you don’t drown in debt) (12:15)
A great career blueprint you can follow if you want to be in a trade. (19:49)

Disclosure:

"Clicking the Like button does not constitute a testimonial for, recommendation or endorsement of our advisory firm, any associated person, or our services. Clicking the Like button is merely a mechanism to circulate our social media page. “Like” is not meant in the traditional sense. In addition, postings must refrain from recommending us or providing testimonials for our firm."

Put your mind to it and work hard.

We’ve all heard similar words since we were children.

Because having the right work ethics help us make the right decisions for ourselves.

And especially people, who’ve succeeded despite many hardships growing up, say that their success was due their work ethic.

And who could explain how to develop the right work ethic better than a veteran who served his country for many years.

In this episode, Tony White shares how to thrive in hard times, and a simple tip to make better decisions.

Listen now.

Show highlights include:

The work ethic that turns hardships in your life into your biggest achievements (2:08)
How to adapt to new responsibilities (even if they are the opposite of what you expected) (8:18)
One simple, yet effective habit to end bad decisions you regret (12:59)
How networking with the right people can be a short cut to changing your career

Disclosure:

"Clicking the Like button does not constitute a testimonial for, recommendation or endorsement of our advisory firm, any associated person, or our services. Clicking the Like button is merely a mechanism to circulate our social media page. “Like” is not meant in the traditional sense. In addition, postings must refrain from recommending us or providing testimonials for our firm."

No one is surprised when someone goes to college, graduates and becomes successful in life.

This gives the misleading impression that your circumstances determine your success.

But today’s guest, Tom Cuthbert, is living proof to the contrary.

From a college dropout to a Vistage Master Chair and CEO Coach, he knows what it takes to have a successful business career.

In today’s episode, you’ll discover the easiest way to teach children about money, why real-life experience is superior to any degree, and what to do when you doubt yourself.

Listen now.

Show highlights include:

How every child can learn to handle money responsibly (so they succeed as adults) (7:57)
Why your “Life-BA” is more important than getting a college degree (10:56)
What to do whenever you have doubts about your success in the future (14:28)
Why the most successful CEOs work with business coaches to help them make better decisions (18:42)

Disclosure:

"Clicking the Like button does not constitute a testimonial for, recommendation or endorsement of our advisory firm, any associated person, or our services. Clicking the Like button is merely a mechanism to circulate our social media page. “Like” is not meant in the traditional sense. In addition, postings must refrain from recommending us or providing testimonials for our firm."

Imagine the day you retire.

You’ve been working and investing for years leading up to this point.

Not just money, but also countless hours went into planning and setting up your retirement plans.

Just for the market to crash as soon as you retire.

It’s unfortunate, since the market is outside of your control.

On the other hand, you are not powerless.

Today, you will discover how to manage the sequence-of-returns risk, and why your emergency fund may be the key to a stress-free retirement.

Listen now.

Show highlights include:

The “Wants and Needs” method to knowing your monthly budget (7:07)
How to reduce the risk of the market burning your savings with your emergency fund (8:50)
3 ways to cover your basic expenses for the rest of your life (10:49)
How you can afford the things you enjoy (even if the market is crashing) (13:20)
How to turn your inheritance into a life-changing legacy for your family (15:07)

Disclosure:

"Clicking the Like button does not constitute a testimonial for, recommendation or endorsement of our advisory firm, any associated person, or our services. Clicking the Like button is merely a mechanism to circulate our social media page. “Like” is not meant in the traditional sense. In addition, postings must refrain from recommending us or providing testimonials for our firm."

Investing is simple.

You acquire assets to profit from their increase in value.

Yet, so many people overcomplicate it, and change their strategy whenever they feel uneasy about the markets.

The result?

They stay stuck with their portfolio, unsatisfied with their returns.

Even if you have the best investment strategies in place, you will never have full control over the outcome.

What you can do is inform yourself, so you can decide how to invest your money to generate wealth.

In this episode, you’ll discover what behavior ruins any plan to make successful investments, what to do instead, and an overview over tried and tested investment strategies.

Listen now.

Show highlights include:

Why the urge to be in control may be holding you back from successful investments (0:45)
Why the bond market offers great opportunities (even if it seems to be going down right now) (5:40)
How structured products can enrich your portfolio by reducing the risk of volatile assets (10:05)
Why dollar cost averaging and annuities can work for you (and when it’s better to forego them) (12:05)

Disclosure:

"Clicking the Like button does not constitute a testimonial for, recommendation or endorsement of our advisory firm, any associated person, or our services. Clicking the Like button is merely a mechanism to circulate our social media page. “Like” is not meant in the traditional sense. In addition, postings must refrain from recommending us or providing testimonials for our firm."

The holidays are over, and 2023 is already in full swing.

This means two things:.

Even though 2022 is over, it’s still impacting our plans to protect our wealth, health and relationships.
This year will bring its own financial challenges along with opportunities we can take advantage of.

And being aware of them is the first step to making smart financial decisions.

Instead of wild speculations, you will get a list of the financial developments you can expect, so you can navigate them wherever you are on your journey of retirement.

In this episode, you will discover how to attain higher education easier than ever, and new chances and risks for your investments.

Listen now.

Show highlights include:

How remote work is most likely going to improve your family life (1:30)
A tool that simplifies managing your expenses amidst this budget-tightening inflation (3:42)
Why higher education is getting attainable for people from all walks of life more than ever before (5:36)
The surprising reason people unretire (and what it teaches us about living our lives with purpose) (7:51)
Why “There Is No Alternative” is true (and how to limit the risk of your investments regardless) (9:24)
Two surprisingly well performing assets you might want to include into your portfolio (14:25)
How you can take care of your health proactively (even if health care costs will continue to rise in the future) (17:00)

Disclosure:

"Clicking the Like button does not constitute a testimonial for, recommendation or endorsement of our advisory firm, any associated person, or our services. Clicking the Like button is merely a mechanism to circulate our social media page. “Like” is not meant in the traditional sense. In addition, postings must refrain from recommending us or providing testimonials for our firm."

When it comes to retiring, how to invest your money is always in focus.

Since there is so much to think about with diversification and never ending trends, you may neglect something equally important:

Retirement distributions..

Why?

Because making a mistake in your distributions can burn a hole in your finances when it’s time to retire.

The IRS has strict rules regarding withdrawals. And breaking them unknowingly can cost you your hard earned profits.

On the other hand, there are different types of retirement distributions. If you retire in times of turbulent markets, there are ways to protect your investments.

In this episode, you will uncover the most important rules of retirement distributions, how to take advantage of exceptions, and how to protect your investments in a bad market.

Listen now.

Show highlights include:

How to never worry about taxes for your IRA again (1:29)
The little known exceptions that allow to take money out of your IRA before you’re 59 (without risking a 10% penalty) (4:03)
The 2 rules to avoid penalty payments when you approach the required minimum distribution age of your IRA (6:34)
2 ways to protect your retirement distributions when the market goes down (9:18)
Why annuities can be more harmful than they seem (and when they can be useful) (11:57)

Sources:

https://www.medishare.org/medishare-difference/

https://www.healthcare.gov/see-plans/#/

https://chministries.org/programs-costs/

https://samaritanministries.org/classicbasic/cost

https://www.federalregister.gov/documents/2020/06/10/2020-12213/certain-medical-care-arrangements

https://healthcostinstitute.org/hcci-research/hmi-2018-prive-level-v-growth?highlight=WyJwcmljZSIsImluZmxhdGlvbiJd

https://khn-org.cdn.ampproject.org/c/s/khn.org/news/article/diagnosis-debt-investigation-100-million-americans-hidden-medical-debt/amp/

Disclosure:

"Clicking the Like button does not constitute a testimonial for, recommendation or endorsement of our advisory firm, any associated person, or our services. Clicking the Like button is merely a mechanism to circulate our social media page. “Like” is not meant in the traditional sense. In addition, postings must refrain from recommending us or providing testimonials for our firm."

Healthcare may be the most dreaded topic in regards to retirement.

Since the traditional healthcare system seems so complicated, most people lose track of how it works, and make decisions that make a healthy retirement impossible.

But it doesn’t have to be that way.

Understanding how the healthcare system works is the first step to assess your situation, so you can make the right decisions for your future.

You can be in charge of your health, if you know about the options you have at your disposal.

In this episode, you will get the answers to the most common questions regarding the health care system, and helpful additions to traditional health insurance, so that you can retire without worrying about your health.

Listen now.

Show highlights include:

How traditional healthcare holds the middle class back from ensuring a healthy retirement (2:42)
The difference between Medicare and Medicaid (and how they contribute to your health care) (7:33)
How to combine a high deductible plan with a health savings account to make the most of traditional healthcare (12:29)
How Christian healthcare sharing helps you to pay for unexpected and expensive treatments (without bankrupting yourself) (14:37)

Sources:

https://www.irs.gov/retirement-plans/retirement-plans-faqs-regarding-iras-distributions-withdrawals
IRS, Actuarial Tables, IRS.GOV (June 15, 2022 11:15 AM), https://www.irs.gov/retirement-plans/actuarial-tables

"Clicking the Like button does not constitute a testimonial for, recommendation or endorsement of our advisory firm, any associated person, or our services. Clicking the Like button is merely a mechanism to circulate our social media page. “Like” is not meant in the traditional sense. In addition, postings must refrain from recommending us or providing testimonials for our firm."

2022 has been an eventful year.

And unfortunately, some happenings had bad effects on our economy.

Russia invading Ukraine made our problems with inflation even worse. The following energy crisis led to soaring inflation.

Fortunately, there is good news, like the plans to become independent from foreign countries. And even bad occurrences like the FTX-scandal can help you to prepare to make wiser decisions in 2023.

In this episode, you will get an overview of the 10 most important things that happened in 2022, and what they mean for your wealth and your overall wellbeing.

Listen now.

Show highlights include:

Why Disney’s new CEO will most likely focus on telling good stories again (and what this teaches about the priorities of your business) (1:20)
The making of a neutral news source for you to make the right decisions (3:59)
The basics of what the Fed is doing to stabilize the economy (and what this means for the housing market) (7:27)
How the Midterm election results create a historic opportunity for the economy to thrive again (14:01)

Disclosure:

"Clicking the Like button does not constitute a testimonial for, recommendation or endorsement of our advisory firm, any associated person, or our services. Clicking the Like button is merely a mechanism to circulate our social media page. “Like” is not meant in the traditional sense. In addition, postings must refrain from recommending us or providing testimonials for our firm."

One of the best ways to spend your money is to travel.

Sure, its benefits are not as tangible as buying a house or a car, and it lasts only for a limited time.

But priceless experiences which then become dear memories are the reward.

Of course, there is a risk the travel you look forward to can turn out to be a disappointment, but there are some key aspects to make sure this doesn’t happen to you.

Today, Edward Leos from The Hotel Guide shares how to reverse the risk of making travel choices you regret and the many opportunities to have lasting travel experiences that await you in 2023.

Listen now.

Show highlights include:

Why cruises are getting a worthy travel opportunity for you to make lasting memories again (6:33)
How to keep an overview of the abundant travel options (without worrying about making the wrong decision) (8:03)
The many opportunities of wellness travel (and how it helps you to restore your mind and body) (9:10)
A travel expert’s advice on traveling on a budget (without the burden of constant flight delays) (11:54)
The “Playlist” method to creating vivid travel experiences you remember even after decades (14:49)

Disclosure:

"Clicking the Like button does not constitute a testimonial for, recommendation or endorsement of our advisory firm, any associated person, or our services. Clicking the Like button is merely a mechanism to circulate our social media page. “Like” is not meant in the traditional sense. In addition, postings must refrain from recommending us or providing testimonials for our firm."

Most people have a negative view on what is going on in the world.

And the apparent decrease in faith - especially in the younger generations - seems to confirm this bad outlook.

But even if this is true, things may not be as dark as they seem.

Thanks to independent groups that share the word of God, there are many ways to impact millions of lives in the US and around the world.

In this episode, Hank Hornstein from Decision Point shares the impact spreading Christian values still has, and what the most effective way of reaching young Americans today is.

Listen now.

Show highlights include:

What every potential investor needs to know about the Eagle Ford area and its lucrative mineral rights (1:44)
The pure magic of how your faith gives you a sense of direction (even if you have not been acting out of conviction before) (4:39)
Why Catholic Brazilians are more receptive to evangelical core values than students in the U.S. (even if their prior knowledge of the Bible may be shallow) (11:12)
The single most-used evangelistic tool that enables to convert millions of people (16:15)
How to support today’s youth on their mission to discover the hope of Jesus (even in allegedly impossible areas like California) (19:10)

Disclosure:

"Clicking the Like button does not constitute a testimonial for, recommendation or endorsement of our advisory firm, any associated person, or our services. Clicking the Like button is merely a mechanism to circulate our social media page. “Like” is not meant in the traditional sense. In addition, postings must refrain from recommending us or providing testimonials for our firm."

People tend to deny the importance of setting goals the closer they get to retirement.

They argue it’s something for the younger generations, that they’re too busy.

This couldn’t be further from the truth. But it’s understandable if you consider that ambitious goals rarely come to fruition.

But there is a reason why some people seem to excel while others get stuck. They’ve mastered the skill of setting and achieving goals.

In this episode, you will uncover a simple action plan to start setting—and achieving— the right goals, so you can make sure you live a life by design and not by default.

Listen now.

Show highlights include:

Why setting the most ambitious goals is in your best interest (even if you don’t achieve them) (2:41)
The “Have-Do-Be” method to gain instant clarity on the goals you want to pursue more than anything else (5:06)
6 of the most important areas in your life to set goals in (and how to map out your path to success) (6:42)
What the most successful people understand about goals and desires (and how they lay out every step of their action plan) (9:01)
The “75% Rule” to stack achievements which amplify your personal growth effectively (12:35)
The “Shower Power” method to ensure your goals are top of mind (so you never look back with regret about what could have been) (13:32)

Disclosure:

"Clicking the Like button does not constitute a testimonial for, recommendation or endorsement of our advisory firm, any associated person, or our services. Clicking the Like button is merely a mechanism to circulate our social media page. “Like” is not meant in the traditional sense. In addition, postings must refrain from recommending us or providing testimonials for our firm."

Most things in life turn out differently than we expect them to.

A new technology can turn an industry upside down.

Getting the degree we aspire, only to end up in a dead-end job, gives birth to opportunities elsewhere.

Even if you can’t prevent, much less evade these sudden changes, you can turn them into an advantage.

The key is to have a specific goal so you can always act according to your priorities.

This is an ongoing process in life but if done correctly, you can reap the rewards when it’s time to retire.

In this episode, Mark Goldman shares how to change your career path without prior experience, how to start a business while growing a family, and how to tell when it's the right time to retire

Listen now.

Show highlights include:

The truth behind what makes a good accountant (and why they are so difficult to find for small businesses these days) (5:07)
The only proven way to excel in your career and in business (without sacrificing the happiness of your family) (10:53)
How to spot early warning signs to gradually shift into retirement (15:47)
How committing to a specific plan automatically creates the best opportunities for an effortless retirement (17:45)

Disclosure:

"Clicking the Like button does not constitute a testimonial for, recommendation or endorsement of our advisory firm, any associated person, or our services. Clicking the Like button is merely a mechanism to circulate our social media page. “Like” is not meant in the traditional sense. In addition, postings must refrain from recommending us or providing testimonials for our firm."

Losing your steady salary is amongst the main reasons we don’t retire as soon as we’d like to.

So we go through with our work until the Medicare coverage starts at 65, sacrificing our health in order to have financial stability in retirement.

But this attitude towards retirement is a form of self-sabotage.

Why?

Because the transition into retirement does not have to be a zero-sum game where we choose the lesser of two evils.

Rather, it’s a time to evaluate the risks of what we want to achieve as soon as we retire.

In this episode, former media seller Michelle Jacobson shares how to deal with financial strains in your transition into retirement, the key to engaging commercials, and meaningful community work in San Antonio.

Listen now.

Show highlights include:

Why most ads are tedious and annoying (and how the best marketers create engaging commercials) (4:33)
How waiting for Medicare can cost you your health (even if retiring before 65 burns a hole in your finances) (13:52)
How to make the most of your travel experience (without having to leave the US) (16:01)
The best nonprofit organizations to end the widespread family poverty in San Antonio (17:52)

Disclosure:

"Clicking the Like button does not constitute a testimonial for, recommendation or endorsement of our advisory firm, any associated person, or our services. Clicking the Like button is merely a mechanism to circulate our social media page. “Like” is not meant in the traditional sense. In addition, postings must refrain from recommending us or providing testimonials for our firm."

A small family business fills its owner with pride, and motivates them to leave a legacy for their family.

But most small businesses have something in common: It’s just a job without time for a vacation with your loved ones.

Despite being skilled in your field, you don’t pay yourself enough for all your hard work.

But it doesn’t have to be this way.

The solution?

Set up systems and build a team, so you can focus on growth instead of getting caught in the trenches.

In this episode, Rich Allen, author of The Ultimate Business Tune Up and the CEO of Tour de Profit, shares the business framework that unlocks freedom—while growing your business.

Listen now.

Show Highlights include:

Why prioritizing generational wealth may hurt your family more than anything else (6:17)
The pure magic of worrying less (and how to use it to make more time for your most cherished activities ) (11:50)
The simple, yet difficult way small business owners can build a legacy (without sacrificing their vacation or time with their family) (14:13)
How comparing your business to riding a bike helps you break through your goals (15:36)
The truth behind growing your business by working less (even if you think it might collapse without you) (18:30)

Disclosure:

"Clicking the Like button does not constitute a testimonial for, recommendation or endorsement of our advisory firm, any associated person, or our services. Clicking the Like button is merely a mechanism to circulate our social media page. “Like” is not meant in the traditional sense. In addition, postings must refrain from recommending us or providing testimonials for our firm."

If you’re looking for options to donate to charity, you may have heard of donor-advised funds.

Not only can donating to charity serve the purpose of biblical generosity, but they also have the pleasant side effect of tax deductions.

But donor-advised funds lure us with higher tax deductions and less paperwork.

Unfortunately, most of those funds’ secular sponsors tend to oppose conservative and Christian charities, which massively erodes the trust in them.

The solution can be a Christian donor-advised fund with a sponsor who actively proclaims and stands for those values.

In this episode, Ryan Assunto, the President of the National Christian Foundation in Austin, shares how to advance our charitable causes in alignment with our values in an efficient and impactful way.

Listen now.

Show highlights include:

Why charity-inclined business owners outmaneuver the clutches of the IRS (0:59)
How to take an immediate tax deduction (without having to decide what charity to support on the spot) (7:37)
The fatal mistake almost all donors make when they choose a sponsor who locks away their property (11:21)
How to avoid capital gains on your assets with the help of donor-advised funds (14:31)

Disclosure:

"Clicking the Like button does not constitute a testimonial for, recommendation or endorsement of our advisory firm, any associated person, or our services. Clicking the Like button is merely a mechanism to circulate our social media page. “Like” is not meant in the traditional sense. In addition, postings must refrain from recommending us or providing testimonials for our firm."

Many people don’t consider this:

But retirement is something that is not defined in the bible.

Does this mean we should be working forever? Should we not strive for working less and spending more time with our loved one’s?

Certainly not. But it can help us put what we expect our retirement to be like into a new perspective.

In this episode, my friend Nico LaHood shares how our faith in God helps us find a purpose that fulfills our lives even after we retire.

Listen now.

Show highlights include:

Meet the attorney who was demonized for speaking the truth about his son’s vaccination (1:05)
How one profound conversation with God can redeem and set you up up to build a legacy for your family (5:57)
The only proven way to defend what you believe in against the contradictory noise from the outside (by strengthening your ability of critical thinking) (10:19)
Why even our greatest professional success only fills us with pride if it serves a higher purpose (and why we never really retire) (15:00)
The mental shift that saves us from falling prey to our professional lives by establishing personal priorities (18:34)
How our faith can make it easy for us to be disciplined and to take control of our health (21:01)

Disclosure:

"Clicking the Like button does not constitute a testimonial for, recommendation or endorsement of our advisory firm, any associated person, or our services. Clicking the Like button is merely a mechanism to circulate our social media page. “Like” is not meant in the traditional sense. In addition, postings must refrain from recommending us or providing testimonials for our firm."

Did you know fiduciaries legally have to invest in your best financial interest?

…even if it means your investments enable hazardous sweatshops, lung cancer, and gambling addictions!

Until recently, you’d have a dilemma on your hands as a Christian: Profits or your faith?

Thankfully, there’s a new wave of investing that lets you earn high returns without sacrificing your Christian morals: Biblical Responsible Investing.

In this episode, you’ll discover how Christian fiduciaries can help you grow your nest egg safely (without feeding a guilty conscience).

Listen now.

Show Highlights Include:

Why your investment could be supporting sweatshop factories (and how to help good Christian companies instead) (1:44)
One employee review website to check before you buy a stock (forget this and you may be supporting modern day slavery) (5:00)
Why “Biblical Responsible” investments tend to generate higher returns than their sinful counterparts (7:08)
The “Biblical ETF” method for supporting Christian businesses (without paying exorbitant management fees) (13:52)

References:

Does socially responsible investing hurt investment returns?
A Research Study on Faith Based Funds Performance Relative to Industry Averages

Disclosure:

Clicking the Like button does not constitute a testimonial for, recommendation or endorsement of our advisory firm, any associated person, or our services. Clicking the Like button is merely a mechanism to circulate our social media page. “Like” is not meant in the traditional sense. In addition, postings must refrain from recommending us or providing testimonials for our firm.

Biblically Responsible Investing(“BRI”) involves, among other things, screening for companies that fit within the goal of investing in companies aligned with biblical values. Such screens may serve to reduce the pool of high-performing companies considered for investment. Investing involves risk. BRI investing does not guarantee a favorable investment outcome.

Your career is more than a source of income. It provides you with a social network, variety and meaning in your life.

But what happens when your job grows dull?

Staying in a dead-end career is a recipe for burnout and depression. But if retiring is not an option for you, what can you do?

Pivot! Just like today’s guest Dana Jacobson did. He shares how to keep life interesting through multiple career changes.

In this episode, you’ll discover how to bring meaning and variety back to your life when your job grows dull.

Listen now.

Show Highlights Include:

A simple way to serve your community by having fun with your kids (12:46)
The “optimist-practical” trap that could hold you back from a successful career change (14:28)
How to ensure your spouse’s support with your next career change (even if it seems risky) (15:01)
3 habits that give your family name a good reputation that lasts for generations (16:17)

Disclosure:

"Clicking the Like button does not constitute a testimonial for, recommendation or endorsement of our advisory firm, any associated person, or our services. Clicking the Like button is merely a mechanism to circulate our social media page. “Like” is not meant in the traditional sense. In addition, postings must refrain from recommending us or providing testimonials for our firm."

Nobody wants to retire broke.

So we crunch numbers, watch our investments like a hawk, and stress over every detail of our finances to make sure we retire securely.

There’s no denying how important your finances are when it comes to retirement.

But why stress about finances, when you can open your heart to God and know that you’re going to be okay?

Today’s guest John Bell is preparing for retirement in an unusual way.

In this episode, you’ll discover how your relationship with God helps you retire peacefully (even if you don’t have a clear plan).

Listen now.

Show Highlights Include:

The 13-to-87 rule for building wealth for retirement (4:00)
One “useless” degree that gives you a head-start in almost any area of your career (4:23)
The “God Heuristic” for confidently choosing the next step in your career path (even if you have no idea what you should be doing) (6:23)
Why wealth doesn’t affect your happiness (but the direction of your wealth does) (12:10)
The surprising reason faith in God may protect you against heart attacks (18:29)

Disclosure:

"Clicking the Like button does not constitute a testimonial for, recommendation or endorsement of our advisory firm, any associated person, or our services. Clicking the Like button is merely a mechanism to circulate our social media page. “Like” is not meant in the traditional sense. In addition, postings must refrain from recommending us or providing testimonials for our firm."

Listen now to discover where the Top 5 cities in Texas are!

Show highlights include:

Why niche.com thinks The Woodlands is the best city for you to live in America (1:39)
How having a legendary reenactment in Settler's Park each year lets you participate in Texan history (4:28)Living in a great city is knowing your neighbors, having great restaurants close, and feeling part of the community.
But it's hard to find the right city, especially if you'll commit by moving across the country.
That's why in this episode a Texan put together a list of the Top 5 best cities to live in Texas. Each city has its own unique story.
Why living off of the Chisholm Trail in the Wild Wild West lets you enjoy this part of Texas known as Hell's Half Acre (6:59)
How a Roman Catholic city struggling to grow gives you the best opportunity to live in (10:14)
Why splitting your time between two major cities lets you experience more of the Texas traditions (13:19)

Grab your free copy of the “Retire In Texas” ebook now by heading over to PAXfinancialgroup.com.

Links:

https://www.after55.com/blog/houston-retirement-guide-pros-cons/

https://www.lifestorage.com/blog/moving/moving-to-houston/

This stat might shock you:

Your chance of having a heart attack goes up 40% after retirement. And almost one third become depressed at this stage of life.

But retiring itself isn’t the cause. The real problem is that retirees often lose their sense of purpose after leaving the workplace.

Thankfully, it’s easy to find God’s purpose for you after retirement.

In this episode, our guest Brad Hobbs shares how personality profiles help you find your purpose and identity after you leave the workplace.

That way, you can live a long, healthy and enjoyable life after retirement.

Listen now.

Show Highlights Include:

The “game ball” strategy for encouraging kids to put God first (4:57)
How to leave a lasting legacy to your children (even if they have no interest in inheriting your assets) (6:46)
The weird reason asking “why am I here?” could protect you against heart disease (12:42)
How to identify God’s purpose for you by uncovering your “3 pieces” (13:22)
The “goodness” trap that could cripple your family legacy (and how to avoid it) (16:19)

Disclosure:

"Clicking the Like button does not constitute a testimonial for, recommendation or endorsement of our advisory firm, any associated person, or our services. Clicking the Like button is merely a mechanism to circulate our social media page. “Like” is not meant in the traditional sense. In addition, postings must refrain from recommending us or providing testimonials for our firm."

This stat might shock you:

Your chance of having a heart attack goes up 40% after retirement. And almost one third become depressed at this stage of life.

But retiring itself isn’t the cause. The real problem is that retirees often lose their sense of purpose after leaving the workplace.

Thankfully, it’s easy to find God’s purpose for you after retirement.

In this episode, our guest Brad Hobbs shares how personality profiles help you find your purpose and identity after you leave the workplace.

That way, you can live a long, healthy and enjoyable life after retirement.

Listen now.

Show Highlights Include:

The “game ball” strategy for encouraging kids to put God first (4:57)
How to leave a lasting legacy to your children (even if they have no interest in inheriting your assets) (6:46)
The weird reason asking “why am I here?” could protect you against heart disease (12:42)
How to identify God’s purpose for you by uncovering your “3 pieces” (13:22)
The “goodness” trap that could cripple your family legacy (and how to avoid it) (16:19)

Disclosure:

"Clicking the Like button does not constitute a testimonial for, recommendation or endorsement of our advisory firm, any associated person, or our services. Clicking the Like button is merely a mechanism to circulate our social media page. “Like” is not meant in the traditional sense. In addition, postings must refrain from recommending us or providing testimonials for our firm."

We all want the best for our grandchildren’s careers. And a great career starts with a great education.

But top schools turn away more than 95% of applicants. So if you want them to join a great school, the best time to prepare them is now.

Today’s guest, independent education consultant, Dr. Andrew Riley shares how to navigate the college admissions process.

In this episode, you’ll discover how to give your grandchild the best shot of landing a place in the USA’s most competitive colleges.

Listen now.

Show Highlights Include:

Why encouraging your freshman grandchild to volunteer at the local dog shelter helps them get into Harvard (even though they can’t apply until senior year) (5:48)
A new service that gives your grandchildren the best shot at landing an Ivy League college scholarship (6:41)
How to use the “going merry” database to find low-competition scholarship opportunities that other students miss (11:12)
How your grandchild can 2x their chances of landing a scholarship with the “recycling” trick (13:15)
2 ways to ensure your grandchildren never have money troubles in college (for as little as $0) (16:20)

Disclosure:

"Clicking the Like button does not constitute a testimonial for, recommendation or endorsement of our advisory firm, any associated person, or our services. Clicking the Like button is merely a mechanism to circulate our social media page. “Like” is not meant in the traditional sense. In addition, postings must refrain from recommending us or providing testimonials for our firm."

We all want the best for our grandchildren’s careers. And a great career starts with a great education.

But top schools turn away more than 95% of applicants. So if you want them to join a great school, the best time to prepare them is now.

Today’s guest, independent education consultant, Dr. Andrew Riley shares how to navigate the college admissions process.

In this episode, you’ll discover how to give your grandchild the best shot of landing a place in the USA’s most competitive colleges.

Listen now.

Show Highlights Include:

Why encouraging your freshman grandchild to volunteer at the local dog shelter helps them get into Harvard (even though they can’t apply until senior year) (5:48)
A new service that gives your grandchildren the best shot at landing an Ivy League college scholarship (6:41)
How to use the “going merry” database to find low-competition scholarship opportunities that other students miss (11:12)
How your grandchild can 2x their chances of landing a scholarship with the “recycling” trick (13:15)
2 ways to ensure your grandchildren never have money troubles in college (for as little as $0) (16:20)

Disclosure:

"Clicking the Like button does not constitute a testimonial for, recommendation or endorsement of our advisory firm, any associated person, or our services. Clicking the Like button is merely a mechanism to circulate our social media page. “Like” is not meant in the traditional sense. In addition, postings must refrain from recommending us or providing testimonials for our firm."

Consumer prices in the US are rising at the fastest rate they have in decades.

It’s called inflation. And left unchecked, it can erode your life savings. But don’t stress. This is not the first time we've been through it.

Today’s guest, retired company executive Keith Roland, shares his experience with inflation and what you can learn from it to protect your assets.

In this episode, you’ll discover how lessons from the Jimmy Carter era can help protect your assets in today's turbulent financial times.

Listen now.

Show Highlights Include:

The “paper route plus” method that your 13 year old could use to make more than a college student (6:14)
How to retain your business’ team members for decades (even if your competitors offer a bigger salary) (7:37)
An obvious-but-common financial mistake that erodes your life savings in times of inflation (9:10)
The root cause of “retirees’ guilt” (and how to cure it, while making a little cash on the side) (12:37)

Disclosure:

"Clicking the Like button does not constitute a testimonial for, recommendation or endorsement of our advisory firm, any associated person, or our services. Clicking the Like button is merely a mechanism to circulate our social media page. “Like” is not meant in the traditional sense. In addition, postings must refrain from recommending us or providing testimonials for our firm."

Consumer prices in the US are rising at the fastest rate they have in decades.

It’s called inflation. And left unchecked, it can erode your life savings. But don’t stress. This is not the first time we've been through it.

Today’s guest, retired company executive Keith Roland, shares his experience with inflation and what you can learn from it to protect your assets.

In this episode, you’ll discover how lessons from the Jimmy Carter era can help protect your assets in today's turbulent financial times.

Listen now.

Show Highlights Include:

The “paper route plus” method that your 13 year old could use to make more than a college student (6:14)
How to retain your business’ team members for decades (even if your competitors offer a bigger salary) (7:37)
An obvious-but-common financial mistake that erodes your life savings in times of inflation (9:10)
The root cause of “retirees’ guilt” (and how to cure it, while making a little cash on the side) (12:37)

Disclosure:

"Clicking the Like button does not constitute a testimonial for, recommendation or endorsement of our advisory firm, any associated person, or our services. Clicking the Like button is merely a mechanism to circulate our social media page. “Like” is not meant in the traditional sense. In addition, postings must refrain from recommending us or providing testimonials for our firm."

Most of us die with regrets. Amongst the top ones?

“I wish I had worked less”... “I wish I had spent more time with the people I loved”... and “I wish I had lived my own life”.

And a major cause of these regrets?

Retiring too late.

Imagine if instead of email notifications, your phone was flooded with phone calls from your loved ones… wanting to meet for coffee on a Wednesday morning, make travel plans, or

That could be your life in retirement.

Today’s guest Mary Brooksbank retired 4 weeks ago. She put it off for 6 months. And now she’s here to paint a picture of how your retired life could be.

In this episode, you’ll discover how to mentally prepare for retirement, so you can work less, spend more time with the ones you love, and live your best life.

Listen now.

Show Highlights Include:

The weird way talking like a broken record prepares you for a seamless retirement (2:51)
How school sports could help your children reach the top of the career ladder (12:01)
The hidden “statement risk” that’s scientifically proven to harm your investment portfolio (14:47)
Why a “protection mind” prevents you from enjoying retirement (and how to reverse this with Starbucks and a new car) (15:12)
How to avoid a boring retirement with two words (even if your entire social network are your colleagues) (17:30)

Disclosure:

"Clicking the Like button does not constitute a testimonial for, recommendation or endorsement of our advisory firm, any associated person, or our services. Clicking the Like button is merely a mechanism to circulate our social media page. “Like” is not meant in the traditional sense. In addition, postings must refrain from recommending us or providing testimonials for our firm."

Most of us die with regrets. Amongst the top ones?

“I wish I had worked less”... “I wish I had spent more time with the people I loved”... and “I wish I had lived my own life”.

And a major cause of these regrets?

Retiring too late.

Imagine if instead of email notifications, your phone was flooded with phone calls from your loved ones… wanting to meet for coffee on a Wednesday morning, make travel plans, or

That could be your life in retirement.

Today’s guest Mary Brooksbank retired 4 weeks ago. She put it off for 6 months. And now she’s here to paint a picture of how your retired life could be.

In this episode, you’ll discover how to mentally prepare for retirement, so you can work less, spend more time with the ones you love, and live your best life.

Listen now.

Show Highlights Include:

The weird way talking like a broken record prepares you for a seamless retirement (2:51)
How school sports could help your children reach the top of the career ladder (12:01)
The hidden “statement risk” that’s scientifically proven to harm your investment portfolio (14:47)
Why a “protection mind” prevents you from enjoying retirement (and how to reverse this with Starbucks and a new car) (15:12)
How to avoid a boring retirement with two words (even if your entire social network are your colleagues) (17:30)

Disclosure:

"Clicking the Like button does not constitute a testimonial for, recommendation or endorsement of our advisory firm, any associated person, or our services. Clicking the Like button is merely a mechanism to circulate our social media page. “Like” is not meant in the traditional sense. In addition, postings must refrain from recommending us or providing testimonials for our firm."

Employers always say “we value experience”. But as soon as they see gray hair and wrinkles they want someone with “a bit more runway”.

If you’re in your 60’s or above, the odds of landing a great job are against you.

Your safest choice is to stay with your original company. But it’s good to have a back up plan, as today’s guest found out first hand.

At 65+ years old, Steve Manuel’s decades of experience in the finance industry turned into 9 months of joblessness. Now he’s getting paid for his experience, and he’s here to show you how to do the same.

In this episode, you’ll discover how over-65’s can land “mentorship” roles and stay in the workforce (even if it feels impossible to land a job now).

Listen now.

Show Highlights Include:

An annual Christian habit for helping your children understand money (6:03)
How to identify a trustworthy financial planner by looking at their pricing structure (10:22)
The “just tell me what to do” principle that lets you find a high-ROI financial planner by trusting your gut (14:01)
How a deep relationship with Christ helps you find your dream job (even when the odds are stacked against you) (16:52)

Disclosure:

"Clicking the Like button does not constitute a testimonial for, recommendation or endorsement of our advisory firm, any associated person, or our services. Clicking the Like button is merely a mechanism to circulate our social media page. “Like” is not meant in the traditional sense. In addition, postings must refrain from recommending us or providing testimonials for our firm."

When most of us imagine retirement, we conjure dreams of freedom, wealth and travel.

So why is it that so many people throw away their golden years isolating themselves from the community, watching Fox News, and tending to their flower beds?

Lack of preparation.

Today’s guest, retired teacher and coach Rick Smith, shows you how you can travel more in the first 4 months of retirement than in the rest of your life combined.

In this episode, you’ll discover how to retire on a high note and enjoy the freedom, wealth and travel you deserve.

Listen now.

Show Highlights Include:

Why ditching the “Coffee Can” mentality helps you avoid regret when you retire (13:54)
2 retirement “side jobs” to keep you engaged in the community (and pay for your next vacation) (15:43)
The “Fox News and Flower Beds” trap that turns retirement from an exciting journey into a dull existence (17:09)
How to retire with a hefty nest egg (even if you don’t know how to invest your money) (17:30)

Disclosure:

"Clicking the Like button does not constitute a testimonial for, recommendation or endorsement of our advisory firm, any associated person, or our services. Clicking the Like button is merely a mechanism to circulate our social media page. “Like” is not meant in the traditional sense. In addition, postings must refrain from recommending us or providing testimonials for our firm."

You’ve been blessed with skills over the course of your career. But what are you going to do when you retire?

Wasting your God-given skills is a sure road to depression. That’s why we need an outlet, even after we retire.

Today’s guest is Dave Schlueter. Though he’s retired now, he’s still making a difference through God’s gift of teaching. And he’s here to show you how to make the most of your unique skills after retirement.

In this episode, you’ll discover how you can continue making the world a better place through your skills (even after retirement).

Listen now.

Show Highlights Include:

Why giving children an allowance helps them develop strong Christian values (7:37)
The “phased retirement” method for easing into retirement (without sacrificing your pension for years) (13:04)
How to prevent your God-given skills from going to waste in retirement (without going back to office politics) (16:06)
Why your spouse is anxious about your retirement (and how to calm them by understanding “the financial gland”) (17:17)

Your business could make all the money in the world. But will it buy you happiness? A family who loves you? Connection with God?

Sometimes, your business gets in the way of what really matters.

And when you pivot careers, suddenly life changes: relationships become deeper, you become closer to the Lord, and you feel overwhelmed with content.

Today’s guest Bill Loveless had a thriving construction business. But at 48 he threw it all away after a call from God. Now he helps Texans achieve peace through Christ.

In this episode, you’ll discover how listening to the Lord’s call makes room for peace and relationships.

Listen now.

Show Highlights Include:

Why woodwork gives your computer-obsessed grandchildren a sense of purpose (5:15)
How the Lord heals your childhood traumas (even if He never speaks to you directly) (11:42)
Why deepening your relationship with Christ makes you peaceful (even when fear storms the media) (17:31)
The 2000 year old, drug-free anxiety cure that’s more potent than CBD or Valium (19:05)

In the 21st century, we’re more mobile than ever. Youths from some towns flock towards opportunity, leaving their home economy to dry up. While other towns get a massive influx of outsiders - killing the culture.

But some lucky cities like San Antonio get the best of both worlds: a healthy economy (without losing its identity).

Today’s guest is Ed Arnold, editor of the San Antonio Business Journal. If you want to know what’s going on in the world of San Antonio Business, Ed is your guy.

In today’s episode, you’ll get a rundown of why San Antonio is one of the best economies to live in right now. You’ll also find out how to keep up to date on all things San Antonio business.

Listen now.

Show Highlights Include:

Why scheduling “face to face Mondays” makes your team more efficient (even if everybody is able to work from home) (6:09)
A critical resource that helps your business grow (and avoid threats) in the San Antonio region (7:17)
The easy way to discover new business owners in town (so you can forge win-win relationships that boost your bottom line) (8:00)
Why more Texans are flocking to San Antonio than any other city (and what that means for your local culture) (13:37)

There’s no question - retirement frees up a lot of time to spend on your family and hobbies. But after years of building a company, business becomes part of your identity.

Whether you realize it or not, many business owners tie their self-worth to their business. And exiting your business young can set you up for years of uncertainty… and even depression.

Unless you plan ahead.

Today’s guest Brian Booker built Explore USA RV into a Texas wide chain. Despite identity struggles after a sudden sale of the business, he’s thriving in retirement.

In this episode you’ll discover how to pivot into retirement without losing your identity along the way.

Listen now.

Show Highlights Include:

The old-school “envelope” system which helps you stay on top of finances (even in the 21st century) (3:00)
How a US-wide family trip could build you a state-wide empire by retirement (5:24)
The recruiting secret that lets you profit in any market (whether you sell RVs or snow cones) (6:55)
Why business owners have an “identity crisis” after retirement (and how to prevent it happening to you) (7:51)

Working in the same profession for years grows dull. Every day feels the same… and that’s when you know it’s time for a shake-up.

Usually this means one of two things: retire, or pivot into a new career.

And if you’re going to pivot into a new career, you may as well follow your passion!

Today’s guest Linda was born with a passion for making connections. Though the job description never existed before, she became a professional “connector”, linking people in her network for a fee.

In this episode, you’ll discover how following your passion can give new life to your career, so you can retire on a high note.

Listen now!

Show Highlights Include:

Why nasty health scares pave the way to entrepreneurial freedom (7:16)
The “prove it” strategy that turns your children into financially secure adults (9:37)
Why letting your kid put $10 into some video game stock has a high return on investment (even if you pay $20 in broker fees just to buy it) (10:06)
How to boost your business’ income by joining a bunch of strangers to talk about your weekend hobbies (17:06)

After decades in the game, your business becomes part of your identity.

So how would you feel if your business crashed into the ground after you handed over control to someone else? It’s like losing a limb.

And what if that “someone else” was your child? Imagine how a failing business could damage your relationship.

That’s why it’s so important to hand over the reins early and slowly, especially if it’s your child. If you do, not only will you get more time to spend with the people you love, but your business will thrive long after you retire.

Today’s guest Helen was in the media business for decades. Now she has successfully handed the business down to the next generation, and she’s here to show you how to do the same.

In this episode, you’ll discover how early preparation lets you hand over control of your business without drama. You’ll keep your legacy, your business will grow and you’ll finally be able to kick back and enjoy retirement!

Listen now!

Show Highlights Include:

How to instill a strong work ethic in your children (even if they don’t pay attention to a word you say) (3:23)
The “reverse reward” schedule that turns lazy, spoiled-brat kids into diligent sweethearts (3:50)
Two surprising character traits that let you excel in business (even if you’re not a driven person) (8:43)
How to land your first clients as you pivot from employment to entrepreneurship (even if you’re afraid to sell yourself because you were an employee for the last 18 years) (12:23)
The “risk reversal” method that attracts business and lets you retain clients for longer (13:41)
Why handing the reins of your business to the next generation creates freedom, a stronger business, and a lasting legacy (14:46)
How to transition your business to the next generation without damaging client relationships (18:40)

Your local business is more than an income stream. After decades of being a public face in the local community, your business becomes part of your identity.

So when the time comes to exit, it can feel like a part of your identity dies when you leave the business. Even more so when your pride and joy shuts down after you sell.

Few know the feeling more than James Kinney, one of San Antonio’s most public faces. At 43 years old, he sold the iconic Splashtown water park and pivoted into temporary retirement.

In this episode, you’ll discover why Splashtown shut down (even though it was profitable). And through this story, you’ll gather valuable insights that will help you prepare for your own business exit.

Listen now.

Show Highlights Include:

Why a sports card addiction teaches your children financial discipline (6:51)
The “New Nintendo” principle that turns want-it-all kids into frugal adults (8:05)
How to attract thousands of local eyeballs to your business without spending a dollar on ads (10:25)
The “Grind” method that lets your well-deserving family members enter executive levels at your business (without accusals of “special treatment”) (11:15)
How to sell your business for an above-market price (even if your EBITDA doesn’t justify it) (14:42)

Whether you’re working or retired, few things feel better than impacting your community in a positive way. If you can put a smile on the faces of those around you, you’ll feel fulfilled and happy.

And you can do the same, no matter what your career is now or when you plan to retire. And in this episode, you’ll hear from Barbara Fitzsimon. After working in service of her community, she retired and still volunteers to help others out.

Want to hear how to serve your community even after you’re retired? Listen now!

Show highlights include:

How you could buy a ranch for retirement with nothing but patience and bonds. (5:27)
Why helping people in your community makes you even happier than them (11:42)
The simple way to know exactly when it’s time to retire (15:08)
How to touch many people’s lives (even if you live in a tiny town) (20:41)

If you’ve ever been to Texas, you’ve probably seen a lot of oil wells. That’s because Texas has some of the most oil-rich land in America—and has produced some of the wealthiest Americans in history.

And it’s not just the oil itself: Many surrounding industries have built incredible careers and gave Texans prosperous lives.

In this episode, Texas energy veteran Lee Nivikoff stops by to share the ins and outs of working with oil and gas fields in Texas.

Not sure if you want to get involved? Listen now!

Show highlights include:

Why the media gets fracking wrong (and how fracking really works) (12:43)
Why Texas is the best place in America to get into the energy industry (15:44)
How the economic climate impacts the oil market (and why prices might go up soon) (19:10)
The counter-intuitive way a higher oil price can foster innovation and research. (21:14)

In the school days, most of us snored through history class.

But as we get older, we realize the importance of our past. If you ignore history, you miss out on valuable connections… and you risk investing in assets that plummet to zero.

Today’s guest is Ken Wise, a justice on the 14th Court of Appeals. In 2015, he started Wise About Texas, a Texas history podcast. Today, he’s here to show you how you can apply Texas history to improve your quality of life and leave a lasting legacy.

In this episode, you’ll discover how a little Texas history knowledge helps you build a valuable network, get through difficult times, and even become a better investor.

Listen now

Show Highlights Include:

The “when I get around to it” method that lets you build a legacy on the side (even if you’re swamped with work in your day job) (5:37)
Why learning about the early settlements of Texas helps you perform better at your job (6:55)
How a little “irrelevant” history knowledge lets you make meaningful friendships that reward you for decades (9:57)
Why 19th Century investment advice lets you avoid Bitcoin bubbles (10:36)
Two gifts that set your children up for a life of wealth (even though they cost almost nothing) (12:39)

Many people want to retire early so they can travel, spend time with their family, and knock things off their bucket list. But most people don't.

Why is that?

Most likely it's because you don't have a financial advisor.

Today's guest, Karen Overall, didn't have a financial advisor while she was in the Navy. She just knew she'd have her pension. After serving for 16 years, she became a civil servant with the US government and got a second pension.

But when she wanted to start traveling in her later years, that's when she realized, "I can't retire." Karen hired a financial advisor. With her two pensions and some adjustments, she was able to fill the gap and retire early. And so can you!

In this episode, you'll discover how you can fill your gap between retirement and retiring early. So you can travel, hang out with your family, and start crossing things off your bucket list!

Listen now!

Show Highlights Include:

How joining the military teaches you investment strategies (5:27)
Why having a Survivor Benefit Plan maximizes your pension from the Navy (6:56)
The insane federal pension plan that sets you up for life (8:10)
How having a financial advisor lets you retire earlier than you expect (11:28)

Owning a family business gives you the privilege to retire early. However, many folks find it difficult to navigate passing the business on to their kids.

It’s normal. Understanding a new generation and their perspective on business can be challenging. But doing so, not only sets you up for a peaceful retirement but also makes you a better entrepreneur.

Today’s guest is a single-mom turned entrepreneur, Cheri Amstrong. She’s here to show you how you can manage a thriving family business, set yourself up for an abundant retirement and build bridges between generations.

Listen now to discover how to understand our children’s generation better while building a family business that lets you retire at 58.

Show Highlights Include:

Why sending your kids to work turns them into successful adults (even if you’ve got more than enough money to support them) (3:52)
The Single Mom’s Guide to thriving in business (even in the midst of a Pandemic) (9:33)
How understanding your kid’s generation makes you a better entrepreneur (and how to bridge the gap in 6 weeks) (10:46)
How this simple advice could eliminate 80% of your child’s financial worries and lets you retire early (16:40)

Many Americans dream of retiring before 65. After all, imagine the time you'll have for your family, church and hobbies!

But financial strain, lower social security benefits, and lack of Medicare turn early retirement into a minefield.

Despite the complications of retiring young, today’s guest JK Leonard has pulled it off. After a challenging career as an attorney, he’s stepped back from law and is enjoying more free time. Now he’s here to show you how to prepare for your own early retirement.

In this episode, you’ll discover how to pivot into retirement before age 65. You’ll enjoy more time with your family, church and community - without penny-pinching in retirement.

Listen now!

Show Highlights Include:

Why tithing throughout a financial emergency sets you up for financial freedom (even if it hurts to let go of your money) (7:28)
How Michael Jordan can help you end your career on a high note (10:08)
How to dip your toes into the retired lifestyle without sacrificing all of your income (13:38)
The “sweat” method that guards against career burnout (16:04)

Caring for an elderly parent can feel like you're putting your life on hold. Between appointments, insurance plans and long term care, you barely get time for yourself.

But as today’s guest Lara Harris will show, there are ways to make it easier.

As owner of Caring Senior Service, she provides non-medical care to senior citizens between San Antonio and Austin. And in this episode, she’s here to help you find the right care for your parents.

In this episode, you’ll discover the kinds of care available for your elderly loved ones, so you can rest assured they can live their twilight years as fully as possible, while still getting the care they need.

Tune in now for a practical, informative conversation that will make managing your parent's healthcare easier.

Show Highlights Include:

3 questions that help you find a nursing home that actually cares about your loved one (11:22)
A government website that weeds out dodgy nursing homes before your parents go there (11:51)
Why your parent might be happiest in a residential care home (even if they would rather die than be dragged to a nursing home) (12:47)
A unique “adult day care” service that lets working professionals take care of their parents without taking time off work (or sending them to a nursing home) (13:52)

You've worked hard for your business over the years, pouring your heart and soul into it - and that’s worth being proud of.

But if you don’t plan for your exit now, you’ll end up burned out with no time to spend on the people you love.

So how do you keep your youthful energy as you pivot into retirement?

As you'll discover in this episode, sometimes you just have to jump when the opportunity presents itself.

Today’s guest Russ Felldin sold his fire protection business after a surprise phone call. And he’s here to show you how you can use retirement to build a legacy, do real estate deals and relive the favorite parts of your childhood - this time with your own children.

In this episode, you’ll discover the best time to retire and how to enjoy your newfound freedom to the max.

Listen now!

Show Highlights Include:

The “survivorship option” that lets married veterans protect their spouse’s finances for life (5:27)
How to keep your employees’ futures secure after you sell your business (even if they fear for their jobs) (12:54)
The systematic way to “accidentally” find lucrative real estate investments (16:29)
Eliminate 90% of your child’s financial worries with one piece of advice (19:19)

Retirement is a time when you can finally do what's been on your bucket list all these years. You can travel the world, have one-on-one moments with loved ones or even revive an old passion!

But if you don’t plan ahead, you’ll have so little energy that your retirement years will be nothing but regret and penny-pinching.

Today’s guest Tony Dodge has been a busboy, a service member and a psychologist. Now he’s retired in Texas and spends his days kayaking, traveling and leaving a legacy to his family. Now he’s sharing his story so you can do the same.

In this episode you’ll get timeless advice for planning your retirement, so you can have more fun, feel more free, and leave a lasting legacy.

Listen now!

Show Highlights Include:

Why sending your kids to work turns them into successful adults (even if you’ve got more than enough money to support them) (4:56)
How taking a walk through the bookstore turns your apathetic teen into an engaged and successful adult (6:24)
The “one-way doors” principle that helps you avoid a financial catastrophe in retirement (12:21)
Why planning your retirement early lets you travel more, take on new hobbies and take care of yourself (12:42)

Whether you’re a business owner who wants to avoid a disappointing sale value, or an employee who’s looking to create a dream lifestyle after decades of “working for the man”, this episode’s for you!

As a rare treat, today’s guest Clint Fiore has no interest in retiring any time soon.

On the contrary, his business Texas Business Buyers helps Texans prepare their businesses for maximum sale value as they pivot into retirement. Likewise, he helps long-term employees craft the lifestyle of their dreams by helping them buy stable, high-performing businesses

In this episode, you’ll discover tips and tricks that let you live a fulfilling life in your golden years, no matter whether you’re buying or selling.

Listen now!

Show Highlights Include:

Why getting a business valuation now sets you up for a wealthy retirement, even if you won’t sell for another 5 years (10:58)
Why your business will never sell if you rely on a “dangerously smart” CPA’s small business valuation (and how to price your business so it actually sells) (13:14)
The “backtrack” strategy that lets you maximize the sale value of your business (while minimizing taxes) (15:06)
How to buy a wonderful business at a bargain price today (even if the seller could make more money by waiting a few more years) (16:53)
The easy way to own a business that gives you a steady stream of income for decades to come (even though 90% of businesses fail) (19:20)

What would you do if you were approaching retirement age and were stressed in your job?

Retire and take a paycut? Continue working and get burned out? Or pray to find a new employer who prefers experience over youth?

You could do one of those. Or, you could take the fourth option that lets you live life on your own terms - without taking a major pay cut. That is, go into “entrepreneurial retirement”, just like today’s guest Oscar Garcia.

Oscar retired from the Social Security Administration after 25 years and now has his own business. He has more time to do the things he loves and feels freer than ever.

In this episode, you’ll discover how to claim back your family time and freedom without taking a hit to your income.

Listen now!

Show Highlights Include:

How to raise financially literate children (even if they won’t listen to you talk about money) (4:34)
The “doors” principle that lets you live a free and happy retirement (even if you hit a run of bad luck) (6:18)
Why sending your kids to Spanish class sets them up for career success (8:36)
Eradicate job stress without taking a paycut by going into “entrepreneurial retirement” (13:00)

After years of stress and hard work, you may be finally considering retirement.

But you may have heard horror stories of retirees who end up bored and poor because they retired too soon.

So is the grass really greener on the other side?

Today’s guest Nancy Golden confirms - the grass really is greener!

After decades of 10-hour shifts, working odd hours and dealing with disrespectful clients, she decided to put her pharmacy career behind her. And now she’s loving the free time and relaxation that retirement gives you.

In this episode, you'll discover how to pivot from a stressful career into peace, free time and enjoying your family.

Listen now!

Show Highlights Include:

The “investment paycheck” that helps you feel financially secure in retirement (even though you no longer have a salary) (14:01)
Why semi-retiring makes your job twice as enjoyable (even if you're doing exactly the same work) (16:50)
Raise money-savvy grandbabies by investing in a $21.99 gift (17:36)
Why watching The Price is Right with your kids stops them from falling into debt (19:41)
How retiring keeps your brain sharper than working 40 hours a week (20:15)

Retirement is the toughest decision you will ever make. You’ve built a life around your career, a wealth of skills that are too good to throw away… and you’ve got money coming in.

When you retire, your life turns upside down. It sometimes feels like your skills are going to waste. And when the money slows down, it can be downright scary!

So how do you decide when to make the leap?

According to today’s guest, you pray and you listen.

Today’s guest is David Robinson of the San Antonio Spurs. He retired from the NBA in 2003 and has now built over 100 schools. And today he’s here to show you how to leave a legacy to be desired, even if you struggle with retirement at first.

In this episode, you’ll discover how God gives you clarity around retirement and how to build a legacy you will be remembered for.

Listen now!

Show Highlights Include:

How a close connection with God helps you retire young without regrets (9:45)
Why retiring lets you build a legacy that your community will remember you for (even if you never work a day for the rest of your life) (13:12)
Take control of your finances by discovering which of the three “money minds” you have (15:05)
How to set your children up for life, even if you donate your entire estate to charity (16:32)
How to change lives after retirement by repurposing the talents you learned in your career (18:52)

family and your source of income.

It’s easy to feel hopeless unless you have a strategy for adapting to civilian life.

So what can you do?

Andy Smith is here to help. After 30 years in the United States Air Force, he escaped debt and built a career as a real estate agent. Now he's enjoying the twilight years of his career and he wants you to enjoy yours too.

In this episode, you’ll discover how to attack debt, find your sense of purpose and build a strong bond with your family.

Listen now!

Show Highlights Include:

How to get rid of debt in 18 months without taking on a side job or asking for a raise (14:08)
The “military tripod” you must rebuild after discharge if you want to thrive in civilian life (16:31)
Where to find a “second family” who builds you back up (even if you feel broken after leaving the military) (17:28)
Create an unbreakable bond with your grandchildren using nothing but a loaf of bread (18:39)

The loss of a loved one is devastating, to say the least.

The sad reality is that every year thousands of spouses are dying without a will- leaving their loved ones in grief, stuck and confused.

So how do you help someone in this situation?

In this episode, you’ll meet Loss of Life Advocates’ founder Esther Pipoly.

You’ll discover how to gracefully handle those delicate situations around death, including the age-old question “what to say to a friend who’s lost a family member”

Listen now!

Show Highlights Include:

The “quarterback” philosophy that helps you care for a grieving spouse, even if you have no idea what to say (1:21)
Support a grieving widow by saying the 3 P’s (11:52)
The “S-Word” you should never say to someone who’s just lost their loved one (12:39)
How “feeling words” help your friends to grieve and process their loved one’s death sooner (13:09)

If you’re thinking about a successful retirement, that means you’ve been blessed with a lot in life.

You’ve worked hard and now you’re in a position where you have money to spare. That’s worth being grateful for.

So what’s the best way to show your gratitude?

One way is to give back to your community and improve the lives of the less fortunate, just like James Allen.

As a baby, James was left on the church doorstep. Now he’s a real estate developer and NFL Hall of Fame board member. He’s done well in life and now he’s giving back any way he can.

In this episode, you’ll discover some unique ways to give back to the community, which brings you closer to God and establishes your legacy.

Listen now!

Show Highlights Include:

Why sending your kids to college lets them reach achievements worth bragging about (even if they don’t need a degree for their job) (4:37)
The 1936 book that transforms shy high school students into outgoing college students, even in the 2020’s (9:03)
Why a Texan billionaire says you should hold more cash if you want to make a huge profit (11:30)
How teaching a kid how to do a layup can transform lives (13:27)

Medicare can be a nightmare to navigate - no matter what those annoying Medicare ads try to tell you!

When do you claim it? What if you want to keep working past 65? Part A? Part B? Part C? Part D? Supplement? Advantage? Medigap?

If any of those terms and questions made you scratch your head, this episode is for you.

In this episode, Justin Elliott is here to make Medicare simple. You’ll discover how to avoid nasty bills and fees. Plus, you’ll find out how to find the right plan for you, so you can relax knowing that you and your family are fully protected - and paying the best price.

Listen now!

Show Highlights Include:

The loophole that lets a select few people claim medicare (even if you haven’t reached retirement age) (1:33)
The “7 month window” to claim Medicare (miss it, and you’ll pay an extra penalty) (1:50)
How “fully covered” individuals are getting stuck with exorbitant medical bills. Plus, how Texans can avoid these bills for about $115 (10:33)
Why you should spend more on your Medicare Supplement plan (even if a cheaper plan covers exactly the same things) (11:26)
How to “fire the government” and let an insurance company PAY YOU to join their “medicare” plan (17:31)
The “disadvantage” to an Advantage Plan that could leave you without cover on January 1st (19:38)
Why it pays to join a Medicare Supplement plan, even if you could save hundreds every month with an Advantage plan (20:35)
Instantly discover the cheapest Medicare D plan for you and your prescriptions with a simple online tool (23:35)

Have you ever noticed how common retirement advice ignores business owners?

Even if run-of-the-mill retirement advice makes financial sense, it can leave you emotionally unfulfilled.

It feels like most financial “gurus” forget that our business is a part of us. Quitting a job doesn’t even compare to selling your business.

It’s not only about selling. It’s a fine balance between finances, legacy, and finding a buyer who won’t destroy the business you worked years to build.

Chester Drash knows this better than most. He’s built and sold two businesses in his life, and he’s here to share his experience with you as he approaches retirement - so you avoid the pitfalls that conventional retirement advice ignores.

In this episode, you’ll discover how to exit your business in a way that secures your financial freedom, protects your legacy, and maintains your relationships.

Listen now!

Show Highlights Include:

The simplest “owner salary” calculation that tells you how much you should pay yourself now (so you don’t retire with a side job) (9:33)
How to safely hand over your business so the buyer doesn’t destroy what you built for years(15:17)
Two assets you must own outright if you want to eliminate 90% of financial stress in retirement (17:25)
The “money script” you developed as a child that controls every financial decision you make today (19:13)

Retirement is supposed to bring us our “golden years” where we can sit back without worrying. But no matter how much you’re looking forward to retirement, it can still be stressful.

Because when you don’t have to work, you need to build a new life. Some retirees fill their days by watching TV all day. Others become cornerstones of their communities and build lives they love.

In this episode, you’ll hear from Neal Doty. Neal is a God-loving Texan who retired in Fayetteville after 18 years as a branch manager of a family-owned electrical distributor company.

He’s created an active, meaningful retirement for himself. And in this episode, he’ll show you how you can do the same.

Listen now to find out how to retire without regrets and find new meaning in your golden years wit community service, faith and “giving just a little bit of help” every day.

Show Highlights Include:

How having only 1 dollar left in your pocket brings you closer to God (05:47)
The simple thought in your head that tells you exactly when it’s time to retire (09:21)
How to amass all the money you’ll need in retirement with nothing but a 401k (11:07)
Why you don’t need worry about feeling bored after retirement (especially if you’re an active person now) (15:52)
How to stop worrying about health issues and start living (17:09)

Are you too young to do nothing at all? Have you sat in the comfy chair for too long? Are you bored out of your mind?

Your “golden years” don’t have to be decades spent in front of the TV. It can be a fulfilling time that lets you contribute to your community.

Retirement lets you pivot into a new chapter with purpose. That’s what fellow Texan Valinda McAlister does: She brings awareness to child abuse and sex trafficking with Ransomed Life Texas.

After working in real estate for decades, she became an investor and now spends her retirement impacting her community.

Listen now to discover how to find, pursue and live your purpose in retirement.

Show Highlights Include:

What babysitting and a kitchen drawer can teach you about striving for financial freedom. (3:39)
Odd lessons you can learn from managing 45 shopping centers in a city you barely know (even if you never want to get into real estate)
How living through “The Great Recession” can set you up for a great retirement (8:49)
Why you should know when to exit your business and retire (even if you want to work another 5 years or more) (11:02)
How to sell a business when it’s time to retire (and the wallet-draining mistakes you should avoid) (11:56)
How Ransomed Life Texas lets Valinda impact her community in retirement (and how you can do the same) (16:27)
Why Garden Bridge, Texas is a great place to retire in. (18:58)

When life throws a monkey wrench into things, a lot of times you are forced to either quit or retire.

But rather than retire, pivot and change the direction of your life. And when you pivot, you start a new life or career.

Air Force veteran Rob Wainner pivoted from the military and became a college professor before starting his own physical therapy practice. He ran more than 360 offices nationwide before pivoting again to begin a coaching and leadership firm.

Listen now to discover how you can pivot in your life rather than retire.

Show highlights include:

Why buying $1 candy and fireworks in Taiwan on credit ruins your family's fortune (1:39)
How watching your grandfather run a business teaches you how to become a millionaire (4:32)
Why retiring many times lets you begin new projects (and how you can start one today) (6:35)
How hiring and training your own people to grow your business develops your best practice systems (even if you are not ready to do so) (9:44)

Grab your free copy of the “Retire In Texas” ebook now by heading over to PAXfinancialgroup.com.

Elon Musk has been a pioneer in electric cars and space travel. And now he's in Texas. But how does that affect you as a Texan?

His companies have moved from California to Texas. His footprint is everywhere from Austin to the Rio Grande.

Listen now to take advantage of Elon's next great move with your money.

Show highlights include:

Why investing any where in South Texas near an Elon Musk company secures a large retirement fund for yourself (1:30)
How making $47,000 a year lets you buy a home in Travis County and retire in Texas (and walk away from expensive California real estate) (6:42)
The "Texas Economic Development Act" that supports kids' school districts (10:20)
Why embracing freedom and liberty in Texas gives you the healthy enjoyment you're looking for in retirement (even if you already feel "free") (15:45)

Grab your free copy of the “Retire In Texas” ebook now by heading over to PAXfinancialgroup.com.

You want to retire and have the ability to live a life of leisure, with the ability to take vacations with your family and know that your bills are always paid - and then some. But what does comfortable retirement really mean?

Many people retire, and still have the worries and stress of daily life sitting on their shoulders. So… let’s hear from someone who retired and lives a life of comfort, pleasure, and simplicity.

In this episode, Scott Walker, native Texan and recently retired AT&T employee, walks us through how his financial plan set him up for a calm and stress-free retirement. He gives insights into the work ethic that brought him to where he is today- retired in comfort, with a farm of his own and grandchildren surrounding him.

Listen now to learn how you can replicate Scott’s retirement success.

Show Highlights Include:

Why instilling a strong work ethic is the most important thing any parent can do to set their child up for a financially secure life (5:00)
How being in war can help you climb the ladder to the executive suite (even without a million degrees) so that you can create a stable and comfortable financial life (7:55)
Depression-era money habits that help you become smarter with your money so that it works for you (13:30)
Why you need to be consistently saving money for rainy days (you don’t know what’s coming) (18:15)
Why you should NEVER touch your invested money (hint: it ruins your retirement) (19:00)

Grab your free copy of the “Retire In Texas” ebook now by heading over to PAXfinancialgroup.com.

When and how to retire is one of the most important decisions of your life. And it’s a tough one.

With so many considerations: money, family, church, health and your legacy… it’s no wonder many of us end up frustrated and confused.

In this conversation, Darryl interviews Steve Swann. Steve is a God-loving Texan who successfully retired after 40 years as an accountant.

Listen to this episode to discover how you can retire without regrets and spend your golden years passing down your values instead of worrying about money.

Show highlights include:

The one thing your spouse wants to know, so you can retire without a fight (9:12)
How to have more “fun money” in retirement than when you were working (9:22)
Why you shouldn’t worry about losing your mental sharpness in retirement (12:36)
The “balance principle” that lets you relax more, spend more time with your family and pass on your legacy (13:00)
The two fulfilling habits you should make time for in retirement, so you can enjoy vacations with your children and grandchildren for years to come (14:48)

Grab your free copy of the “Retire In Texas” ebook now by heading over to PAXfinancialgroup.com.

Almost everyone receives a raise at their job sometime during their career. But did you save half of that raise when you got it? You probably didn't.

So where do you learn the life skills about saving for retirement? Some people learn from their family. But most people learn it on their own.

Dale Carse started working at HEB at a young age. While at HEB, he learned the value of saving for retirement. And with each promotion he got, he saved half of his raise. When he retired 37 years later, he had a nice nest egg to live on because he had prepared for retirement.

Listen now to find out what Dale did with his money and how you retire stress-free.

Show highlights include:

Why being afraid of retirement pays your house (11:09)
How putting $5 in a piggy bank for your grandchildren gives you the discipline to do the things you want to do (12:11)
How trying to remember what Saturday you're on lets you enjoy your retirement (and how you'll be empowered to do what you want to do with the savings you've acquired) (14:16)
Why having a financial planner 15-20 years younger than you sets you up for retirement success (15:21)
How finding your passion early on in life pushes you to fund your retirement account (17:22)

Grab your free copy of the “Retire In Texas” ebook now by heading over to PAXfinancialgroup.com.

Listen now to discover where the Top 5 cities in Texas are!

Show highlights include:

Why niche.com thinks The Woodlands is the best city for you to live in America (1:39)
How having a legendary reenactment in Settler's Park each year lets you participate in Texan history (4:28)
Living in a great city is knowing your neighbors, having great restaurants close, and feeling part of the community.
But it's hard to find the right city, especially if you'll commit by moving across the country.
That's why in this episode a Texan put together a list of the Top 5 best cities to live in Texas. Each city has its own unique story.
Why living off of the Chisholm Trail in the Wild Wild West lets you enjoy this part of Texas known as Hell's Half Acre (6:59)
How a Roman Catholic city struggling to grow gives you the best opportunity to live in (10:14)
Why splitting your time between two major cities lets you experience more of the Texas traditions (13:19)

Grab your free copy of the “Retire In Texas” ebook now by heading over to PAXfinancialgroup.com.

Links:

https://www.after55.com/blog/houston-retirement-guide-pros-cons/

https://www.lifestorage.com/blog/moving/moving-to-houston/

Texas is a part of the Bible Belt. And faith is an integral part of Texan values.

Do your Christian values align with the businesses you are investing in?

Biblical Responsible Investing is becoming more important to Texans than ever before. When investors use BRI principles to put pressure on companies to make right decisions....

....everyone benefits.

Listen now to discover how your faith and finances can make a better world!

Show highlights include:

The "Mother Earth Investment Strategy" that lets you be a steward of our environment (6:12)
How investing in salacious media companies funds human trafficking (and how you can eradicate exploitation) (7:56)
Why supporting the LGBTQ+ community forces companies to align with your Biblical worldview (10:00)
How promoting human rights holds Nike and GAP investors accountable by forcing them to not use Chinese manufacturers known for child slave labor (even if you love their products) (11:33)

Grab your free copy of the “Retire In Texas” ebook now by heading over to PAXfinancialgroup.com.

Links:

https://www.morganstanley.com/pub/content/dam/msdotcom/ideas/sustainable-investing-offers-financial-performance-lowered-risk/Sustainable_Reality_Analyzing_Risk_and_Returns_of_Sustainable_Funds.pdf

https://www.caron.org/blog/alcohol-is-killing-more-people-than-the-opioid-epidemic

https://www.cdc.gov/alcohol/features/excessive-alcohol-deaths.html

https://www.addictions.com/gambling/5-alarming-gambling-addiction-statistics/

Have you sat in your comfy chair for too long? Have you watched all the college football you can watch? Are you bored out of your mind?

These are all common things that happen to people after they retire. So why not start a business?

Texas has the best business environment to start a business. You can start a business to do something you love or to help your community or by simply making more money.

Listen now to discover how you start and run a business in Texas!

Show highlights include:

The "WalletHub Recommendation" that explains why you should start a business (1:12)
Why talking about business at Thanksgiving dinner brings your family closer together (and you can come up with some new marketing strategies too) (3:31)
How thinking about your childhood lets you discover a problem to solve that can be monetized (4:41)
Why watching Shark Tank helps you figure out which type of business you could to start (even if it is as simple a drawing cats) (5:38)

Grab your free copy of the “Retire In Texas” ebook now by heading over to PAXfinancialgroup.com.

Links:

https://wallethub.com/edu/best-states-to-start-a-business/36934

Chronic care could happen at any time. Being a caregiver for one or both of your parents can be difficult. Especially if kids are fighting with nurses and each other over the inheritance money.

So planning in advance is the answer. The question is how do you go about doing that?

There are three ways to pay for elder care. You could be rich, insured, or poor. There is no wrong answer here, it's just figuring out which is the best option.

Listen now to find out the 3 ways to take care of your parents' elder care

Show highlights include:

Why retiring at a nursing home in Texas lets you keep your retirement account (and spend time with friendly people) (4:35)
How having a partnership qualified long-term healthcare insurance policy covers your parent elder care (even if they are perfectly healthy) (6:01)
Why being broke in Texas gets you great long-term chronic care (8:17)
The counterintuitive reason keeping your wealth lets you use government health programs (8:50)

Grab your free copy of the “Retire In Texas” ebook now by heading over to PAXfinancialgroup.com.

Links:

https://nypost.com/2015/07/21/badass-grandma-sneaks-out-of-senior-center-to-get-tattoo/

https://www.youtube.com/watch?v=mZ6ZrJUNQG4

https://www.genworth.com/aging-and-you/finances/cost-of-care.html

Most Baby Boomers were raised to "go to school and get a job" with a pension or a retirement account. Additionally, the US government added social security as a way to supplement those funds not replace them.

But the overwhelming consensus about social security is that most people think it will pay for their retirement. That couldn't be further from the truth.

The government made a mistake by investing the funds in bonds and not securities. Because of that the social security program is expected to run dry by 2033.

So how do we solve the problem?

Simple. You change your spending habits and save!

Listen now to understand how to overcome this governmental negligence and still leave a legacy for your family!

Show highlights include:

Why smart people take their social security at age 70 (even if you plan on retiring early) (1:19)
How saving 15% of your gross income lets you leave a legacy for your children and grandchildren (4:49)
Why Capitol Hill is destroying your social security fund (and how you can avoid this pitfall in the future) (7:58)
How figuring out social security reassures your optimism toward retirement (and encourages you to skip buying that latte) (10:14)

Grab your free copy of the “Retire In Texas” ebook now by heading over to PAXfinancialgroup.com.

Links:

https://www.cbo.gov/publication/54868

https://www.investmentnews.com/social-security-trust-fund-depletion-moves-up-one-year-210960?NLID=MUST-READ&NL_issueDate=20210831&utm_source=MUST-READ-20210831&utm_medium=email&utm_campaign=investmentnews&utm_visit=247150&msdynttrid=xXR5fBBZvWW4Tge-cb8_qwphp01prZAz8hGDyA2Fkgg

Most people want to retire at age 65.

But do you have a plan with your financial advisor that meets your values?

Retiring in Texas has several financial reasons why you should consider it.

Darryl Lyons, President of Pax Financial, explains why you should consider retiring in Texas.

In this episode, he explores the Top 5 reasons why you should hire a financial advisor from Texas, if you're going to retire in Texas.

Show highlights include:

Why paying a higher property tax rate reduces your monthly bills (even if you live in your dream house) (1:20)
The "Texas Long-Term Healthcare Insurance Partnership Program" that doubles your health insurance value before using Medicaid (4:15)
How having flood insurance during a drought protects your family (8:53)
Why aligning your money and values lets you give 10% of your income away (10:43)

Grab your free copy of the “Retire In Texas” ebook now by heading over to PAXfinancialgroup.com.

Links

https://www.pewresearch.org/social-trends/2009/03/11/magnet-or-sticky/

https://worldpopulationreview.com/state-rankings/median-home-price-by-state

If you are close to retirement and your plan is to retire in Texas, this is the right money conversation for you. Here you will learn the Texas nitty-gritty of money and financial topics from a highly sought-after financial advisor, author, co-founder, and CEO of PAX Financial Group, Darryl Lyons. If your faith, family, and freedom are important to you, then you will love the Retire in Texas Podcast.