Episodes

  • 201: May 24, 2025: Your Money Game Plan: From First Job to Final Paycheck

    201: May 24, 2025: Your Money Game Plan: From First Job to Final Paycheck
    May 26 2025
    In this episode of The Roy Matlock, Jr. Money and Business Hour, Roy presents “The Ultimate Financial Plan,” walking listeners through the key financial stages of life—from young adulthood through retirement. The show opens with guidance for individuals aged 20–35, highlighting the importance of loving your career to solve income problems, building good money habits early, automating savings, and avoiding bad debt.

    Roy emphasizes the power of compound interest, budgeting with purpose, and getting to the first $100,000 in savings. He then transitions to the middle years (35–55), advising listeners on maximizing 401(k) contributions, building multiple income streams, considering real estate wisely, and using a bucket strategy for both investments and taxes.

    The final segment addresses pre-retirees and retirees, focusing on defensive financial planning, estate strategies, guaranteed income sources, and annuity structures. Roy stresses the need to preserve wealth, maintain diversified buckets for growth and security, and ensure long-term care and final expenses are covered.

    Throughout the episode, Roy shares personal anecdotes, practical math, and actionable advice that listeners can implement at any life stage. The episode ends with an invitation to connect for a free financial check-up.
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    43 mins
  • 200: May 17, 2025 - Building Your Financial GPS: How to Create a Plan and Stick to It

    200: May 17, 2025 - Building Your Financial GPS: How to Create a Plan and Stick to It
    May 21 2025
    In this episode of The Roy Matlock, Jr. Money and Business Hour, aired May 17, 2025, Roy dives deep into what he calls the "GPS approach" to personal finance—Goal, Plan, Schedule. He outlines how financial success doesn’t happen by accident, but by implementing a clear and structured roadmap. Roy explains that every effective financial plan begins with understanding your goals, assessing where you are today, and crafting a step-by-step strategy to get where you want to go.

    The episode covers both sides of the wealth-building equation: defense (protecting your assets and income) and offense (strategically growing your money). Roy stresses the importance of annual reviews, budgeting, proper debt management, and using tax-efficient strategies across multiple income streams. He also explains how small steps—like setting up investment accounts for children—can change a family's financial trajectory for generations.
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    43 mins
  • 199: April 26, 2025 - 21 Ways to Protect and Build Your Financial Future

    199: April 26, 2025 - 21 Ways to Protect and Build Your Financial Future
    Apr 30 2025
    In the April 26, 2025 episode of The Roy Matlock, Jr. Money and Business Hour, Roy walks listeners through 21 practical strategies to protect their income, assets, and future wealth. He begins by emphasizing the importance of proper insurance, emergency funds, and liability protection, then transitions into debt management, budgeting, and income planning. Roy also explains how to diversify income streams and investments, reduce taxes, and implement estate planning. Designed to help people at all stages of life—from young earners to retirees—this episode is a comprehensive guide to building a financially secure and stress-free life.
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    44 mins
  • 198: April 19, 2025 - Stop Losing Money: Fix Common Mistakes and Build a Rock-Solid Plan

    198: April 19, 2025 - Stop Losing Money: Fix Common Mistakes and Build a Rock-Solid Plan
    Apr 21 2025
    In the April 19, 2025 episode of The Roy Matlock, Jr. Money and Business Hour, Roy shares the top ten financial mistakes that can cost individuals between $50,000 and $500,000 over a lifetime. From procrastinating on savings to poor debt decisions and overlooking tax planning, Roy breaks down each pitfall with relatable examples and clear solutions. He then transitions into smart investing strategies, explaining how stocks, bonds, annuities, and money market funds all serve different purposes in a diversified plan. Whether you’re just getting started or nearing retirement, Roy emphasizes the importance of creating financial "buckets" tailored to your goals, risk tolerance, and timeline.
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    44 mins
  • 197: April 12, 2025 - Market Volatility, Diversification, and Planning for Financial Independence

    197: April 12, 2025 - Market Volatility, Diversification, and Planning for Financial Independence
    Apr 14 2025
    In this episode, Roy Matlock Jr. breaks down how to navigate financial markets during periods of volatility. He focuses on diversification, risk management, and the importance of automating savings. Roy also explains how to structure your portfolio across different asset classes and use fixed income and annuities to create balance—especially for retirees concerned about outliving their money. He provides a roadmap for building a solid financial plan, tailored for both young investors and those nearing retirement.
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    41 mins
  • 196: April 5, 2025 - Entrepreneurship & Exploring the Income Gap w/ Founders of Finny.ai Eden & Victoria + Dr Josh Wilson

    196: April 5, 2025 - Entrepreneurship & Exploring the Income Gap w/ Founders of Finny.ai Eden & Victoria + Dr Josh Wilson
    Apr 7 2025
    This episode focused on entrepreneurship, solving the income problem, and leveraging AI in financial services. Roy was joined by three guests: Dr. Josh Wilson(a behavioral finance expert) and startup founders Eden Ovadia and Victoria Toli, a platform using AI to match clients with financial advisors.
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    41 mins
  • 195: March 15, 2025 - Strategies for Long-Term Wealth

    195: March 15, 2025 - Strategies for Long-Term Wealth
    Mar 17 2025
    In this episode of the Roy Matlock, Jr. Money and Business Hour, Roy focuses on proven investment fundamentals that help individuals navigate market volatility, maximize financial growth, and plan for long-term success. He draws from his decades of experience in investment advising to emphasize staying disciplined, diversifying investments, and optimizing tax strategies.
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    44 mins
  • 194: March 8, 2025 - A Financial Roadmap – From Start to Retirement

    194: March 8, 2025 - A Financial Roadmap – From Start to Retirement
    Mar 10 2025
    In this episode of The Roy Matlock Jr Money & Business Hour, Roy walks listeners through a comprehensive financial roadmap, covering strategies from getting started in finance to planning for retirement.
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    43 mins