PODCAST: January 10, 2026
Habits That Decide 2026: The Financial Disciplines That Win the Money Game
In the first show of 2026, Roy Matlock, Jr. breaks down the disciplines—not motivation—that build wealth: a simple “money GPS,” automation, budgeting, and the “spend it or save it” mindset that turns small choices into big outcomes over time.
The Roy Matlock, Jr. Money and Business Hour (Air Date: January 10, 2026) focuses on the habits and systems that shape your financial future. Roy explains why discipline beats motivation, and how a “GPS” for money—Goal, Plan, Schedule—keeps you on track the same way a navigation app does. He emphasizes starting now (no procrastination), building a real budget, and using a “draft account” system where income flows in and bills + savings flow out automatically—so your progress doesn’t depend on willpower.
Roy also reframes spending through the time value of money: the same $1,000 can become thousands (or tens of thousands) over decades when invested consistently—so every purchase has an “opportunity cost.” From there, he outlines a practical “defense and offense” approach: protect your income and assets (emergency fund, term life insurance, disability coverage, liability coverage, basic estate planning), then build the offense (tax-advantaged investing, professional money management, and using tools like the SEC compound interest calculator to run the numbers). He closes with a reminder that systems create freedom—and that learning these habits early (even teaching kids) changes everything.
