The Retirement Blueprint: Accumulation to Lifetime Income
Retirement planning is not about picking a date on the calendar and hoping everything works out. It is about building a system that transitions you from earning a paycheck to generating reliable income that lasts as long as you do — whether that is 20 years or 40 years.
In this episode of The Roy...
Risk Buckets & Tax Buckets: Stay Calm at Market Highs
When stock markets are hitting all-time highs week after week, it is natural to wonder if you should be doing something different with your money. Should you sell and lock in gains? Should you hold off on new investments until things calm down? Should you move everything to cash and wait for a corre...
Build Your Foundation and Hit Your FIN Number
Most people start a new year with good intentions but no real plan. They think about saving more, spending less, or finally getting serious about retirement — but without a clear framework, those intentions fade by February. In this episode of The Roy Matlock Jr. Money and Business Hour, Roy walks t...
What Wealthy People Do That Most People Don’t
After 40 years of helping people win with money, Roy Matlock Jr. has seen a clear pattern: wealth is not an accident. In this episode of The Roy Matlock Jr. Money and Business Hour, Roy lays out the complete financial playbook that separates people who build lasting wealth from those who work hard b...
Why People Go Broke in Retirement: Complete Financial Plan
There are two distinct phases of your financial life: accumulation (building wealth) and withdrawal (living on that wealth in retirement). Most people understand the accumulation phase reasonably well—save money, invest it, watch it grow.
But here's where people fail: the withdrawal phase is far mo...
Second Opinion on Your Money: Find $50K-$500K Blind Spots
I recently saved someone's life by performing the Heimlich maneuver at a restaurant. The scary part? I didn't even know how to do it correctly—I just got lucky. After it happened, I Googled it to see what I was supposed to do.
Here's the connection to your money: Just like that choking incident, fi...
The High Cost of Procrastination
Do you have an invisible sign on your forehead that says, "I'm not saving any money right now, and every day I'm not saving money, I feel bad"?
If you're a money procrastinator, this is your wake-up call. Today, we're going to automate, accumulate, and protect your money—and finally get it moving.
...
How to Handle Inheritances the Right Way
Every single week, one of our clients passes away. It's not morbid—it's reality. The Great Wealth Transfer is here, and it's massive.
Baby boomers and the Silent Generation will pass down an estimated $68 to $84 trillion in assets over the next few decades. That includes investments, real estate, r...
Building Your Financial Foundation
Starting a family or navigating your twenties and thirties is an exciting time—but it's also when the most costly financial mistakes happen. After 40 years of helping people fix their finances, I've seen the same pattern over and over: the decisions you make early in life can cost you between $50,00...
Mastering the Money Mindset: 10 Wealth-Building Habits the Rich Use
After 41 years in the financial business and working with over 40,000 clients, I've developed what I call "carnival vision"—I can walk into someone's home and within minutes tell you their financial situation based on what they spend money on. New car in a modest neighborhood? Probably broke with de...
