Not Me, But You!

Art
  • 4.5 (16)
  • INVESTING
  • UPDATED WEEKLY

Welcome to Not Me, But You! This is likely one of the most ironically titled podcasts since the focus is designed to be on the podcast listeners rather than the podcast creator. I spent half of my life as a school administrator and I want to share with you what I've learned about education, teaching, learning, reaching your goals, attaining your dreams, developing relationships, encouragement, motivation, business, income, and money. My desire is to shine some "psychological sunshine" onto your thinking. I believe it's possible for you and me to attain our dreams in life. But often, many of us need a good teacher, a good mentor, and a good cheerleader in order to help us along the way.  I am confident that you will learn some things from me. But more importantly I want to learn something from you. I will share what I'm passionate about. But I also want to discover what you are passionate about. And by listening, you will discover how to set goals, how to track goals, how to achieve goals, how to select a good "guru" or mentor or teacher or advisor, how to make money and save money. And most of all, I want you to discover what is your most valuable asset and how to gain freedom in your life. (Answer: your most valuable asset is your TIME).  How do we do that? By buying and holding assets. But we need to learn which assets are best for us. You can become wealthy by pushing buttons on your phone! 

  1. 2D AGO

    Sea: 3 - Ep- #12 My Process Of Picking Investments- Step-By-Step (Review Of Charles Payne Webinar)

    Send a text Season 3, Episode #12. Not Me, But You! Podcast.  Connect with me/Follow me on X at: Waypa Today. Or send a message to me via email to: WaypaToday@gmail.com. I offer 1:1/small group coaching. Email me to set up a FREE 20 minute call to determine if it makes sense for us to work together.  In the last episode we talked about "sector rotation" in the stock market. Charles Payne, not a sponsor of this podcast, is a big sector rotation guy. I follow him but do NOT subscribe to any of his sales products. If you sign up for his free webinar, you won't see much screen time of Charles. You will spend a lot of time with an "instructor" who is really masquerading as a teacher but is actually a paid sales person who will attempt to convince you to pay approximately $4,000 to get access to Charles' stock picks for 12 months. I don't do that and I haven't done that. I can find stocks on my own withou paying a "subscription" for someone to do it for me.  If you want to, you can simply research the 11 different sectors of the stock market yourself! In this episode I also review some recent headlines in finance with companies like Apple, Meta, Walmart, etc. I also review the cost of these name brand stocks and then compare them to high yield/high risk dividend assets.  Typically, we invest for either growth (buy/hold) or income (immediate). I believe in CASH FLOW! If you grow your income stream FIRST, then you will find it easier to buy/hold shares of stocks like: Meta, Microsoft, Apple, Walmart, Home Depot etc.  All markets are manipulated, however, we can still find ways to consistently make money IN those manipulated markets. Don't be afraid to "vote" with your pocketbook or wallet in life. Where you choose to spend your money can influence people/behavior.  We talk about overcoming failure and fear of failure. It's possible to change your perspective on situations if you learn to think about them differently. I expect a "bumpy ride" in the markets from now until May/June 2026.  Be cautious when you research "best performing dividend stocks" because you will get stocks that are EXPENSIVE in price/share. We compare/contrast these with some high yield/high risk assets. I review my process (the "cascading waterfall approach" to investing) that I utilize when evaluating when to invest and when to grow my positions (my stack of shares) for assets.  The most important thing you can do today, after doing some research, is to take action. If you enjoy this podcast and/or get some value from it, consider sharing an episode with some of the people that you know.  #Investing, #ULTY, #MSTY, #Roth, #IRA, #Payne, #Webinar, #income, #Bitcoin, #sectors, #stocks, #FED, #Rates, #cash, #apple, #walmart, #microsoft, #meta  I'm not a financial advisor. This podcast is for education/entertainment purposes only. You will need to do your own research and accept responsibility for the results of any money you choose to invest. I love using Schwab.com to buy/sell stocks/ETF's/closed end funds/options. Schwab has a very user friendly app/website and their customer service is excellent. I can easily get to speak to a human being whenever I have questions.

    53 min

  2. 3D AGO

    Sea 3: Ep- #11 How To Use The Sector Rotation Model To Grow Your Stock Portfolio

    Send a text Season 3, Episode #11. Not Me, But You! Podcast.  Follow me/Connect with me on X at: Waypa Today. I offer 1:1/small group coaching. For set up a FREE 20 minute call email me at WaypaToday@gmail.com. You can also message me at that email if you do NOT have an X account.  We discuss Bitcoin price movement and Solana price movement with future projections relative to price. Also discuss how tech stocks are getting "hammered" in the market and also discuss "sector rotation" as a technique to use within your portfolio. Investors who use the sector rotation method are investing into "real economy" stocks that are contained in certain stock market sectors.  Energy, Materials, Industrial, Consumer Staples, Utility and Healthcare sectors.  NOTHING beats INCOME(Cash Flow!). MSTY and ULTY are STILL paying WEEKLY dividends! Charlie Munger: "The big money is not in buying/selling..."  Single stocks for growth I'm buying/holding: Tesla/MSTR/Nvidia.  We do a quick review of how to manage option positions where shares of stock have been assigned.  Have courage today, to pick one thing, and work on your dreams. We will talk again soon.  #Dividends, #Sectors, #Options, #MSTY, #ULTY, #Income, #Cash, #Flow, #Stocks, #Wealth, #IRA, #Economics, #Budget , #Time I'm not a financial advisor. This podcast is for education/entertainment purposes only. You will need to do your own research and accept responsibility for the results of any money you choose to invest. I love using Schwab.com to buy/sell stocks/ETF's/closed end funds/options. Schwab has a very user friendly app/website and their customer service is excellent. I can easily get to speak to a human being whenever I have questions.

    40 min

  3. FEB 11

    Sea: 3- Ep - #10- Roth IRA Deep Dive (Traditional IRA's Also Discussed/Roth Conversions)

    Send a text Season 3, Episode #10, Not Me, But You! Podcast.  Connect with me/Follow me on X at: Waypa Today. I offer 1:1/small group coaching. You can email me at WaypaToday@gmail.com to set up a FREE 15 to 20 minute call to see if it makes sense for us to work together.  In this episode we do a deep dive on Roth IRA's. We also discuss Traditional IRA's and Roth Conversions. There are only TWO requirements in order for you to be able to withdraw 100% TAX FREE from your Roth IRA account: One -be age 59 1/2 or older and Two -have had your Roth IRA open for at least 5 years.  Remember that you can own income producing assets INSIDE of your Roth IRA so that you can eventually withdraw JUST The INCOME and pay ZERO TAX on it! How nice is that? Not even a Traditional IRA offers you chance to do that. My overal goal at Full Retirement (as when I stopped working forever) was to have MOST of my money/assets in the Roth IRA and have as LITTLE as possible in the Traditional IRA. You can have MULTIPLE Roth IRA's and MULTIPLE Traditional IRA's. You just have stay within the yearly contribution amounts ACROSS ALL of your IRA accounts.  Max amount you can contribute to ALL IRA's depends on your age. If younger than age 50 you can contribute $7500 per year. If you are older than age 50 you can contribute $8,600 per year. Those amounts are the MAX amount you can contribute. But they do NOT count against and are NOT part of ANY Roth Conversion amount. Roth conversions have NO dollar limit.  Have courage today, to pick one thing, and work on your dreams.  #Bitcoin, #Roth, #IRA, #Retirment, #Taxes, #No Tax, #MSTY, #ULTY, #contribution, #wealth, #back-door-Roth  I'm not a financial advisor. This podcast is for education/entertainment purposes only. You will need to do your own research and accept responsibility for the results of any money you choose to invest. I love using Schwab.com to buy/sell stocks/ETF's/closed end funds/options. Schwab has a very user friendly app/website and their customer service is excellent. I can easily get to speak to a human being whenever I have questions.

    46 min

  4. FEB 8

    Sea: 3- Ep - #09- Why I Do NOT Like "Safe" or "Guaranteed" Investments (You Can Make More Money Investing Yourself!)

    Send us a text Season 3, Episode #09 Not Me, But You! Podcast.  Follow me/Connect with me on X at: Waypa Today. I offer 1:1/small group coaching. Email me at WaypaToday@gmail.com to set up a FREE 15 to 20 minute call to see if it makes sense for us to work together.  Remember that our entire lives revolve around "CASH FLOW!" And also keep in mind, that we likley need to average an ROI 14%/year on our portfolio, in order to KEEP PACE or stay ahead of the TRUE rate of inflation.  If you got $600/month for 12 months/year.  600 X 12 = $7,200/year of income. To calculate ROI =  $7,200/$300,000 = ROI (return on investment) of 0.024 = 2.4%/year. That is a very crappy ROI. And this calcuation is BEFORE we factor in the year-to-year inflation rate!  Above I have just shared the math that proves WHY I don't like "safe" investments or "guaranteed" money. That type of money often comes with a cost because the entity "guaranteeing" you a monthly check IS ABSOLUTELY investing what USED to be your money, at MUCH, MUCH, MUCH higher rates of return and keeping the difference. Food for thought. AND...your "guranteed" monthly check often does NOT ever increase, so you don't EVER get an adjustment for INFLATION! Instead you are living on a "fixed income."  If you have money sitting in a PREVIOUS employer's 401K account... you can ROLL ALL of that money into a Traditional IRA and this is NOT a taxable event. Then once the money is in your traditional IRA, you can invest it any way you choose, at MUCH, MUCH, MUCH higher rates of return.  Have courage today, to pick one thing, and work on your dreams. We will talk again soon.  #IRA, #401K, #Bitcoin, #MSTY, #ICOI, #OARK, #dividends, #ULTY, #ETF's, #Investing, #Wealth, #retirement, #annuity, #Inflation, #YouTube I'm not a financial advisor. This podcast is for education/entertainment purposes only. You will need to do your own research and accept responsibility for the results of any money you choose to invest. I love using Schwab.com to buy/sell stocks/ETF's/closed end funds/options. Schwab has a very user friendly app/website and their customer service is excellent. I can easily get to speak to a human being whenever I have questions.

    32 min

  5. FEB 6

    Sea: 3- Ep-#08- Bitcoin Crashing! (Should I Sell It All?!)

    Send us a text Season 3, Episode #08 of Not Me, But You! Podcast.  Connect with me/follow me on X at: Waypa Today. I offer 1:1 or small group coaching. You can message me at WaypaToday@gmail.com to set up a FREE 15 to 20 minute call to see if working together makes sense for us!  Investing invovles Psychology and Behavior. This is a constant that each investor needs to be aware of so that we don't make emotional decisions and panic sell and by doing so, we hurt ourselves financially.  I am NOT selling my Bitcoin. Why? Answer: Because I believe the price will go back up. People will often play "the look back game." In this game they note the price today and then lament that they didn't invest when the price was less! Do NOT spend your valuable time playing this game. It IS a waste of your valuable time. Instead look at today and figure out WHAT you can do TODAY and then look forward.  What is often true is that WEALTH is built when you invest and feel uncomfortable. Possibly you even feel terrifed to invest! Investing is a financial "blood sport." If it was easy, then everyone would already be a multi millionaire!  Long term growth and hold plays for me are: Bitcoin, MSTR stock, Tesla stock. But I'm not planning on selling ANY shares of Tesla for about 9 or 10 years! Having this longer term outlook will help you to be successful as an investor.  Time IN the market as an investor is MUCH more important than you or I TRYING to time the market! If you focus FIRST on building cash flow, then once you have your cash flow "pipeline" in place, you will ALWAYS have extra cash to invest in growth opportunities.  Taking a BALANCED approach to your portfolio is a winning strategy. Panic selling and LOCKING IN HUGE losses is NOT a winning strategy. If you have a combination of BOTH high yield/high risk assets AND LESS risky assets, then you will sleep better at night. You will also be able to "weather" the financial storms in the market more easily.  I mention a helpful website in this episode and I talk briefly about Charles Payne and tell you how to get a copy of his book at a discount.  Have courage today, and pick one thing, and work on your dreams. We will talk again soon!  #Bitcoin, #ETF's, #Income, #MSTY, #ULTY, #cash, #wealth, #Tesla, #MSTR,  #Payne, #gambling, #psychology, #behavior, #Unbreakable Investor, #Cony, #Smcy, #Oark, #STRC I'm not a financial advisor. This podcast is for education/entertainment purposes only. You will need to do your own research and accept responsibility for the results of any money you choose to invest. I love using Schwab.com to buy/sell stocks/ETF's/closed end funds/options. Schwab has a very user friendly app/website and their customer service is excellent. I can easily get to speak to a human being whenever I have questions.

    49 min

  6. FEB 1

    Sea: 3- Ep-#07 - Starting Your Own Podcast (It's Simpler Than You Think)

    Send us a text Season Three, Episode #07 Not Me, But You! Podcast.  Connect with me/follow me on X at: Waypa Today. Email me at WaypaToday@gmail.com. I offer 1:1 and small group coaching. Email me for a FREE 15 to 20 minute call to see if it makes sense for us to work together.  This podcast, although small when compared to National podcasts, is still downloaded in multiple countries across the globe and in over 1,500 cities. So my point is, even with a small podcast, you can still reach large numbers of people.  If you are thinking of starting your own podcast, just do it. Follow the general outline I provide in this episode. I also mention two of my other episodes where I go step-by-step on how to set up, record, edit, upload etc.  I use Buzzsprout to upload this podcast to multiple podcast platforms including Apple podcasts and Spotify. Please consider leaving a 5 star review and/or following on Spotify. The more reviews the podcasts receives, the easier it will be for like-minded people to find it.  I also review in this episode some highlighted episodes from 2025 that contain key concepts for investing.  Have courage today, to pick one thing, and work on your dreams. We will talk again soon.  #Podcasting, #Bitcoin, #dividends, #income, #MSTY, #ULTY, #Editing, #Uploading, #ETF's, #Wealth.  I'm not a financial advisor. This podcast is for education/entertainment purposes only. You will need to do your own research and accept responsibility for the results of any money you choose to invest. I love using Schwab.com to buy/sell stocks/ETF's/closed end funds/options. Schwab has a very user friendly app/website and their customer service is excellent. I can easily get to speak to a human being whenever I have questions.

    32 min

  7. JAN 29

    Sea 3: Ep- #06 - Tesla Stock/MSTR Stock- Buy/Hold Growth Play (Wealthy By 2035!!)

    Send us a text Season 3, Epside #6. Not Me, But You! Podcast.  Your entire life revovles around cash flow. So why not build a cash flow pipeline using the "Cascading Waterfall" approach to investing?  Follow me/Connect with me on X at: Waypa Today. Email me at WaypaToday@gmail.com. I offer 1:1 coaching/small group coaching. Email me to set up a FREE 15 to 20 minute call to see if it makes sense for us to work together.  I don't often discuss single stocks for growth. But in this episode we review both Tesla and MSTR. Projected possible share price for Tesla is $9K to $30K by 2035! If that projection is even HALF correct, it's worth it to accumulate shares of Tesla.  MSTR, as a company, holds hundreds of thousands of Bitcoin on its balance sheet! My opinion, is that both of these company's share price can significantly increase over the next 10 years.  If you own shares inside of your Roth IRA, then your gains will be potentially be 100% tax free, if you meet the two requirements for Roth IRA accounts.  Some stock trading platforms permit you buy FRACTIONAL shares of the stock. This option makes it very affordable to accumualte.  I also review the "Cascading Waterfall" approach to investing. Avoid playing "The Look Back" game as an investor. It is NOT helpful. Be forward looking and forward thinking.  No matter what, keep working on and building cash flow for WEEKLY/MONTHLY income. And keep "saving money" in Bitcoin. Keep buying "slices" of a whole Bitcoin.  Have courage today, to pick one thing, and work on your dreams. We will talk again soon!  #Bitcoin, #Dividends, #Tesla, #MSTR, #Growth, #Wealth, #Fractional Shares, #MSTY, #ULTY, #CLM.  I'm not a financial advisor. This podcast is for education/entertainment purposes only. You will need to do your own research and accept responsibility for the results of any money you choose to invest. I love using Schwab.com to buy/sell stocks/ETF's/closed end funds/options. Schwab has a very user friendly app/website and their customer service is excellent. I can easily get to speak to a human being whenever I have questions.

    31 min

  8. JAN 25

    Sea 3 - Ep - #05 ICOI Dividend Dissappointed (Roth IRA's/Social Security/Small Portfolio To Retire)

    Send us a text Season 3, Episode #05 Not Me, But You! Podcast.  Connect with me/Follow me on X at: Waypa Today. Or you can email me at WaypaToday@gmail.com. I offer 1:1/small group coaching. Email me and we can set up a FREE 15 to 20 minute call to see if working together makes sense.  I was dissappointed in the dividend payout of only 0.50 cents/share for ICOI this month. However, even at a hypothetical $0.50 cents/share payout EACH month, that would still equal a yield of approximately 40% per year! And ICOI is trading at around $15/share at the time of this episode was recorded.  Being a successful investor, long term, requires mental toughness. Not even the best investors in the WORLD, are right 100% of the time! We can prepare for these situations BEFORE we actually encounter them! That way we know better how to handle the situation.  I continue to build/hold postions in several ETF's that we discuss. Also, I cover WHY it's important to have the 3 types of brokerage accounts: regular brokerage account/Traditional IRA/Roth IRA. Especially the ROTH IRA.  Also, we discuss retirement strategies like doing Roth Conversions and deciding when it makes sense to start taking monthly Social Security checks based on. your retirement age/portfolio size/level of weekly/monthly dividend income.  I talk about my strategy of the "cascading waterfall" and why that investment approach works so well for me.  We touch upon how a person could potentially retire with a TOTAL porfolio of about $80,000. You don't need 2 Million dollars to retire if you have INCOME!.  Have courage today, to pick one thing, and work on your dreams. We will talk again soon!  #SS, #social security, #OARK, #MSTY, #ULTY, #QQQI, #SPYI, #divdends, #income, #stocks, #Bitcoin, #Roth, #IRA, #Schwab, #Fidelity,  #Robinhood, #Nvidia.  I'm not a financial advisor. This podcast is for education/entertainment purposes only. You will need to do your own research and accept responsibility for the results of any money you choose to invest. I love using Schwab.com to buy/sell stocks/ETF's/closed end funds/options. Schwab has a very user friendly app/website and their customer service is excellent. I can easily get to speak to a human being whenever I have questions.

    39 min
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4.5
out of 5
16 Ratings

About

Welcome to Not Me, But You! This is likely one of the most ironically titled podcasts since the focus is designed to be on the podcast listeners rather than the podcast creator. I spent half of my life as a school administrator and I want to share with you what I've learned about education, teaching, learning, reaching your goals, attaining your dreams, developing relationships, encouragement, motivation, business, income, and money. My desire is to shine some "psychological sunshine" onto your thinking. I believe it's possible for you and me to attain our dreams in life. But often, many of us need a good teacher, a good mentor, and a good cheerleader in order to help us along the way.  I am confident that you will learn some things from me. But more importantly I want to learn something from you. I will share what I'm passionate about. But I also want to discover what you are passionate about. And by listening, you will discover how to set goals, how to track goals, how to achieve goals, how to select a good "guru" or mentor or teacher or advisor, how to make money and save money. And most of all, I want you to discover what is your most valuable asset and how to gain freedom in your life. (Answer: your most valuable asset is your TIME).  How do we do that? By buying and holding assets. But we need to learn which assets are best for us. You can become wealthy by pushing buttons on your phone! 

Information

  • Creator
    Art
  • Years Active
    2020 - 2026
  • Episodes
    215
  • Rating
    Clean
  • Copyright
    © 2026 Not Me, But You!
  • Show Website
    Not Me, But You!

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