Retire In Texas

Darryl Lyons
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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.

  1. Does the Stock Market Crash During Wars?

    3D AGO

    Does the Stock Market Crash During Wars?

    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

    18 min

  2. MAR 4

    How Does Daily Bread Ministries Fight Poverty in San Antonio?

    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.

    26 min
  3. Can You Afford to Die With Zero?

    FEB 25

    Can You Afford to Die With Zero?

    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

    20 min
  4. 4 Brand-New Financial Opportunities You May Be Missing Out On

    FEB 18

    4 Brand-New Financial Opportunities You May Be Missing Out On

    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/

    18 min
  5. How Seniors Are Being Targeted by AI Voice Scams

    FEB 11

    How Seniors Are Being Targeted by AI Voice Scams

    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

    16 min
  6. What Is Biblical Responsible Investing? Part II

    FEB 4

    What Is Biblical Responsible Investing? Part II

    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.

    19 min
  7. What Is Biblical Responsible Investing? Part I

    JAN 28

    What Is Biblical Responsible Investing? Part I

    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.

    17 min
  8. How Do I Know If I Need A Financial Advisor?

    JAN 21

    How Do I Know If I Need A Financial Advisor?

    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".

    18 min
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About

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.

Information

  • Creator
    Darryl Lyons
  • Years Active
    2021 - 2026
  • Episodes
    100
  • Rating
    Clean
  • Copyright
    © 2021-2022
  • Show Website
    Retire In Texas

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