Garage Talk with Bill Haase and PJ Ewing

Bill Haase
  • 5.0 (1)
  • Self-Improvement
  • Weekly

Garage Talk with Bill Haase and PJ Ewing is a financial literacy podcast focused on helping everyday people take control of their money with clarity and confidence. Hosted by Bill Haase, a seasoned finance professional with over 20 years of market experience, the show breaks down complex financial topics into practical, real-world strategies. From budgeting and credit scores to debt management, retirement planning, investing, and money mindset, Garage Talk equips listeners with the knowledge and tools needed to build wealth and reduce financial stress. The mission is simple: Live financially with intent — not by default.

  1. 5d ago

    Why We Worry About Money: Financial Anxiety, Budgeting & the Psychology of Fear | Garage Talk Ep. 23

    🧠 Why do we worry so much about money—and how can we take back control? In Garage Talk Episode 23, Bill Haase and P.J. Ewing explore the psychology of worry, financial anxiety, and why our brains often anticipate problems that never happen. Discover how budgeting, understanding expenses, identifying impulsive spending triggers, and putting small amounts of money to work can help reduce financial stress and build a stronger financial future. 💰 In this episode: Why our brains are wired for fear and worry The connection between financial uncertainty and anxiety How procrastination creates unnecessary stress Fixed costs, variable expenses, and hidden spending The power of small savings and compound growth Reducing monthly commitments to create financial flexibility Building a healthier money mindset through practical habits Bill and P.J. share personal experiences and practical strategies to help you move beyond financial worry and make more intentional decisions. 📚 Explore research, interactive tools, and resources at: 🌐 https://garage-talk.com 💰 https://moneymindsetmedia.com 📖 Check out Bill Haase's book, Our Mindset on Money, for more insights into developing a healthier relationship with money. 🎙️ Garage Talk: Knowledge gives you options. Options give you freedom. 👍 Like, subscribe, comment, and share!

    Why We Worry About Money: Financial Anxiety, Budgeting & the Psychology of Fear | Garage Talk Ep. 23

  2. Oct 22

    GLP-1 Investing: The Stocks, Industries & Opportunities Beyond Weight Loss Garage Talk Ep. 22

    💰 Could the GLP-1 boom create investment opportunities beyond pharmaceutical companies? In Episode 22 of Garage Talk, Bill Haase and PJ Ewing wrap up their four-part GLP-1 series by exploring the potential investment opportunities emerging from the rapid growth of weight-loss medications. From Eli Lilly and Novo Nordisk to high-protein foods, fitness brands, wearable technology, health testing, and muscle-preservation treatments, they discuss industries that could benefit as consumer health trends evolve. 📈 This episode also explores: GLP-1 market growth, pharmaceutical competition, and patent expirations Emerging opportunities across the healthcare and wellness supply chain Mutual funds, ETFs, and investment diversification How the S&P 500 and Dow Jones Industrial Average are weighted Stock options, delta, gamma, volatility, and expiration dates The difference between informed investing and risky speculation Bill and PJ explain why research, understanding market trends, and preparing for conversations with financial advisors can help you make more informed decisions about long-term wealth and retirement goals. 🌐 Explore resources at https://garage-talk.com 🎙️ Garage Talk: Knowledge gives you options. Options give you freedom. 👍 Like, comment, subscribe, and share this episode with someone interested in investing, financial literacy, and the future of healthcare. This episode is for educational purposes only and is not financial or investment advice. Market figures and projections discussed by the hosts should be independently verified.

    GLP-1 Investing: The Stocks, Industries & Opportunities Beyond Weight Loss Garage Talk Ep. 22

  3. Oct 15

    Will GLP-1s Change Everything? Addiction, Business & Life in 2056

    What could GLP-1 medications mean for our world by 2056? In this episode of Garage Talk, Bill Haase and PJ Ewing explore the potential 30-year impact of GLP-1s on cravings, addiction, consumer behavior, healthcare, business, and the economy. Could changes in appetite and cravings affect alcohol consumption, gambling, impulse shopping, restaurants, food companies, fitness, and public safety? The conversation also explores possible effects on productivity, longevity, emergency services, and the legal system. Bill and PJ discuss the uncertainties behind these long-term projections, the importance of financial preparedness, and how Our Mindset on Money can help people think differently about financial decisions and future challenges. 📚 Explore books, research, and educational resources: 🌐 Garage Talk: https://garage-talk.com 💰 Money Mindset Media: https://moneymindsetmedia.com 🎙️ Subscribe, share your thoughts in the comments, and join the conversation about the future of money, business, and society. Garage Talk: Knowledge gives you options. Options give you freedom. Note: The 2056 outlook is speculative and depends on future research, medication adoption, and other changing factors. This discussion is educational and is not medical or investment advice.

    Will GLP-1s Change Everything? Addiction, Business & Life in 2056

  4. Oct 8

    GLP-1s Are Changing More Than Weight: The Future Economy, Healthcare & Investment Outlook

    GLP-1 medications could reshape the economy far beyond weight loss. In Garage Talk Episode 20, Bill Haase and PJ Ewing explore the potential 15-year impact of GLP-1 drugs through 2041. From healthcare, Medicare, insurance and longevity to food, alcohol, airlines, clothing, real estate, jobs, consumer spending and investing, they examine how changing health and consumer behavior could affect entire industries. Could GLP-1s lead to lower healthcare costs, healthier workers, changing real estate trends, reduced consumption and new investment opportunities? And which industries may struggle to adapt? Bill and PJ also discuss the K-shaped economy, business adaptation, and why understanding future trends can help you make better financial decisions. 📊 Explore the free interactive Deep Research report at Garage-Talk.com. 🎙️ Garage Talk: Knowledge gives you options. Options give you freedom. Next up: the potential 30-year impact of GLP-1s.

    GLP-1s Are Changing More Than Weight: The Future Economy, Healthcare & Investment Outlook

  5. Oct 1

    GLP-1 Drugs Are Changing the Economy: Food, Alcohol, Insurance & Investments | Garage Talk

    What happens when a single class of medications begins changing not only people's health—but also what they buy, how much they spend, and how entire industries operate? In this special Garage Talk deep-dive, Bill Haase and PJ Ewing explore the growing impact of GLP-1 medications and why the effects could reach far beyond weight loss. PJ shares his own experience using a GLP-1 medication and discusses the dramatic changes he has experienced so far, while Bill brings his perspective as a longtime financial professional and investor. Together, they explore what could happen over the next 5, 15, and even 30 years as these medications become more widely used. The conversation begins with understanding what GLP-1 medications do and how they can affect appetite, food consumption, and people's relationship with certain foods. But that's only the beginning. 💰 The economic ripple effects could be enormous. The hosts examine how changing consumer behavior could affect: 🍔 Fast food and restaurants 🥤 Soft drinks and processed foods 🌽 Agriculture and commodities 🍷 Alcohol and wine 🏥 Insurance and healthcare 💳 Medicare and healthcare spending 👕 Apparel and clothing retailers 🏃 Athletic and fitness industries 📈 Stocks and investment portfolios 🏢 Consumer packaged goods companies They also discuss how businesses may need to move with the market as consumer preferences change. If people consume less sugar, fewer processed foods, less alcohol, and smaller portions, what happens to the companies that produce those products? And what happens to your 401(k), mutual funds, ETFs, or individual investments if major industries experience a significant shift in consumer demand? Bill and PJ also revisit their discussion of the K-shaped economy and consider whether improved health, mobility, and financial circumstances could help some people change their position economically. This isn't simply a conversation about weight loss. It's a conversation about disruption, consumer behavior, business, healthcare, investing, and the future of the economy. And this is only Part One. The Garage Talk team plans to continue examining the subject across longer time horizons, including real estate, orthopedic surgery, bariatric surgery, lifestyle changes, and other industries that could be affected. 📊 Want to go deeper? The hosts have created an extensive research report examining the subject in greater detail, with data, charts, and sources. Visit Garage Talk to explore the full research project. ⚠️ Important: This episode is a discussion and personal experience, not medical advice or individualized investment advice. Speak with qualified healthcare or financial professionals about your own circumstances. Subscribe to Garage Talk with Bill Haase and PJ Ewing for honest conversations about money, business, technology, consumer behavior, and the forces changing our financial future.

    GLP-1 Drugs Are Changing the Economy: Food, Alcohol, Insurance & Investments | Garage Talk

  6. Sep 17

    Is the Economy Really Bad? The K-Shaped Economy, Money & AI Risks | Garage Talk Ep. 18

    Is the economy really as bad as the headlines suggest? Or are we experiencing something more complicated? In Episode 18 of Garage Talk, Bill Haase and PJ Ewing take a deeper look at the current economy, the growing divide between asset owners and those struggling to get ahead, the rise of artificial intelligence, and the difference between news reporting and media speculation. The conversation begins with a simple question: Is the economy actually bad? The hosts look at unemployment, inflation, wages, interest rates, and historical economic conditions to explore why people can experience the economy very differently. PJ introduces the concept of the K-shaped economy, a situation where some parts of the economy move upward while others move downward. Bill and PJ examine how technology, finance, real estate, stocks, hospitality, and travel can experience very different economic realities. They also discuss practical strategies for financial growth, including: 💰 Financial education and better money decisions 🏦 Building an emergency savings fund 📈 Dollar-cost averaging 💵 Investing consistently over time 🏡 Understanding the importance of asset ownership 🌱 Using retirement accounts to build long-term independence Then the conversation takes a turn toward Artificial Intelligence. What happens when AI transforms the workforce? Should governments regulate AI development? Could excessive regulation affect global competition? And how important are safety guardrails as AI continues to advance? Finally, Bill and PJ examine the modern media environment and the growing amount of speculation surrounding major economic, political, technological, and social stories. They discuss why long-form conversations and podcasts can provide a different perspective than short soundbites. Two hosts. Two professional perspectives. One conversation about money, business, technology, and the world around us. This is Garage Talk — honest conversations about money, mindset, business, and the issues affecting your financial future. Subscribe to Garage Talk and join Bill Haase and PJ Ewing for the next conversation! https://garage-talk.com/

    Is the Economy Really Bad? The K-Shaped Economy, Money & AI Risks | Garage Talk Ep. 18

  7. Sep 10

    Take Control of Your Money: Debt, Investing, Scams & Financial Freedom | Garage Talk Ep. 17

    💰 Your financial future starts with taking responsibility for the decisions you make today. In Episode 17 of Garage Talk with Bill Haase & PJ Ewing, the conversation gets real about money mindset, personal responsibility, debt, investing, saving, financial scams, identity theft, and protecting your hard-earned money. Bill and PJ discuss why financial stress can impact far more than your bank account—including your health, relationships, productivity, and overall quality of life. They also examine the pressure to keep up with appearances and how spending money on status symbols like expensive cars and homes can create long-term financial problems. 💵 In This Episode: 🧠 Money Mindset & Personal Responsibility Why taking control of your finances starts with understanding your own habits, choices, and priorities. 💳 Credit Card Debt The hosts discuss the dangers of high-interest credit card debt and why carrying balances can make financial freedom harder to achieve. 📈 Investing for Long-Term Growth Learn the difference between depreciating assets and assets that have the potential to appreciate over time—and why younger investors have the advantage of time. 🏦 Managing Debt: Snowball vs. Avalanche Bill explains two popular approaches to eliminating debt and the difference between paying off the smallest balance first versus attacking the highest interest rate. 💰 Pay Yourself First PJ discusses the importance of saving consistently and finding ways to eliminate unnecessary spending. 🚗 Good Debt vs. Bad Debt The conversation explores how different types of debt can impact your financial future. 🚨 Protecting Yourself From Scams Bill shares a personal story involving identity theft and explains why consumers need to stay vigilant as financial scams become increasingly sophisticated. 🔐 Digital Security & Financial Protection Bill and PJ discuss suspicious phone calls, emails, spam protection, AI tools, and practical ways consumers can reduce their exposure to fraud. 🧠 The Bigger Message Building wealth isn't simply about earning more money. It's about what you do with the money you earn. Your spending habits, debt decisions, savings strategy, investments, and ability to recognize financial scams can all have a major impact on your future. Bill and PJ encourage listeners to stop operating on autopilot and start making intentional financial decisions. 🚗 Garage Talk with Bill Haase & PJ Ewing — Honest Money Talk from Paycheck to Profit. 👍 Like the episode 💬 Share your thoughts in the comments 🔔 Subscribe for weekly Garage Talk conversations 📤 Share this episode with someone who wants to take control of their financial future! Connect: https://garage-talk.com/  #GarageTalk #FinancialLiteracy #MoneyMindset #DebtFree #Investing #PersonalFinance #FinancialFreedom #ScamAwareness #BillHaase #PJEwing

    Take Control of Your Money: Debt, Investing, Scams & Financial Freedom | Garage Talk Ep. 17

  8. Sep 3

    Buy Now, Pay Later: The Hidden Debt Trap + AI, Data Centers & Your Money | Garage Talk Ep. 16

    💳 BUY NOW, PAY LATER… BUT WHAT'S THE REAL COST? In Episode 16 of Garage Talk with Bill Haase & PJ Ewing, the conversation takes a hard look at Buy Now, Pay Later (BNPL), personal spending habits, merchant financing, data centers, and the rapidly changing economics of artificial intelligence. Bill and PJ break down why services such as Klarna, Affirm, and Zip may seem convenient—but can potentially create debt stacking, missed payments, unexpected fees, and financial stress. They also explore why BNPL isn't just being used for big-ticket purchases. For some consumers, installment financing is being used for everyday necessities, making financial literacy more important than ever. 💳 In This Episode: 🔹 How Buy Now, Pay Later really works 🔹 The risks of stacking multiple BNPL purchases 🔹 Why some BNPL loans may not appear on traditional credit reports 🔹 How merchants get paid through third-party financing 🔹 Hidden fees, overdrafts, and missed-payment consequences 🔹 Why tracking fixed and variable expenses matters 🔹 How small delivery and service fees can destroy a budget 🔹 The explosive growth of data centers 🔹 The economic and environmental debate surrounding data centers 🔹 How data centers could affect the future cost of AI 🔹 Whether the economy has become too dependent on AI valuations 🔹 The potential impact of open-source AI competition 🔹 How AI is changing shopping, security, and everyday life 🧠 The bigger message? Convenience isn't always free. Whether you're clicking "Buy Now, Pay Later," paying another delivery fee, handing over personal data, or using an AI-powered service, understanding the financial implications can help you make better decisions. Bill and PJ bring their trademark honest money talk to another conversation about the forces shaping our wallets and our future. 🚗 Garage Talk with Bill Haase & PJ Ewing — Honest Money Talk from Paycheck to Profit. 👍 Like the episode 💬 Share your thoughts in the comments 🔔 Subscribe for more Garage Talk 📤 Share this episode with someone who needs to hear it! #GarageTalk #BuyNowPayLater #BNPL #FinancialLiteracy #MoneyMindset #PersonalFinance #AI #DataCenters #Debt #BillHaase #PJEwing

    Buy Now, Pay Later: The Hidden Debt Trap + AI, Data Centers & Your Money | Garage Talk Ep. 16
See All (24)

Trailer

Ratings & Reviews

About

Garage Talk with Bill Haase and PJ Ewing is a financial literacy podcast focused on helping everyday people take control of their money with clarity and confidence. Hosted by Bill Haase, a seasoned finance professional with over 20 years of market experience, the show breaks down complex financial topics into practical, real-world strategies. From budgeting and credit scores to debt management, retirement planning, investing, and money mindset, Garage Talk equips listeners with the knowledge and tools needed to build wealth and reduce financial stress. The mission is simple: Live financially with intent — not by default.

Information