Pivot with Darryl Lyons

Darryl Lyons
  • 4.9 (34)
  • Investing
  • Updated Weekly

Explore how wealth, leadership and life intersect and how the decisions you make are shaped by more than just numbers. Each episode offers practical perspectives to help you think more clearly and make more informed decisions.

  1. 5d ago

    What $40 Trillion in Federal Debt Means for Your Financial Future

    Should you be worried about the United States carrying roughly $40 trillion in federal debt? Darryl Lyons, CEO and co-founder of PAX Financial Group, breaks down what the national debt means, why it matters, and what could ultimately force Washington to take action. Darryl explains the difference between federal debt and the annual deficit, who actually owns U.S. debt, and why foreign investors continue to purchase U.S. Treasuries despite growing concerns about government spending. He also shares a personal story about his own experience with debt early in his career and the lessons it taught him about controlling spending and increasing income. The conversation also explores whether investors are losing confidence in U.S. Treasuries, how the 30-year Treasury rate can serve as a measure of investor confidence, and what a changing debt environment could mean for portfolio diversification. Rather than encouraging investors to panic, Darryl emphasizes staying informed, reviewing your investment strategy, and thinking long term. YOU'LL LEARN: • The difference between federal debt and the annual deficit • Who owns U.S. government debt • Why foreign investors continue to buy U.S. Treasuries • What could force Washington to address the national debt • How Treasury rates can signal changing investor confidence • Why portfolio diversification may require more creativity • How to respond to economic concerns without making emotional investment decisions This episode is for investors, retirees, and anyone who wants a clearer understanding of how the national debt could affect the economy and their financial future. As always, Darryl encourages listeners to use this conversation as a starting point and discuss their individual circumstances with a trusted financial professional. Benefiting from the show? We'd appreciate it if you left a review on your favorite podcast platform.   Resources: Mark Zandi Says America May Need A Crisis Before It Fixes Its Debt Problem | The WealthAdvisor Top 15 Largest US Treasury Holders in 2026: Who Owns America's Debt? Who Owns U.S. Debt? A Simple Breakdown of America's $39 Trillion Debt What Would It Take to Balance the Budget? An Update-2023-02-24 The Rich Aren't Rich Enough to Balance the Federal Budget Trump plans to grow his way out of $40 trillion debt crisis—it's a 'fantastic story' but virtually impossible, says top budget economist

  2. Sep 3

    What is Holding People Back? Economic Frustration and Mobility

    How might economic frustration influence the way people evaluate political candidates? In this episode of PIVOT with Darryl Lyons, Darryl examines a recent McKinsey Institute for Economic Mobility report, In Pursuit of Progress: Americans' Aspirations for Economic Mobility, to explore the financial pressures and lack of economic confidence that can shape how people think about the future and who they choose to support. Using survey data from 30,000 adults, Darryl breaks down four major themes: the common desire for financial security, the cost squeezes people experience at different stages of life, the importance of community, and the role proximity plays in helping people move forward. He discusses rising living costs, health care, child care, housing, retirement savings, and the financial shocks that can make it difficult for families to build stability. Darryl also explores the roles employers, friends, family, churches, and government institutions play in helping people find opportunities. From a Christian worldview, he argues that community and relationships can create practical opportunities for people who are struggling, while employers can help employees build skills and become more valuable in the marketplace. Ultimately, this episode looks beyond politics to ask a more important question: What happens when people feel like they have no financial security, no clear path forward, and little hope for the future? You'll learn: • Why financial security is a priority for so many Americans • How rising costs affect people at different stages of life • Why groceries, health care, child care, and housing are major financial pressure points • What retirement savings reveal about economic mobility in America • Why strong community connections can influence people's sense of control and momentum • How employers can help employees improve their skills and financial opportunities • How economic frustration may influence political choices This episode is for anyone interested in financial planning, economic mobility, personal finance, leadership, community, and the forces that influence how people think about their financial future and political choices. Benefiting from the show? We'd appreciate it if you left a review on your favorite podcast platform. Resources: Americans' aspirations for economic mobility | McKinsey

  3. Aug 27

    Economic Indicators Explained: How to Read the Headlines Without Panicking

    Economic headlines can make investors feel like they need to react immediately. A consumer sentiment index "crashes." Unemployment claims "spike." The market reacts. But what do these economic indicators actually mean for your portfolio? In this episode of PIVOT with Darryl Lyons, Darryl explains how to interpret economic indicators without letting dramatic headlines drive emotional investment decisions. Using the Michigan Consumer Sentiment Survey as an example, he walks through how investors can follow the "breadcrumbs" from an economic reading to the broader economy and ultimately to the markets. Darryl also uses the story of Hansel and Gretel and the concept of the Five Whys to explain why individual economic indicators should be viewed in context rather than in isolation. Some indicators may provide meaningful insight into the economy, while others may be little more than temporary noise. Most importantly, Darryl explains why investors should learn to "get in front of their future selves" by preparing for market ups and downs before emotions take over. You'll learn: ●      How economic indicators influence investment markets ●      Why financial headlines often create unnecessary fear ●      How to interpret the Michigan Consumer Sentiment Survey ●      What the Five Whys can teach investors about economic data ●      Why one economic indicator rarely tells the whole story ●      How to distinguish meaningful signals from market noise ●      Why taking a long term perspective can help investors avoid emotional decisions Whether you're a longtime investor or simply trying to better understand the economic headlines you see every day, this episode offers a framework for putting economic data into perspective and making more informed financial decisions. Benefiting from the show? We'd appreciate it if you left a review on your favorite podcast platform.

  4. Aug 20

    13 Questions to Ask Before Retirement for a Successful PIVOT

    What should business owners ask themselves before selling a business or retiring? In this episode of PIVOT with Darryl Lyons, Darryl shares 13 questions designed to help business owners and their spouses get aligned on what comes next, both financially and personally. The conversation explores why retirement planning is about much more than money. Darryl explains how questions about when to sell the business, succession, where you will live, how you will spend your time, relationships, travel, health, and simplifying your life can surface important differences between spouses before they become bigger issues. Darryl also discusses the importance of giving the non CFO spouse a voice in financial decisions and why business owners should think about retirement as a PIVOT rather than simply the disposal of an asset. The goal is to create greater alignment, purpose, and clarity for the next chapter of life. You'll learn: ●      Why business owners should ask when they actually plan to sell their business ●      How succession planning can reveal changes that future owners may want to make ●      Why spouses should discuss where they want to live after retirement ●      How to think about purpose, hobbies, friendships, and daily life after leaving the business ●      Why simplifying your finances and your life can become more important over time ●      How shared experiences and traditions can strengthen your vision for retirement ●      Why retirement planning should focus on alignment, purpose, health, and the life you want to build Whether you are a business owner preparing for a future sale, a couple approaching retirement, or simply thinking about what your next chapter could look like, these questions can help start the conversations that matter most. Benefiting from the show? We'd appreciate it if you left a review on your favorite podcast platform

  5. Aug 13

    Diversification Still Wins: Understanding Market Rotation and Broadening

    Have you ever looked at your investment portfolio and wondered why only a handful of stocks seem to be driving all of the returns? In this episode of Pivot with Darryl Lyons, Darryl explains two important market concepts every investor should understand: market rotation and market broadening. As leadership shifts from the Magnificent Seven and large technology companies into other sectors, international markets, and smaller companies, investors are reminded why diversification remains one of the most effective long-term investment strategies. Darryl also answers a listener question about investing in precious metals, discussing when they may have a place in a portfolio and why purpose matters more than performance when making investment decisions. You'll learn: ●      What market rotation means and why it happens ●      Why broadening market participation is healthy for investors ●      How diversification can help reduce concentration risk ●      Why chasing recent winners often backfires ●      The role of small cap and international investments during changing market cycles ●      Whether precious metals deserve a place in your portfolio ●      Why patience is often rewarded more than prediction Whether you're preparing for retirement or simply looking to become a more disciplined investor, this episode offers practical insights into navigating changing market conditions with confidence. Benefiting from the show? We'd appreciate it if you left a review on your favorite podcast platform. Resources: https://www.msn.com/en-us/money/topstocks/heres-the-single-biggest-reason-the-bull-market-is-broadening/ar-AA29jgMw?ocid=BingNewsVerp  https://ca.finance.yahoo.com/news/morgan-stanley-outlines-sectors-set-121008283.html  https://advisor.zacksim.com/l/376582/2026-07-20/5vnhs8/376582/1784558279Z3C61WZp/2026_07_18_MOTM_Small_Cap_Outperformance_Signals_Br

  6. Aug 5

    Why Preventive Healthcare Is a Long-Term Investment

    Why do so many people stay on top of vehicle maintenance but put off their own health? In this episode of Pivot with Darryl Lyons, Darryl explores why preventive healthcare is one of the most overlooked long-term investments we can make. Using the analogy of routine vehicle maintenance, he explains how delaying checkups and treatment often leads to greater financial, physical, and emotional costs later in life. Darryl also discusses the four most common reasons people postpone care: inconvenience, confusion around health insurance, cost, and fear of receiving bad news. He shares practical ways to overcome each barrier while encouraging listeners to think beyond today's discomfort and focus on long-term well-being. You'll learn: -        Why preventive healthcare mirrors routine vehicle maintenance -        The four biggest reasons people delay medical care -        How telemedicine can reduce barriers to treatment -        Why understanding your health insurance matters -        How fear and cost influence long term health decisions -        Why small actions today can prevent bigger problems tomorrow Whether you're navigating rising healthcare costs, avoiding a checkup, or helping a loved one make healthier decisions, this episode offers a practical perspective for thinking long-term. Benefiting from the show? We'd appreciate it if you left a review on your favorite podcast platform. Resources: Full Synthetic Oil Benefits: 8 Reasons It Pays Off 2026 Healthcare Cost Report: The Deepening Affordability Crisis Free Report Insured but skipping care: 38% of Americans delay treatment over costs, study finds | Medical Economics

  7. Jul 29

    The 8 Principles of Leading Change in Life, Leadership, and Financial Decisions

    Change is inevitable, but navigating it well is a skill. In this episode of Pivot with Darryl Lyons, Darryl explores John Kotter's eight principles for leading change and explains how they apply far beyond the workplace. Whether you're changing careers, moving your family, building a business, improving your finances, or developing better habits, successful change requires more than motivation. It requires vision, accountability, communication, and resilience. Drawing from personal experiences, leadership lessons, and financial planning conversations, Darryl shares practical strategies for creating lasting change without creating unnecessary panic. He discusses the importance of building the right support system, communicating a compelling vision, overcoming obstacles, celebrating early wins, and developing the habits that make meaningful change stick. You'll learn: ●      Why every meaningful change begins with honest self-assessment ●      How to create urgency without creating fear ●      The importance of building a guiding coalition in business, marriage, and life ●      Why you don't need every answer before taking the first step ●      How to manage emotional responses during seasons of change ●      The power of celebrating early wins to build long-term momentum ●      Why accountability systems are essential for lasting personal growth ●      Practical ways to make positive habits stick over time Whether you're leading an organization, managing your finances, raising a family, or pursuing personal growth, this episode offers a practical framework for navigating change with confidence and purpose. Benefiting from the show? We'd appreciate it if you left a review on your favorite podcast platform.

  8. Jul 22

    The Psychology of Doing Nothing

    Should you react every time the market swings, or is doing nothing sometimes the smartest financial move you can make? In this episode of Pivot with Darryl Lyons, Darryl explores why resisting the urge to constantly adjust your investments may lead to better long-term outcomes. Using an unexpected lesson from World Cup penalty kicks, he explains the psychology behind action bias and why investors often feel compelled to make changes even when patience is the better strategy. From understanding Roth IRAs versus traditional retirement accounts to learning how emotional decision-making can hurt investment performance, this episode offers practical insights for building confidence during uncertain markets. Darryl also shares why tax diversification, annual financial checkups, and filtering out financial noise are essential parts of a successful long-term investment strategy. You'll learn: Why doing nothing can sometimes be the best investment decision The hidden emotional cost of trying to time the stock market How Roth IRAs compare to traditional IRAs and 401(k)s Why tax diversification can create more flexibility in retirement How market volatility affects investor behavior Practical ways to stay disciplined during market uncertainty Why long-term investing often outperforms emotional reactions   Whether you're planning for retirement, navigating market volatility, or simply looking to become a more confident investor, this episode provides practical strategies to help you make thoughtful financial decisions instead of emotional ones.   Benefiting from the show? We'd appreciate it if you left a review on your favorite podcast platform.   Resources: What Percentage of the Time Do Stocks Go Up? - by Ira Roth Action bias among elite soccer goalkeepers: The case of penalty kicks - ScienceDirect Dow rises 423 as stocks whipsaw again – Orange County Register S&P 500 Price Return, Dividend Return, and Total Return Capital markets are adapting to retail investor growth | RSM US

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About

Explore how wealth, leadership and life intersect and how the decisions you make are shaped by more than just numbers. Each episode offers practical perspectives to help you think more clearly and make more informed decisions.

Information

  • Creator
    Darryl Lyons
  • Years Active
    2021 - 2026
  • Episodes
    100
  • Rating
    Clean
  • Copyright
    © 2021-2022
  • Show Website
    Pivot with Darryl Lyons

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