Roy Matlock Jr.'s Money and Business Hour

Roy Matlock Jr.'s Money and Business hour
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Roy Matlock Jr.'s Money and Business Hour

Listen to Roy Matlock, Jr. Live on Saturday and Sunday mornings at 9 AM on TalkRadio 98.3 & 1510AM WLAC iheart, and on Sunday afternoons from 1 to 2 PM on 99.7 FM Cumulus. The Roy Matlock Jr Money and Business Hour has all the information you'll want to build wealth and be able to count on a comfortable retirement and sound financial security.

  1. 13 THG 1

    January 11, 2025 - Full Episode - "Back to the Basics"

    Roy emphasized the importance of a financial GPS: setting clear Goals, creating a Plan, and following a Schedule to achieve long-term financial success. Key defense strategies included creating a budget to generate a savings gap, establishing a 3–6 month emergency fund, and managing debt by eliminating high-interest "bad debt" tied to depreciating assets. Roy advised securing appropriate insurance (life, health, and liability) and optimizing mortgage choices to reduce costs. For offense, Roy recommended automating savings of at least 10% of gross income, diversifying investments across stocks, bonds, ETFs, and annuities, and leveraging compound interest. He highlighted the importance of education and advice to avoid financial pitfalls and ensure steady progress. Roy encouraged listeners to automate their financial independence through consistent savings and investments while regularly reviewing their plans. He also advised minimizing taxes by using retirement accounts effectively.

    41 phút

  2. 9 THG 1

    December 21, 2024 - Full Episode - Create a Robust Financial Offense

    1. Financial Planning Overview Emphasis on structuring finances with a defense and offense approach: Defense: Protecting against financial setbacks (e.g., insurance, emergency funds). Offense: Wealth accumulation and growing net worth. A three-step framework: Advice and Education: Understand finances and seek expert guidance. Goal Setting: Define financial goals with inflation-adjusted targets. Automation: Automate saving and investing for consistent progress. 2. Core Financial Principles Rule of 72: A quick formula to estimate how long investments take to double based on interest rates. Time and Consistency: Regular, automated savings (e.g., $500 monthly) can yield substantial long-term returns. Becoming an Owner, Not a Lender: Invest in stocks and funds rather than keeping excess cash in low-interest accounts. 3. Investment Strategies Discussed the investment spectrum, ranging from conservative (money markets, bonds) to aggressive (growth stocks, emerging companies). Importance of

    41 phút

  3. 6 THG 1

    January 4, 2025 - Start the New Year with a Robust Financial Plan

    The Five Components of Financial Independence: Education and advice. Defensive strategies: avoiding bad decisions and preparing for financial risks. Offensive strategies: growing wealth through investments. Choosing the right financial products. Periodic reviews and updates. Budgeting Fundamentals: Establish a detailed budget to manage recurring and nonrecurring expenses. Begin with income evaluation and prioritize saving at least 10% of gross income, with a goal of reaching 20%. Avoid unnecessary expenses, like car payments or luxury items, that hinder financial progress. Debt Reduction: Focus on eliminating "bad debt," such as credit cards and car loans, using methods like the debt snowball or a sinking fund approach. Avoid refinancing cycles and automate debt repayments for efficiency. Automation and Simplification: Set up three primary accounts: emergency fund, draft account for bills and savings, and a weekly spending account.

    41 phút

  4. 16/12/2024

    December 14, 2024 - Full Episode: "Building Financial Independence: Year-End Review and Planning"

    Key takeaways include: Creating a Financial GPS: Establish a "Goal, Plan, Schedule" to chart a clear path toward financial independence. Calculate the required annual income for retirement and determine the total savings needed to achieve it, accounting for inflation and Social Security. Financial Defense: Start with a comprehensive review of assets, liabilities, and cash flow to address opportunities and problems. Establish emergency funds (3–6 months of expenses), eliminate unnecessary expenses, and prioritize debt reduction. Invest in adequate insurance coverage (health, life, disability, and liability) and create an estate plan with wills and trusts to secure your financial future. Financial Offense: Focus on growth-oriented investments such as diversified stocks, bonds, mutual funds, and retirement accounts (e.g., 401(k)s and Roth IRAs). Leverage tax-advantaged strategies like maximizing contributions, using health savings accounts, and planning distributions to minimize taxes

    42 phút

  5. 04/12/2024

    November 23, 2024 Segment 4: Blending defensive and offensive strategies for financial success

    In this segment 4 from the November 23, 2024 episode of the Roy Matlock, Jr. Money and Business Hour, Roy discusses building a comprehensive financial plan, blending defensive and offensive strategies for financial success.

    13 phút

  6. 04/12/2024

    November 23, 2024 - Segment 3: Key Defensive Strategies

    In this segment 3 of the November 23, 2024 episode, Roy Matlock Jr. discusses key defensive strategies to establish financial security, emphasizing the importance of setting a strong foundation before pursuing aggressive financial goals. He outlines a structured approach to budgeting, managing debt, and building an emergency fund, all while highlighting the benefits of automating financial habits.

    10 phút

  7. 04/12/2024

    November 23, 2024 - Segment 2: Strategies to ensure financial stability and growth

    This episode of Roy Matlock Jr.’s Money and Business Hours comes from the November 23, 2024 radio show, Segment 2. It focuses on conducting a year-end financial review and highlights strategies to ensure financial stability and growth. Roy walks listeners through a comprehensive process of assessing their financial position and building a balanced financial strategy.

    10 phút

  8. 02/12/2024

    November 30, 2024 - Full Episode "Automatic Financial Independence"

    Key topics discussed include: Defense Strategies: Setting up budgets and prioritizing expenses. Establishing emergency funds and addressing debt reduction. Exploring insurance options, liability protection, and estate planning. Offense Strategies: Leveraging investments for growth using compound interest and diversification. Maximizing retirement contributions and utilizing tax-advantaged accounts. Understanding the impact of time and consistency on wealth accumulation. Automation and Review: Automating savings and investments to build wealth effortlessly. Conducting regular reviews to adjust asset allocation and financial goals. The episode provides actionable advice for listeners at all stages of their financial journey, from setting up a budget to optimizing retirement savings and legacy planning. Roy underscores the value of financial education and working with advisors to make informed decisions. Listeners are encouraged to visit Roy's website for resources, budget templates,

    41 phút
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Giới Thiệu

Listen to Roy Matlock, Jr. Live on Saturday and Sunday mornings at 9 AM on TalkRadio 98.3 & 1510AM WLAC iheart, and on Sunday afternoons from 1 to 2 PM on 99.7 FM Cumulus. The Roy Matlock Jr Money and Business Hour has all the information you'll want to build wealth and be able to count on a comfortable retirement and sound financial security.

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