#345: Living Paycheck to Paycheck But Feel Like You Shouldn't Be?
Release Date: 05/27/2025
#356: Monte Carlo Retirement Score Explained: Are You Actually Ready to Retire?
Monday Money Tip
About this Episode: How confident are you that your retirement plan will actually work? In this Monday Money Tip, Joe and Megan break down the Monte Carlo retirement score, what it measures, why financial planners rely on it, and how you can use it to stress test your retirement plan. You will learn what a good Monte Carlo score is, why sequence of returns risk matters, and the specific levers you can pull to improve your retirement readiness, including saving more, spending less, adjusting asset allocation, and retiring later if needed. This episode explains how to use probability, not...
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#355: What 2025 Taught Us About Money and How to Move Forward
Monday Money Tip
About this Episode: As 2025 comes to a close, many households are feeling the weight of higher costs, tighter margins, and unfinished financial goals. In this episode of the Monday Money Tip Podcast, Joe and Megan reflect on the real money lessons 2025 delivered and how to carry them forward into 2026 without pressure or shame. They break down why margin matters more than income, how awareness counts as real progress, and why small, consistent habits often outperform dramatic financial resets. This conversation is not about big resolutions. It is about clarity, direction, and choosing the next...
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#354: How to Position Yourself for Retirement (The Right Income Mix Explained)
Monday Money Tip
About thie Episode: Are you actually positioned for retirement—or just crossing your fingers? In this episode of the Monday Money Tip Podcast, Joe and Megan break down what it really means to be prepared for retirement by understanding where your income will come from and how risky it is. You’ll learn: The difference between guaranteed and non-guaranteed retirement income Common retirement income sources (Social Security, pensions, 401(k)s, IRAs, rentals, and more) Joe’s 5-Year Rule for reducing risk as retirement approaches How working part-time in retirement can change your...
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#353: America’s Financial Stress Is Rising: What the Data Reveals
Monday Money Tip
About the Episode: Financial anxiety is on the rise — and the data proves it. In this episode of the Monday Money Tip Podcast, Joe and Megan break down the latest numbers from the FINRA Financial Capability Study, revealing what’s really happening with Americans’ money habits. They unpack the findings behind: 📊 How many people are overdrafting their accounts again (and why) 🏦 The surprising truth about trust in banks 💳 Why fewer people are paying off credit cards in full 🏠 How many homeowners actually own their homes outright 📱 The surge in mobile banking across...
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#352: Why 63% of Americans Feel Financial Anxiety (And How to Fix It!)
Monday Money Tip
About the Episode: Are Americans losing their financial footing? In this episode of the Monday Money Tip Podcast, Joe and Megan break down the latest FINRA Financial Capability Study — a massive survey of 25,000 people that reveals the state of financial literacy across the U.S. They unpack surprising (and concerning) trends like: 💰 Why 2 in 3 adults struggle to make ends meet 📉 The drop in people spending less than they earn 💸 How inflation and rising costs are crushing budgets 📊 What percentage of Americans actually plan ahead for retirement 😟 And why 63% now say their...
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#351: Demystifying Cryptocurrency with guest Matt Hines (Part 2)
Monday Money Tip
About the Episode: In this continuing episode of the Monday Money Tip Podcast, Joe and Matt Hines delve into the world of cryptocurrency, exploring its definitions, the role of blockchain technology, and the implications of tokenization. They discuss the differences between assets and currencies, the process of mining Bitcoin, and the importance of self-custody in managing crypto assets. The conversation also touches on the security of cryptocurrency compared to traditional banking systems and the future of money in the context of Bitcoin. Matt shares valuable resources for listeners...
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#350: Demystifying Cryptocurrency: A Beginner's Guide (Part 1)
Monday Money Tip
About the Episode: In this episode of the Monday Money Tip Podcast, Joe and Matt Hines delve into the world of cryptocurrency, exploring its definitions, the role of blockchain technology, and the implications of tokenization. They discuss the differences between assets and currencies, the process of mining Bitcoin, and the importance of self-custody in managing crypto assets. The conversation also touches on the security of cryptocurrency compared to traditional banking systems and the future of money in the context of Bitcoin. Matt shares valuable resources for listeners interested in...
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#349: Are Interest Rates Going to Go Down?
Monday Money Tip
About the Episode: In this episode of the Monday Money Tip Podcast, Joe and Megan tackle one of the biggest financial questions of 2025: Are interest rates going to go down, stay the same, or rise even higher? From borrowers hoping to refinance, to savers watching CDs and treasury yields, interest rates impact nearly every financial decision. Joe and Megan break down the Quantity Theory of Money, look at Federal Reserve data, and discuss how money supply and inflation tie into today’s economy. Whether you’re buying a house, refinancing a car loan, or just trying to understand the Federal...
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#348: $37 Trillion in Debt?! How the U.S. Government Really Borrows Money
Monday Money Tip
About the episode: The United States federal government spends far more than it takes in each year—leaving us with a staggering $37+ trillion national debt. But how exactly does the government fund this massive deficit? In this episode of the Monday Money Tip Podcast (#348), Joe and Megan break down: How much the U.S. spends vs. how much it earns What a trillion dollars really means The role of the U.S. Treasury and the debt ceiling Treasury auctions (Bills, Notes, Bonds, TIPS, and FRNs) The part played by Primary Dealers and the Federal Reserve Whether the government could ever run...
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Expert Tips for Thriving in a Volatile Stock Market | Monday Money Tip Podcast 347
Monday Money Tip
Is the market making you anxious? 📊 In this episode of the Monday Money Tip Podcast, Joe and Megan break down how to stay calm and make smart decisions during market volatility. From panic-selling pitfalls to expert-approved strategies like dollar-cost averaging, diversification, and long-term thinking, you’ll learn how to manage your investments with confidence—even when headlines scream chaos. Whether you're investing for retirement, building wealth, or just getting started, this episode will give you the tools to thrive in turbulent times. 💡 Key Takeaway: Volatility isn’t the...
info_outlineAbout the Episode:
- Are you earning more than ever… but still living paycheck to paycheck?
You're not alone. In this episode of the Monday Money Tip Podcast, Megan and Joe dive into a surprising reality: over 50% of six-figure earners live paycheck to paycheck (source: LendingClub). 😱
If you feel like you should be doing better with your income but constantly feel stressed, broke, or behind—this episode is for you. 🎯
In this episode, you’ll learn: Why high-income earners still struggle financially Signs that you might be caught in the lifestyle inflation trap How to break free and finally gain control of your money Simple, practical steps like tracking spending, capping lifestyle growth, and building financial margin 💬 Challenge: Try budgeting for 3 months and share your biggest ‘aha moment’ with us!
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