Retire In Texas
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.
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How Do I Improve My Mental Health in Today’s Economy?
11/26/2025
How Do I Improve My Mental Health in Today’s Economy?
In this episode of Retire in Texas, Darryl Lyons addresses the growing emotional and mental strain many Americans are experiencing in today’s economic climate. With 83% of individuals reporting that rising costs are affecting their mental health, Darryl unpacks the concept of “stressflation” and explains why financial pressure has become overwhelming for many households. He breaks the discussion into five key areas using the PERMA happiness framework: Positive emotions, including how practicing gratitude, shifting perspective, and focusing on personal progress can help reduce negative reactions to financial stress. Engagement, emphasizing how finding activities that create “flow” - whether hobbies, work, or creative outlets - can help people stay grounded and mentally refreshed. Relationships, highlighting the importance of community, generosity, and genuine connection, especially during periods of financial strain or isolation. Meaning, reminding listeners to look to their personal life stories and experiences to find purpose, direction, and opportunities to support others. Accomplishment, offering examples of small wins and activities that restore a sense of progress, purpose, and control during uncertain economic periods. Darryl also shares behavioral finance insights, real-life observations, and practical guidance for listeners who feel “stuck” in today’s K-shaped economy. His message encourages long-term thinking, personal responsibility, and healthier emotional habits to help individuals navigate financial challenges more clearly. If you benefitted from today’s episode, feel free to share it with your family and friends! This episode provides general educational information only and is not intended to provide specific investment, tax, or legal advice. Resources:
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What Tax Moves Can I Make Before 2025 Ends?
11/19/2025
What Tax Moves Can I Make Before 2025 Ends?
In this episode of Retire in Texas, Darryl Lyons offers a general year-end reminder list to help listeners stay organized as they review their financial and tax-related items. As the year closes, Darryl walks through several topics that individuals and families may want to revisit with their tax or financial professionals. He breaks the discussion into four broad areas: Considerations such as reviewing pay stubs, retirement distributions, and personal budgeting tools to help ensure your information is accurate. General guidance on contribution deadlines, RMD requirements, Roth conversion considerations, and recent legislative updates. An overview of options like Qualified Charitable Distributions and donor-advised funds that some people use as part of their charitable giving approach. Information on 529 plans, medical account deadlines, the annual gift-tax exclusion, and the new age-related deduction created under recent legislation. Darryl also shares personal observations and real examples that illustrate how these year-end reviews can help individuals stay aware of key requirements. This episode provides general educational information only and is not intended to provide specific investment, tax, or legal advice. Listeners should consult their tax professional, CPA, or financial advisor before making decisions related to their personal situation. If you benefitted from today’s episode, feel free to share it with your family and friends!
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What Is Ransomed Life? Fighting Child Trafficking in San Antonio
11/12/2025
What Is Ransomed Life? Fighting Child Trafficking in San Antonio
In this powerful episode of Retire in Texas, host Darryl Lyons, CEO and Co-Founder of PAX Financial Group, is joined by Sarassa Inglis, Executive Director at Ransomed Life, and Roger Stukkie, Financial Advisor at PAX and a board member at Ransomed Life. Together, they shed light on the realities of child sex trafficking and exploitation happening right here in our local communities, and how Ransomed Life has been providing hope, healing, and mentorship for the past ten years. In this episode, you’ll hear: The truth about human trafficking in San Antonio - and why it’s not just a border issue How Ransomed Life’s mentorship and counseling programs help victims rebuild their lives. Ways that listeners can volunteer, donate, or become mentors. Details about Ransomed Life’s 10-Year Celebration at the Witte Museum. How purpose and service can transform your “second chapter” of life. To learn more about Ransomed Life or to get involved, visit . If you benefitted from today’s episode, feel free to share it with your family and friends!
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Are Women Better Investors Than Men?
11/05/2025
Are Women Better Investors Than Men?
In this week’s episode of Retire in Texas, host Darryl Lyons, CEO and Co-Founder of PAX Financial Group, explores a fascinating question supported by years of research: why do studies suggest that women often achieve different investing results than men? Darryl unpacks two key reasons - overconfidence and impulsiveness - and how humility and patience can support more thoughtful, long-term decision-making. He shares personal stories, including how his own wife’s encouragement shaped his career, and how engaging a spouse in financial decisions can foster stronger communication and perspective. You’ll also hear how legendary investors like Warren Buffett credit their success to temperament over intellect - and why that same mindset can help individuals stay grounded in their approach to investing and relationships. Key highlights include: Why studies show women earn ~2% higher annual returns than men. How overconfidence and impulsive trading can hurt performance. The importance of engaging your spouse in financial decisions. Lessons from the Bush family, Warren Buffett, and real-life examples. Biblical insight from Genesis 2:18 on partnership and harmony. Listen to more episodes here: https://PAXFinancialGroup.com/podcasts If you benefitted from today’s episode, feel free to share it with your family and friends! Resource:
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How Can Kids Heal After Losing a Parent?
10/29/2025
How Can Kids Heal After Losing a Parent?
In this heartfelt episode of Retire in Texas, host Darryl Lyons, CEO and Co-Founder of PAX Financial Group, sits down with Dr. Marian Sokol, former CEO of the Children’s Bereavement Center of South Texas, to explore how grief affects children - and how healing begins through connection, creativity, and compassion. From art therapy to peer support groups, Dr. Sokol shares how the Bereavement Center has helped thousands of children and families navigate the pain of losing a loved one. She also discusses the center’s outreach in Uvalde, its school-based counseling programs, and how volunteers and donors play a vital role in sustaining its mission offered free of charge to families. Key Highlights: How the Children’s Bereavement Center supports children ages 3-23 through grief and trauma. Why expressive arts therapy helps kids process pain they can’t express in words. The Center’s work in Uvalde and response to community-wide tragedies. How families can volunteer, donate, or participate in programs. The emotional and financial importance of wills, organization, and long-term planning. If you or someone you know is coping with loss - or wants to help others who are - learn more at or call (210) 736-4847. Listen to more episodes here: If you benefitted from today’s episode, feel free to share it with your family and friends.
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Is a 2030 Depression Really Coming? Part III
10/22/2025
Is a 2030 Depression Really Coming? Part III
In the final installment of this three-part series, Darryl Lyons, CEO & Co-Founder of PAX Financial Group, takes a deeper look at the widely discussed predictions of a potential market downturn in 2030. Rather than leaning into fear, headlines, or doomsday forecasts, Darryl breaks down the four major forces that many believe could collide: government spending, inflation, demographic shifts, and a potential AI bubble. Darryl also discusses the “Chicken Little” voices that have been calling for market catastrophe for decades, spotlighting the dangers of linear thinking, pessimistic modeling, and predictions that ignore innovation, human behavior, and historical resilience. With a practical and level-headed approach, he discusses why long-term investors often benefit from focusing less on fear and more on building durable plans designed to navigate uncertainty. In this episode, Darryl covers: The four “cars in the intersection” that fuel 2030 crash predictions. Why pessimists are rarely held accountable for bad forecasts. How linear thinking skews market narratives. The potential risks behind government spending and demographics. Why AI could be transformative - even if parts of it become a bubble. Five practical steps for navigating uncertainty. If you missed Parts I and II, be sure to go back and listen so you can follow the full conversation from start to finish. Listen to more episodes here: If you enjoyed today’s episode, share it with your family and friends! Resources:
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Is a 2030 Depression Really Coming? Part II
10/15/2025
Is a 2030 Depression Really Coming? Part II
Is the “2030 Depression” really inevitable - or just overhyped? In this continuation of his three-part series, Darryl Lyons, CEO & Co-Founder of PAX Financial Group, dives deeper into the predictions surrounding a potential economic downturn and examines the four “vehicles” that could collide to create it: government spending, inflation, demographic trends, and the AI bubble. Building on Part 1’s historical parallels, Darryl unpacks how rising national debt, compounding inflation, shrinking birth rates, and market speculation around artificial intelligence are shaping today’s financial landscape. Using his “traffic light” analogy, he illustrates how these forces might intersect - and what that could mean for investors and everyday Americans alike. Whether you’re concerned about what’s ahead or simply trying to separate fact from fear, this episode encourages you to question the doomsday narratives, stay informed, and maintain a long-term perspective grounded in wisdom and clarity. Key Highlights from the Episode • The “four cars at the intersection” driving economic risk: government spending, inflation, demographics, and AI. • How compounding inflation is widening the gap between the “haves” and “have nots.” • Why declining birth rates and aging leadership may create long-term economic pressure. • The warning signs of an AI-driven market bubble - and lessons from the dot-com era. • Why fear and greed still dictate market behavior - and how to stay grounded amid uncertainty. Listen to more episodes: If you enjoyed today’s episode, share it with your family and friends!
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Is a 2030 Depression Really Coming? What History and Economics Tell Us | Retire in Texas 200th Episode Special
10/08/2025
Is a 2030 Depression Really Coming? What History and Economics Tell Us | Retire in Texas 200th Episode Special
In this 200th-episode special of Retire in Texas, Darryl Lyons, CEO & Co-Founder of PAX Financial Group, begins a three-part series exploring why some economists are discussing the potential for a future downturn, and what history can teach us about investor behavior during times of uncertainty. From the fall of Rome to the Great Depression to today’s evolving economy, Darryl connects four powerful influences - government spending, inflation, demographics, and technology - and discusses how these forces interact to shape long-term economic outcomes. He also examines how optimism and pessimism affect investor psychology and what it means to stay steady when headlines predict doom. If you’ve ever wondered whether history is repeating itself - or how to stay grounded when headlines predict doom - this episode offers clarity, perspective, and practical insights to help you think long-term. Key Highlights from the Episode -Why predictions of a “2030 Depression” are gaining attention. -Optimists vs. pessimists: how each influences investor behavior. -Lessons from history: Rome’s collapse and the Great Depression. -Why history doesn’t repeat itself - but it often rhymes. -What gives U.S. currency its resilience, and how trust plays a role in economic stability. Listen to more episodes: If you enjoyed today’s discussion, share it with family and friends!
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Where are the Best Places to Retire in Texas?
10/01/2025
Where are the Best Places to Retire in Texas?
Where should you retire in Texas? In this week’s episode of Retire in Texas, CEO and Co-Founder of PAX Financial Group, Darryl Lyons, shares his top five towns for retirement in the Lone Star State. From the lakes of Marble Falls to the fast-growing hub of New Braunfels, Darryl explains what makes each community stand out and why the Texas Triangle is such an important region to consider. He explores how healthcare access, lifestyle variety, airports, and cost of living all factor into retirement decisions - while highlighting the unique character of each Texas Hill Country town. Whether you’re drawn to wine country, artsy retreats, or bustling small cities, this episode offers insights to help you think long-term about where to retire in Texas. Show Highlights: • Why the Texas Triangle is central to retirement planning in Texas. • The importance of healthcare access, cost of living, and airport proximity. • How lifestyle and culture vary across the Texas Triangle’s communities. • The countdown of the top five retirement towns. • Why New Braunfels is one of the fastest-growing retirement destinations in the U.S. For more resources, visit PAXFinancialGroup.com. If you enjoyed today’s episode, share it with your family and friends!
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Community Banking in Texas: Steve Mack on Liberty Capital Bank’s Merger and the Future of Relationships
09/24/2025
Community Banking in Texas: Steve Mack on Liberty Capital Bank’s Merger and the Future of Relationships
In this episode of Retire in Texas, host Darryl Lyons, CEO and Co-Founder of PAX Financial Group, sits down with Steve Mack, Regional President of Liberty Capital Bank. Steve brings more than 40 years of banking experience, including three decades as CEO of Texas Heritage Bank, to discuss the recent merger with Liberty Capital Bank and what it means for Texas communities. They explore: The challenges and opportunities of merging two community banks. How community banks differ from big banks in culture, relationships, and lending. Why personal relationships still matter in today’s financial system. How the FDIC and IntraFi network protect deposits - even beyond the $250,000 limit. The role of community banks in supporting small businesses and local economies. How local banks stay competitive with interest rates while offering face-to-face service. If you’ve ever wondered about the safety of community banks, the difference between local and big-bank lending, or how mergers impact customers, this episode provides clear and practical insights. Listen now and learn why, when it comes to banking, life moves at the speed of relationships. If you enjoyed today’s episode, share it with your family and friends! The investment products and services offered by PAX are independent of the products and services offered by Liberty Capital Bank and are not FDIC insured, may lose value, are not bank guaranteed and are not insured by any federal or state government agency. Investment products and services are offered by appropriately licensed investment advisor representatives, subject to the general oversight and authority of PAX.
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Honoring Charlie Kirk: A Legacy of Faith and Revival
09/17/2025
Honoring Charlie Kirk: A Legacy of Faith and Revival
In this heartfelt episode of Retire in Texas, Darryl Lyons, CEO and Co-Founder of PAX Financial Group, is joined by guest Charles Garcia for a powerful conversation reflecting on the life, faith, and legacy of Charlie Kirk. Darryl shares the story of PAX’s national strategic relationship with Charlie, how it came to be, and the impact it had on the PAX family. Together, Darryl and Charles discuss the heart of Evangelism, the courage it takes to be obedient to God’s calling, and how figures like Charlie stand on the shoulders of those who came before - missionaries, preachers, and ordinary believers whose faith sparked revival across the world. This episode explores themes of grief, hope, and revival, offering encouragement to see tragedy as a catalyst for deeper faith and greater intentionality in our own lives. From stories of Jim Elliot and John Paton to the everyday practice of “stacking pancakes” in gratitude, listeners are reminded of the eternal perspective that shapes how we live and lead today. Whether you knew Charlie Kirk personally or simply want to be encouraged by his story, this episode will leave you inspired to be bold, obedient, and faithful in your own journey.
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What Are Money Principles Every Family Should Know? Part II
09/10/2025
What Are Money Principles Every Family Should Know? Part II
In this week’s episode of Retire in Texas, Darryl Lyons, CEO and Co-Founder of PAX Financial Group, continues his two-part series on the core financial principles that have guided his career, his clients, and his community. Building on last week’s first ten principles, Darryl shares principles 11 through 20 - covering why retirement should be a pivot into purpose, why your net worth is a scorecard (not your identity), and why the market behaves like a child with a yo-yo on an escalator. He also discusses the healthy tension between focus and diversification, the importance of taking responsibility for your own money, and why investing in yourself often produces the greatest return. Other key takeaways include: The underrated power of compound interest and patience. Why paying taxes doesn’t mean leaving a “tip.” How thinking long term changes not just your finances, but your health, family, and legacy. Whether you’re planning for retirement, building your business, or simply trying to stay grounded, these timeless lessons may help you see money - and life - with greater clarity, purpose, and peace. If you enjoyed today’s episode, be sure to share it with a friend or family member! Resource:
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What Are Money Principles Every Family Should Know?
09/03/2025
What Are Money Principles Every Family Should Know?
Everyone has rules of thumb they live by when it comes to money, but are yours helping you or holding you back? In this week’s episode of Retire in Texas, Darryl Lyons, CEO and Co-Founder of PAX Financial Group, shares the first 10 of his 20 guiding money principles that influence how he makes financial decisions for himself, his family, and his clients. Show Highlights: • Why an emergency fund should cover 3-6 months of expenses, not income. • How your spending and giving habits reveal what truly matters to you. • The two most reliable paths to wealth: starting a business or saving early and often. • Key rules of thumb on saving rates, home affordability, and retirement withdrawal strategies. • How a “legacy bucket” can help retirees balance growth, generosity, and peace of mind. • What just $150 a month could mean for your child’s future college costs. Whether you’re just starting out, in the middle of your career, or already retired, these principles can serve as a foundation to help you make wiser money choices and think long term. If you enjoyed today’s episode, be sure to share it with a friend or family member!
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How Are Health Sharing Plans Beneficial?
08/27/2025
How Are Health Sharing Plans Beneficial?
Rising health insurance costs are squeezing household budgets - especially for families and those not yet on Medicare. In this week’s episode of Retire in Texas, Darryl Lyons, CEO and Co-Founder of PAX Financial Group, breaks down the differences between traditional health insurance and medical cost sharing programs and how each can impact cash flow between ages 62 and 65. Show Highlights: The 2025 cost picture: premiums and out-of-pocket trends families are feeling. Traditional insurance vs. cost sharing: deductibles vs. IUAs, “premiums” vs. “shares,” and how reimbursement works with cash pay. Networks and access: why many sharing programs don’t use networks - and what that means at the doctor’s office. Coverage nuances: preventive care, preexisting conditions, and when ACA plans may be a better fit. Faith-based vs. non-faith options: examples like Samaritan Ministries, Medi-Share, Christian Healthcare Ministries, and Sedera. Whether you’re still working, planning to retire before 65, or helping adult children evaluate coverage, this episode offers practical insights to compare traditional insurance with medical cost sharing and make a more informed decision for your situation. If you enjoyed today’s episode, be sure to share it with a friend or family member! Resource:
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Is a Roth IRA Really Worth it in 2025?
08/20/2025
Is a Roth IRA Really Worth it in 2025?
Roth IRAs have been around since 1997, but many people still have questions about how they work and whether they make sense for their retirement strategy. In this week’s episode of Retire in Texas, Darryl Lyons, CEO and Co-Founder of PAX Financial Group, unpacks the power of Roth IRAs and how they differ from traditional IRAs. Show Highlights: The difference between marginal and effective tax rates - and why it matters for Roth contributions and conversions. Real stories of how retirees and pre-retirees have used Roth conversions to reduce future tax burdens. Key considerations before converting, including cash needs, Medicare IRMAA surcharges, and tax brackets. The impact of Roth IRAs on estate planning and how they can benefit the next generation. Contribution limits for 2025 and how Roth 401(k)s compare to Roth IRAs. Whether you’re just starting out, approaching retirement, or thinking about legacy planning, this episode will give you practical insights into how a Roth IRA may fit into your overall financial plan. If you enjoyed today’s episode, be sure to share it with a friend or family member!
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What Should You Do If Your Identity Is Stolen?
08/13/2025
What Should You Do If Your Identity Is Stolen?
In this week’s episode of Retire in Texas, Darryl Lyons, CEO and Co-Founder of PAX Financial Group, shares practical strategies for protecting yourself from identity theft. From freezing your credit to creating stronger passwords and monitoring your accounts regularly, Darryl walks through clear, actionable steps you can take to help reduce the risk of fraud. Along the way, Darryl highlights real-life examples and common scams, helping you stay aware and proactive in safeguarding your finances. Show highlights include: • Three preventative measures to help reduce the likelihood of ID theft. • How freezing your credit works and when to consider it. • Tips for creating stronger, harder-to-guess passwords. • Why two-factor authentication can add an extra layer of protection. • Key steps to take immediately if you experience fraud. • Resources like identitytheft.gov and credit bureau fraud alerts. Whether you’re looking to better protect yourself, help a loved one, or simply stay informed, this episode offers valuable insight into minimizing the impact of fraud and keeping your personal information more secure.
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Is the U.S. Economy Healthy?
08/06/2025
Is the U.S. Economy Healthy?
In today’s episode of Retire in Texas, Darryl Lyons, CEO and Co-Founder of PAX Financial Group, explores a timely question: Is the economy actually doing better than we think? While pessimism often dominates the news cycle, this episode highlights five key indicators that suggest economic resilience in 2025 - and what that means for long-term investors. Darryl breaks down: -Why employment trends may be stronger than they appear - even with recent layoffs. -How recent corporate earnings from companies such as Nvidia, Microsoft, and Meta have been interpreted as signals of underlying strength. -The real-world impact of AI in business and how it’s driving profitability and efficiency. -What investors should understand about tariffs, trade policy, and global supply chains. -How recent deregulation is giving companies room to grow and innovate. If you’ve been wondering, “Should I still be investing right now?” or “What economic data actually matters?” - This episode offers thoughtful perspective. Tune in to gain clarity, filter through the noise, and make informed decisions rooted in your values and the broader economic landscape. Resources:
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What Financial Questions Should Widows Ask First?
07/30/2025
What Financial Questions Should Widows Ask First?
In this week’s episode of Retire in Texas, Darryl Lyons, CEO and Co-Founder of PAX Financial Group, sits down with PAX Financial Advisor Haley Wall for a heartfelt discussion on the emotional and financial challenges faced by widows. Drawing from real-life experiences and her work as a certified Loss of Life Advocate, Haley explains how widows can regain clarity and make informed financial decisions after a loss. From navigating life insurance and estate documents to avoiding predatory scams and understanding Social Security’s widow blackout period, this episode offers practical guidance and emotional insight. Key highlights include: The first financial step every widow should take - pause. Why widows are often targeted by scammers and opportunists. The importance of updating wills, beneficiaries, and medical directives. How the widow’s Social Security blackout period works - and how to prepare. The emotional weight of stewardship and honoring a spouse’s legacy. Available community resources, including grief counseling and support groups. Whether you’re navigating widowhood yourself or supporting someone who is, this episode offers both compassion and direction. For more support, visit or contact Haley directly at Haley@PAXFG.com.
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How Do I Financially Plan for a Child With a Disability?
07/23/2025
How Do I Financially Plan for a Child With a Disability?
In this heartfelt episode of Retire in Texas, Darryl Lyons, CEO and Co-Founder of PAX Financial Group, sits down with fellow PAX advisor David Alvarez to discuss a deeply personal and often overlooked financial planning topic - supporting families who have children or loved ones with disabilities. David shares his own journey into financial services, shaped by his family's background and a career that began at the peak of economic uncertainty. Now a key member of the PAX team, David has developed a specialized focus on serving families navigating the complex realities of long-term disability planning. Together, Darryl and David explore: • How David’s passion for serving families with special needs began. • The emotional and financial toll of long-term illness or disability. • Key planning tools like ABLE accounts and Special Needs Trusts. • The importance of acting on important, but not always urgent, financial tasks. • How PAX’s “Honest Conversations” methodology helps both spouses find clarity and peace of mind. Whether it’s planning for a child with autism, preparing for future medical expenses, or simply figuring out where to start, this episode offers real-world guidance for those walking a challenging path. If you or someone you know is navigating life with a loved one who has special needs, don’t miss this episode. And remember - you think different when you think long term. Learn more or reach out at PAXFinancialGroup.com.
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How Do You Collide Your Money with Your Faith?
07/16/2025
How Do You Collide Your Money with Your Faith?
In this week’s episode of Retire in Texas, Darryl Lyons, CEO and Co-Founder of PAX Financial Group, sits down with Roger Stukkie - Certified Financial Planner™, Certified Kingdom Advisor®, and Financial Advisor at PAX - for a thought-provoking conversation about the intersection of faith and finances. From biblical definitions of generosity to real-world giving strategies, this episode dives into steps you can take to be both a Christian and a steward of your financial resources. Darryl and Roger explore how aligning your money mindset with your faith can lead to deeper fulfillment, more intentional giving, and long-term impact. Key Highlights Include: • The difference between becoming a Christian and living as one - especially when it comes to money. • Why generosity is more about stewardship than sacrifice. • How to overcome skepticism and give with confidence (even if you don’t fully trust the organization). • Checks and balances in nonprofit financials and how to evaluate them. • Two tax-efficient giving strategies every faith-driven investor should know: QCDs and donor-advised funds. Whether you're a faith-forward investor or simply exploring how your values align with your financial life, this episode offers practical tools and spiritual insight to help guide your giving. For more insights or to connect with a PAX Financial Group advisor, visit www.PAXFinancialGroup.com. Like what you heard? Share this episode with a friend!
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Hijacked by Headlines: How Fear and Misinformation Derail Your Wealth Plan
07/09/2025
Hijacked by Headlines: How Fear and Misinformation Derail Your Wealth Plan
In this week’s episode of Retire in Texas, Darryl Lyons, CEO and Co-Founder of PAX Financial Group, tackles one of the biggest challenges facing investors today: information overload. With news headlines, political rhetoric, and market commentary flooding our daily lives, making sound financial decisions can feel like navigating a maze. Darryl breaks down the subtle (but critical) differences between mentors, coaches, and consultants - and explains why having a trusted guide can help you stay rational when emotions threaten to derail your long-term strategy. Key Highlights Include: • How mentors, coaches, and consultants each play unique roles in your financial life. • The behavioral traps that can derail even the most rational investors. • A real-life case study of emotional decision-making during market turmoil. • How misinformation influences your perception of risk and opportunity. • Why your advisor should be more than just a financial “consultant”. Whether you're feeling stuck or simply want to build a better decision-making framework, this episode offers a thoughtful and empowering perspective. For more insights or to connect with a PAX Financial Group advisor, visit www.PAXFinancialGroup.com. Like what you heard? Share this episode with a friend! Resource:
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Should You Worry About Government Debt in Your Investments?
07/02/2025
Should You Worry About Government Debt in Your Investments?
In this week’s episode of Retire in Texas, Darryl Lyons, CEO and Co-Founder of PAX Financial Group, unpacks the complex world of bonds and why they matter to everyday investors. With market headlines swirling and interest rates shifting, Darryl breaks down what bonds really are, how they function in your portfolio, and why government debt isn’t just a political issue - it’s a personal one. From explaining how bond auctions work to highlighting the risks of chasing returns, this episode offers a practical and reassuring look at what is often considered the “boring” side of investing - and why it deserves your attention. Key Highlights: • Why bonds still play a vital role - even if you prefer stocks. • What bond auctions reveal about global trust in the U.S. economy. • The four principles every investor should follow when it comes to bonds. • Why professional bond management can make a major difference. • How to stay calm (and informed) in the face of economic uncertainty. Whether you’re nearing retirement or helping a loved one navigate their investment journey, this episode provides timeless insights with a steady hand. For more insights or to connect with a PAX Financial Group advisor, visit www.PAXFinancialGroup.com. Like what you heard? Share this episode with a friend! Resources: 🌐https://www.ceicdata.com/en/indicator/greece/long-term-interest-rate 🌐 https://bipartisanpolicy.org/explainer/why-the-national-debt-matters-for-the-u-s-bond-market-and-the-economy/ 🌐 https://www.ib.barclays/our-insights/five-forces-affecting-fixed-income-markets.html?cid=paidsearch-textads_google_google_themes_fixed-income_us_fixed-income
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College is Still Worth It - If You Plan Wisely
06/25/2025
College is Still Worth It - If You Plan Wisely
In this week’s episode of Retire in Texas, Darryl Lyons, CEO and Co-Founder of PAX Financial Group, shares a timely and personal perspective on the cost - and value - of college education. With one child already in college and another preparing to go, Darryl walks listeners through findings from SoFi’s “The Cost of Admission” report and offers four hard-hitting takeaways that every family should consider before signing on the dotted line. From real-life debt stories to the generational impact of poor financial decisions, this episode is a candid look at what too many Americans learn the hard way: how you pay for college matters just as much as where you go. Key Highlights: Why “ignorance is not an excuse” when it comes to student loan debt. The $365,000 medical school debt story - and what it teaches us. What most borrowers say they regret about college financing. The importance of making affordability a higher priority than reputation. How parents can help kids “think long term” when planning their future. Whether you’re planning for your child’s education or revisiting your own financial journey, this episode delivers the kind of clarity that cuts through the noise. For more insights or to connect with a PAX Financial Group advisor, visit . Like what you heard? Share this episode with a friend! Resources:
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Why Doing It Yourself Might Cost You More
06/18/2025
Why Doing It Yourself Might Cost You More
In this week’s episode of Retire in Texas, Darryl Lyons, CEO and Co-Founder of PAX Financial Group, shares a cautionary tale about the hidden costs of do-it-yourself investing. With relatable personal stories and real client experiences, Darryl explores the traps that DIY investors often fall into - missed opportunities, tax missteps, and emotionally driven decisions - and explains why having a trusted advisor can make all the difference. Whether you're confident in your own financial abilities or know someone who insists on doing it alone, this episode offers a practical, grounded look at why experience, emotional discipline, and guidance matter when navigating your financial future. Show highlights include: What happened when a client chose DIY over working with an advisor. Three qualities a successful DIY investor must have. Common (and costly) DIY mistakes Darryl has seen firsthand. Why advisors act more like copilots and river guides than stock-pickers. A powerful reminder about the role of compounding and proper strategy at any age. For more insights or to connect with a PAX Financial Group advisor, visit . Like what you heard? Share this episode with a friend!
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Is Tokenization the Future of Investing?
06/11/2025
Is Tokenization the Future of Investing?
In this week’s episode of Retire in Texas, Darryl Lyons, CEO and Co-Founder of PAX Financial Group, dives into a cutting-edge topic that could reshape the future of finance: tokenization. While the conversation touches on familiar ground like Bitcoin and blockchain, the real focus is on how tokenization may democratize access to investments and redefine ownership in a digital age. Drawing comparisons to past investment evolutions - from mutual funds to ETFs - Darryl explains why tokenization could be the next major shift, offering both new opportunities and new risks. In this episode, you’ll learn: • What tokenization means and how it works. • How blockchain technology supports this financial evolution. • Real-world examples, including Nas and Taylor Swift royalties. • What this could mean for individual investors - and the hurdles that still exist. • Why regulation and infrastructure are key to mainstream adoption. Darryl also shares personal stories from his early days as an ETF adopter, highlights the costs saved through innovation, and reflects on how tokenization might bridge the gap between consumers and ownership. For more insights or to connect with a PAX Financial Group advisor, visit www.PAXFinancialGroup.com. Like what you heard? Share this episode with a friend!
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Define the Date and Take the Next Step
06/04/2025
Define the Date and Take the Next Step
In this week’s episode of Retire in Texas, Darryl Lyons, CEO and Co-Founder of PAX Financial Group, unpacks one of the most common phrases he hears from clients: “I’ll retire in five years.” But what does that really mean - and what’s holding people back from following through? With stories drawn from real-life experience, Darryl explores how this five-year mindset can become a psychological trap, one that offers comfort without commitment. From the emotional side of financial planning to the real-life consequences of delay, this episode is a call to clarity and action. Key highlights of the episode include: Why “five years from now” is often more of a coping mechanism than a plan. Why defining your retirement date matters, and how to actually do it. Small but powerful first steps that move your plan forward (like healthcare and Social Security strategy). Why simplifying your life may be the smartest financial move you make. Whether you're five years out from retirement - or have been saying that for the last decade - this episode offers thoughtful insights to help you stop waiting and start planning. For more insights or to connect with a PAX Financial Group advisor, visit . Like what you heard? Share this episode with a friend!
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What the U.S. Credit Downgrade Means for Your Money
05/28/2025
What the U.S. Credit Downgrade Means for Your Money
In this week’s episode of Retire in Texas, Darryl Lyons, CEO and Co-Founder of PAX Financial Group, breaks down the recent U.S. credit downgrade by Moody’s - and what it really means for the economy, the markets, and your personal finances. While headlines may spark panic, Darryl walks listeners through the facts with clarity and perspective. From the ripple effect on mortgage rates to the role of active bond managers, Darryl explains why this downgrade, though historic, isn’t cause for alarm - and why the U.S. remains, in his words, “the cleanest shirt in a dirty load of laundry.” Key highlights of the episode include: What the Moody’s downgrade means - and why it happened now. How it impacts stock and bond markets differently (and why the stock market already saw it coming). The connection between U.S. Treasury yields and rising mortgage rates. Why active bond management matters more in volatile conditions. The long-term perspective: why the U.S. is still the safest place for capital despite the headlines. Whether you're an investor, homeowner, or business owner, this episode offers a calm, candid take on a complex topic - helping you understand what really matters behind the noise. For more insights or to connect with a PAX Financial Group advisor, visit . Like what you heard? Share this episode with a friend!
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Discovery Is Not a Sales Pitch - It’s a Conversation
05/21/2025
Discovery Is Not a Sales Pitch - It’s a Conversation
In this week’s episode of Retire in Texas, Darryl Lyons, CEO and Co-Founder of PAX Financial Group, breaks down one of the most overlooked but critical elements of financial planning: the discovery meeting. Whether you’re already a client or just starting to explore a relationship with an advisor, understanding how PAX approaches discovery reveals a lot about what it means to truly serve clients with clarity, care, and purpose. Darryl shares a behind-the-scenes look at how PAX advisors engage with new clients - not with sales pitches or pressure, but with thoughtful questions and deep listening. Through personal stories, lessons from past client experiences, and insights drawn from behavioral finance, this episode offers a valuable window into how the right discovery process sets the foundation for long-term success. Key highlights of the episode include: What a discovery meeting is really about - and how it differs from old-school sales tactics. Why the first question a good advisor asks isn’t “What do you have?” but “What do you want?” How behavioral finance tools like “Money Mind” and “Honest Conversations” help uncover what truly matters. The importance of including both spouses - and why trust, relief, and clarity are the true deliverables. How today’s advisors are thinking partners - not brokers, not salespeople - and why that distinction matters. Whether you’re looking to revisit your own financial goals or want to understand how PAX serves the people you refer, this episode reframes financial planning not as a product, but as a partnership rooted in values and vision. For more insights or to connect with a PAX Financial Group advisor, visit . Like what you heard? Share this episode with a friend!
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Lessons from Warren Buffett’s Playbook
05/14/2025
Lessons from Warren Buffett’s Playbook
In this week’s episode of Retire in Texas, Darryl Lyons, CEO and Co-Founder of PAX Financial Group, reflects on the life, legacy, and investing philosophy of Warren Buffett in light of his upcoming transition from CEO of Berkshire Hathaway. At 94 years old, Buffett’s influence on the world of finance spans generations - and in this thoughtful episode, Darryl shares not only Buffett’s remarkable accomplishments, but also the lessons that everyday investors can learn from his unique approach. Darryl unpacks Buffett’s investing style, personal quirks, and lesser-known decisions, while offering insight into how value investing has evolved - and where it may still hold relevance in a fast-moving, AI-driven market. Key highlights of the episode include: • What really made Warren Buffett successful - and why focus, brilliance, and longevity matter. • The origins of Berkshire Hathaway and how it became a powerhouse holding company. • Why Buffett’s love of insurance companies fueled many of his smartest investments. • The difference between value and growth investing - and where you may fit. • How Buffett’s famous quotes reflect deeper truths about risk, reputation, and success. From reflections on Buffett’s personal life and ethics to the power of focus and time, this episode invites listeners to think more intentionally about their financial lives - and to consider how long-term thinking, not short-term wins, truly builds wealth and wisdom. For more insights or to connect with a PAX Financial Group advisor, visit www.PAXFinancialGroup.com. Like what you heard? Share this episode with a friend!
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Can We Save Social Security? What Every Retiree Needs to Know
05/07/2025
Can We Save Social Security? What Every Retiree Needs to Know
In this week’s episode of Retire in Texas, Darryl Lyons, CEO and Co-Founder of PAX Financial Group, takes on one of the most urgent and often misunderstood topics in retirement planning: Social Security. With headlines swirling, political tensions rising, and myths spreading, Darryl breaks down the real math behind the Social Security system, the challenges it faces, and what retirees (and future retirees) need to understand today. Drawing on personal stories, economic context, and practical advice, Darryl explains why this issue affects everyone - not just those currently receiving checks - and how thoughtful, long-term thinking can help you navigate decisions like when to claim benefits, how to plan for your spouse’s future, and what tax impacts to watch for. Key highlights of the episode include: • Why Social Security has been called a “Ponzi scheme” - and whether that label is fair. • The looming 2033 shortfall and what it could mean for benefit payouts. • Why investment policy (or the lack of it) in the Social Security trust fund matters so much. • The dangers of claiming benefits early without considering your spouse’s future. • How Social Security taxation really works - and the thresholds that affect you. Whether you’re already retired or getting close, this episode is designed to help you understand how Social Security impacts your financial picture - and what you can do now to make informed, confident decisions about your retirement income. For more insights or to connect with a PAX Financial Group advisor, visit . Like what you heard? Share this episode with a friend!
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