Not Me, But You!

Send us Fan MailSeason 3, Episode #31. Not Me, But You! Podcast. Follow me/connect with me on X at: Waypa Today. You can email me at [email protected] Check out on YouTube: Retire And Go. On this YouTube channel the creator was talking about an article he read, while traveling, where it said that 65% of American are NOT ready for retirement! Have you taken an HONEST look at your retirement options? Be careful of using the word "someday" which is often code for "NEVER!" We talk about 401K fees that you may be unaware of. We discuss the 3 types of accounts we want at our brokerage platform: regular brokerage account, Traditional IRA, and Roth IRA. We discuss the diffence between "tax free" and "tax deferred." Quotes; Jim Rohn: Formal education will make you living. Self education will make you a fortune! Club Orange. I follow this account on X. Check out the "status symbols" and the "wealth symbols" they posted on X. Keep in mind: your TIME is your MOST valuable asset! As someone who accumulated 3 college degrees: (don't be impressed by that!) I KNOW for sure they do NOT teach in school how to become wealthy! Many thanks to my coaching clients. I truly enjoy seeing you achieve success. Have courage today, to pick one thing, and work on your dreams. We will talk again soon! #options,  #choices, #plans, #planning, #ROI, #interest, #earnings, #stocks, #income, #fees, #401K, #IRA, #ROTH, #inflation, I'm not a financial advisor. This podcast is for education/entertainment purposes only. You will need to do your own research and accept responsibility for the results of any money you choose to invest. I love using Schwab.com to buy/sell stocks/ETF's/closed end funds/options. Schwab has a very user friendly app/website and their customer service is excellent. I can easily get to speak to a human being whenever I have questions. 

Send us Fan MailSeason 3, Episode #30. Not Me, But You! Podcast Follow me/Connect With Me on X at: Waypa Today. I offer 1:1 or small group coaching. Email me at [email protected]. If you are interested in coaching, I offer a FREE 15 to 20 minute Zoom call to see if working together makes sense for us. In this epsidode we discuss the 5 basic steps to become wealthy. Most people don't believe it's possible to become wealthy. Or they possibly FEAR losing money and that fear is what causes them to never start investing. So there is a psychology to investing as well as knowing HOW to invest. Can you do basic things on a smart phone? If you answered "yes" to that question then you can use your phone to become wealthy. The interest rate you earn on your money each year is CRUCIALLY important. Have courage today, to pick one thing, and work on your dreams. We will talk again soon. #debt, #wealth, #retirement, #dividends, #Bitcoin, #Tesla, #MSTR, #STRC, #CLM, #SPYI, #QQQI, #budget, #cascading, #waterfall, #loans, #credit, #cards, #inflation I'm not a financial advisor. This podcast is for education/entertainment purposes only. You will need to do your own research and accept responsibility for the results of any money you choose to invest. I love using Schwab.com to buy/sell stocks/ETF's/closed end funds/options. Schwab has a very user friendly app/website and their customer service is excellent. I can easily get to speak to a human being whenever I have questions. 

Send us Fan MailSeason 3 Episode #29. Not Me, But You! Podcast Follow me/connect with me on X at: Waypa Today. I wanted to alert people that TSYY is going to REVERSE split 8:1 for June 1st, 2026. That means if you are holding 32 shares today, you will only hold 4 shares after June 1st. But the SHARE price will 8X! That means it will go from it's current share price of approximately $3.11/share to $24/share! So since I alreayd own shares of this asset, I will load up on "inexpensive" shares now PRIOR to the reverse split. I will make sure my stack of shares is a number that is divisible by 8! So 32 shares or 40 shares etc. This asset is HIGH YIELD/HIGH RISK! It's current yield is 314%! And it is paying a WEEKLY dividend of about 5 cents/share. We also discuss how it's crucially important to be aware of the interest rate that you earn on your investments. If you doubt this, then think about this: Why do banks who issue credit cards charge us 28% on outstanding credit card balances? Why don't the banks ONLY charge us 4% or 6%? Banks have an understanding of how INFLATIONS affects the purchasing power of money! Do what weatlthy people do: buy/hold assets! Banks and wealthy people have figured out that they need to OUTPACE the true rate of inflation on their investments. My wife and I have 5 college degrees between us. NONE of those degrees taught us how to become wealthy! Have courage today, to pick one thing, and work on your dreams! We will talk again soon. #wealth, #TSYY, #ULTY, #MSTY, #BTC, #Bitcoin, #Splits, #reverse, #investing, #Money, #inflation I'm not a financial advisor. This podcast is for education/entertainment purposes only. You will need to do your own research and accept responsibility for the results of any money you choose to invest. I love using Schwab.com to buy/sell stocks/ETF's/closed end funds/options. Schwab has a very user friendly app/website and their customer service is excellent. I can easily get to speak to a human being whenever I have questions. 

Send us Fan MailSeason 3. Episode #28. Not Me, But You! Podcast. Follow me/connect with me on X at: Waypa Today. Email me at [email protected] Abraham Lincoln quote: "If you want to test a person's character, then give them power!" Davincie Jeremie quote: "Generational wealth begins with ONE risk taker. Let that person be you!" Don't waste time playing the "look back" game. We utilize the "cascading waterfall" approach to investing. Your time is your most valuable asset. So don't waste time playing "the look back" game. Only focus your time/energy on how you can invest today for a better future. Investing to become wealthy involves taking SOME risks. It also take patience. Don't let YOUR distractions separate YOU from YOUR goals! What if you took "FREE" dividend money and did something good with it in your life? What if you took "FREE" dividend money which you EARNED while you were sleeping! Again, your time is your most valuable asset. So protect it. Are you beginning to see HOW important it is for you to earn money WITHOUT having to spend any additional time to earn that money? What you CHOOSE to focus on each day matters. It's important. So be careful about WHAT you choose to focus on. A slice of pizza tastes the same if you have no money or if you are a multi millionaire! Don't be obsessed ONLY with price per share. Look at the price. Note the price/share. But FOCUS on getting MORE cash flow. MORE income! Once you get ENOUGHT income, you're retired IF you want to be. The OTHER important thing to focus on besides cash flow is YIELD>> How much are you going to MAKE as a return on your money? If you doubt that the interest rate earned is UNimportant...then ask yourself WHY do banks typically charge 28% on credit card balances?? Once you HAVE cash flow, start stepping down the RISK. Get some money rolled into LESS risky things that still pay you cash flow! Life CAN be simple. Have courage today, to pick one thing, and work on your dreams. We will talk again soon. #wealth, #freedom, #retirment, #income, #lincoln, #Jermie, #millionaire, I'm not a financial advisor. This podcast is for education/entertainment purposes only. You will need to do your own research and accept responsibility for the results of any money you choose to invest. I love using Schwab.com to buy/sell stocks/ETF's/closed end funds/options. Schwab has a very user friendly app/website and their customer service is excellent. I can easily get to speak to a human being whenever I have questions. 

Send us Fan MailSeason 3, Episode #27. Not Me, But You! Podcast. You can follow me/message me on X at: Waypa Today. Or email me at [email protected]. This podast currently has no sponsors, no patreon, no donations, no buying me a cup of coffee, no super chats etc. Using the "cascading water fall approach" you can take some dividend money and step down risk by putting that dividend money someplace LESS riksy! In this episode I discuss HOW to get your original investment out of dividend producing assets. The answers may shock/surprise you. Have courage today, to pick one thing, and work on your dreams. We will talk again soon. I'm not a financial advisor. This podcast is for education/entertainment purposes only. You will need to do your own research and accept responsibility for the results of any money you choose to invest. I love using Schwab.com to buy/sell stocks/ETF's/closed end funds/options. Schwab has a very user friendly app/website and their customer service is excellent. I can easily get to speak to a human being whenever I have questions. 

Send us Fan MailSeason 3, Episode #26. PART TWO OF TWO on "How To Be Richer Than Elon Musk!" Time is the currency of life! Money is NOT! Have courage today, to pick one thing, and work on your dreams. We will talk again soon. #Elon, #Musk, #STRC, #MSTR, #Dividends, #Retire, #Retirement, #Stocks, #Inflation#coffee, #401K, #Fees, #disclosures, #wealthI'm not a financial advisor. This podcast is for education/entertainment purposes only. You will need to do your own research and accept responsibility for the results of any money you choose to invest. I love using Schwab.com to buy/sell stocks/ETF's/closed end funds/options. Schwab has a very user friendly app/website and their customer service is excellent. I can easily get to speak to a human being whenever I have questions. 

Send us Fan MailSeason 3, Episode #25 of Not Me, But You! Podcast. How To Be Richer Than Elon Musk, Part ONE. Follow me/connect with me on X at: Waypa Today. Email me at [email protected] out on X: Jake GaGain. I use a tweet from this X user that demonstrates that life doesn't really continue to improve significantly AFTER you are already wealthy. It's becoming wealthy that is its OWN reward for you. TIME is our most valuable asset. "Time is the currency of life. NOT money!" Skill set needed to become wealthy: can you push buttons on your phone? Can you pick the bigger number from a set of 2 numbers? That's it! It takes both courage and discipline to HOLD onto stocks that are already bringing you profit! There is a psychology to investing. Have courage today, to pick one thing, and work on your dreams. We will talk again soon. #Time, #Wealth, #Investing, #IRA, #Roth, #MSTY, #ULTY, #STRC, #SPYI, #QQQI, #Elon, #Musk, #Bitcoin, #early adopters, #McDonalds, #Apple, #Tesla, #Psychology I'm not a financial advisor. This podcast is for education/entertainment purposes only. You will need to do your own research and accept responsibility for the results of any money you choose to invest. I love using Schwab.com to buy/sell stocks/ETF's/closed end funds/options. Schwab has a very user friendly app/website and their customer service is excellent. I can easily get to speak to a human being whenever I have questions. 

Send us Fan MailSeason 3, Episode #24. Not Me, But You! Podcast. Connect with me/follow me on X platform at: Waypa Today. Or email me at: [email protected]. I offer private coaching via 1:1  or in a small group. Email me to arrange a FREE 20 minute Zoom call to see if working together makes sense. I am happy to report that some of my coaching clients are successfully making $1,000 to $2,000 per month consistently in cash flow! Bitcoin prices pulled back some (decreased) as oil prices are surging based on concerns of war with Iran. How are prices in our economy influenced? Answer: influenced by inflation. If someone does NOT have a clear understanding of money/interest rates/inflation, then they likely won't understand how VALUABLE Bitcoin will be! We discuss "the K shaped economy" and talk about what it means for you as an individual investor. Why do rich people appear to get richer and poor people get poorer? Mark Twain: It's not what you don't know that gets you into trouble. It's what you know for sure, that simply is NOT true that gets you into trouble! ....Be careful of what you convince yourself of. Is Bitcoin a scam? Not likely. People have been PREDICTING that Bitcoin will crash to ZERO since 2009! It hasn't happened EVER! We discuss the Federal Reserve Bank and why being aware of what "The Fed" does that affects you as an investor. What do wealthy people do? Answer: they buy/hold assets. Some of those assets pay them cash flow. Inflation helps people who HOLD assets, to become wealthier. What's better than simply holding dividend producing assets in a regular brokerage account? Answer: Hold them in an IRA account. What's better than hodling a dividend producing asset in an IRA? Answer: holding it in a ROTH IRA! Then your dividends are 100% TAX FREE, not simply tax DEFERRED. Why does the value of real estate tend to go UP over time, as the real estate becomes OLDER?? Does the value of your real estate increase? Or does the purchasing power of your money decrease CAUSING prices for EVERYTHING To rise?? Have courage today, to pick one thing, and work on your dreams. We will talk again soon. #Real estate, #Saylor, #Bitcoin, #inflation, #money, #currency, #fiat, #MSTY, #ULTY, #wealth, #investing, #IRA, #Roth, #stocks, #retirement #Not MeI'm not a financial advisor. This podcast is for education/entertainment purposes only. You will need to do your own research and accept responsibility for the results of any money you choose to invest. I love using Schwab.com to buy/sell stocks/ETF's/closed end funds/options. Schwab has a very user friendly app/website and their customer service is excellent. I can easily get to speak to a human being whenever I have questions. 

Send us Fan MailSeason 3. Episode #23. Not Me, But You! Podcast. Follow me/connect with me on X at: Waypa Today. I offer 1:1/small group coaching. I have an eduation backgroun unlike most self proclaimed "gurus" online. Email me at WaypaToday@gmail. com. I offer a FREE 20 minute Zoom call to see if working together makes sense for all of us. I offer additional thoughts/perspective on Telsa and why this is ONE of two stocks that I continue to accumulate for LONG term growth. If you want to become wealthy in the next 8 to 10 years...then I suggest doing your own research on this stock. At UNDER $400/share, it's a great time to accumulate. Some barriers are actual barriers we encounter. Many times barriers are PERCEIVED barriers that we believe are real but really are not keeping us from success. I like talking about "situations" and that is PART of my teaching style. This same approach (using situations) is used by professional coaches! Tesla is MORE than just an electric car company. Let's do simple math...12 shares at $340/share = $4,080 invested into Tesla. What will the 12 shares be worth 8 to 10 years from now? Answer: PROJECTED to be worth $96,000!  If you could accumualte 50 shares. 50 X $340/share = $17,000. What is your $17K worth in 6 to 10 years? Answer: PROJECTED to be worth $400,000! Tesla does NOT pay a dividend. Instead this is a long term buy/hold GROWTH play. What IF you could buy/hold dividend producing assets and then USE the dividends to buy Tesla shares??!! This is an example of the "cascading waterfall" approach to investing. Have courage today, to pick one thing, and work on your dreams. We will talk again soon! #Tesla, #Bitcoin, #MSTY, #ULTY, #Dividends, #Wealth, #Roth, #IRA, #Taxes, #Roth Conversion, #Opportunity, #SPYI, #QQQI, #STRC, #Teaching, #Education, #PassionI'm not a financial advisor. This podcast is for education/entertainment purposes only. You will need to do your own research and accept responsibility for the results of any money you choose to invest. I love using Schwab.com to buy/sell stocks/ETF's/closed end funds/options. Schwab has a very user friendly app/website and their customer service is excellent. I can easily get to speak to a human being whenever I have questions. 

Send us Fan MailSeason 3, Episode #22. Not Me, But You! Podcast. Follow me/connect with me on X at: Waypa Today. You can also email me at: [email protected]. I offer 1:1/small group coaching. But my schedule is very full right now. So there is a wait list. Email me to arrange a FREE 20 minute Zoom call to see if it makes sense for us to work together. The price of oil per barrel FELL. The stock market liked the news of  "2 week ceasefire  in the war in Iran!" Bitcoin jumped up in the same day from $68K to $72K! I discuss SPECIFIC investments/assets that anyone can do their own research and then choose to buy/hold! "There is NO speed limit on the highway to success. You can fast. Or you can go slow. The choice is yours!"  We can utilize the "cascading waterfall" approach to investing and EASILY build dividend income of $1,000 to $2,000 PER MONTH! A very SMALL percentage of people retire with $1,000 to $2,000 per month of dividend income NOT including pension checks/social security monthly checks! Have courage today, to pick one thing, and work on your dreams! We will talk again soon. #PLTR, #MSTY, #ULTY, #ICOI, #Bitcoin, #Tesla, #MSTR, #Income, #Wealth, #Dividends, #Yield, #STRC, #SPYI, #QQQI, #CLM, #CRF, #Options, #Pension, #Social Security, #PortfolioI'm not a financial advisor. This podcast is for education/entertainment purposes only. You will need to do your own research and accept responsibility for the results of any money you choose to invest. I love using Schwab.com to buy/sell stocks/ETF's/closed end funds/options. Schwab has a very user friendly app/website and their customer service is excellent. I can easily get to speak to a human being whenever I have questions. 

Send us Fan MailSeason 3, Episode #21. Not Me, But You! Podcast. Happy Easter April 2026!   At this time of year that often centers around themes such as: Joy, Hope, Renewal and Resurrection. 90 plus countries around the globe celebrate Easter. What you believe is your personal choice. I am not here to convince you that my way of thinking about Easter is correct. I am grateful at this time of year and I choose to celebrate. I wish you health and wealth and happiness and peace. Have courage today to pick one thing, and work on your dreams. We will talk again soon. #Easter, #2026, #Jesus, #God, #Religion, #Investing, #Wealth, #Bitcoin, #Income, #Simplicity I'm not a financial advisor. This podcast is for education/entertainment purposes only. You will need to do your own research and accept responsibility for the results of any money you choose to invest. I love using Schwab.com to buy/sell stocks/ETF's/closed end funds/options. Schwab has a very user friendly app/website and their customer service is excellent. I can easily get to speak to a human being whenever I have questions. 

Send us Fan MailSeason 3, Episode #20. Not Me, But You! Podcast. Connect with me/follow me on X at: Waypa Today. Email me at [email protected]. Email me if you're interested in 1:1/small group coaching. I discuss share price and yield and what targets I look for when considering an asset to buy. What do wealthy people do? Answer: They buy/hold assets that pay them income! ICOI is high yield/high risk. But we can take dividend payouts and use that money to purchase LESS risky assets like STRC. Most people who invest in traditional "dividend" assets need to accumualte $400,000 in order to make $2,000/month. But IF you are willing to invest in HIGHER RISK assets, then you need a much smaller pile of money to get the same results! I discuss specific numbers and assets in this episode. Once you reach $2,000/month of dividend income, you are in an elite group of people who have achieved this goal. In this episode I also reveal a BONUS asset I have not mentioned previously that I'm considering investing in. And I explain why and what the investing numbers of this asset mean. Our money is just like our time in that we can only spend either one once! Once we spend time or money, it's gone forever. Have courage today, to pick one thing, and work on your dreams. We will talk again soon. #360%, #11%, #wealth, #investing, #income, #BTC, #Bitcoin, #ICOI, #STRC, #Cash, #Yield, #$2,000/month #portfolio, #SCHDI'm not a financial advisor. This podcast is for education/entertainment purposes only. You will need to do your own research and accept responsibility for the results of any money you choose to invest. I love using Schwab.com to buy/sell stocks/ETF's/closed end funds/options. Schwab has a very user friendly app/website and their customer service is excellent. I can easily get to speak to a human being whenever I have questions. 

Send us Fan MailSeason 3, Episode #19. Not Me, But You! Podcast. Follow me/connect with me on X at: Waypa Today. You can email me at [email protected]. I offere 1:1/small group coaching. Email me to set up a FREE 20 minute phone call to see if working togther makes sense. In this episode I discuss HOW to build your financial pipeline. I name specific assets that I believe will help me grow my portfolio and increase overall wealth. I also discuss perspective and how our perspective affects our investing. Patience is probably the most important personality trait to develop as an investor. I use examples of the classic hot dog commercial, Oscar Meyer from the 1960's. And I also discuss the Marvel movie, Dr Strange! And I explain how these two things related to personal investing! Have courage today, to pick one thing, and work on your dreams! #wealth, #planning, #growth, #stocks, #Telsa, #MSTR, #Bitcoin, #dividends, #strategy, #investing, #MSTR, #ULTY, #CLM, #SPYI, #QQQI, #STRC, #Oscar Meyer, #Marketing, #IRA, #Goals, #Dr Strange, #Yield, #Interest rates, #education, #indoctrination. I'm not a financial advisor. This podcast is for education/entertainment purposes only. You will need to do your own research and accept responsibility for the results of any money you choose to invest. I love using Schwab.com to buy/sell stocks/ETF's/closed end funds/options. Schwab has a very user friendly app/website and their customer service is excellent. I can easily get to speak to a human being whenever I have questions. 

Send us Fan MailSeason 3, Episode #18. Not Me, But You! Podcast. Follow me/Connect with me on X at:  Waypa Today. I offer 1:1/small group coaching. To set up a FREE 15 to 20 minute Zoom call, email me at: [email protected]. XFLT update: reverse split 5:1.  Octagon Floating Rate. Also SMCY/ECC updates. What is better? If I gave you a check for 2 Million dollars? Or if you got monthly cash flow of $4,000 per month? We discuss this scenario and I share my thoughts and perspective. Single stocks I look to accumulate: TESLA, MSTR, and of course Bitcoin! I share my in depth thoughts on WHY Tesla is a great stock to accumulate now! If becoming wealth was EASY, then everyone would already be a millionaire! Have courage today, to pick one thing, and work on your dreams. We will talk again soon! #wealth, #yield, #Bitcoin, #MSTY, #ULTY, #SMCY, #ECC, #XFLT, #Income, #cashflow, #Tesla, #MSTR, #BYD, #BYDDF. I'm not a financial advisor. This podcast is for education/entertainment purposes only. You will need to do your own research and accept responsibility for the results of any money you choose to invest. I love using Schwab.com to buy/sell stocks/ETF's/closed end funds/options. Schwab has a very user friendly app/website and their customer service is excellent. I can easily get to speak to a human being whenever I have questions. 

Send us Fan MailSeason 3, Epsiode #17. Not Me, But You! Podcast. Connect with me/Follow me on X platform at: Waypa Today. Email me at [email protected]. I offer actual 1:1 coaching/small group coaching. Email me and we can arrange a FREE 20 minute call to see if it makes sense for us to work together. Telsa is a long term buy/hold for me. Why? Becasue I believe it has the potential to reach $2,000/share by 2030! Our overall retirment goal should be: get as much money into our Roth IRA. Preferably dividend producing assets which when IN a Roth IRA produce TAX FREE INCOME! Tax free cash flow! Other long term growth plays for me are: MSTR/BitcoinMy weekly goals include: building MORE cash flow. Why? Answer: because our entire lives revolve around cash flow. Also the "cascasding waterfall" approach to investing. Use HIGH YIELD/HIGH RISK dividend money and buy LESS RISKY things. When you do this, your cost basis for the LESS risky things is ZERO! FREE! Additionally, weekly stack some slices of Bitcoin. Why? Asnwer: because there is a LIMITED supply of Bitcoin. No Gov't can MAKE (print) more of it. Buy/hold assets is GREAT weekly goal. Do you think that Michael Saylor, being a Billionairre, and buying Bitcoin all of the time, could be wrong about  Bitcoin as an asset? Answer: It's possible. But NOT likely. Even though people have been talking about a "supply shock" will occur with Bitcoin, eventually this "supply shock" will happen. We just have to stack slices of Bitcoin (save some of your money in Bitcoin), and BE PATIENT. Buy/hold and be patient when it comes to a "strategy" for Bitcoin. I still like less risky assets such as: CLM/STRC/SPYI/QQQI. Pay close attention to the INTEREST rate you earn on your money in ANY inveastment. For me, if it's not at least 14%/year, then I'm often NOT interested in investing in that asset! Have courage today, to pick one thing, and work on your dreams. We will talk again soon. #Tesla, #MSTR, #Bitcoin, #SPYI, #QQQI, #CLM, #MSTY, #ULTY, #ICOI, #Roth, #IRA, #Stocks, #Stock, #Wealth, #Dividends I'm not a financial advisor. This podcast is for education/entertainment purposes only. You will need to do your own research and accept responsibility for the results of any money you choose to invest. I love using Schwab.com to buy/sell stocks/ETF's/closed end funds/options. Schwab has a very user friendly app/website and their customer service is excellent. I can easily get to speak to a human being whenever I have questions. 

Send us Fan MailSeason 3, Epside #16. Not Me, But You! Podcast. Follow me/Connect with me on X at: Waypa Today. If you are interested in 1:1 coaching/small group coaching, or if you simply want to email me please do so at: [email protected]. For potential 1:1 coaching clients, I offer a FREE 20 minute Zoom call so we can figure out if working together makes sense. If you want total freedom and you want to get control of ALL of your time, then you can accomplish that by becoming wealthy. We discuss MSTY/ULTY, simple math and true ROI is in March of 2026. We connect some dots in this episode where we review: the cascading water fall approach to investing. Do you enjoy getting FREE shares of assets that PAY you money?!! Do wealthy people think about money differently from poor people? Consider this: How can I buy an asset that will bring me the money I need to make a purchase?! We answer the question: How do wealthy people think about money differently from poor people? I name HIGH YIELD/HIGH RISK assets that I invest in. Then I take the dividend money from these HIGH RISK assets and put the money into LESS risky things. My cost bases for the less risky assets is ZERO! And I do other positive things in my life with the money! I didn't have to do extra work or take on a 2nd job to make this money! I simply pushed buttons on my phone! Lawrence Lepard: "Most people chase price and vomit (throw up) on deep value opportunities." Have courage today, to pick one thing, and work on your dreams. We will talk again soon! I'm not a financial advisor. This podcast is for education/entertainment purposes only. You will need to do your own research and accept responsibility for the results of any money you choose to invest. I love using Schwab.com to buy/sell stocks/ETF's/closed end funds/options. Schwab has a very user friendly app/website and their customer service is excellent. I can easily get to speak to a human being whenever I have questions. 

Send us Fan MailSeason 3, Episode #15. Not Me, But You! Podcast. Connect with me/Follow me on X at: Waypa Today. Email me at [email protected] I offer 1:1 coaching/small group coaching. To set up a FREE 20 minute zoom call to see if it makes sense for us to work together, email me. The USA is at war with Iran. How will this affect financial markets. As predicted, it appears that the Strait of Hormuz has been closed which will affect the flow of oil. So expect oil and gas prices to rise. But I am not a huge fan of these situational plays. Instead, I prefer to simply continue building cash flow because I like income. An ironic and surprising fact is that investing and how to become wealthy is NOT taught in schools. Poor peopel are focussed on buying things (being consumers) and wealthy people are focussed on buying assets. Becoming wealthy is heavily influenced by your midnset about money. Your time is your most valuable asset. How do you free up all of your time? Answer: you become very wealthy. Investing involves RISK. But everyone is searching for the "risk free, 100% guranteed" investment. It does NOT exist. Stop looking for it. #Iran, #War, #Bitcoin, #OIH, #XLE, #CLM, #Wealth, #Oil, #IRA, #ROTH, #Stocks, #ETF's, #Assets, #Consumers, #Mindset, #Diet, #HealthI'm not a financial advisor. This podcast is for education/entertainment purposes only. You will need to do your own research and accept responsibility for the results of any money you choose to invest. I love using Schwab.com to buy/sell stocks/ETF's/closed end funds/options. Schwab has a very user friendly app/website and their customer service is excellent. I can easily get to speak to a human being whenever I have questions. 

Send us Fan MailSeason 3, Epsiode #14. Not Me, But You! Podcast. Connect with me/Follow me on X at: Waypa Today. You can email me at [email protected]. I offer 1:1 coaching and small group coaching (no more than 3 people).  Email me to arrange a FREE 20 minute Zoom call to see if it makes sense for us to work together. The 2 and 20 rules of investing are the FEES that traditional money managers and financial planners charge their clients. Remember that the professionals make the MOST amount of THEIR personal income from charging their clients fees! These professionals do NOT make most of their personal income by INVESTING in the things they will suggest you invest in. If you want TOTAL FREEDOM then you need to build your own cash flow, your own income stream. The Gov't is NOT coming to save you! However, you can learn to do this on your own, by simply pressing buttons on your phone and doing your own reserach. Have courage today, to pick one thing, and work on your dreams. We will talk again soon!#SPYI, #QQQI, #Freedom, #CLM, #managment, #planning, #Bitcoin, #2&20, #sector, #rotation, #brokerage, #IRA, #Roth, #ULTY, #MSTY, #stock, #analysis, #Tesla, #MSTR I'm not a financial advisor. This podcast is for education/entertainment purposes only. You will need to do your own research and accept responsibility for the results of any money you choose to invest. I love using Schwab.com to buy/sell stocks/ETF's/closed end funds/options. Schwab has a very user friendly app/website and their customer service is excellent. I can easily get to speak to a human being whenever I have questions. 

Send us Fan MailSeason 3, Episode #13. Not Me, But You! Podcast. Connect with me, Follow me on X at: Waypa Today. I do offer 1:1/small group coaching. To arrange a FREE 14 to 20 minute call email me at: [email protected] to see if it makes sense for us to work together. According to 2026 data, the MEDIAN (not average bue MEAN data point) American has at retirement: $95,000 to $186,000 saved in retirement accounts. Notice it's not a MILLION dollars or even 2 or 3 MILLION dollars! The Median annual household income annualy  is approximately is $58,000. And target vs. reality, retirees often FEEL they need $800,000 in order to retire. Yet the MEDIAN savings is MUCH less! And 4 out of 10 workers aged 45 to 64 have ZERO retirment accounts! SCHD pays a yearly yield of 3.3%. Is that a "great" interest rate to earn on your money? Compare this interest rate with what banks charge for credit cards: 14% or 18% or 28% or 32% etc! Just because there is NO share price erosion with SCHD, doesn't ALONE make it a great investment. You also have to consider the INTEREST RATE you are earning on your money. And THEN you have to COMPARE that ROI with the TRUE RATE of inflation (the rate at which prices are rising for everything you buy!) If you had $300,000 to invest and ONLY earned 3%/year that would generate $9,000/year which means you would get on average, monthly, $750/MONTH!. Can you live on $750 per month of income?? Yield on SPYI is 12%/year. Yield on QQQI is 14%/year. Just because you have more MONEY in your portfolio statement this year compared to last year, does NOT automatically mean you are "doing great!" What DOES determine IF you are doing great or NOT, is to calculate what is your actual ROI (return on investment percentage) from year to year. If you're portfolio is NOT growing at least 14% per YEAR, then you probably are NOT doing great! Your primary goal as an investor is to OUTPACE the TRUE rate of inflation!  Not the reported inflation number which is NOT reality and not reflective of actual rise in prices in real life on a yearly basis. The best time to buy some Bitcoin is TODAY! Your overall retirement goals should include stacking some Bitcoin AND getting most of your cash/assets INTO your Roth IRA. Why the Roth IRA? Answer: So you can withdraw money 100% TAX FREE! Have courage today, to pick one thing, and work on your dreams. We will talk again soon. #debt, #Bitcoin, #retirment, #Stocks, #MSTY, #ULTY, #SPYI, #QQQI, #CLM, #ROTH, #IRA, #Exercise, #Credit, #coaching, #wealth I'm not a financial advisor. This podcast is for education/entertainment purposes only. You will need to do your own research and accept responsibility for the results of any money you choose to invest. I love using Schwab.com to buy/sell stocks/ETF's/closed end funds/options. Schwab has a very user friendly app/website and their customer service is excellent. I can easily get to speak to a human being whenever I have questions. 

Send us Fan MailSeason 3, Episode #12. Not Me, But You! Podcast. Connect with me/Follow me on X at: Waypa Today. Or send a message to me via email to: [email protected]. I offer 1:1/small group coaching. Email me to set up a FREE 20 minute call to determine if it makes sense for us to work together. In the last episode we talked about "sector rotation" in the stock market. Charles Payne, not a sponsor of this podcast, is a big sector rotation guy. I follow him but do NOT subscribe to any of his sales products. If you sign up for his free webinar, you won't see much screen time of Charles. You will spend a lot of time with an "instructor" who is really masquerading as a teacher but is actually a paid sales person who will attempt to convince you to pay approximately $4,000 to get access to Charles' stock picks for 12 months. I don't do that and I haven't done that. I can find stocks on my own withou paying a "subscription" for someone to do it for me. If you want to, you can simply research the 11 different sectors of the stock market yourself! In this episode I also review some recent headlines in finance with companies like Apple, Meta, Walmart, etc. I also review the cost of these name brand stocks and then compare them to high yield/high risk dividend assets. Typically, we invest for either growth (buy/hold) or income (immediate). I believe in CASH FLOW! If you grow your income stream FIRST, then you will find it easier to buy/hold shares of stocks like: Meta, Microsoft, Apple, Walmart, Home Depot etc. All markets are manipulated, however, we can still find ways to consistently make money IN those manipulated markets. Don't be afraid to "vote" with your pocketbook or wallet in life. Where you choose to spend your money can influence people/behavior. We talk about overcoming failure and fear of failure. It's possible to change your perspective on situations if you learn to think about them differently. I expect a "bumpy ride" in the markets from now until May/June 2026. Be cautious when you research "best performing dividend stocks" because you will get stocks that are EXPENSIVE in price/share. We compare/contrast these with some high yield/high risk assets. I review my process (the "cascading waterfall approach" to investing) that I utilize when evaluating when to invest and when to grow my positions (my stack of shares) for assets. The most important thing you can do today, after doing some research, is to take action. If you enjoy this podcast and/or get some value from it, consider sharing an episode with some of the people that you know. #Investing, #ULTY, #MSTY, #Roth, #IRA, #Payne, #Webinar, #income, #Bitcoin, #sectors, #stocks, #FED, #Rates, #cash, #apple, #walmart, #microsoft, #meta I'm not a financial advisor. This podcast is for education/entertainment purposes only. You will need to do your own research and accept responsibility for the results of any money you choose to invest. I love using Schwab.com to buy/sell stocks/ETF's/closed end funds/options. Schwab has a very user friendly app/website and their customer service is excellent. I can easily get to speak to a human being whenever I have questions. 

Send us Fan MailSeason 3, Episode #11. Not Me, But You! Podcast. Follow me/Connect with me on X at: Waypa Today. I offer 1:1/small group coaching. For set up a FREE 20 minute call email me at [email protected]. You can also message me at that email if you do NOT have an X account. We discuss Bitcoin price movement and Solana price movement with future projections relative to price. Also discuss how tech stocks are getting "hammered" in the market and also discuss "sector rotation" as a technique to use within your portfolio. Investors who use the sector rotation method are investing into "real economy" stocks that are contained in certain stock market sectors. Energy, Materials, Industrial, Consumer Staples, Utility and Healthcare sectors. NOTHING beats INCOME(Cash Flow!). MSTY and ULTY are STILL paying WEEKLY dividends! Charlie Munger: "The big money is not in buying/selling..." Single stocks for growth I'm buying/holding: Tesla/MSTR/Nvidia. We do a quick review of how to manage option positions where shares of stock have been assigned. Have courage today, to pick one thing, and work on your dreams. We will talk again soon. #Dividends, #Sectors, #Options, #MSTY, #ULTY, #Income, #Cash, #Flow, #Stocks, #Wealth, #IRA, #Economics, #Budget , #TimeI'm not a financial advisor. This podcast is for education/entertainment purposes only. You will need to do your own research and accept responsibility for the results of any money you choose to invest. I love using Schwab.com to buy/sell stocks/ETF's/closed end funds/options. Schwab has a very user friendly app/website and their customer service is excellent. I can easily get to speak to a human being whenever I have questions. 

Send us Fan MailSeason 3, Episode #10, Not Me, But You! Podcast. Connect with me/Follow me on X at: Waypa Today. I offer 1:1/small group coaching. You can email me at [email protected] to set up a FREE 15 to 20 minute call to see if it makes sense for us to work together. In this episode we do a deep dive on Roth IRA's. We also discuss Traditional IRA's and Roth Conversions. There are only TWO requirements in order for you to be able to withdraw 100% TAX FREE from your Roth IRA account: One -be age 59 1/2 or older and Two -have had your Roth IRA open for at least 5 years. Remember that you can own income producing assets INSIDE of your Roth IRA so that you can eventually withdraw JUST The INCOME and pay ZERO TAX on it! How nice is that? Not even a Traditional IRA offers you chance to do that. My overal goal at Full Retirement (as when I stopped working forever) was to have MOST of my money/assets in the Roth IRA and have as LITTLE as possible in the Traditional IRA. You can have MULTIPLE Roth IRA's and MULTIPLE Traditional IRA's. You just have stay within the yearly contribution amounts ACROSS ALL of your IRA accounts. Max amount you can contribute to ALL IRA's depends on your age. If younger than age 50 you can contribute $7500 per year. If you are older than age 50 you can contribute $8,600 per year. Those amounts are the MAX amount you can contribute. But they do NOT count against and are NOT part of ANY Roth Conversion amount. Roth conversions have NO dollar limit. Have courage today, to pick one thing, and work on your dreams. #Bitcoin, #Roth, #IRA, #Retirment, #Taxes, #No Tax, #MSTY, #ULTY, #contribution, #wealth, #back-door-Roth I'm not a financial advisor. This podcast is for education/entertainment purposes only. You will need to do your own research and accept responsibility for the results of any money you choose to invest. I love using Schwab.com to buy/sell stocks/ETF's/closed end funds/options. Schwab has a very user friendly app/website and their customer service is excellent. I can easily get to speak to a human being whenever I have questions. 

Send us Fan MailSeason 3, Episode #09 Not Me, But You! Podcast. Follow me/Connect with me on X at: Waypa Today. I offer 1:1/small group coaching. Email me at [email protected] to set up a FREE 15 to 20 minute call to see if it makes sense for us to work together. Remember that our entire lives revolve around "CASH FLOW!" And also keep in mind, that we likley need to average an ROI 14%/year on our portfolio, in order to KEEP PACE or stay ahead of the TRUE rate of inflation. If you got $600/month for 12 months/year.  600 X 12 = $7,200/year of income. To calculate ROI =  $7,200/$300,000 = ROI (return on investment) of 0.024 = 2.4%/year. That is a very crappy ROI. And this calcuation is BEFORE we factor in the year-to-year inflation rate! Above I have just shared the math that proves WHY I don't like "safe" investments or "guaranteed" money. That type of money often comes with a cost because the entity "guaranteeing" you a monthly check IS ABSOLUTELY investing what USED to be your money, at MUCH, MUCH, MUCH higher rates of return and keeping the difference. Food for thought. AND...your "guranteed" monthly check often does NOT ever increase, so you don't EVER get an adjustment for INFLATION! Instead you are living on a "fixed income." If you have money sitting in a PREVIOUS employer's 401K account... you can ROLL ALL of that money into a Traditional IRA and this is NOT a taxable event. Then once the money is in your traditional IRA, you can invest it any way you choose, at MUCH, MUCH, MUCH higher rates of return. Have courage today, to pick one thing, and work on your dreams. We will talk again soon. #IRA, #401K, #Bitcoin, #MSTY, #ICOI, #OARK, #dividends, #ULTY, #ETF's, #Investing, #Wealth, #retirement, #annuity, #Inflation, #YouTubeI'm not a financial advisor. This podcast is for education/entertainment purposes only. You will need to do your own research and accept responsibility for the results of any money you choose to invest. I love using Schwab.com to buy/sell stocks/ETF's/closed end funds/options. Schwab has a very user friendly app/website and their customer service is excellent. I can easily get to speak to a human being whenever I have questions. 

Send us Fan MailSeason 3, Episode #08 of Not Me, But You! Podcast. Connect with me/follow me on X at: Waypa Today. I offer 1:1 or small group coaching. You can message me at [email protected] to set up a FREE 15 to 20 minute call to see if working together makes sense for us! Investing invovles Psychology and Behavior. This is a constant that each investor needs to be aware of so that we don't make emotional decisions and panic sell and by doing so, we hurt ourselves financially. I am NOT selling my Bitcoin. Why? Answer: Because I believe the price will go back up. People will often play "the look back game." In this game they note the price today and then lament that they didn't invest when the price was less! Do NOT spend your valuable time playing this game. It IS a waste of your valuable time. Instead look at today and figure out WHAT you can do TODAY and then look forward. What is often true is that WEALTH is built when you invest and feel uncomfortable. Possibly you even feel terrifed to invest! Investing is a financial "blood sport." If it was easy, then everyone would already be a multi millionaire! Long term growth and hold plays for me are: Bitcoin, MSTR stock, Tesla stock. But I'm not planning on selling ANY shares of Tesla for about 9 or 10 years! Having this longer term outlook will help you to be successful as an investor. Time IN the market as an investor is MUCH more important than you or I TRYING to time the market! If you focus FIRST on building cash flow, then once you have your cash flow "pipeline" in place, you will ALWAYS have extra cash to invest in growth opportunities. Taking a BALANCED approach to your portfolio is a winning strategy. Panic selling and LOCKING IN HUGE losses is NOT a winning strategy. If you have a combination of BOTH high yield/high risk assets AND LESS risky assets, then you will sleep better at night. You will also be able to "weather" the financial storms in the market more easily. I mention a helpful website in this episode and I talk briefly about Charles Payne and tell you how to get a copy of his book at a discount. Have courage today, and pick one thing, and work on your dreams. We will talk again soon! #Bitcoin, #ETF's, #Income, #MSTY, #ULTY, #cash, #wealth, #Tesla, #MSTR,  #Payne, #gambling, #psychology, #behavior, #Unbreakable Investor, #Cony, #Smcy, #Oark, #STRCI'm not a financial advisor. This podcast is for education/entertainment purposes only. You will need to do your own research and accept responsibility for the results of any money you choose to invest. I love using Schwab.com to buy/sell stocks/ETF's/closed end funds/options. Schwab has a very user friendly app/website and their customer service is excellent. I can easily get to speak to a human being whenever I have questions. 

Send us Fan MailSeason Three, Episode #07 Not Me, But You! Podcast. Connect with me/follow me on X at: Waypa Today. Email me at [email protected]. I offer 1:1 and small group coaching. Email me for a FREE 15 to 20 minute call to see if it makes sense for us to work together. This podcast, although small when compared to National podcasts, is still downloaded in multiple countries across the globe and in over 1,500 cities. So my point is, even with a small podcast, you can still reach large numbers of people. If you are thinking of starting your own podcast, just do it. Follow the general outline I provide in this episode. I also mention two of my other episodes where I go step-by-step on how to set up, record, edit, upload etc. I use Buzzsprout to upload this podcast to multiple podcast platforms including Apple podcasts and Spotify. Please consider leaving a 5 star review and/or following on Spotify. The more reviews the podcasts receives, the easier it will be for like-minded people to find it. I also review in this episode some highlighted episodes from 2025 that contain key concepts for investing. Have courage today, to pick one thing, and work on your dreams. We will talk again soon. #Podcasting, #Bitcoin, #dividends, #income, #MSTY, #ULTY, #Editing, #Uploading, #ETF's, #Wealth. I'm not a financial advisor. This podcast is for education/entertainment purposes only. You will need to do your own research and accept responsibility for the results of any money you choose to invest. I love using Schwab.com to buy/sell stocks/ETF's/closed end funds/options. Schwab has a very user friendly app/website and their customer service is excellent. I can easily get to speak to a human being whenever I have questions. 

Send us Fan MailSeason 3, Epside #6. Not Me, But You! Podcast. Your entire life revovles around cash flow. So why not build a cash flow pipeline using the "Cascading Waterfall" approach to investing? Follow me/Connect with me on X at: Waypa Today. Email me at [email protected]. I offer 1:1 coaching/small group coaching. Email me to set up a FREE 15 to 20 minute call to see if it makes sense for us to work together. I don't often discuss single stocks for growth. But in this episode we review both Tesla and MSTR. Projected possible share price for Tesla is $9K to $30K by 2035! If that projection is even HALF correct, it's worth it to accumulate shares of Tesla. MSTR, as a company, holds hundreds of thousands of Bitcoin on its balance sheet! My opinion, is that both of these company's share price can significantly increase over the next 10 years. If you own shares inside of your Roth IRA, then your gains will be potentially be 100% tax free, if you meet the two requirements for Roth IRA accounts. Some stock trading platforms permit you buy FRACTIONAL shares of the stock. This option makes it very affordable to accumualte. I also review the "Cascading Waterfall" approach to investing. Avoid playing "The Look Back" game as an investor. It is NOT helpful. Be forward looking and forward thinking. No matter what, keep working on and building cash flow for WEEKLY/MONTHLY income. And keep "saving money" in Bitcoin. Keep buying "slices" of a whole Bitcoin. Have courage today, to pick one thing, and work on your dreams. We will talk again soon! #Bitcoin, #Dividends, #Tesla, #MSTR, #Growth, #Wealth, #Fractional Shares, #MSTY, #ULTY, #CLM. I'm not a financial advisor. This podcast is for education/entertainment purposes only. You will need to do your own research and accept responsibility for the results of any money you choose to invest. I love using Schwab.com to buy/sell stocks/ETF's/closed end funds/options. Schwab has a very user friendly app/website and their customer service is excellent. I can easily get to speak to a human being whenever I have questions. 

Send us Fan MailSeason 3, Episode #05 Not Me, But You! Podcast. Connect with me/Follow me on X at: Waypa Today. Or you can email me at [email protected]. I offer 1:1/small group coaching. Email me and we can set up a FREE 15 to 20 minute call to see if working together makes sense. I was dissappointed in the dividend payout of only 0.50 cents/share for ICOI this month. However, even at a hypothetical $0.50 cents/share payout EACH month, that would still equal a yield of approximately 40% per year! And ICOI is trading at around $15/share at the time of this episode was recorded. Being a successful investor, long term, requires mental toughness. Not even the best investors in the WORLD, are right 100% of the time! We can prepare for these situations BEFORE we actually encounter them! That way we know better how to handle the situation. I continue to build/hold postions in several ETF's that we discuss. Also, I cover WHY it's important to have the 3 types of brokerage accounts: regular brokerage account/Traditional IRA/Roth IRA. Especially the ROTH IRA. Also, we discuss retirement strategies like doing Roth Conversions and deciding when it makes sense to start taking monthly Social Security checks based on. your retirement age/portfolio size/level of weekly/monthly dividend income. I talk about my strategy of the "cascading waterfall" and why that investment approach works so well for me. We touch upon how a person could potentially retire with a TOTAL porfolio of about $80,000. You don't need 2 Million dollars to retire if you have INCOME!. Have courage today, to pick one thing, and work on your dreams. We will talk again soon! #SS, #social security, #OARK, #MSTY, #ULTY, #QQQI, #SPYI, #divdends, #income, #stocks, #Bitcoin, #Roth, #IRA, #Schwab, #Fidelity,  #Robinhood, #Nvidia. I'm not a financial advisor. This podcast is for education/entertainment purposes only. You will need to do your own research and accept responsibility for the results of any money you choose to invest. I love using Schwab.com to buy/sell stocks/ETF's/closed end funds/options. Schwab has a very user friendly app/website and their customer service is excellent. I can easily get to speak to a human being whenever I have questions. 

Send us Fan MailSeason 3, Episode #4 of Not Me, But You! Podcast. Connect with me/Follow me on X at: Waypa Today. I do offer 1:1 and small group  coaching. Please email me at WaypaToday @gmail.com to set up a FREE 15 to 20 minute call to see if working togther makes sense. Should we sell ALL shares of MSTY and ULTY to move the money into LESS risky things? We discuss whether doing this makes sense or not. We discuss potential tax implications of selling assets. Managing risk and managing your own emtions are two very important things we all need to learn to do effectively, or we will lose LOTS of money as investors! Bitcoin is back up over $95,000 per coin! I like ICOI, which IS a Bitcoin play but also very HIGH RISK and HIGH YIELD! Do your own reserach BEFORE you invest!  Yield at time of this recording is 221% PER YEAR! Less than $18/share. Pays MONTHLY dividend. Rich people who tell us to invest in Apple stock are not wrong. But rich people ALREADY have cash flow. Put your cash flow in place FIRST. Then buy Apple and other Mag 7 stocks that are longer term GROWTH plays. They are NOT INCOME stocks. Apple stock pays a dividend of 0.04%!!!! LESS than one percent per year. MSTY and ULTY have NEVER stopped paying dividends, even with the recent REVERSE split late last year. The "cascasding waterfall" approach to investing takes into account that SOME of these high yield/high risk ETF's WILL reverse split. But IF your investment goal is INCOME...then how important is the share price? How imnportant is the reverse split? You are NOT investing in these ETF's for GROWTH. You are investing for INCOME! Build your cash flow pipeline. It's the pathway to freedom. IF you choose to sell all of your shares of MSTY/ULTY you also LOSE the weekly dividends! No more dividend INCOME and you're locking in HUGH losses when you sell. #Dividends, #BTC, #Bitcoin, #ICOI, #MSTY, #ULTY, #SPYI, #QQQI, #CLM, #Stocks, #ROTH IRA, #IRA, #Roth Conversions. I'm not a financial advisor. This podcast is for education/entertainment purposes only. You will need to do your own research and accept responsibility for the results of any money you choose to invest. I love using Schwab.com to buy/sell stocks/ETF's/closed end funds/options. Schwab has a very user friendly app/website and their customer service is excellent. I can easily get to speak to a human being whenever I have questions. 

Send us Fan MailSeason 3, Episode #3 of Not Me, But You! Podcast. Connect with me/follow me on X at: Waypa Today. If you want to email me you can message me at [email protected]. I do offer 1:1 and small group coaching. Email me to set up a FREE 15 to 20 minute phone call to see if working together makes sense for us. We discuss the power of "relentless routines." Taking action (getting started) is the key to achieving your goals. You do NOT need $2,000,000 to retire! Instead, you can build CASH FLOW weekly/monthly and live off the dividends(option income). NEVER sell assets with this approach to retirement. Apple stock and Nvidia stock are greate GROWTH plays. But the ONLY way to capture profit is by SELLING some shares. With INCOME plays, you get cash flow WITHOUT ever selling any shares of the asset! Your ENTIRE life revolves around cash flow. You probably never thought about it this way previously, but it IS true! I invest in a MIX of TRUE HIGH YIELD/HIGH RISK assets that pay me weekly/monthly cash flow. But I BALANCE my portfolio by ALSO investing in LESS riskly things. I also continue to stack Bitcoin. I teach the "Cascading Waterfall" approach to investing. But DO YOUR OWN research. I am not a financial advisor. I am relaying to you what I DO! You have to decide what you want to do with your money! Have courage today, to pick one thing, and work and your dreams. We will talk again soon! #Mag 7, #ULTY, #MSTY, #Dividends, #Cash Flow, #Bitcoin, #Apple, #Nvidia, #Share Price Erosion, #QDTE, #ICOII'm not a financial advisor. This podcast is for education/entertainment purposes only. You will need to do your own research and accept responsibility for the results of any money you choose to invest. I love using Schwab.com to buy/sell stocks/ETF's/closed end funds/options. Schwab has a very user friendly app/website and their customer service is excellent. I can easily get to speak to a human being whenever I have questions. 

Send us Fan MailSeason 3, Episode #2 Not Me, But You! Podcast. Podcast stat update: 13 different countries and 100 different cites over the last 5 podcast episodes. Thank you for listening/downloading. Follow me/Connect with me on X at: Waypa Today. Send me an email at [email protected]. I offer 1:1 coaching/small group coaching. Email so we can set up a FREE 15 to 20 minute call to see if it makes sense for us to work together. Relentess Routines help us with investing, attacking bad debt, eating healhty, exercising consistently etc. One of my favorite quotes is: "On the highway of SUCCESS, there is no speed limit. You can go fast or slow. The choice is YOURS!" We can make money, simply by pusing buttons on our phones. If you have an internet connection, you can live anywhere in the world you choose. And you will still have cash flow weekly/monthly as long as you keep "relentlessly" buying/holding assets. After all, what do rich people do? Answer: they buy/hold assets, some of which bring them income! Inflation is the silent financial killer. Too many people retire and miscalculate the devastating effect that inflation will have on their fixed monthly income! If you utilize margin loans, responsibly, in your brokerage account, you can more quickly grow your account balance. These margin loans do NOT show up on your credit report! If you want to drop your car loan balance, "like a rock" then use some of your dividends, to make PRINCIPAL ONLY payments to pay your car loan off much faster than simply making your scheduled monthly payment. Initially, when evaluating a potential investment: Nothing is more important than the yield, the ROI(return on investment), the share price history, the dividend history and dividend schedule (weekly, monthly, quarterly etc.) Have courage today, to pick one thing, and work on your dreams. We will talk again soon. #MSTY, #ULTY, #Loans, #Car Loans, #Inflation, #Bitcoin, #Cash #Retirement #Retire, #Income, #ETF's, #Margin, #ROTH IRA, #IRA, #QQQI, #SPYI, #CLM, #CRF, #BTCI, #OARK, #SMCY, #ROI, #Yield, #Share price, #Time I'm not a financial advisor. This podcast is for education/entertainment purposes only. You will need to do your own research and accept responsibility for the results of any money you choose to invest. I love using Schwab.com to buy/sell stocks/ETF's/closed end funds/options. Schwab has a very user friendly app/website and their customer service is excellent. I can easily get to speak to a human being whenever I have questions. 

Send us Fan MailSeason 3, Episode #1 of Not Me, But You! Podcast. Happy New Year! Welcome to Season THREE! January 2026. To connect with me/follow me on the X platform at: Waypa Today. Email or message me at [email protected]. I offer 1:1 or small group coaching. Email me to set up a FREE 15 to 20 minute call to see if it makes sense for us to work together. We discuss both Traditional IRA's and Roth IRA's. What are they? How are they different? Why do you need both types of IRA's? What is a Roth conversion? How can this benefit us? Is there a cost to do a Roth conversion? We discuss and answer all of these questions. What can you do with cash flow? Answer: Anything you want! That's what makes it so valuable! Your entire life, whether your realize it or not, revovles around cash flow. Basically: Traditional IRA' accumulate TAX DEFERRED. And Roth IRA's accumulate TAX FREE, as in you pay ZERO taxes, IF you meet the two conditions. We discuss these in depth in this epidsode. We also discuss what is an RMD? And how do RMD's relate to your IRA accounts. We also talk about 401K's and 403B's and what they have to do with IRA's. Cash is trash! We save our money in Bitcoin to protect our future purchasing power. What actually drives inflation and what causes the purchasing power of cash to decline? I belive that 2026 is going to a great year for investors full of opportunities to make money and build cash flow and grow wealth! Have courage today, to pick one thing, and work on your dreams! We will talk again soon. #IRA, #Roth, #Roth IRA, #Traditional IRA, #Bitcoin, #Wealth, #Investing, #ETF's, #Income, #Taxes, #MSTY, #ULTY, #QQQI, #SPYI, #401K, #403B, #RMD's, #Assets, #Stocks, #Dividends I'm not a financial advisor. This podcast is for education/entertainment purposes only. You will need to do your own research and accept responsibility for the results of any money you choose to invest. I love using Schwab.com to buy/sell stocks/ETF's/closed end funds/options. Schwab has a very user friendly app/website and their customer service is excellent. I can easily get to speak to a human being whenever I have questions. 

Send us Fan MailSeason 2, Episode #115 Not Me, But You! Podcast. Happy New Year! Welcome 2026! This is the FINAL episode of Season 2. We start Season 3 next in 2026. Follow me/connect with me on X at: Waypa Today. You can also send me messages at [email protected]. If you are interested in 1:1 coaching or small group coaching, then contact me to set up a FREE 15 to 20 minute phone call to see if it makes sense for us to work together. What are you choosing to focus on? As an investor we can choose to pay more attention to certain things and ingore other things. We do this on a daily basis. And as investors we can wish that we invested differently in the past. But that doesn't help us today and looking forward. Instead keep your focus on what you can change or do differently today and moving forward. Don't play "the look back game" by saying, "I wish I would have invested..." You can't go back and buy Bitcoin at $700/coin. You can't go back in time and buy gasoline at 65 cents/gallon. Those days have passed us by. Those times are gone and are now in the past. Leave them there! Focus on what you CAN invest in today and moving forward. Build cash flow because your entire life revolves around cash flow. If you build enough cash flow, you gain total freedom over your time. You won't have to work in your small business, unless you want to. You won't have to go to your 9am-5pm job, unless you want to. I believe in 2026 Bitcoin will go to $130,000 plus per coin! We have liquidity coming back to financial markets in 2026. The outlook is bright. I am hopeful and I expect that 2026 will be a great year for investors. Don't forget to balance your portfolio with LESS risky things like SPYI and QQQI. Keep stacking shares of these ETF's that don't experience any significant share price erosion. They still pay 12% to 14% per year on your money! I hope you had a great 2025. If you did not, then let''s make 2026 a better year. Wishing you health, wealth, happiness and peace. And most of all, have courage today, to pick one thing, and work your dreams. We will talk again soon! #Entrepreneur, #Wealth, #Income, #Cashflow, #Stocks, #ETF's, #Bitcoin, #Health, #Retirement, #MSTY, #ULTY, #SPYI, #QQQI, #CLM, #Retirement, #Education, #Investing, #ROTH, #Conversion, #Traditional IRA, #budget I'm not a financial advisor. This podcast is for education/entertainment purposes only. You will need to do your own research and accept responsibility for the results of any money you choose to invest. I love using Schwab.com to buy/sell stocks/ETF's/closed end funds/options. Schwab has a very user friendly app/website and their customer service is excellent. I can easily get to speak to a human being whenever I have questions. 

Send us Fan MailSeason 2, Episode #114 of Not Me, But You! Podcast. Merry Christmas 2025! Happy Holidays to all of you. Connect with me/Follow me on X at: Waypa Today. I offer 1:1 coaching/small group coaching. Email me at: [email protected] to set up a FREE 14 to 20 minute call, to see if it makes sense for us to work together. Thank you for all of the listens and downloads. I enjoy this time of year because it gives me an opportunity to spend time with my family and to reflect back on the year that has just passed. I'm looking forward to 2026. I believe it will be a year with many opportunites for investors. With the podcast, we will be starting Season Three in January 2026. I review again "the cascading waterfall approach" that I use for investing where I utilize high yield/HIGH RISK ETF's as ONE of the financial tools, in my financial toolbox! I also review the "options wheel strategy" and how we can use it to make additional income! Key takeaway: ALWAYS know the interest rate you are earning on your money, especially if your income payment is "GUARANTEED!" I hope you had time to enjoy this holiday season and to spend time with those that are important to you in life! Have courage today, to pick one thing, and work on your dreams. We will talk again soon! #Options, #Bitcoin, #Dividends, #Christmas, #2025, #Wealth, #Income, #Cashflow, #Podcast, #Stock Analysis, #CLM, #SPYI, #QQQI I'm not a financial advisor. This podcast is for education/entertainment purposes only. You will need to do your own research and accept responsibility for the results of any money you choose to invest. I love using Schwab.com to buy/sell stocks/ETF's/closed end funds/options. Schwab has a very user friendly app/website and their customer service is excellent. I can easily get to speak to a human being whenever I have questions. 

Send us Fan MailSeason 2, Episode #113 Not Me, But You! Podcast. In January 2026 we will starting Season THREE of the Not Me, But You! Podcast. Connect with me/Follow me on X at: Waypa Today. I offer a FREE 15 to 20 minute call if you are interested in 1:1 coaching or small group coaching (no more than 3 people). To set up a free call or simply message me about any topic at: [email protected] Investing will test your patience. Avoid the feeling of wanting to "panic sell." The Navy Seals in their training, get taught how powerful the word "UNTIL" can be. You will fight "until" you can win or escape etc. The same concept is true for investing. It's OK to make mistakes. It's not the end of your life or the world if you mess up. You can keep investing "until" you are eventually successful and ultimately wealthy. What can you do with cash flow? Answer: anything you want. That's what makes it SO POWRFUL. So build your cash flow (your income) weekly and monthly. Your ultimate goal to be a successful investor is: to stay ahead of the TRUE rate of inflation. I do not consider investments unless I can earn at least 14% or MORE per year! Otherwise, it's not worth my time or my money! By staying ahead of the TRUE rate of inflation, you "outrun" the cash debasement that money printing causes. Each time money is "printed" your PURCHASING POWER decreases of ALL the money you have saved/invested. So the interest rate you earn on your money is EXTREMELY important. Stabilize your portfolio with LESS risky assets that have little to no share price erosion. That does not mean you totally avoid high yield/HIGH risk assets like MSTY or ULTY. They have a place in your portfolio. But they should not be your ENTIRE portfolio. You have to balance your portfolio with assets like SPYI and QQQI and CLM etc. I utilize what I call "the cascading waterfall" approach to investing. Have courage today, to pick one thing, and work on your dreams. We will talk again soon. #MSTY, #ULTY, #KYLD, #Bitcoin, #Income, #Cash flow, #wealth, #Not Me But You!, I'm not a financial advisor. This podcast is for education/entertainment purposes only. You will need to do your own research and accept responsibility for the results of any money you choose to invest. I love using Schwab.com to buy/sell stocks/ETF's/closed end funds/options. Schwab has a very user friendly app/website and their customer service is excellent. I can easily get to speak to a human being whenever I have questions. 

Send us Fan MailSeason 2, Episode #112, Not Me, But You! Podcast. Connect with me/follow me on X playform at: Waypa Today. If you are interested in 1:1 coaching or small group coaching, then email me at: [email protected]. I offer a FREE 15 to 20 minute call to see if it makes sense for us to work together. This episode was triggered by a listener question: We discuss fiat currency, the gold standard, what backs US dollars, money printing, inflation, what causes your costs for groceries/gas to rise etc, why and how we benefit by saving our money in Bitcoin, small business owners and how they operate, we all need cash flow to pay our bills, the "buy/borrown/die" strategy, why we need to earn at least 14% on our money, why investing in SCHD/JEPI/VOO so NOT earn us 14% a year!, the Invest Answers YouTube channel,  Roth IRA's, Traditional IRA's, how Roth conversions work, what are RMD's relative to IRA's, why I don't fear reverse splits in ETF's, using the options wheel strategy to sell simple option contracts to make immediate cash flow, QQQI, SPYI, CLM, the CLM annual rights offering and how to benefit from it, I Trust Capital dot com Roth IRA and Bitcoin, and Blackrock. I alter my cascading waterfall strategy AFTER an ETF does a reverse split. But I always do "something else" with at least HALF of my dividend money so that I minimize and manage risk. I NEVER put ALL of the dividend money back INTO a high yield/HIGH RISK ETF. I'm always doing "something else" LESS risky with at least 1/2 of the dividend money. Wishing you a very Merry Christmas and best wishes for this holiday season. Thank you to my awesome listeners. Keep emailing me and keep asking questions on X. Asking quesitons is how we all learn and win together. Have courage today, to pick one thing, and work on your dreams. We will talk again soon. #Bitcoin, #RMD's, #QQQI, #SPYI, #CLM, #SCHD, #JEPI, #CLM, #ROTH IRA, #TRADITIONAL IRA, #Cashflow, #ETF's, #Dividends, #wealth, #Inflation, #Money Printing, #buy, #borrow, #die, I'm not a financial advisor. This podcast is for education/entertainment purposes only. You will need to do your own research and accept responsibility for the results of any money you choose to invest. I love using Schwab.com to buy/sell stocks/ETF's/closed end funds/options. Schwab has a very user friendly app/website and their customer service is excellent. I can easily get to speak to a human being whenever I have questions. 

Send us Fan MailSeason 2, Episode #111 Not Me, But You! Podcast. Connect with me/follow me on X platform at: Waypa Today. I offer 1:1 and small group coaching. Email me at: [email protected] for a FREE 15 to 20 min call to see if it makes sense for us to work together. If we don't panic sell and if we are patient, the markets will usually reward us. Also, good habits like eating a healthy diet and getting enough consistent exercise will reward us over time. Getting proper rest is also equally important. Even God rested on the 7th day(That's what I believe). You are free to choose what you believe. In the same way, with our investments, being consistent, even when markets are down, can reward us over time. ULTY even though it did a reverse split, things didn't change much. If you panic sold, then you very likely took a big loss. I did not sell even ONE share of ULTY. I waited for the reverse split and I monitored the dividend payout. Why? Because my investment goal with ULTY is ONLY to get dividends. It is still paying me a weekly dividend. So I'm good! I own ULTY INSIDE of each of the THREE types of accounts we speak about...1)Regular brokerage account, 2) Traditional IRA account, 3)ROTH IRA account.  I take 1/2 of my dividend money from HIGH yiled/HIGH RISK ETF's like ULTY, and I put that 1/2 into something LESS risky. Why invest in something like ULTY to begin with? Answer: Because the yield is so HIGH. Yield at the time of this recording in December 2025 is 136%!! Where else can you invest money in life and get a return like that? And the ULTY fund invests in stocks like Google, Amazone, Palantir etc. Those are good single stocks to own separately. A little knowledge, meaning INCOMPLETE knowledge can by dangersous to us as investors. Resist the urge to panic sell. Do NOT base your investment decisions based on EMOTION alone. My #1 goal as an investor is NOT to invest for growth, it's to invest BUILD cash flow. Have courage today, to pick one thing, and work on your dreams. We will talk again soon. #ETF's,  #Tesla, #MSTR, #Dividends, #ULTY, #MSTY, #CLM, #SPYI, #QQQI, #Stocks, #Bitcoin, I'm not a financial advisor. This podcast is for education/entertainment purposes only. You will need to do your own research and accept responsibility for the results of any money you choose to invest. I love using Schwab.com to buy/sell stocks/ETF's/closed end funds/options. Schwab has a very user friendly app/website and their customer service is excellent. I can easily get to speak to a human being whenever I have questions. 

Send us Fan MailSeason 2, Episode #110 Not Me, But You! Podcast. Connect with me/follow me on X at: Waypa Today. Email me at: [email protected]. I offer a FREE 15 to 20 minute call to see if working with me makes sense for us. I offer 1:1 coaching or small group coaching. Mark Tilbury: Posted a great sentiment on X. It's not your fault that your'e not rich yet!...We review his post and by the way, Mark Tilbury is a millionaire! He talks about how important our mindset is. You don't have to be perfect BEFORE you get started. But you do need start today! The longest journey, begins with a single step. So get to steppin! Have courage today, to pick one thing, and work on your dreams. #wealth, #investing, #so you want to be rich, #Bitcoin, #Freedom, #ETF, # dividends. I'm not a financial advisor. This podcast is for education/entertainment purposes only. You will need to do your own research and accept responsibility for the results of any money you choose to invest. I love using Schwab.com to buy/sell stocks/ETF's/closed end funds/options. Schwab has a very user friendly app/website and their customer service is excellent. I can easily get to speak to a human being whenever I have questions. 

Send us Fan MailSeason 2, Episode #109, Not Me, But You! Podcast. Follow me/connect with me on X at: Waypa Today. Email me at: [email protected]. If interested in 1:1 Coaching, email me to  set up a Free 15 to 20 minute call, to see if working together makes sense. I continue to hold shares of ETF's like ULTY and MSTY. I am not concerned that they underwent reverse splits. They are still paying a comparable dividend. I'm invested in those ETF's for one reason..cashflow. That's all I care about. I do NOT care about share price erosion. ULTY and MSTY also pay far HIGHER dividend yields than things like SCHD, JEPI, and VOO. If all you want to earn on your money is 3% to 4% then go invest in SCHD etc. I avoid them because I'm convinced there are better places I put my money to work for me. But do your own research and make your own decisions and accept responsiblity for what you choose to do with your money. I hope you take time this Christmas season. I don't know which "holy-day" or holiday you celeberate. But I wish you health, wealth and happiness in 2026. I always like to spend time at this time of year, with people who are important to me and celebrate what I've accomplished in 2025 and look forward to 2026. I believe 2026 will another exciting and awesome year for you and for the markets. I continue to "save" my money in Bitcoin. I consider Bitcoin to be UN-like any other cryptocurrency. It's in a UNIVERSE by itself. I also continue to build positions in Tesla stock and MSTR stock. I believe both of those stocks can reach a share price of $2,000 per share in the next 7 years! Theyt do NOT pay cash flow but they are a nice long term hold for growth. Have courage today, to pick one thing, and work on your dreams. We will talk again soon! #ULTY,  #Bitcoin, #BTC, #Dividends, #Investing, #Wealth, #CashFlow, #MSTY, #ETF, #SCHD, #MSTR, #Tesla, I'm not a financial advisor. This podcast is for education/entertainment purposes only. You will need to do your own research and accept responsibility for the results of any money you choose to invest. I love using Schwab.com to buy/sell stocks/ETF's/closed end funds/options. Schwab has a very user friendly app/website and their customer service is excellent. I can easily get to speak to a human being whenever I have questions. 

Send us Fan MailSeason 2, Episode #108 Not Me, But You! Podcast. Connect with me/Follow me on X at: Waypa Today. Email me at [email protected] to discuss 1:1 coaching. Free 15 to 20 call to see if working together makes sense for everyone involved. If you want to be wealthy, you need to buy/hold assets that pay you cash flow. As Warren Buffett has said, if you don't find ways to make money while you sleep, then you are destined to work until the day you die. If you can push buttons on your phone, and if you can "pick the bigger number" in terms of yield, ROI etc, then you can handle investing. But of course, you also have to be willing to experience some failure and you have to do your own research and accept responsibility for the results for the money that you invest. We discuss several examples where I detail "realize what you are also saying "yes" to." The most important question to answer, BEFORE, you invest is, "What is my investment goal?" I provide a detailed example of ETF TSYY. Too many people you see on YT are recommending SCHD, VOO, JEPI but the yields from these investments are a underwhelming 1% to 3%. Do you think it's possible to become wealthy investing in things that pay such low ROI? While you are building your wealth, don't forget to take time to exercise and eat a healthy diet.  You want to remain healthy and be healthy enough to enjoy your wealth, once you achieve that goal. I encourage you to write your goals down on a piece of paper and look at and re-read that piece of paper often. Have courage today, to pick one thing, and work on your dreams! We will talk again soon. #TSYY, #ETF, #Wealth, #investing, #dividend, #Bitcoin, #SCHD, #VOO, #JEPI, #debtI'm not a financial advisor. This podcast is for education/entertainment purposes only. You will need to do your own research and accept responsibility for the results of any money you choose to invest. I love using Schwab.com to buy/sell stocks/ETF's/closed end funds/options. Schwab has a very user friendly app/website and their customer service is excellent. I can easily get to speak to a human being whenever I have questions. 

Send us Fan MailSeason 2, Episode #107, Not Me, But You! Podcast. Connect with me/Follow me on X at: Waypa Today. Email me at [email protected] if you want a FREE 15 to 20 minute call to see if it makes sense for us to work together. I offer 1:1 Coaching OR Small Group Coaching (up to 3 people). Our entire lives revolve around Cash Flow!! We need to BUY/HOLD ASSETS that pay us weekly/monthly cash flow. Use the "Cascading Waterfall Approach" that I teach, to invest. By doing this, we keep LOWERING our risk! Regarding ETF's, let the reverse splits happen! Wait until you're on the other side of the reverse split. Look for a similar RATIO. If your ETF did a reverse split of 5 to 1, you now have a lot less shares. To use real numbers if you started with 100 shares BEFORE the reverse split...then after the reverse split you have only 20 shares! But check to see if the DIVIDEND also 5X!!  If it did, its the same MONEY! Here is a real life example. If you had 100 shares paying you 5 cents per share BEFORE the reverse split...then AFTER the reverse split when you only have 20 shares...is the dividend paying you 25 Cents per share????? IF IT is,,,let's do some SIMPLE math.  100 times .05/share = is a $5 dividend. What is 20(shares) times .25/share??... Answer: $5!! See it's THE SAME MONEY! So who cares about the PRICE PER SHARE or the fact that the ETF reverse split??? Always know WHAT is your investment goal, BEFORE you invest any money. IF your goal is CASH FLOW, then we don't care if the price/share goes UP or DOWN! I use an example where I discuss BITO. The yield is over 73%! And it pays a MONTHLY dividend. I also explain how to calculate ROI on any investment. We compare SCHD or VOO to the high yield/high risk ETF's that I discuss and own. I'm not a financial advisor. This podcast is for education/entertainment purposes only. You will need to do your own research and accept responsibility for the results of any money you choose to invest. I love using Schwab.com to buy/sell stocks/ETF's/closed end funds/options. Schwab has a very user friendly app/website and their customer service is excellent. I can easily get to speak to a human being whenever I have questions. 

Send us Fan MailSeason 2, Episode #106, Not Me, But You! Podcast. Connect with me/follow me on X at: Waypa Today. Email me at [email protected]. My coaching is 1:1 OR 1 to 2 or 3 (small group). Email me to book a FREE 15 to 20 minute call so we can find out if it makes sense for us to work together.  I use what I have named, "the cascading waterfall approach" to investing. Each tier that I drop money down into, carries LESS and LESS risk! Some "loses" are ONLY paper loses, unless we are foolish enough to sell positions when we KNOW we are going to lose money! Fiat currency is a country's currency that is backed by NOTHING physical. If you have money just sitting in a back account, it's melting away. WHAT exactly is "melting?" Answer: YOUR PURCHASING power! If we invest our money into Bitcoin we do NOT have any "melting away" of our purchasing power. What we do see if price FLUCTUATION within a 4 year cycle. And Bitcoin reaches a new all time high price EVERY 4 years. And Bitcoin has a FIXED supply! Write your ideas and goals down on a piece of PAPER. It's old school but it's also POWERFUL. Then view/look at the piece of paper every day! The KEY to wealth is your mindset!! Remember that if you are an options SELLER, there is someone else on the OPPOSITE side of that trade. So that means if you are SELLING a put, someone else is BUYING (purchasing) a CALL. Have courage today, to pick one thing, and work on your dreams. We will talk again soon! #Delta, #Options, #Investing, #Wealth, #Stocks, #ETF's, #Bitcoin, #MSTR, #Tesla, #PUTS, #CALLS, #Options Wheel, I'm not a financial advisor. This podcast is for education/entertainment purposes only. You will need to do your own research and accept responsibility for the results of any money you choose to invest. I love using Schwab.com to buy/sell stocks/ETF's/closed end funds/options. Schwab has a very user friendly app/website and their customer service is excellent. I can easily get to speak to a human being whenever I have questions. 

Send us Fan MailSeason 2, Episode #105. Not Me, But You! Podcast. Are you being scared into selling your Bitcoin? The Federal Reserve injected 13.5 Billion dollars into the market. We were lacking liquidity. Connect with me/follow me on X at: Waypa Today. Email me at [email protected] to set up a Free 15 to 20 minute call to discuss 1:1 private coaching with me. The Crypto market is UNregulated. So that may be one reason why we have wild swings in prices. But once Crypto gets regulation, it should help stabilize prices in the future. If you have a good understanding of inflation and how it erodes your purchasing power of ANY fiat currency, then you will appreciate the idea of "saving your money" IN Bitcoin! What is uique about Bitcoin? No one can PRINT more of it! There is a fixed supply. So NO INFLATION ersoion of value! If you aren't wealthy yet, then ask yourself what you are willing to do to accomplish this goal? Then go make it happen as quickly or slowly as you choose. There is no speed limit on the highway of success! YOU pick the speed on that highway! Are you willing to put in the time? Are you willing to work 80 hour weeks temporarily until you reach your ultimate goal? Regarding the Yieldmax REVERSE splits on their ETF's...I did NOT sell any shares. I let the reverse splits happen. Then simply kept COLLECTING dividends! Regarading Bitcoin being at lower price than expected and the crypto market NOT having an Alt Season yet...I believe crypto will hit new all time highs in 2026. Did I think it was going to happen in Q4 of 2025? Yes I did. But since it hasn't happened, I now know that this 4 year Bitcoin cycle, is different from any previous one! Be patient and see where the market goes! We will start season 3 of this podcast in January 2026. Most of all, have courage today, to pick one thing, and work on your dreams! I'm not a financial advisor. This podcast is for education/entertainment purposes only. You will need to do your own research and accept responsibility for the results of any money you choose to invest. I love using Schwab.com to buy/sell stocks/ETF's/closed end funds/options. Schwab has a very user friendly app/website and their customer service is excellent. I can easily get to speak to a human being whenever I have questions. 

Send us Fan MailSeason 2 Episode #104, Not Me, But You! Podcast. Connect with me/follow me on X at: Waypa Today. If you are interested in 1:1 coaching with me, email me at [email protected]. We can get on a FREE 15 to 20 minute call to discuss how I can possibly help you. My 1:1 coaching is just you and me. You won't be added to a private Facebook group with 99 other people where you have "weekly calls" where you compete with all of these other people for my attention! This is often how many alleged "gurus" run their "coaching programs!" Maybe you just need consistent encouragement? Grant Cardone is often accused of "always selling something." Yet he admits to this and further asks a question: "You know who else is always selling something?" Answer: Apple, Google, Meta, any other company who is in business. Schools often teach us how to work for someone else or have a career etc. But schools do NOT teach what I talk about! I spent over a decade in the education field! So I know that schools do NOT teach people how to invest/become wealthy by simply pushing buttons on their phone! We will be winding down Season 2 of this podcast at the end of December. In January of 2026 we will start Season 3 of the podcast! What is the average monthly Social Security check? It's less than $1,400 per MONTH! Can you live on that alone? This monthly amount is what the average American can expect to get if they retire at age 62! Retiring at age 62 is considered "retiring early" by the Social Security Administration. But if you wait until age 67 (full retirment age) then your monthly check amount will be more. Check out "The Wolf Of All Streets" YouTube channel where Gary Cardone is interviewed (Gary Cardone is Grant Cardone's brother). Gary does an excellent job speaking about and describing WHY continuing to buy Bitcoin is a great idea! QE from the Federal Reserve is coming! That should be good for financial markets. What is bad about it is....it will cause higher costs (higher inflation). But the markets have NO liquidity, so it's likely necessary. Have courage today, to pick one thing, and work on your dreams! #dividends,  #cashflow,  #WolfOfAllStreets,  #GaryCardone, #SocialSecurity, #Retire, #Wealth, #Investing, #X, #WaypaToday, #coaching, #IRA, #Stocks, #ETF, #Options, #Bitcoin,I'm not a financial advisor. This podcast is for education/entertainment purposes only. You will need to do your own research and accept responsibility for the results of any money you choose to invest. I love using Schwab.com to buy/sell stocks/ETF's/closed end funds/options. Schwab has a very user friendly app/website and their customer service is excellent. I can easily get to speak to a human being whenever I have questions. 

Send us Fan MailSeason 2, Episode #103 Not Me, But You! Podcast. Connect with me/follow me on X at: Waypa Today. If you want to have a FREE 20 minute call with me to discuss 1:1 coaching. opportunities, email me at [email protected] Happy Thanksgiving. I hope you had a chance to pause and spend time with whoever is important with you. I reflect, this time each year, on the year that is about to end, what I have accomplished, and plan for upcoming 2026. I also spend time with my family and take a break from my usual routines and stress. I hope that you did the same. Also in this episode, I announce that I'm offering for the first time, 1:1 coaching with me. Unlike many people online who have ZERO teaching background, I used to work in the Education field for over a decade. And my coaching/teaching is actually just you and me. If you choose to join a typical "coach" who you discover on YouTube, you will find that the person is often a marketer who adds you to a group of 100 people or more and that is your "coaching experience" with them! I don't believe in that. There is no better educational ratio than 1-on-1. But that costs money. Jump on a call with me to discuss what you want to learn and how much it would cost. The price might surprise you in a good way! Have courage today, to pick one thing, and work on your dreams! #Bitcoin,  #cashflow, #stocks, #investments, #ETF's, #dividends, #coaching I'm not a financial advisor. This podcast is for education/entertainment purposes only. You will need to do your own research and accept responsibility for the results of any money you choose to invest. I love using Schwab.com to buy/sell stocks/ETF's/closed end funds/options. Schwab has a very user friendly app/website and their customer service is excellent. I can easily get to speak to a human being whenever I have questions. 

Send us Fan MailSeason 2, Episode #102. Not Me, But You! Podcast. You can connect/follow me on X at: Waypa Today. If you are interested in a free 20 minute call to discuss 1:1 coaching, email me at [email protected] Yes, many Yieldmax funds are doing reverse splits in early December 2025. But that doesn't mean you have to panic sell all shares at a loss. Are the funds still paying dividends? And what are you doing with 1/2 of the dividend money? Are you putting 1/2 of dividend money into LESS risky things? Are you buying Bitcoin with the dividend money? Are you paying down debt? Income producing ETF's that have extremely high yields but also carry HIGH risk, are only used for one purpose: like mini ATM machines inside of your accounts. They will NOT peform like Apple stock because they are NOT designed to do this. We discsus LESS risky investments to put your money into that do NOT have share price erosion! Sometimes, in investing, just being patient pays off! We discuss 12 ETF's: ULTY, MSTY, YBIT, YBTC, YETH, YMAG, YMAX, SMCY, PLTY, OARK, ICOI,  CONY. But these ETF's are paying you 100% to 200%  in yields!! Sell simple option contracts. Take 1/2 of the premium and invest it into high yield/high risk ETF's. Take the dividend money from the ETF's and put 1/2 of it into something LESS risky. This is the "cascading waterfall" approach to investing/accumulating wealth. Always keep in mind, your investments need to OUTPACE the TRUE rate of inflation! Have courage today, to pick one thing, and work on your dreams! #tarrifs. #trade talks.  #cash flow,  #dividends,   #stocks, #ETSF's , #Fed Reserve, #share price erosion, #Bitcoin, #ULTY, #MSTY, #YBIT, #SMCY, #PLTY, #OARK, #ICOI, #CONYI'm not a financial advisor. This podcast is for education/entertainment purposes only. You will need to do your own research and accept responsibility for the results of any money you choose to invest. I love using Schwab.com to buy/sell stocks/ETF's/closed end funds/options. Schwab has a very user friendly app/website and their customer service is excellent. I can easily get to speak to a human being whenever I have questions. 

Send us Fan MailSeason 2 Episode #101. Not Me, But You! Podcast. If you want to follow me/connect with me, you can on X at: Waypa Today I'm riding ULTY all the way down to zero, if necessary! This is what makes investing difficult. It's emotional and mental. Investing is warfare with yourself! If it was super easy, then everyone would do it and become a multi-millionaire. I use the "cascading waterfall" approach to investing. IF the ULTY fund goes bankrupt, then I simply go find the next ULTY and start the process over again. But make sure that you take 1/2 of your dividends from ULTY and place them in something LESS risky (with no share price erosion).  If you are making at least 14% on your money, then you are truly getting ahead with your investment portfolio. Follow Jim Ferguson on X. I highlight a great re-post from him that Elon Musk originally wrote! If you want to learn more about a 1:1 coaching call with me, then email me at: [email protected]. Or you can send me a message on X at Waypa Today. We can do a FREE 20 minute call to start. Have courage today, to pick one thing, and work on your dreams! #ULTY, #cash flow, #stocks, #high yield, #MSTY, #Dividends, #BitcoinI'm not a financial advisor. This podcast is for education/entertainment purposes only. You will need to do your own research and accept responsibility for the results of any money you choose to invest. I love using Schwab.com to buy/sell stocks/ETF's/closed end funds/options. Schwab has a very user friendly app/website and their customer service is excellent. I can easily get to speak to a human being whenever I have questions. 

Send us Fan MailSeason 2 Episode #100. Not Me, But You! Podcast. You can  follow me/connect with me on X at: Waypa Today. "Your time is your most valuable asset. More valuable than your money, your assets, your retirment account, your home, your business." Wrap your brain around this concept: Your entire life revolves around cash flow! 3 types of personal accounts needed: 1) regular brokerage account. 2) Traditional IRA account. 3) Roth IRA account. You select the brokerage platform you want to use. Push buttons on your phone and make money! It's simple but not easy, unless you know how to do it (as with anything in life).  Start with learning to sell simple options contracts (cash secured puts or covered calls). Then take the "premium" earned (also cash flow) and use HALF of it to buy high yield ETF's. Then take the dividends from the high yield ETF's and use HALF to put back into FREE shares of the thing that paid you the dividend (this lowers your overal cost basis). Also take HALF of the dividend money and invest it in something else (that is LESS risky). You can do this process in ALL THREE of your accounts. Two of those accounts (traditional IRA and Roth IRA) will NOT be taxable. So NO TAX on the gains inside of those two accounts. The only time you pay ANY tax is when you withdraw money from the Traditional IRA. Or if you attempt to withdraw "early" from your Roth IRA(before age 59 1/2 and/or if you have not had the account open for at least 5 years). Would you like to get off of "the hamster wheel" where you work for someone else for 40 years and PERHAPS you can then afford to retire? Start with this premise: "Most of what I think I know about money is likely wrong!" Verify your beliefs. Challenge them and test them. Only 19% of Americans retire with a monthly pension check! So we need to learn how to BUILD our OWN "pension checks" so that we have cash flow each week/month. You can use the Robinhood platform to buy "fractional shares" of great growth stocks like: Tesla and MSTR or ANY of the "Mag 7" stocks. This feature makes it more affordable for most people! Buy fractional shares of these stocks INSIDE EACH of your three accounts! And Robinhood will give you a 3% match (if you join their gold status program) inside your Traditional IRA and your ROTH IRA. I'm not a financial advisor. This podcast is for education/entertainment purposes only. You will need to do your own research and accept responsibility for the results of any money you choose to invest. I love using Schwab.com to buy/sell stocks/ETF's/closed end funds/options. Schwab has a very user friendly app/website and their customer service is excellent. I can easily get to speak to a human being whenever I have questions. 

Send us Fan MailSeason 2, Episode #99 Not Me, But You! Podcast. You can follow me/connect with me on X at: Waypa Today. If you want to buy fractional shares of Tesla stock or MSTY stock, you can easily do that at Robinhood. The three types of accounts we all need are: 1) Regular brokerage account 2) traditional IRA account 3) Roth IRA account. The USA government shutdown looks like it will finally end which is a good thing for investors. Poor people are focussed on buying things and wealthy people are focussed on buying/holding assets. We talk about 13 ETF's in this episode that will pay you weekly dividends. What do you do with the dividend income? We discuss that. Where do you get the money to invest in these 13 high yield/high risk ETF's? You can press buttons on your phone and sell simple options contract for immediate cash flow. Take 1/2 of the option cash flow and buy shares of these ETF's. This means you did NOT take money from your paycheck or your bank account to invest in these ETF's which also pay you dividends! We use a "cascanding waterfall" approach to become wealthy and ready for retirement! To pay your car loans off sooner: make extra "Principal Only" payments even if it's only an extra $40 twice a month! That strategy will drop your balance significantly very quickly if you do this consistently ever month! Accumualte 12 shares of Tesla stock. Then get to 25 shares. Next get to 50 to 100 shares of Tesla stock! Have courage today, to pick one thing, and work on your dreams. We will talk again soon. #Ethereum, #Bitcoin, #Dividends, #Retirement, #Cash Flow, #Stocks, #Extra income, #Tesla, #MSTR, #Inflation I'm not a financial advisor. This podcast is for education/entertainment purposes only. You will need to do your own research and accept responsibility for the results of any money you choose to invest. I love using Schwab.com to buy/sell stocks/ETF's/closed end funds/options. Schwab has a very user friendly app/website and their customer service is excellent. I can easily get to speak to a human being whenever I have questions. 

Send us Fan MailSeason 2, Episode #98. Not Me, But You! Podcast. Follow me/connect with me on X platform at: Waypa Today What is happening in the Macro Economic world that is affecting both the stock market and Bitcoin/Crypto markets? The 2025 four year Bitcoin cycle is vastly different from previous 4 year Bitcoin cycles. We talk about how to balance your risk/reward with your happiness level in life. Do NOT be afraid to leave a bad relationship. It doesn't matter if it's a bad personal relationship or if it's a bad "business relationship."  The best gift you can give yourself is to walk away from any job where you know it's not a good fit for you. Go find a new opportunity. You deserve to happy in life while you build wealth. But it takes courage to make changes. It's OK to feel nervous and anxious. But do it anyway! Having cash flow is the key to surviving "down time" while you look for a new opportunity. The best leaders I ever worked for were "servant leaders" NOT dictators! #stocks #crypto #Bitcoin #Changing Jobs #Achieving Goals #Investing #Options #Lifetime goals #Dreams #Retirement #Cash flow #Networking I'm not a financial advisor. This podcast is for education/entertainment purposes only. You will need to do your own research and accept responsibility for the results of any money you choose to invest. I love using Schwab.com to buy/sell stocks/ETF's/closed end funds/options. Schwab has a very user friendly app/website and their customer service is excellent. I can easily get to speak to a human being whenever I have questions. 

Send us Fan MailSeason 2, Episode #97 Not Me But You! Podcast. Connect/follow me on X at: Waypa Today. Poor people are focussed on buying things. Wealthy people buy/hold assets. Some of those assets pay them dividends (cash flow).  Do you understand the TRUE rate of inflation and how the purchasing power of your money "melts" away over time. So that is why it's crucially important to earn at least 14% per year on your money (your investments). We use a ROTATION method when are dividends are paid to us. We take 1/2/ of the dividend money and buy FREE shares of the asset that paid us the dividend. We take the other 1/2 and put it into LESS risky investments and/or use it to pay down debt. Too often we invest with emotion that can prevent us from making good decisions. Tesla may be ONE of the best GROWTH stocks to invest in today, with a 5 to 6 year time frame. Some people estimate that ONE share of Tesla will be $9,000 to $12,000 per share just 6 years from now! I'm not a financial advisor. This podcast is for education/entertainment purposes only. You will need to do your own research and accept responsibility for the results of any money you choose to invest. I love using Schwab.com to buy/sell stocks/ETF's/closed end funds/options. Schwab has a very user friendly app/website and their customer service is excellent. I can easily get to speak to a human being whenever I have questions.