Roy Matlock Jr.'s Money and Business Hour

In the May 9, 2026 episode of The Roy Matlock, Jr. Money and Business Hour, Roy Matlock Jr. explains why financial success requires both a strong defense and a smart offense. He breaks down the importance of budgeting, avoiding bad debt, protecting income with insurance, building emergency savings, investing consistently, using Roth IRA strategies, managing 401(k)s properly, and creating long-term “do nothing money.” Roy also introduces listeners to the opportunity to join his expanding advisor network, learn the financial business from the inside, and help families build stronger financial plans.

In this episode of The Roy Matlock, Jr. Money and Business Hour (May 2, 2026), Roy breaks down the core principles behind building real, lasting wealth. He emphasizes the importance of consistency, smart investing, and avoiding common financial traps that keep people stuck. Listeners walk away with a clearer roadmap for turning income into long-term financial independence.

This episode focuses on helping listeners who haven’t yet reached $100,000 in savings build a clear, practical plan to get started. Roy breaks down the foundational steps to growing income, avoiding financial mistakes, and creating momentum through disciplined saving and smart investing.

If you want financial freedom, you have to stop waiting and start acting. In this episode, Roy breaks down the mindset, habits, and strategy needed to build income, eliminate procrastination, and create a life of true time and money freedom.

Roy’s message is blunt: if you wait to save money “when you have it,” you’ll never have it. This episode is the simple checklist—10% rule, budget, emergency fund, kill bad debt, automate investing, protect your income with term life and disability coverage, then let compounding create “do-nothing money.”

Financial independence isn’t magic—it’s a system. Roy breaks down the step-by-step plan: budget with purpose, build your emergency fund, avoid bad debt, automate investing (start with the 401(k) match), and protect your income with the right coverages. Simple. Repeatable. Powerful.

Big storms create big claim mistakes. This episode shows you how to avoid getting shorted on an insurance claim—especially with roofs, hail, wind, and hidden damage you may not see from the ground. Roy talks with Dory Howarth and Ty Carter about deadlines, claim audits, documentation, and why a “free inspection” can prevent a financial mess later.

Roy explains why “just saving” isn’t enough—you need structure: diversified investments, purpose-driven accounts, and smart tax buckets. This episode covers money market vs bonds vs stocks vs annuities, how to use diversification to manage sequence-of-returns risk, and practical retirement plan strategy including employer matches, Roth vs traditional decisions, and how to get started (and stay consistent) with automated investing.

Roy says it plainly: you become an owner, not a loaner. This episode explains the wealth-accumulation “offense” plan—risk tolerance, diversification, dollar-cost averaging, rebalancing, retirement calculators, Roth vs. pre-tax decisions, and tax-smart moves (including charitable giving strategies). If you want a plan you can automate and follow, start here.

In this February 14, 2026 episode of The Roy Matlock, Jr. Money and Business Hour, Roy shares a step-by-step “defensive” plan for financial stability: set clear goals, automate savings, build a budget that works in real life, and fund an emergency reserve. He also explains how to avoid bad debt and choose the right insurance coverages to protect your income, home, and future.

On a milestone broadcast where Roy notes he’s officially turned 65, he challenges listeners to stop letting time slip by and get serious about the fundamentals: knowing your net worth, creating a real budget, and building a profit margin you can invest. He lays out a simple, “automatic” roadmap—protect your income, eliminate dumb spending, invest consistently, and build a plan that leads to financial independence.

In the first show of 2026, Roy Matlock, Jr. breaks down the disciplines—not motivation—that build wealth: a simple “money GPS,” automation, budgeting, and the “spend it or save it” mindset that turns small choices into big outcomes over time.

On The Roy Matlock, Jr. Money and Business Hour (December 20, 2025), Roy walks through a practical retirement game plan—from getting money on “autopilot” in the accumulation years to building reliable, tax-smart income in retirement. He explains key retirement risks (like sequence-of-returns, longevity, and taxes), why diversification and professional management matter, and how tools like annuities can provide a paycheck foundation you don’t outlive.

On the December 6, 2025 episode of The Roy Matlock, Jr. Money and Business Hour, Roy explains how to turn idle cash into predictable income—without blowing up your risk—by separating true emergency funds from investable cash and plugging that money into an intentional income strategy. He lays out simple, practical steps you can start before year-end so your cash is working for you as you head into 2026.

On the November 22, 2025 episode of The Roy Matlock, Jr. Money and Business Hour, Roy explains how to build a calm, repeatable financial plan even when the market is at all-time highs. He walks through risk buckets, tax buckets, time vs. timing, and dollar-cost averaging so you can stop guessing, stop worrying, and start following a system—especially if you’re within 10 years of retirement.

Want steadier rental cash flow? Roy, Cliff Johnson (PadSplit), and Jake Robinson break down co-living that can out-earn standard rentals—plus deets on the Nov 20 Rocket Town summit. Call 615-843-2999 or visit RoyMatlockJr.com.

Roy maps out a practical path from first dollar saved to lifetime income—using goals, automation, smart diversification, and a rock-solid defense.

9 Moves the Rich Make (Most Don’t)

Roy Matlock Jr. shares how to shift from financial defense to offense by protecting your income, investing consistently, and letting time and compounding do the heavy lifting. He outlines practical ways to automate savings, work with professional managers, and use the right mix of tools — from Roth IRAs to annuities — to create a secure, growing financial future.

Avoiding the most common financial mistakes and building a plan that carries you from accumulation to retirement.

Drawing from over 40 years of experience and thousands of client reviews, he shares how common blind spots — like leaving old 401(k)s unmanaged, paying hidden fees, mismanaging taxes, or failing to diversify — can cost families hundreds of thousands of dollars.

Avoiding the Top 10 Retirement Planning Mistakes can mean the difference between financial freedom and costly setbacks. In this episode of The Roy Matlock, Jr. Money and Business Hour (September 20, 2025), Roy breaks down the most common mistakes that can cost you $50,000 to $500,000 over your lifetime.From procrastination and missing out on employer matches, to being too aggressive or too conservative with your investments, Roy explains how to take control of your money.

This week’s episode tackled the #1 wealth killer: procrastination. Roy Matlock Jr. explained how delaying financial decisions robs people of compounding growth, raises insurance costs, and leaves families financially vulnerable. Instead of waiting, Roy urged listeners to automate savings, implement systems, and create defensive protections. The message was clear: procrastination costs money—implementation builds wealth.

In the August 16, 2025 episode of The Roy Matlock, Jr. Money and Business Hour, Roy dives into the realities of inheritances and the massive wealth transfer taking place as Baby Boomers pass down trillions in assets. He stresses the importance of planning—both for those leaving inheritances and those receiving them. Roy explains how wills, trusts, buy-sell agreements, and careful financial management can prevent disputes, protect assets, and ensure generational wealth is preserved. He also cautions listeners not to depend on inheritances, but instead to build independent financial security through retirement planning, tax-smart investing, and disciplined money management.

In the July 26, 2025 episode of The Roy Matlock, Jr. Money and Business Hour, Roy delivers a foundational guide to building financial success from the ground up—perfect for young adults, newlyweds, new parents, or anyone rebooting their financial life. He outlines a practical, step-by-step roadmap that includes increasing income, budgeting, smart saving, strategic insurance, and avoiding common mistakes that cost hundreds of thousands over a lifetime. With Roy’s personal stories and straightforward approach, this episode provides timeless advice on how to build a secure financial future.

In the July 19, 2025 episode of The Roy Matlock, Jr. Money and Business Hour, Roy breaks down the key financial habits and strategies that separate the wealthy from the average person. Drawing from over four decades of experience, Roy walks listeners through ten foundational money principles, covering savings, investing, debt management, diversification, insurance, estate planning, and more. He also dives into essential business owner strategies, highlighting common pitfalls and proactive planning methods for long-term success. This episode is a comprehensive financial blueprint for anyone serious about building wealth and securing financial independence.

In the July 5, 2025 episode of The Roy Matlock, Jr. Money and Business Hour, Roy delivers a rapid-fire rundown of financial fundamentals aimed at helping listeners take immediate control of their money. Covering the essentials of building a solid defense and a strategic offense, Roy walks through his GPS framework—Goal, Plan, and Schedule—emphasizing the importance of budgeting, emergency funds, eliminating bad debt, and protecting assets through smart insurance planning. This episode offers actionable advice for anyone ready to stop being broke and start building wealth.

The June 14, 2025 episode of The Roy Matlock, Jr. Money and Business Hour is focused on the “getting started” stage of financial planning—particularly for young adults, recent graduates, and anyone with less than $100,000 in savings. Roy provides an energetic and actionable roadmap for those looking to build their financial foundation. From income growth and budgeting to proper insurance coverage and strategic investing, the episode emphasizes starting early, automating finances, and working toward a “do-nothing money” milestone of $100K in investments. 

In this episode of The Roy Matlock, Jr. Money and Business Hour, Roy dives deep into the critical “Retirement Red Zone”—the 5 to 10-year window before retirement when every financial decision carries extra weight. Roy presents a seven-part retirement strategy aimed at helping listeners avoid costly mistakes and create a plan that supports long-term financial independence. Whether you’re nearing retirement or know someone who is, this episode serves as a powerful planning blueprint for turning retirement dreams into reality.

In this episode of The Roy Matlock, Jr. Money and Business Hour, Roy presents “The Ultimate Financial Plan,” walking listeners through the key financial stages of life—from young adulthood through retirement. The show opens with guidance for individuals aged 20–35, highlighting the importance of loving your career to solve income problems, building good money habits early, automating savings, and avoiding bad debt.Roy emphasizes the power of compound interest, budgeting with purpose, and getting to the first $100,000 in savings. He then transitions to the middle years (35–55), advising listeners on maximizing 401(k) contributions, building multiple income streams, considering real estate wisely, and using a bucket strategy for both investments and taxes.The final segment addresses pre-retirees and retirees, focusing on defensive financial planning, estate strategies, guaranteed income sources, and annuity structures. Roy stresses the need to preserve wealth, maintain diversified buckets for growth and security, and ensure long-term care and final expenses are covered.Throughout the episode, Roy shares personal anecdotes, practical math, and actionable advice that listeners can implement at any life stage. The episode ends with an invitation to connect for a free financial check-up.

In this episode of The Roy Matlock, Jr. Money and Business Hour, aired May 17, 2025, Roy dives deep into what he calls the "GPS approach" to personal finance—Goal, Plan, Schedule. He outlines how financial success doesn’t happen by accident, but by implementing a clear and structured roadmap. Roy explains that every effective financial plan begins with understanding your goals, assessing where you are today, and crafting a step-by-step strategy to get where you want to go.The episode covers both sides of the wealth-building equation: defense (protecting your assets and income) and offense (strategically growing your money). Roy stresses the importance of annual reviews, budgeting, proper debt management, and using tax-efficient strategies across multiple income streams. He also explains how small steps—like setting up investment accounts for children—can change a family's financial trajectory for generations.

In the April 26, 2025 episode of The Roy Matlock, Jr. Money and Business Hour, Roy walks listeners through 21 practical strategies to protect their income, assets, and future wealth. He begins by emphasizing the importance of proper insurance, emergency funds, and liability protection, then transitions into debt management, budgeting, and income planning. Roy also explains how to diversify income streams and investments, reduce taxes, and implement estate planning. Designed to help people at all stages of life—from young earners to retirees—this episode is a comprehensive guide to building a financially secure and stress-free life.

In the April 19, 2025 episode of The Roy Matlock, Jr. Money and Business Hour, Roy shares the top ten financial mistakes that can cost individuals between $50,000 and $500,000 over a lifetime. From procrastinating on savings to poor debt decisions and overlooking tax planning, Roy breaks down each pitfall with relatable examples and clear solutions. He then transitions into smart investing strategies, explaining how stocks, bonds, annuities, and money market funds all serve different purposes in a diversified plan. Whether you’re just getting started or nearing retirement, Roy emphasizes the importance of creating financial "buckets" tailored to your goals, risk tolerance, and timeline.

In this episode, Roy Matlock Jr. breaks down how to navigate financial markets during periods of volatility. He focuses on diversification, risk management, and the importance of automating savings. Roy also explains how to structure your portfolio across different asset classes and use fixed income and annuities to create balance—especially for retirees concerned about outliving their money. He provides a roadmap for building a solid financial plan, tailored for both young investors and those nearing retirement.

This episode focused on entrepreneurship, solving the income problem, and leveraging AI in financial services. Roy was joined by three guests: Dr. Josh Wilson(a behavioral finance expert) and startup founders Eden Ovadia and Victoria Toli, a platform using AI to match clients with financial advisors.

In this episode of the Roy Matlock, Jr. Money and Business Hour, Roy focuses on proven investment fundamentals that help individuals navigate market volatility, maximize financial growth, and plan for long-term success. He draws from his decades of experience in investment advising to emphasize staying disciplined, diversifying investments, and optimizing tax strategies.

In this episode of The Roy Matlock Jr Money & Business Hour, Roy walks listeners through a comprehensive financial roadmap, covering strategies from getting started in finance to planning for retirement. 

This episode provided a step-by-step financial roadmap for every stage of life, emphasizing long-term planning, wealth accumulation, and strategic investing.

In this episode, Roy Matlock Jr. discusses the six components of an automated financial independence plan and provides a detailed guide on how to build wealth effectively. The show emphasizes education, financial planning, budgeting, investments, and automation as the keys to financial success. Roy explains the importance of playing both defense (protecting assets) and offense (growing wealth) while integrating tax strategies, investment diversification, and disciplined saving into an overall plan.

This episode highlights strategies for automating financial independence through a four-part plan: assessing your current financial situation, securing proper insurance, maximizing retirement investments, and implementing estate planning. Roy emphasizes the importance of starting early, eliminating bad debt, and leveraging tax-advantaged accounts to build long-term wealth. The show also introduces a Licensed Referral Partner Program for those looking to grow their income. Take action now—no more procrastination!

The January 25, 2025 episode of The Roy Matlock, Jr. Money and Business Hour focused on financial planning fundamentals and strategies to automate financial independence.

In this episode of the Roy Matlock, Jr. Money and Business Hour, Roy Matlock focused on financial planning fundamentals, targeting both newcomers and those looking to refine their financial strategies in the new year.

The January 11, 2025, episode of Roy Matlock Jr.'s Money and Business Hour, titled "Back to the Basics," focused on creating a solid financial foundation. Roy provided detailed guidance on essential topics, emphasizing education, planning, and automation for long-term financial success.

In this December 21, 2024 episode of the Roy Matlock, Jr. Money and Business Hour, Roy focuses on guiding listeners toward achieving financial independence and creating a robust financial "offense."

The January 4, 2025, episode of Roy Matlock Jr.'s Money and Business Hour emphasized starting the new year with a robust financial plan. Roy outlined essential strategies for achieving financial independence, focusing on budgeting, debt reduction, and automating savings and investments.

In this December 14, 2024, episode of The Roy Matlock Jr. Money and Business Hour, Roy focuses on setting up an effective financial strategy as the year ends. The episode highlights key financial principles for individuals at various life stages, including young professionals, mid-career earners, and those nearing retirement.

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

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

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

In this episode of Roy Matlock Jr's Money and Business Hour, Roy focuses on helping listeners create a comprehensive financial plan to achieve "automatic financial independence." He emphasizes the importance of year-end financial reviews, starting with an assessment of one's current financial position, including net worth, assets, liabilities, and budget. Roy discusses concepts such as the "Financial GPS," which includes setting clear goals, creating plans, and automating processes to ensure consistent progress.