Last Paycheck

Watch on YouTube: https://youtu.be/kjbdjp72Uoc   Is it getting too easy to spend money? In this episode of the Last Paycheck Podcast, CFP Professionals Archie Hoxton and Jimmy Sutch discuss how digital payments, credit card rewards, one-click shopping, and targeted advertising make it easier than ever to overspend—even when you know better. They explore why credit cards can encourage spending beyo...

Watch on YouTube: https://youtu.be/H8hh_FReM_c   Should you aim to become a millionaire? In this episode of the Last Paycheck Podcast, CFP Professionals Rob Hoxton and Archie Hoxton explore what having $1 million actually means, how much retirement income it can generate, and why reaching that milestone doesn't necessarily mean you're financially ready to retire. Rob and Archie discuss how to buil...

Watch on YouTube: https://youtu.be/OSNJ1MJ0iwo   What are the biggest financial mistakes that could haunt you for years? In this Halloween episode of the Last Paycheck Podcast, CFP Professionals Rob Hoxton and Archie Hoxton reveal six spooky financial mistakes that can put your financial future at risk, from high-interest debt and missing estate plans to tax inefficiencies and inadequate emergency...

Watch on YouTube: https://youtu.be/v8eX8CjU3rc   Should you be checking your investment portfolio every day? In this episode of the Last Paycheck Podcast, CFP Professionals Rob Hoxton and Archie Hoxton explore anchoring bias and how focusing too much on your latest portfolio value can affect your financial decisions. Drawing on real-world examples, Rob and Archie explain why short-term market fluc...

Watch on YouTube: https://youtu.be/gl1R8dVrgfU   Are you truly ready for retirement? In this episode of the Last Paycheck Podcast, CFP Professionals Rob Hoxton and Archie Hoxton explore five green flags that signal you're on the right track for a successful retirement. Building on their discussion of retirement red flags, Rob and Archie share practical ways to prepare for life after work, from tes...

Watch on YouTube: https://youtu.be/Hpco6XgXDmo   Are you financially ready for retirement? Feeling ready to retire, or having a million dollars saved, doesn't necessarily mean your retirement plan is ready. CFP Professionals Rob Hoxton and Archie Hoxton break down five red flags that can signal you're not prepared to retire, including relying on everything going according to plan, retiring without...

Watch on YouTube: https://youtu.be/w_XOwHWcLno   How much does it really cost to own a pet, and how should those expenses fit into your financial plan? CFP Professionals Rob Hoxton and Archie Hoxton explore the true cost of pet ownership, from food and grooming to routine veterinary care and unexpected medical expenses. They discuss how pet owners can budget for both predictable and surprise costs...

Watch on YouTube: https://youtu.be/W-Lc4SkhwuY   What are Trump Accounts, and how could they help give your child a major financial head start? In this episode of the Last Paycheck Podcast, CFP Professionals Rob Hoxton and Archie Hoxton break down the brand-new 530 Trump Accounts for children, including the $1,000 federal bonus available for eligible children born between 2025 and 2028. Rob and Ar...

Watch on YouTube: https://youtu.be/Ry3AXqpSCKA   Are high-yield savings accounts over hyped, and how much cash should you actually keep? CFP Professionals Archie Hoxton and Jimmy Stuch explain how high-yield savings accounts work, why they've become so popular, and whether chasing the highest interest rate is really the best cash strategy. They discuss how much you should keep in an emergency fund...

Watch on YouTube: https://youtu.be/Mnbagq1dHFg   CFP Professionals Rob Hoxton and Archie Hoxton explore what heirs need to know when inheriting an IRA, including how recent changes from the SECURE Act have changed the rules. They break down the 10-year withdrawal rule for inherited IRAs and Roth IRAs and explain how those rules can impact the taxes beneficiaries ultimately pay. Rob and Archie also...

Watch on YouTube: https://youtu.be/3WCXtTsq4Hg   Can you save too much in a traditional 401K? CFP Professionals Rob Hoxton and Jimmy Sutch explore why putting more money into a traditional 401K isn't always the best retirement strategy. They break down the different tax buckets available to investors and explain why relying too heavily on pre-tax savings can create challenges later in life. Jimmy...

Watch on YouTube: https://youtu.be/JdBroq810Hs   What are the biggest mistakes standing between you and financial independence? CFP Professionals Archie Hoxton and Rob Hoxton explore five common mistakes that can derail your progress toward financial independence, from taking on consumer debt to falling behind on retirement savings. They also discuss how lifestyle creep and early withdrawals from...

Watch on YouTube: https://youtu.be/FtV7aafApuQ   How are the markets really doing in 2026, and should investors be worried? CFP Professionals Archie Hoxton and Jimmy Sutch take a mid-year look at the markets and economy, breaking down what's happened so far and what it could mean for investors and retirees. They examine the performance of major indexes like the S&P 500, Nasdaq, and Dow, along with...

Watch on YouTube: https://youtu.be/2kYX-lRwF10 Do you really understand how your taxes work? CFP Professional Archie Hoxton and Client Service Associate Tyler Kittner break down the tax fundamentals everyone should understand, and how knowing the difference between deductions, credits, and different types of retirement accounts can make a meaningful difference in your financial plan. They explain...

Watch on YouTube: https://youtu.be/HC-opzQjVMk   Don't wait until the end of the year to think about taxes! CFP Professionals Rob Hoxton and Archie Hoxton share five important tax planning moves you can make before the end of summer to strengthen your financial plan and avoid costly year-end surprises. They discuss maximizing retirement contributions, planning ahead for required minimum distributi...

Watch on YouTube: https://youtu.be/dE14NYW5uC4   In this episode of the Last Paycheck Podcast, CFP Professionals Rob and Archie Hoxton dive into the crucial topic of cost basis and its impact on your investment strategy.  The conversation covers the fundamentals of cost basis, how it affects taxable brokerage accounts, and why careful management can create both opportunities and challenges for inv...

Watch on YouTube: https://youtu.be/3X91dHUFqfU   Do you have something to retire to? CFP Professionals Archie Hoxton and Rob Hoxton explore why having a purpose in retirement is just as important as having enough money. They discuss how the transition away from a career can affect your happiness, identity, and even your long-term financial security. Archie and Rob explain why retirees without a cl...

Watch on YouTube: https://youtu.be/kTvMBofDURI   Are all annuities really terrible, or do you just need to recognize some red flags before buying one?  CFP Professionals Archie Hoxton and Jimmy Sutch dive into the world of annuities and explain the difference between the bad ones, of which there are plenty, and the good ones, which you can find if you look hard enough. Learn how to recognize the r...

Watch on YouTube: https://youtu.be/sh2TAjNA_oI   Taxes end up being your biggest lifetime expense. CFP Professionals Archie Hoxton and Rob Hoxton explore why smart tax planning is about more than filing a return each year—and how the decisions you make today can have a lasting impact on your retirement. They explain the difference between tax preparation and proactive tax planning, covering strate...

Watch on YouTube: https://youtu.be/nQAA5mnzou4   Are your emotions hurting your investment returns? CFP Professionals Archie Hoxton and and Jimmy Sutch explore why emotional investing is one of the biggest obstacles to long-term financial success. They discuss how fear, greed, and the fear of missing out can tempt investors to chase headlines, react to market swings, and abandon well-designed fina...

Watch on YouTube: https://youtu.be/R1ph16eZ_Q4   Can you actually build wealth without a huge income? CFP Professionals Archie Hoxton and Jimmy Sutch challenge the idea that financial success is reserved for high earners. They explore how consistent saving, smart investing, and avoiding lifestyle inflation can help everyday people build lasting wealth over time. Drawing from real client experience...

Watch on YouTube: https://youtu.be/l0RkR4ExLz8   Is inflation quietly putting your retirement at risk? CFP Professionals Archie Hoxton and Jimmy Sutch explore how inflation affects everyday spending, long-term savings, and the retirement plans many people work decades to build. They explain why even modest inflation can have a significant impact over time—and why ignoring it can be a costly mistak...

Watch on YouTube: https://youtu.be/MzfJdZaXPTY   Could your financial life withstand a scam, data breach, or identity theft attack? CFP Professionals Archie Hoxton and Rob Hoxton explore the growing risks of fraud in an increasingly digital world—and why protecting your personal information has become an essential part of financial planning. They discuss common threats like wire fraud, payroll sca...

Watch this episode on YouTube: https://youtu.be/m9EHfFpun-o What happens if your business becomes your entire retirement plan? CFP Professionals Archie Hoxton and Rob Hoxton explore the unique retirement challenges small business owners face and why relying too heavily on the future sale of a business can create significant financial risk. They discuss the importance of diversification, retirement...

Watch on YouTube: https://youtu.be/J03xhxXaj_s   Do taxes actually get simpler in retirement? CFP Professionals Rob Hoxton and Archie Hoxton explore why tax planning can become even more complicated after you stop working—and the costly mistakes many retirees fail to anticipate. They break down key retirement tax challenges, including IRA withdrawals, required minimum distributions, the Social Sec...