First and Future

Liam just bought a car with straight cash — no loan, no monthly payment. In Episode 8, we break down why that decision was about CASH FLOW, not fear of debt, and how the same thinking applies to your mortgage, your escrow account, and your entire money system. We get into: 🚗 Cash vs. financing a car — the real opportunity cost math (9% loan vs. 11% market returns) 🏠 Escrow explained — why you mi...

What actually creates long-term wealth? In Episode 7 of First & Future , Darryl Dibbs and Liam dive into the money habits that separate people who build wealth from those constantly chasing the next big win. From taking profits in the stock market to investing in real estate, Bitcoin, the S&P 500, and building a personal money system, this episode is packed with practical financial convers...

In this episode of First & Future Finance, Dibbs and Liam break down the concept of leverage and why building wealth is about much more than simply making more money. From using debt strategically and investing excess cash to understanding social capital, attention as currency, and the relationship between money and influence, they explore how assets, businesses, and even reputation can compou...

  #PersonalFinance #WealthBuilding #LifestyleInflation Can you really make $180,000 a year and still be broke? In this episode of First & Future Finance, Dibbs and Liam discuss why higher income doesn't automatically create wealth. From lottery winners and lifestyle inflation to debt, car payments, wealth preservation, and the psychology of money, they break down what actually happens whe...

Is $75,000 really enough to live on in 2026? In this episode of First & Future, Dibbs & Liam dive into the changing definition of middle class, the upcoming SpaceX IPO, options trading, stock market psychology, and why real estate may still be the best path to building wealth. We also discuss how ordinary people can use ownership, investing, and uncomfortable sacrifices to create financial...

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If you're making good money and still feel broke — this episode is for you. Dibbs and Liam break down why $75,000 a year barely covers survival in 2026, how the pandemic permanently changed what your dollar is worth, and why the financial rules your parents taught you no longer apply. We do the math live. Mortgage, groceries, gas, insurance, utilities — and what's actually left at the en...

Welcome to First & Future Finance. Real conversations about ownership, income, assets, leverage, and what it actually takes to build wealth today. Hosted by Dibbs, a mortgage and real estate professional with over a decade of experience in housing and finance, alongside Liam, a finance graduate and licensed loan officer with a modern investing perspective shaped by markets, crypto, and the nex...