Roy Matlock Jr.'s Money and Business Hour

Roy Matlock Jr. walks through a practical checklist for getting your financial house in order, starting with the defense: income, budgeting, emergency savings, insurance, debt, and estate planning. Then he shifts to the offense: automatic investing, retirement accounts, Roth strategies, college savings, tax buckets, and building toward financial independence.

Roy explains that a good review starts with questions, education, and clarity. He covers income, debt, budgeting, retirement plans, insurance, estate planning, tax strategies, and real-life examples of how families, business owners, young professionals, retirees, and widows can benefit from having an advisor help them identify gaps and build a stronger plan.

In this episode of The Roy Matlock, Jr. Money and Business Hour , Roy focuses on what he calls the retirement red zone : the period roughly 10 years before retirement through the early years of retirement. He explains how planning changes once someone moves from accumulating money to withdrawing income, covering Social Security, annuities, investment allocation, long-term care, tax planning, and e...

In the June 13, 2026 episode of The Roy Matlock, Jr. Money and Business Hour , Roy Matlock Jr. explains what he calls the “$500-a-month secret” — the idea that consistent, automated investing can become one of the most powerful paths toward financial independence.

In this episode of The Roy Matlock, Jr. Money and Business Hour , Roy follows up his previous conversation on “The Defense” by shifting into “The Offense” — the side of financial planning focused on growth, wealth building, tax strategy, and long-term family impact.

The “defense” side of a financial plan: protecting your income, assets, health, retirement, and future lifestyle through a complete insurance review. 

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-ter...

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 con...

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 financ...

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 annuitie...

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...

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.