Roy Matlock Jr.'s Money and Business Hour

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 conser...

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—implem...

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 manage...

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 m...

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 a...

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,...

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...

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 r...

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...

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 yo...

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...

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 strate...

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. H...

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) whi...

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...

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."