The Financial Quarterback®: Your Game Plan to Protect Your Money and Retirement for Business and Investing

Saturday July 4, 2026 - Radio Show What should you be reviewing halfway through the year to keep your retirement plan on track? Could artificial intelligence be creating the next dot-com investing bubble? And after spending decades building wealth, is it actually possible to save too much? On this week's episode of The Financial Quarterback radio show, Josh Jalinski tackles some of today's biggest...

Artificial intelligence is changing the world, but does that automatically make AI stocks great investments? In this episode, Josh explores the similarities between today's AI boom and the dot-com era, explaining why transformative technology doesn't always translate into strong investment returns. Learn how to avoid FOMO, why diversification still matters, and how to participate in AI's long-term...

If something unexpected happened tomorrow, would your family know where to find your financial accounts, insurance policies, estate documents, or even how to pay the bills? In this episode, Josh explains why every household needs a family financial playbook: a simple but powerful tool that can help loved ones avoid confusion, reduce stress, and stay organized during life's most difficult moments....

Retiring without a spouse comes with a unique set of financial challenges. In this episode, Josh discusses why single retirees need a different approach to Social Security, taxes, healthcare, housing, and retirement income planning. Whether you're single, divorced, widowed, or planning ahead, learn how to build a strategy designed to help you retire with confidence and independence. Can't get enou...

The headlines may say the economy is strong, but many Americans don't feel financially secure. In this episode, Josh explores why financial pessimism is rising despite low unemployment and resilient markets. He breaks down the growing gap between economic data and everyday reality, the impact of inflation, debt, and uncertainty, and why financial confidence isn't determined by what's happening in...

Most people spend decades focused on building their retirement savings, but far fewer have a plan for how to spend those savings efficiently once retirement begins. In this episode, Josh explains why retirement isn't just about accumulating wealth, it's about creating a sustainable income strategy. He discusses how withdrawal order, taxes, Roth conversions, required minimum distributions, and reti...

Millions of Americans are working longer hours, taking on side hustles, and still feeling financially behind. Why? Josh explores the connection between money, work-life balance, burnout, inflation, and financial organization. He explains why financial stress isn't always an income problem, how a lack of structure can create unnecessary pressure, and why having a coordinated financial plan can help...

Most people spend decades focused on growing their retirement savings, but very few think about how that money will eventually be taxed. In this episode, Josh breaks down the hidden “retirement tax time bomb” that can catch retirees off guard through RMDs, Social Security taxation, Medicare IRMAA surcharges, and rising taxable income later in life. Josh explains why retirement doesn’t automaticall...

Most investors think AI investing starts and ends with tech stocks like Nvidia. But what if the biggest long-term winners are actually in energy, infrastructure, utilities, and data centers? In this episode, Josh breaks down the broader economic impact of artificial intelligence, the dangers of chasing hype, and how smart investors can position themselves for long-term growth while managing risk a...

You’ve worked hard, saved money, and checked the boxes... So why does retirement still feel uncertain? Josh breaks down the hidden gaps in retirement planning, why many Americans nearing retirement still feel financially stressed, and how to build a coordinated plan for income, liquidity, taxes, healthcare, and long-term security. Plus: the shocking retirement savings statistic that reveals just h...

Everyone says “just buy the index”... but what if that strategy is riskier than it looks? In this episode, Josh breaks down how a handful of mega-cap stocks are driving the market and why that could leave investors more exposed than they realize. Learn what true diversification looks like today, and how to avoid hidden risks in your portfolio! Can't get enough of The Financial Quarterback? Click ‘...

Should you stay liquid or lock in today’s rates? It’s one of the biggest questions facing investors right now... and getting it wrong could cost you. In this episode, Josh walks through the pros and cons of cash, high-yield savings accounts, and fixed-rate strategies, including how to think about opportunity cost, declining rates, and smart allocation. Learn how to structure your money with the ri...

Most people assume their money will automatically go to their loved ones, but without a proper estate plan, that’s often not what happens. In this episode, Josh breaks down what actually happens when there’s no plan in place: from delays and legal complications to unintended outcomes that can impact your family for years. More importantly, we walk through how to take control now, avoid costly mist...

Most people have financial goals... but no real plan to reach them. In this episode, Josh breaks down why working harder with your money isn’t enough without structure, and how the “financial junk drawer” mindset keeps people stuck. You’ll learn how to prioritize your goals, build a strong financial foundation, and create a strategy that actually moves you forward. Can't get enough of The Financia...

Wall Street wants into your 401(k), bringing private equity and crypto with it. But is that opportunity… or a trap? In this episode, Josh breaks down what these investments really are, the hidden risks (fees, complexity, and liquidity), and why more options don’t always mean better outcomes. Before you chase what’s new, make sure you understand what’s at stake. Can't get enough of The Financial Qu...

Helping your kids or grandkids financially feels like the right thing to do... but what if that generosity comes at a hidden cost? Josh breaks down the surprising tax consequences of pulling money from your 401(k), how it can trigger higher Medicare premiums, and why timing matters more than you think. Learn smarter strategies to give with intention without putting your own retirement at risk. Can...

Many retirees finally have the time to travel... but how much should you actually spend? Josh explains why baby boomers are spending more on vacations than any generation before them, the biggest travel mistakes retirees make, and how to build travel into your financial plan so you can enjoy life without putting your retirement at risk. Can't get enough of The Financial Quarterback? Click ‘Subscri...

If conflict escalates in the Middle East, Americans often feel the impact quickly, especially at the gas pump. Josh explains why tensions involving Iran can send oil prices higher, how that affects inflation and consumer spending, and what it could mean for retirees and investors. Can't get enough of The Financial Quarterback? Click ‘Subscribe’ so you never miss a play. If you’re enjoying the show...

Retirement security took center stage in the latest State of the Union, but what do the proposed changes really mean for your money? In this episode, Josh breaks down the proposed government-backed retirement accounts, the promise of matching contributions, and the potential long-term risks investors should consider. From tax diversification and Roth strategy to Social Security reliance and asset...

The biggest threats to your financial future aren’t always market crashes or major expenses, they’re the everyday spending habits you barely notice. In this episode, we explore the common money mistakes that quietly chip away at your wealth, from social spending pressure and lifestyle creep to generosity without boundaries. Learn how small financial decisions compound over time, how to recognize h...

Rules of thumb work... until they don’t. In this episode, Josh unpacks why one-size-fits-all financial rules often fail, how generic advice can quietly create risk, and what changes once you’ve already “won the game” financially. Plus, we explore why personalization matters, how risk tolerance should evolve over time, and why the goal isn’t more money, it’s clarity and confidence. Can't get enough...

Many people are closer to early retirement than they realize, but they’re missing one critical piece: income planning. Josh walks through how income bridges work, why timing matters more than hitting a magic number, and how to think about retirement cash flow before Social Security kicks in. This episode is for anyone who feels financially “close,” but not confident enough to make the leap. Can't...

For decades, the 4% rule has been treated as gospel for retirement planning... But is it still safe? Josh breaks down why the traditional withdrawal rule may no longer work in today’s market, how Social Security and guaranteed income change the math, and what really determines whether your money lasts as long as you do. Can't get enough of The Financial Quarterback? Click ‘Subscribe’ so you never...

The market is hitting record highs and AI stocks are soaring, but for retirees, this may actually be one of the most dangerous environments in years. In this episode, Josh explains why booming markets don’t automatically mean financial safety, how portfolio concentration and the sequence of returns can quietly threaten retirement income, and why income planning matters more than account balance al...

Are you thinking about retiring in 2026? Before you hand in your laptop, there are critical financial factors to consider. In this episode, Josh breaks down why delaying retirement (even by just a year or two) can dramatically improve your financial security. We'll also discuss key considerations including cash flow planning, Social Security strategies, healthcare costs, market volatility, and tax...