The Wealth Wise Show

Asset allocation is one of the most important investing concepts—and one of the most misunderstood. In this episode, we break down what asset allocation means in plain English and why it’s often the “foundation” of a long-term investment plan. Asset allocation is simply how you divide your money across major asset classes like stocks, bonds, and cash. The reason it matters is because different ass...

Want your investments to do more than just “sit there”? In this episode of The WealthWise Show , we break down income-focused investment strategies that can help you earn cashflow and manage downside risk —whether you’re in your 20s, 40s, or planning for retirement someday. No hype, no “get rich quick,” just clear explanations of how these strategies work and who they tend to fit best. You’ll lear...

Roth vs. Traditional is one of the most common questions in retirement planning—and it’s also one of the most misunderstood. In this episode of The WealthWise Show , we break down Roth contributions/conversions vs. Traditional (pre-tax) contributions in plain English so you can make a decision based on your goals—not internet arguments or one-size-fits-all rules. You’ll learn: What “Roth” and “Tra...

If you’re in the Florida Retirement System (FRS), there’s a good chance you’ve asked yourself: “Am I in the right plan?” In this episode of The WealthWise Show , we break down the FRS Pension Plan vs. the FRS Investment Plan in plain English—what each one is, how they work, and how to think through the decision without fear tactics or sales pressure . You’ll learn: The simple definition of each pl...

A market correction can feel like the sky is falling — but in reality, corrections are a normal part of investing. The real danger usually isn’t the dip… it’s the decisions people make during the dip. In this episode of The WealthWise Show , we break down what a market correction is , why it happens, and how to respond with a clear plan instead of panic. Whether you’re investing for retirement, bu...

Diversification is one of the most repeated rules in investing—but it’s often repeated without a clear explanation. In this episode, we break down what diversification actually means, why it matters, and the biggest misconception people have about it. Diversification is simply spreading your investments across different holdings and categories so that one single stock, one industry, or one event c...

If there’s one concept that quietly separates people who build wealth from people who stay stuck, it’s compound interest . In this episode of The WealthWise Show , we break down how compounding interest works in a simple, real-world way — and why it’s one of the most powerful tools for long-term wealth building. Compounding isn’t about getting rich overnight. It’s about letting time, consistency,...

A solid portfolio isn’t about finding the perfect stock — it’s about building a smart mix of investments that matches your goals, your timeline, and your ability to handle risk. In this episode of The WealthWise Show , I break down how to build an investment portfolio step-by-step in a way that’s simple, practical, and focused on long-term success — whether you’re just getting started or tightenin...

Market pullbacks and corrections can feel stressful — especially when headlines get loud and your account balance starts moving fast. But here’s the truth: declines are a normal part of investing , and how you respond matters more than the drop itself. In this episode of The WealthWise Show , I break down how to handle stock market pullbacks and corrections with a clear, practical game plan — so y...

Balance sheets can look intimidating — but once you know what you’re looking for, they tell a powerful story about a company’s financial strength (or hidden risk). In this episode of The WealthWise Show , I break down how to read a balance sheet in plain English and how to use it to understand what a company owns, what it owes, and how stable it really is. Whether you’re a DIY investor, business o...

Everyone talks about investing — but how do you actually research a company before putting money at risk? In this episode of The WealthWise Show , I walk you through how I personally research and evaluate companies , from a long-term, fundamentals-driven perspective. This is not about hype, hot tips, or trying to time the market. It’s about understanding businesses, managing risk, and making infor...

Healthcare is one of the biggest expenses retirees face — and for members of the Florida Retirement System , the Health Insurance Subsidy (HIS) can play an important role in helping offset those costs. In this episode of The WealthWise Show , we break down the FRS HIS in plain English so you can clearly understand: What the Health Insurance Subsidy (HIS) is Who qualifies for the subsidy How the mo...

In this episode of The WealthWise Show, we take a clear, simple, and practical look at the FRS Investment Plan — what it is, how it works, and how you can make smarter retirement decisions based on your goals, timeline, and long-term needs. If you’re a member of the Florida Retirement System, understanding the Investment Plan can be a major key to building retirement income. We break down: How con...

In this episode of The WealthWise Show , we break down one of the most misunderstood retirement benefits available to eligible employees: DROP (Deferred Retirement Option Program). I explain, in plain language, what DROP actually is, how it works, and why the decisions you make during your DROP period can have a lasting impact on your retirement. From how your pension is calculated to what happens...

In this episode of Derrick Thoughts , I share my honest perspective on the markets as we head into 2026—and why trying to predict what will happen next often does more harm than good. Every year, investors are flooded with bold forecasts, confident predictions, and “sure bets” for the coming year. The reality? Markets don’t move on calendars, headlines, or opinions. They move on uncertainty, human...

In this episode, Derrick breaks down the Florida Retirement System Pension Plan in plain English—no jargon, no confusion. You’ll learn how the pension formula works, how your years of service and AFC affect your benefit, what early retirement really means, and how to avoid costly mistakes before you leave the system. If you’re a teacher, first responder, state employee, or county worker relying on...

Love People & Finance? Make it your profession. This episode walks you through the entire process of becoming a licensed investment advisor The information provided on The WealthWise Show, hosted by Derrick Johnson, is for educational and informational purposes only. It is not intended as financial, investment, tax, legal, or accounting advice. Listeners are encouraged to consult with a qualified...

Love People & Finance? Make it your profession. This episode walks you through the entire process of becoming a licensed investment advisor The information provided on The WealthWise Show, hosted by Derrick Johnson, is for educational and informational purposes only. It is not intended as financial, investment, tax, legal, or accounting advice. Listeners are encouraged to consult with a qualified...

Your money has a voice, but is it saying what you want it to? This episode explores how to align your financial goals with your daily decisions. From intentional budgeting to investing with purpose, we help you make your money speak volumes about your priorities, freedom, and future. Disclaimer for The WealthWise ShowThe information provided on The WealthWise Show, hosted by Derrick Johnson, is fo...

Your credit score impacts way more than just loan approvals — it can shape your future. In this episode, we break down the hidden factors that influence your score, bust common myths, and give you real tools to take control. No fluff, just facts. Disclaimer for The WealthWise ShowThe information provided on The WealthWise Show, hosted by Derrick Johnson, is for educational and informational purpos...

A lighthearted but powerful crash course on investing minus the jargon. Derrick simplifies socks, bonds, and ETFs all in plain English

Spending Habits That Actually Matters Is your morning coffee ruining your financial future? Derrick Looks past the cliches and explores which habits really move the financial needle.

From income streams to smart tax moves. Derrick unpacks how wealthy individuals grow and protect their money

What your uncle told you was wrong. Host Derrick Johnson drives into common myths like "buying is always better than renting" or " credit cards are evil." Lets see if any of those things are true in todays episode of The Wealthwise Show

Stay informed, stay WealthWise! 🎙️💰 Podcast Disclaimer The information provided in this podcast is for informational and educational purposes only and should not be considered financial, investment, or legal advice. Opinions expressed by the hosts and guests are their own and do not reflect the views of their employers or affiliated organizations. Investing involves risks, including the potential...