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.

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In this episode, Roy tackles a big question: What do wealthy people do that most folks don’t? He starts with mindset and a written plan—your “Financial GPS” of Goal, Plan, Schedule—then shows how to automate saving, maximize retirement accounts, and diversify across cash, bonds, stocks, and annuities so you can turn savings into “do-nothing money.” Roy also lays out the “defense”: budgets that actually work, emergency funds, the difference between good and bad debt, proper insurance, and basic estate planning. Practical, step-by-step, and implementation-focused. Visit roymatlockjr.com or call 615-843-2999.

The Roy Matlock, Jr. Money and Business Hour — Air date: November 11, 2025. We’re building “do-nothing money”—assets that pay you whether you work or not—using Roy’s Financial GPS: Goal • Plan • Schedule. You’ll see how to automate saving (pay yourself first), dollar-cost average through ups and downs, maximize retirement plans (401(k)/403(b)/457, IRA/Roth, backdoor Roth), diversify across risk & tax buckets, and lock in a solid defense with insurance and estate documents. Then we’ll map multiple income streams so one setback can’t derail your future.

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.

Roy Matlock Jr. explains how to avoid costly money mistakes and use his GPS framework to secure your finances—whether you’re just starting out or preparing for retirement.

Roy Matlock, Jr. explains how hidden risks, procrastination, and poor planning can silently drain your wealth — and how a financial check-up can change everything.