Do really tiny choices today really affect your finances in a big way in the future? The answer is yes. Really, it's the butterfly effect, but for your finances.

In this episode of the Last Paycheck Podcast, CFP Professionals Rob Hoxton and Archie Hoxton dive deep into the far-reaching impact of financial decisions, both big and small, on your long-term wealth and lifestyle. They will discuss the concept of compounding, not just while investing, but in every single financial choice you make in your life.

Think about the hidden costs or value added over time when making small (and large) financial decisions, and make sure they are really worth it to the way you want to live your life.

Whether you're planning to retire early or just want to be more intentional with your money, this episode will give you some clarity on the next steps.

How often do you consider the cost or value of your financial decisions? Tell us in the comments.

☎️ Questions? Call or text Rob and Archie at 304-876-2619 or reach them at https://www.hoxtonpm.com

🗓️ If you'd like to chat with Rob or Archie further, please schedule a consultation: https://calendly.com/archiehoxton/last-paycheck-consultation

Get their book!
Think Ahead: Ten Reasons Why You Need a Financial Planner by Rob Hoxton and Julia Connell - https://hoxtonpm.com/think-ahead-book/

This episode on YouTube: https://youtu.be/NnY0HQjndea

Listen in on conversations with CFP Professionals Archie and Rob Hoxton as they share weekly wisdom to help you retire and stay retired. Have you ever wondered what it will feel like when you get your last paycheck? Whether it's excitement, anxiety, or anything in between, this show is for you.

Visit: http://www.thelastpaycheck.com

Last Paycheck contains general information that is not suitable for everyone and was prepared for informational purposes only. Nothing contained in the presentation should be construed as a solicitation to buy or sell any security or as an offer to provide investment advice. Archie and Rob are investment advisor representatives of Hoxton Planning and Management LLC, a registered investment advisor.

This episode on YouTube: https://youtu.be/mI2Sl2gImcw

In this episode of the Last Paycheck Podcast, CFP Professionals Archie Hoxton and Rob Hoxton dive deep into the topic of investment risk and why understanding your true risk tolerance is essential for long-term financial success. They break down the difference between how much risk you think you're comfortable with and how much you may actually be taking, providing practical tips to help you avoid unpleasant surprises when the market takes a downturn.

The conversation explores the psychology behind investment decisions. They explain why losses tend to hurt more than gains feel good, and highlight strategies to balance risk and return, including the benefits of diversification and setting realistic expectations for both bull and bear markets.

Are you taking on too much risk? What are your strategies to curb your risk and deal with the consequences of market volatility?

☎️ Questions? Call or text Rob and Archie at 304-876-2619 or reach them at https://www.hoxtonpm.com

🗓️ If you'd like to chat with Rob or Archie further, please schedule a consultation: https://calendly.com/archiehoxton/last-paycheck-consultation

Get their book!
Think Ahead: Ten Reasons Why You Need a Financial Planner by Rob Hoxton and Julia Connell - https://hoxtonpm.com/think-ahead-book/

This episode on YouTube: https://youtu.be/Ao6AMW4cX40

Listen in on conversations with CFP Professionals Archie and Rob Hoxton as they share weekly wisdom to help you retire and stay retired. Have you ever wondered what it will feel like when you get your last paycheck? Whether it's excitement, anxiety, or anything in between, this show is for you.

Visit: http://www.thelastpaycheck.com

Last Paycheck contains general information that is not suitable for everyone and was prepared for informational purposes only. Nothing contained in the presentation should be construed as a solicitation to buy or sell any security or as an offer to provide investment advice. Archie and Rob are investment advisor representatives of Hoxton Planning and Management LLC, a registered investment advisor.

This episode on YouTube: https://youtu.be/4bmL8UyANUU

Have you ever just finished watching a reel/short/tiktok where a finance bro is trying to convince you you shouldn't ever just own your home?

Well, Rob and Archie have, and today we are discussing two of those. This type of content is alive and well online, and tends to attract a lot of followers due to the punchy, controversial takes, and convincing delivery. But you have to ask yourself, is your home an investment, or a shelter and a place to be with your family?

Renting is a viable choice, especially if you never want to settle down in one location, and real estate investment has its place in your portfolio. Still, if you're looking to settle down with your family, build your life, and create long-term memories, Rob and Archie have a different opinion. Owning your home can contribute to a stress-free life, and never underestimate the feeling of being debt-free.

And when watching viral videos online, consider if this type of advice is tailored to your life, your future, and your well-being.

☎️ Questions? Call or text Rob and Archie at 304-876-2619 or reach them at https://www.hoxtonpm.com

🗓️ If you'd like to chat with Rob or Archie further, please schedule a consultation: https://calendly.com/archiehoxton/last-paycheck-consultation

Get their book!
Think Ahead: Ten Reasons Why You Need a Financial Planner by Rob Hoxton and Julia Connell - https://hoxtonpm.com/think-ahead-book/

This episode on YouTube: https://youtu.be/Ao6AMW4cX40

Listen in on conversations with CFP Professionals Archie and Rob Hoxton as they share weekly wisdom to help you retire and stay retired. Have you ever wondered what it will feel like when you get your last paycheck? Whether it's excitement, anxiety, or anything in between, this show is for you.

Visit: http://www.thelastpaycheck.com

Last Paycheck contains general information that is not suitable for everyone and was prepared for informational purposes only. Nothing contained in the presentation should be construed as a solicitation to buy or sell any security or as an offer to provide investment advice. Archie and Rob are investment advisor representatives of Hoxton Planning and Management LLC, a registered investment advisor.