They say opposites attract… until it’s time to talk about money.

In this episode of That Financial Guy Show, I unpacke the emotional and practical side of managing money as a couple — and why love and finance often speak completely different languages.

You’ll learn:
• Why most money fights aren’t really about money at all — and what they actually mean
• The four common money personalities and how they clash (Saver, Spender, Avoider, Planner)
• How couples miscommunicate about retirement goals, daily spending, and “financial fairness”
• Simple steps to create transparency, reduce resentment, and build teamwork around finances
• How to turn money from a source of stress into a shared vision for your future together

Whether you’re newly married, approaching retirement, or somewhere in between — this episode helps you bridge the financial gap between love, logic, and lasting partnership.

Because financial planning isn’t just about numbers — it’s about understanding the person across the table.

Helping you to be wise with your money!
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You’ve probably heard it before: “Just max out your 401(k) and you’ll be fine.”
But here’s the truth, if that’s your only strategy, you could be setting yourself up for a massive tax problem later.

In this episode of That Financial Guy Show, Keith Wilson explains why focusing only on your 401(k) can limit your flexibility in retirement and what to do instead. You’ll learn:
• Why every dollar in your 401(k) is fully taxable later and how that can lead to higher taxes and Medicare premiums.
• Why your savings rate matters more than contribution limits.
• How to use a 25% savings rate as a framework for smarter, more balanced saving.
• The power of tax allocation by spreading savings across 401(k), Roth, and brokerage accounts.
• How building tax flexibility now gives you more control over your retirement income later.

Because real wealth isn’t about maxing out a single account, it’s about creating options across all of them.

🎧 Tune in and learn how to make your savings work smarter, not just harder.

Helping you to be wise with your money!
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We’ve all heard the retirement “rules of thumb”, save a million bucks, withdraw 4%, you’ll be fine. But what if those old rules are setting you up for mistakes?

In this episode of That Financial Guy Show, Keith Wilson takes aim at the five most common retirement myths that can derail even the smartest savers. You’ll learn:

• Why the “$1 Million to Retire” rule is misleading (and how inflation + cost of living change everything).
• The truth about Social Security, why it’s not going away, and what really matters.
• Why the famous 4% rule isn’t one-size-fits-all (and what Bill Bengen, Michael Kitces, and even Dave Ramsey get wrong).
• How lifestyle creep quietly eats away at high earners and how to stop it without living like a monk.
• Why money alone doesn’t guarantee happiness in retirement and what to focus on instead.

Retirement isn’t about myths, magic numbers, or fear it’s about clarity, flexibility, and purpose.

🎧 Tune in now to learn what really works when it comes to building and living your best retirement.

Helping you to be wise with your money!
To see more videos discussing personal finance Subscribe:
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📝 Get your Free Retirement Plan checkup
https://wfa-nc.com/retirement-plan-ch...

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If you’re in your 40s or 50s and feel like you’ve fallen behind on retirement savings, this episode is for you. Maybe you’ve heard the advice to start investing early—but life happened, and now you’re wondering if it’s too late to build a secure future. Spoiler: it’s not. In this episode of That Financial Guy, I’ll walk you through ten realistic, actionable steps to help you catch up, rebuild, and create a retirement plan that works—starting right now. From money mindset shifts and tracking your spending, to building an emergency fund, increasing your income, and redefining what retirement can look like, we’re covering it all. No fluff. Just clear, practical guidance for people ready to take control. You’re not too late—you’re right on time.

Helping you to be wise with your money!
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It’s not just what you invest in, it’s where you invest it that makes the difference.

In this episode of That Financial Guy Show, I break down how to use different types of accounts: 401(k)s, IRAs, Roth IRAs, and brokerage accounts, to maximize growth and minimize taxes.

You’ll learn:

• How each account is taxed and why that matters.
• Why mutual funds in a brokerage account can create surprise tax bills.
• How one big index fund in a brokerage account could limit tax-loss harvesting.
• Why Roth accounts should be your pure growth engine.
• Which investments fit best in 401(k)/IRA accounts vs. Roth vs. brokerage.

This is the overlooked strategy called asset location, aligning investments with the right account type. Get it right, and you can grow wealth faster and keep more of what you’ve earned.

🎧 Tune in now to make sure your money is working smarter across every account you own.

Helping you to be wise with your money!
To see more videos discussing personal finance Subscribe:
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Most retirement planning advice is about saving enough. But what happens when you’ve saved, you’re ready to retire… and you still can’t bring yourself to spend?

In this episode of That Financial Guy Show, I dive into the surprising psychology of spending in retirement. You’ll hear:

• Why many retirees feel guilty about spending—even when the numbers say they’re fine.
• The three biggest behavioral traps: fear of running out, lifestyle guilt, and market anxiety.
• How a financial plan acts like a permission slip to enjoy your money.
• Real client stories of moving from fear to confidence.
• Practical strategies to balance living today while preparing for tomorrow.

Because the truth is, retirement isn’t just about having money—it’s about having the freedom to enjoy it without regret.

🎧 Listen now and learn how to turn your plan into confidence and your savings into a life well-lived.

Helping you to be wise with your money!
To see more videos discussing personal finance Subscribe:
https://www.youtube.com/channel/UCbDA...

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Everywhere you turn these days, people are talking about Roth conversions like they’re the ultimate retirement hack. But from what I’ve seen in working with real families, the truth is… Roth conversions can be overrated.

In this episode of That Financial Guy Show, I share real stories from my own clients — times when a Roth conversion made sense, and times when it would have been a costly mistake.

You’ll hear about:

• A client who almost converted in his peak earning years (and why that would’ve been a tax disaster).
• A retiree who thought she needed to convert late in life (but the math said otherwise).
• A couple ready to convert, but who didn’t realize paying the tax out of their IRA killed the benefits.
• Families who did get it right — using gap years before Social Security and big IRAs that would’ve caused huge RMDs later.

Here’s the bottom line: Roth conversions are a tool, not a cure-all. For some people, they’re brilliant. For others, they’re unnecessary and expensive.

If you’ve ever wondered, “Should I be doing a Roth conversion?” this episode will give you the clarity you need.

Helping you to be wise with your money!
To see more videos discussing personal finance Subscribe:
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📝 Get your Free Retirement Plan checkup
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Most people think saving for retirement is simple: load up the 401(k), defer taxes, and let it grow. But here’s the truth when Required Minimum Distributions (RMDs) hit, Uncle Sam may take a bigger bite than you expect.

In this episode of That Financial Guy Show, I break down:

• Why putting everything into a 401(k) can backfire in retirement.
• The Go-Go, Slow-Go, and No-Go years of retirement spending—and why your healthiest years matter most.
• Real client stories where updating the financial plan changed everything.
• Overlooked wealth strategies like Roth conversions, brokerage accounts, and smart debt reduction.

Retirement isn’t just about having money—it’s about having flexibility and freedom to enjoy life while you can.

👉 Whether you’re 10 years from retirement or already thinking about RMDs, this episode will give you practical strategies to retire smarter, spend with confidence, and avoid costly mistakes.

Helping you to be wise with your money!
To see more videos discussing personal finance Subscribe:
https://www.youtube.com/channel/UCbDA...

For more resources: 👉 https://wfa-nc.com/insights

📝 Get your Free Retirement Plan checkup
https://wfa-nc.com/retirement-plan-ch...

To schedule a complimentary consultation with me: 👉...