Graduation is exciting — but stepping into adulthood, a first job, or a new career path can also feel overwhelming.In this episode of The Road to Financial Independence, Mike Riskin and Peter Golotko discuss what high school and college graduates should think about as they begin their next chapter. From understanding workplace benefits and health insurance to starting a 401(k), building an emergency fund, managing spending, and keeping housing costs low, this conversation breaks down practical steps young adults can take early.Start early. Stay patient. Live below your means. Stay steady as you grow.

In this episode, we break down what’s really driving recent market volatility—and why it may not be as bad as it feels. From rising oil prices and global conflict to the reality behind AI stocks and investor behavior, we cut through the noise and focus on what actually matters.

More importantly, we talk about what smart investors do in moments like this—and why market downturns can create real opportunities. If you’ve been feeling uncertain about where things are headed, this is the perspective you need.

Wealth isn’t built overnight — it’s built on consistent habits. In this episode, Mike and Pete take a closer look at The Fifteen Decrees of a Millionaire, exploring how each decree plays a part in shaping a clear, disciplined path toward financial independence. Tune in for insight, strategy, and motivation to strengthen your own financial roadmap.**The information provided in this podcast is for informational and educational purposes only and should not be construed as investment, legal, or tax advice. CPS Investment Advisors is a registered investment adviser with the U.S. Securities and Exchange Commission (SEC). Registration does not imply any level of skill or training. The opinions expressed on this podcast are those of the host and guests and do not necessarily reflect the views of CPS Investment Advisors. The information discussed is believed to be accurate at the time of recording but may not remain current. Listeners should not consider the discussion or any information shared as a solicitation or recommendation to buy or sell any particular security or investment strategy. All investments involve risk, including the possible loss of principal. Past performance is not indicative of future results. Before making any investment decisions, listeners should consult with a qualified professional about their individual circumstances. For additional information about CPS Investment Advisors, including our services and fees, please review our Form ADV, which is available at www.adviserinfo.sec.gov.