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 behavior, and events no one sees coming.

I break down why forecasting the markets is so difficult, the common mistakes investors make when they rely too heavily on predictions, and what actually matters more when positioning your portfolio for a new year. This episode isn’t about calling the next big winner—it’s about thinking clearly, managing risk, and staying disciplined when the future is uncertain.

If you’ve ever felt overwhelmed by market noise or unsure who to believe as a new year approaches, this episode will help you reset your perspective and focus on what you can control.

For educational and informational purposes only. This podcast does not constitute investment advice.

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 to your DROP balance, we walk through the key details many people overlook.

More importantly, we talk about strategies to help maximize your DROP—not just during the DROP years, but when you exit and transition into retirement. This includes how DROP fits into your overall retirement plan, common mistakes to avoid, and why having a coordinated investment, tax, and income strategy matters.

Whether you’re thinking about entering DROP, already in it, or approaching your exit date, this episode will help you better understand your options and make more informed decisions about your future.

For educational purposes only. This podcast does not constitute financial or investment advice.

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 FRS for your retirement income, this episode gives you the roadmap you deserve.

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 financial advisor, tax professional, or legal expert before making any financial decisions.

The views and opinions expressed by Derrick Johnson and any guests on this podcast are their own and do not necessarily reflect those of any affiliated organizations or sponsors. While every effort is made to ensure that the information shared is accurate and up to date, no guarantee is made as to its completeness or accuracy.

Investing involves risk, including the possible loss of principal. Past performance is not indicative of future results.

By listening to this podcast, you acknowledge that neither Derrick Johnson nor The WealthWise Show shall be held liable for any losses or damages arising from the use of the information provided.

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 financial advisor, tax professional, or legal expert before making any financial decisions.

The views and opinions expressed by Derrick Johnson and any guests on this podcast are their own and do not necessarily reflect those of any affiliated organizations or sponsors. While every effort is made to ensure that the information shared is accurate and up to date, no guarantee is made as to its completeness or accuracy.

Investing involves risk, including the possible loss of principal. Past performance is not indicative of future results.

By listening to this podcast, you acknowledge that neither Derrick Johnson nor The WealthWise Show shall be held liable for any losses or damages arising from the use of the information provided.

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 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 financial advisor, tax professional, or legal expert before making any financial decisions.The views and opinions expressed by Derrick Johnson and any guests on this podcast are their own and do not necessarily reflect those of any affiliated organizations or sponsors. While every effort is made to ensure that the information shared is accurate and up to date, no guarantee is made as to its completeness or accuracy.Investing involves risk, including the possible loss of principal. Past performance is not indicative of future results.By listening to this podcast, you acknowledge that neither Derrick Johnson nor The WealthWise Show shall be held liable for any losses or damages arising from the use of the information provided.

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 purposes only. It is not intended as financial, investment, tax, legal, or accounting advice. Listeners are encouraged to consult with a qualified financial advisor, tax professional, or legal expert before making any financial decisions.The views and opinions expressed by Derrick Johnson and any guests on this podcast are their own and do not necessarily reflect those of any affiliated organizations or sponsors. While every effort is made to ensure that the information shared is accurate and up to date, no guarantee is made as to its completeness or accuracy.Investing involves risk, including the possible loss of principal. Past performance is not indicative of future results.By listening to this podcast, you acknowledge that neither Derrick Johnson nor The WealthWise Show shall be held liable for any losses or damages arising from the use of the information provided.

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