Kelsey and Mike break down what really happens to your paycheck and why your net pay never matches the number you were hired at. They walk through the basics of taxes, Social Security, Medicare and voluntary benefits so young adults can finally understand where their money is going. They explain the difference between liquid and illiquid assets, why multiple buckets of money matter and how to decide whether a 401k, Roth or simple cash savings should come first. They also cover how to think about risk, timelines and real life expenses like moving out, buying a home or building an emergency fund. The episode closes with the role of a financial advisor and why trust, transparency and ongoing guidance make planning feel less like guesswork and more like progress.

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Kelsey sits down with Mike to demystify the basics of financial planning for young adults. They cover how to choose an advisor, what “fiduciary” really means, and why your first priorities are protection and an emergency fund before you chase returns. They dig into 401k plans, how much to save, and the simple two-bucket approach to balance near term goals with long term investing.

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Candy, costumes, travel, and traditions — the holiday spending spree starts here. We swap stories from our own Halloween plans and break down what smarter spending really looks like this time of year. Discover how to enjoy the season, protect your wallet, and make financial decisions that actually feel good later.Tell us what you want next. Comment with a topic, drop a question, or share. We read everything and your feedback shapes the show.We Protect And Provide For What You Care About Most.

Meet the new Business Casual. In this kickoff conversation, host Mike sits down with the folks behind the scenes, Troy and Kelsey, to share the vision for our upgraded studio and the direction of the show. We get real about what younger professionals actually want to learn about money, from student loans and first investments to buying a home and avoiding lifestyle creep. You will hear how we plan to turn real viewer questions into practical episodes with clear examples and simple math that anyone can follow.

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Chelsea and Mike go from AOL away messages to modern messaging to unpack how tech shaped their lives and careers. Chelsea shares the high school screen name she cannot forget, early wins in tax, what remote work did to her routine, and why a move to Alliance Financial Group reset her path. Mike spotlights how self-awareness, coaching, and being open to opportunity turn nostalgia into momentum.Tell us what you want next. Comment with a topic, drop a question, or share. We read everything and your feedback shapes the show.

Sudden wealth is exciting and overwhelming. Mike Longo and Chelsea Davis break down what to do when a big check hits your life, whether it’s a lottery win, a business sale, or a year-end bonus. They compare lump sum, installments, and present value options, explain how tax withholding can hit up to 24 percent, and map out a simple plan that balances near-term needs with long-term security. They also talk mindset, family pressures, and how having an advisor helps keep emotions in check when opportunity strikes.

Business Casual is here. Mike Longo and Chelsea Davis talk through how the show is evolving and why mixing current events, business, and real life actually makes advisors better for their clients. They get practical about routines, boundaries, and accountability, from 5 a.m. workouts to shutting the phone off at dinner. They compare early-career hustle to sustainable schedules, dig into client communication preferences, and share how community, vacations, and a strong team keep them sharp.

Tell us what you want next. Comment with a topic, drop a question, or share how you set boundaries in your week. We read everything and your feedback shapes the show.

We Protect And Provide For What You Care About Most.

Produced & Edited by Troy DavisExplore more:Want to talk with a financial professional Visit www.afgfl.com and click Talk to a ProfessionalInterested in joining our team Visit www.afgfl.com/career to apply online

Chapters:

00:38 - New show name introduction

02:11 - Work-life balance discussion

09:08 - Mike's weekly work schedule

12:49 - Lifestyle and health routines

15:00 - Mike's fitness journey

22:58 - Business scaling and staff support

26:47 - Vacation and recharging importance

30:23 - Personal growth reflection

35:27 - Accountability conversation

37:32 - Podcast future directionFollow Alliance Financial Group:

Website: https://www.afgfl.com/

Facebook: https://www.facebook.com/afgflorida/

Instagram: https://www.instagram.com/afg.advisors/

LinkedIn: https://www.linkedin.com/company/alliance-financial-group/

Email: [email protected]

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