The evolution of retirement has been changing for decades and with people living longer than before, many people are wondering where they will end up when their time comes.

This week on the show, Brad tackles one of the biggest gaps in our education system, the money lessons we should've learned in high school but didn't. Brad walks through the foundational financial skills every young adult needs before stepping into the real world: how to budget without feeling broke, how credit actually works, the basics of investing, and why understanding taxes isn't just for accountants. Whether your high school skipped over personal finance completely or gave you a single worksheet and called it a day, this episode fills in the gaps and gives you the blueprint you should've graduated with, so you can start your adult life on offense instead of playing catch-up.

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Show Highlights Include:

· Budgeting (3:30)

· Investing (9:15)

· Credit (14:45)

· Taxes (16:30)

To schedule your free retirement tracking meeting, specifically for first responders, head to http://pensionattention.com/ or call us at 805-410-5454.

The evolution of retirement has been changing for decades and with people living longer than before, many people are wondering where they will end up when their time comes.

This week on the show, Brad wades into one of the most high stakes traditions of the season…holiday table talk. Brad breaks down the conversations you should be having with every family member. He dives into the money dynamics nobody wants to bring up — budgeting for gifts without guilt, helping older relatives prepare financially, and even teaching younger family members about saving before they pick up their first paycheck. Whether your family avoids money talk like politics or overshares like it's a group therapy session, this episode will show you how to turn awkward holiday chatter into meaningful, healthy financial dialogue that sets everyone up for a stronger new year.

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Show Highlights Include:

· Younger Kids (2:30)

· Teenagers/ Older Children (4:30)

· Talking To Your Parents (7:00)

· Siblings (8:30)

· Your Spouse (10 :00)

To schedule your free retirement tracking meeting, specifically for first responders, head to http://pensionattention.com/ or call us at 805-410-5454.

This week on the show, Brad takes on one of the biggest misunderstandings in the money world: the difference between a good company and a good investment. Because yes, your favorite brand might make great products, treat employees like royalty, and donate to puppies — but that doesn't automatically mean its stock is going to the moon. And on the flip side, some companies that feel sketchier than a gas-station hot dog somehow make investors rich. So, let's dig into why loving a company and making money from it are two very different things… and how to tell when you've found both.

Show Highlights Include:

· Defining A Good Company (2:15)

· Emotions Vs Numbers (5:00)

· Kodak: A Cautionary Tale? (6:30)

· Consider The Competitive Advantages (8:30)

· Price And Value Are Not Equal (13:00)

Listen Now!

To schedule your free retirement tracking meeting, specifically for first responders, head to http://pensionattention.com/ or call us at 805-410-5454.

The evolution of retirement has been changing for decades and with people living longer than before, many people are wondering where they will end up when their time comes.

This week on the show, Brad dives into one of the most fascinating financial conspiracy theories in history — did J.P. Morgan really sink the Titanic to pave the way for the Federal Reserve? He unpacks the story's origins, separates myth from evidence, and explores why this century-old event still captures the imagination of finance buffs today. From the wealthy elites onboard to the timing of the Fed's creation, Brad takes you through the twists, motives, and money behind the legend. Whether you're a skeptic, a history lover, or just curious how far financial power might reach, this episode will make you rethink one of the world's most famous disasters — and the money that may have been made from it.

Listen Now!

Show Highlights Include:

· Who Is JP Morgan? (3:45)

· The Jesuits (5:30)

· Who Was On The Titanic? (7:00)

· The Federal Reserve (8:30)

· Why??? (14:30)

To schedule your free retirement tracking meeting, specifically for first responders, head to http://pensionattention.com/ or call us at 805-410-5454.

The evolution of retirement has been changing for decades and with people living longer than before, many people are wondering where they will end up when their time comes.

This week on the show, Brad dives into one of life's biggest financial turning points — preparing for a child. From diapers to daycare, he breaks down the real costs (and hidden ones) that come with growing your family, and shares how to plan ahead with confidence instead of panic. You'll learn smart strategies for budgeting, building an emergency cushion, and adjusting your goals to protect both your finances and your peace of mind. Whether you're expecting, planning ahead, or just curious what it takes, this episode will help you approach parenthood not with fear — but with a solid financial foundation.

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Show Highlights Include:

· Before The Baby Is Born (4:30)

· The Baby Is Here (7 :00)

· Future Proofing (9:30)

· Education Planning (12:00)

· Crazy Stories (15:30)

To schedule your free retirement tracking meeting, specifically for first responders, head to http://pensionattention.com/ or call us at 805-410-5454.

On this episode of the 3 Question Podcast, our topic will be focusing on the 3 Questions Business Owners Should Ask Before Granting Equity From Their Business. To help prepare you, I’ve invited my good friend, Emmanuelle Subar Litvinov, Esq, to join us. She is a Partner with The Entrepreneur Lawyers and a dedicated business attorney who specializes in mergers and acquisitions, private securities offerings, equity financings, and partnership structuring.

To schedule an online zoom consultation with Wayne to discuss your Wealth Management needs, click the link below. www.onecapital.com/MeetWithWayne3

Subscribe to our YouTube Channel!

https://www.youtube.com/@3questionswebcast

Follow Wayne on LinkedIn:

https://www.linkedin.com/in/wayne-baxter-81041229/

The evolution of retirement has been changing for decades and with people living longer than before, many people are wondering where they will end up when their time comes.

This week on the show, Brad tackles a powerful (and sometimes awkward) question: why does it feel so uncomfortable when someone asks us for money? He breaks down the emotions and money beliefs behind that reaction — from fear of conflict to hidden guilt and scarcity thinking. You'll learn how understanding your own money mindset can turn uncomfortable moments into confident, healthy conversations. Whether you want to set better boundaries, give generously, or just feel less awkward, this episode will help you shift from tension to clarity when money comes up.

Listen Now!

Show Highlights Include:

· Money Chat is Taboo (3:30)

· Distrust (5:15)

· Manipulation (8:30)

· Fear of Financial Insecurity (15:00)

· Trust Your Plan (16:45)

To schedule your free retirement tracking meeting, specifically for first responders, head to http://pensionattention.com/ or call us at 805-410-5454.

The evolution of retirement has been changing for decades and with people living longer than before, many people are wondering where they will end up when their time comes.

In this week's episode, we dive into the hidden world of money disorders and how they quietly shape your financial health. We break down the most common types—from compulsive spending to money avoidance and money dysmorphia—and reveal the impact they can have on your everyday life and long-term goals. With clear, practical insights, this episode helps you recognize the warning signs, understand where they come from, and start building healthier money habits that lead to freedom, confidence, and lasting financial well-being.

Show Highlights Include:

• Money Dysmorphia (6:00)
• Money Avoidance (7:00)
• Compulsive Spending (8:45)
• Chrometophobia (9:40)
• Money Enmeshment (11:15)

To schedule your free retirement tracking meeting, specifically for first responders, head to http://pensionattention.com/ or call us at 805-409-8150.

The evolution of retirement has been changing for decades and with people living longer than before, many people are wondering where they will end up when their time comes.

In this week's episode, we dive into the power of passive income and what it really means for your financial freedom. We break down the three main types—investment-based, asset-sharing, and digital content—and explore how each can create streams of revenue that keep working even when you're not. With clear, practical insights, this episode shows you how to start building income that lasts, freeing up your time while growing long-term wealth.

Show Highlights Include:

• What Is Passive Income? (2:00)
• Investment Based (5:15)
• Net Profit Income (8:45)
• Asset Sharing (10:00)
• Digital Content (13:15)

To schedule your free retirement tracking meeting, specifically for first responders, head to http://pensionattention.com/ or call us at 805-409-8150.

The evolution of retirement has been changing for decades and with people living longer than before, many people are wondering where they will end up when their time comes.

This week on the show, Brad dives into a common question: Is investing just gambling? He unpacks the key differences between risky bets and smart strategies, showing how informed investing can build real long-term wealth. Whether you're hesitant to start or want to sharpen your approach, this episode will help you invest with confidence—not luck.

Listen Now!

Show Highlights Include:

· Probability (3:45)

· Value Creation (6:45)

· Strategy (7:30)

· Long Term vs. Short Term (9:00)

· Define it (14:00)

To schedule your free retirement tracking meeting, specifically for first responders, head to http://pensionattention.com/ or call us at 805-410-5454.