In the final installment of this three-part series, Darryl Lyons, CEO & Co-Founder of PAX Financial Group, takes a deeper look at the widely discussed predictions of a potential market downturn in 2030. Rather than leaning into fear, headlines, or doomsday forecasts, Darryl breaks down the four major forces that many believe could collide: government spending, inflation, demographic shifts, and a potential AI bubble.

Darryl also discusses the “Chicken Little” voices that have been calling for market catastrophe for decades, spotlighting the dangers of linear thinking, pessimistic modeling, and predictions that ignore innovation, human behavior, and historical resilience. With a practical and level-headed approach, he discusses why long-term investors often benefit from focusing less on fear and more on building durable plans designed to navigate uncertainty.

In this episode, Darryl covers:

• The four “cars in the intersection” that fuel 2030 crash predictions.

• Why pessimists are rarely held accountable for bad forecasts.

• How linear thinking skews market narratives.

• The potential risks behind government spending and demographics.

• Why AI could be transformative - even if parts of it become a bubble.

• Five practical steps for navigating uncertainty.

If you missed Parts I and II, be sure to go back and listen so you can follow the full conversation from start to finish.

Listen to more episodes here: https://PAXFinancialGroup.com/podcasts

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Resources:

The State of the Federal Budget: From Tariff Revenue to Deficits and DOGE Cuts - WSJ

What Will the World Look Like After the 2030s Great Depression?

Boom or bubble: How long can the AI investment craze last?

This Is How the AI Bubble Will Pop - Derek Thompson

How the Great Inflation of the 1970s Happened

Here's What Experts Say It Will Take to Fix Social Security | The Motley Fool

The Collapse of Medicare Is Happening Faster Than Expected - The Winston Group

Goldman Sachs Strategist: No Stock Market Bubble, Yet | The WealthAdvisor

Is the “2030 Depression” really inevitable - or just overhyped?

In this continuation of his three-part series, Darryl Lyons, CEO & Co-Founder of PAX Financial Group, dives deeper into the predictions surrounding a potential economic downturn and examines the four “vehicles” that could collide to create it: government spending, inflation, demographic trends, and the AI bubble.

Building on Part 1’s historical parallels, Darryl unpacks how rising national debt, compounding inflation, shrinking birth rates, and market speculation around artificial intelligence are shaping today’s financial landscape. Using his “traffic light” analogy, he illustrates how these forces might intersect - and what that could mean for investors and everyday Americans alike.

Whether you’re concerned about what’s ahead or simply trying to separate fact from fear, this episode encourages you to question the doomsday narratives, stay informed, and maintain a long-term perspective grounded in wisdom and clarity.

Key Highlights from the Episode

•           The “four cars at the intersection” driving economic risk: government spending, inflation, demographics, and AI.

•           How compounding inflation is widening the gap between the “haves” and “have nots.”

•           Why declining birth rates and aging leadership may create long-term economic pressure.

•           The warning signs of an AI-driven market bubble - and lessons from the dot-com era.

•           Why fear and greed still dictate market behavior - and how to stay grounded amid uncertainty.

Listen to more episodes: https://PAXFinancialGroup.com/podcasts

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In this 200th-episode special of Retire in Texas, Darryl Lyons, CEO & Co-Founder of PAX Financial Group, begins a three-part series exploring why some economists are discussing the potential for a future downturn, and what history can teach us about investor behavior during times of uncertainty.

From the fall of Rome to the Great Depression to today’s evolving economy, Darryl connects four powerful influences - government spending, inflation, demographics, and technology - and discusses how these forces interact to shape long-term economic outcomes. He also examines how optimism and pessimism affect investor psychology and what it means to stay steady when headlines predict doom.

If you’ve ever wondered whether history is repeating itself - or how to stay grounded when headlines predict doom - this episode offers clarity, perspective, and practical insights to help you think long-term.

Key Highlights from the Episode

-Why predictions of a “2030 Depression” are gaining attention.

-Optimists vs. pessimists: how each influences investor behavior.

-Lessons from history: Rome’s collapse and the Great Depression.

-Why history doesn’t repeat itself - but it often rhymes.

-What gives U.S. currency its resilience, and how trust plays a role in economic stability.

Listen to more episodes: https://PAXFinancialGroup.com/podcasts

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Where should you retire in Texas? 

In this week’s episode of Retire in Texas, CEO and Co-Founder of PAX Financial Group, Darryl Lyons, shares his top five towns for retirement in the Lone Star State. From the lakes of Marble Falls to the fast-growing hub of New Braunfels, Darryl explains what makes each community stand out and why the Texas Triangle is such an important region to consider.

He explores how healthcare access, lifestyle variety, airports, and cost of living all factor into retirement decisions - while highlighting the unique character of each Texas Hill Country town. Whether you’re drawn to wine country, artsy retreats, or bustling small cities, this episode offers insights to help you think long-term about where to retire in Texas.

Show Highlights: •    Why the Texas Triangle is central to retirement planning in Texas. •    The importance of healthcare access, cost of living, and airport proximity. •    How lifestyle and culture vary across the Texas Triangle’s communities. •    The countdown of the top five retirement towns. •    Why New Braunfels is one of the fastest-growing retirement destinations in the U.S.

For more resources, visit PAXFinancialGroup.com.

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In this episode of Retire in Texas, host Darryl Lyons, CEO and Co-Founder of PAX Financial Group, sits down with Steve Mack, Regional President of Liberty Capital Bank. Steve brings more than 40 years of banking experience, including three decades as CEO of Texas Heritage Bank, to discuss the recent merger with Liberty Capital Bank and what it means for Texas communities.

 They explore:

• The challenges and opportunities of merging two community banks.
• How community banks differ from big banks in culture, relationships, and lending.
• Why personal relationships still matter in today’s financial system.
• How the FDIC and IntraFi network protect deposits - even beyond the $250,000 limit.
• The role of community banks in supporting small businesses and local economies.
• How local banks stay competitive with interest rates while offering face-to-face service.

 If you’ve ever wondered about the safety of community banks, the difference between local and big-bank lending, or how mergers impact customers, this episode provides clear and practical insights.

 Listen now and learn why, when it comes to banking, life moves at the speed of relationships.

 If you enjoyed today’s episode, share it with your family and friends!

 The investment products and services offered by PAX are independent of the products and services offered by Liberty Capital Bank and are not FDIC insured, may lose value, are not bank guaranteed and are not insured by any federal or state government agency. Investment products and services are offered by appropriately licensed investment advisor representatives, subject to the general oversight and authority of PAX. 

In this heartfelt episode of Retire in Texas, Darryl Lyons, CEO and Co-Founder of PAX Financial Group, is joined by guest Charles Garcia for a powerful conversation reflecting on the life, faith, and legacy of Charlie Kirk.

Darryl shares the story of PAX’s national strategic relationship with Charlie, how it came to be, and the impact it had on the PAX family. Together, Darryl and Charles discuss the heart of Evangelism, the courage it takes to be obedient to God’s calling, and how figures like Charlie stand on the shoulders of those who came before - missionaries, preachers, and ordinary believers whose faith sparked revival across the world.

This episode explores themes of grief, hope, and revival, offering encouragement to see tragedy as a catalyst for deeper faith and greater intentionality in our own lives. From stories of Jim Elliot and John Paton to the everyday practice of “stacking pancakes” in gratitude, listeners are reminded of the eternal perspective that shapes how we live and lead today.

Whether you knew Charlie Kirk personally or simply want to be encouraged by his story, this episode will leave you inspired to be bold, obedient, and faithful in your own journey.

In this week’s episode of Retire in Texas, Darryl Lyons, CEO and Co-Founder of PAX Financial Group, continues his two-part series on the core financial principles that have guided his career, his clients, and his community.

Building on last week’s first ten principles, Darryl shares principles 11 through 20 - covering why retirement should be a pivot into purpose, why your net worth is a scorecard (not your identity), and why the market behaves like a child with a yo-yo on an escalator. He also discusses the healthy tension between focus and diversification, the importance of taking responsibility for your own money, and why investing in yourself often produces the greatest return.

Other key takeaways include:

• The underrated power of compound interest and patience.

• Why paying taxes doesn’t mean leaving a “tip.”

• How thinking long term changes not just your finances, but your health, family, and legacy.

Whether you’re planning for retirement, building your business, or simply trying to stay grounded, these timeless lessons may help you see money - and life - with greater clarity, purpose, and peace.

If you enjoyed today’s episode, be sure to share it with a friend or family member!

Resource: 

https://www.quiriniwealthgroup.com/documents/FG/quirini/insights/635982_sP_write_up-Revised.__SQ.pdf

Everyone has rules of thumb they live by when it comes to money, but are yours helping you or holding you back? In this week’s episode of Retire in Texas, Darryl Lyons, CEO and Co-Founder of PAX Financial Group, shares the first 10 of his 20 guiding money principles that influence how he makes financial decisions for himself, his family, and his clients.

Show Highlights: • Why an emergency fund should cover 3-6 months of expenses, not income. • How your spending and giving habits reveal what truly matters to you. • The two most reliable paths to wealth: starting a business or saving early and often. • Key rules of thumb on saving rates, home affordability, and retirement withdrawal strategies. • How a “legacy bucket” can help retirees balance growth, generosity, and peace of mind. • What just $150 a month could mean for your child’s future college costs.

Whether you’re just starting out, in the middle of your career, or already retired, these principles can serve as a foundation to help you make wiser money choices and think long term.

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Rising health insurance costs are squeezing household budgets - especially for families and those not yet on Medicare. In this week’s episode of Retire in Texas, Darryl Lyons, CEO and Co-Founder of PAX Financial Group, breaks down the differences between traditional health insurance and medical cost sharing programs and how each can impact cash flow between ages 62 and 65.

Show Highlights:

• The 2025 cost picture: premiums and out-of-pocket trends families are feeling.
• Traditional insurance vs. cost sharing: deductibles vs. IUAs, “premiums” vs. “shares,” and how reimbursement works with cash pay.
• Networks and access: why many sharing programs don’t use networks - and what that means at the doctor’s office.
• Coverage nuances: preventive care, preexisting conditions, and when ACA plans may be a better fit.
• Faith-based vs. non-faith options: examples like Samaritan Ministries, Medi-Share, Christian Healthcare Ministries, and Sedera.

Whether you’re still working, planning to retire before 65, or helping adult children evaluate coverage, this episode offers practical insights to compare traditional insurance with medical cost sharing and make a more informed decision for your situation.

If you enjoyed today’s episode, be sure to share it with a friend or family member!

Resource:

https://www.usatoday.com/story/graphics/2025/06/16/how-much-does-insurance-cost-2025-family-of-four/84149201007/

Roth IRAs have been around since 1997, but many people still have questions about how they work and whether they make sense for their retirement strategy. In this week’s episode of Retire in Texas, Darryl Lyons, CEO and Co-Founder of PAX Financial Group, unpacks the power of Roth IRAs and how they differ from traditional IRAs.

Show Highlights:

• The difference between marginal and effective tax rates - and why it matters for Roth contributions and conversions.
• Real stories of how retirees and pre-retirees have used Roth conversions to reduce future tax burdens.
• Key considerations before converting, including cash needs, Medicare IRMAA surcharges, and tax brackets.
• The impact of Roth IRAs on estate planning and how they can benefit the next generation.
• Contribution limits for 2025 and how Roth 401(k)s compare to Roth IRAs.

Whether you’re just starting out, approaching retirement, or thinking about legacy planning, this episode will give you practical insights into how a Roth IRA may fit into your overall financial plan.

If you enjoyed today’s episode, be sure to share it with a friend or family member!