In this week's episode of Retire in Texas, Darryl Lyons, CEO and Co-Founder of PAX Financial Group, takes a deeper look at why so many goals fail - and makes the case that it's not a lack of motivation, discipline, or strategy that holds us back, but a misunderstanding of suffering.

Using the backdrop of New Year's resolutions and goal-setting frameworks like SMART goals, Darryl explores why enthusiasm fades, why accountability alone often falls short, and why discomfort is an unavoidable, and necessary, part of meaningful growth. Drawing from personal stories, scripture, and real-world observations, this episode reframes suffering not as failure, but as a process that builds perseverance, character, and long-term hope.

Key highlights of the episode include:

• Why most goals fail despite strong intentions, clear plans, and accountability systems.
• How discomfort, delay, and inconvenience - not catastrophe, are often the true forms of suffering we avoid.
• Why embracing struggle can create stronger habits, deeper character, and more durable results.
• The importance of perspective when facing setbacks, and how understanding others' struggles can reframe our own.
• How community, collaboration, and shared accountability make suffering lighter and progress more sustainable.
• Why focusing on long-term outcomes, not short-term pain, is critical to lasting personal and financial growth.

If you've ever wondered why change feels harder than it should, or why progress stalls even when you "know what to do," this episode offers a powerful mindset shift. Whether your goals involve health, finances, relationships, or personal growth, Darryl's message is a reminder that growth rarely happens without discomfort - and that endurance, built over time, is what ultimately leads to hope.

For more insights and to connect with a PAX Financial Group advisor, visit www.PAXFinancialGroup.com. If this episode resonated with you, consider sharing it with someone who could use the encouragement.

Resources:

www.thewealthadvisor.com/article/making-fortunes-and-letting-it-ride-13-new-year-investing-resolutions

www.youtube.com/watch?v=TKVAGxoU2AM

www.ngpf.org/blog/question-of-the-day/question-of-the-day-what-percent-of-lottery-winners-eventually-go-bankrupt/

In this week's Greatest Hits edition of Retire in Texas, Darryl Lyons, CEO and Co-Founder of PAX Financial Group, reflects on the deeper meaning of work, beyond the paycheck and the hustle, and explores how our jobs can serve as a spiritual journey.

As we wrap up 2025, this episode offers a thoughtful look at the concept of the dignity of work, making the case that how we work - and how we view work - can shape not just our careers, but our character and communities. Darryl shares personal stories, scriptural insights, and life lessons that challenge the cultural narrative of busyness and control.

Key highlights of the episode include:

• Why work isn't just about making money, and how giving can transform your perspective. • The power of workplace connections and the unexpected moments that reveal human kindness. • How small acts of improvement and growth can make work more fulfilling. • The myth of control in our professional lives, and what it means to truly trust in the long game. • How reframing your understanding of work can lead to less anxiety and more purpose.

If you've ever questioned the point of work, or found yourself weighed down by the day-to-day grind, this episode will offer a fresh and encouraging perspective. Whether you're in the thick of your career or mentoring the next generation, Darryl's message is a reminder that work, done with intention, can be one of the most meaningful parts of our lives.

For more insights and to connect with a PAX Financial Group advisor, visit www.PAXFinancialGroup.com.

If you found this episode encouraging, don't forget to share it with a friend!

In this week's episode of Retire in Texas, Darryl Lyons explores one of the most overlooked drivers of long-term financial success: behavior. Rather than focusing on market performance or investment selection, Darryl breaks down why the way we think, communicate, and make decisions could potentially have a greater impact on outcomes than the strategies we choose.

Darryl begins by reflecting on his own journey into behavioral finance and how studying the intersection of psychology, neuroscience, and traditional finance reshaped his perspective on the role of a financial advisor. That realization sets the foundation for today's discussion: helping individuals and families make rational decisions amid uncertainty, stress, and emotional noise.

He breaks the episode into several key themes:

• Why behavioral finance matters, and how emotional decision-making can potentially outweigh stock selection or asset allocation over time.

• The role of a financial advisor as a "thinking partner," especially during periods of volatility or life transitions.

• A real-world example of a couple who had strong financial habits but struggled to move forward because they approached money from different emotional and personality frameworks.

• How personality differences can create conflict around money, and why spreadsheets alone often fail to resolve those challenges.

• An introduction to the Enneagram as a practical personality tool that can help couples, families, and teams develop a shared language around money.

• A walkthrough of the nine Enneagram types, including common financial tendencies, strengths, and blind spots associated with each.

Darryl connects self-awareness, communication, and behavioral insight to show how understanding personality may reduce conflict, improve clarity, and support more intentional long-term planning - both financially and relationally.

If you benefited from today's episode, share it with a friend or family member!

This episode provides general educational information only and is not intended to provide specific investment, tax, or legal advice.

Resource:

https://www.truity.com/test/enneagram-personality-test

In this week's episode of Retire in Texas, Darryl Lyons explores one of the most significant economic shifts happening in our state: the creation of the Texas Stock Exchange - and what this means for business owners, investors, and the long-term financial landscape of Texas.

Darryl begins by sharing a personal story from a recent trip to New York with his daughter, reflecting on how Wall Street has changed over time and how electronic trading has transformed the markets. That reflection sets the stage for today's discussion: the movement of major financial infrastructure away from New York and into Texas.

He breaks the episode into several key themes:

• Why "Y'all Street" is becoming a reality, including how the Texas Stock Exchange - backed by BlackRock and Citadel - represents a major shift in where capital markets operate.

• How ESG policies contributed to this moment, and why regulatory burdens pushed many companies to seek a more business-friendly environment.

• How Texas prepared for this growth, from specialized business courts to economic development incentives that attracted Fortune 100 companies like Oracle and Tesla.

• The culture factor, including why some Texas cities - especially San Antonio - may limit their own growth unintentionally due to strong family-centric values.

• How access to capital unlocks expansion, using PAX as an example of how a company with a strong mission might scale when the right financial pathways exist.

• What the Texas exchange could mean for your investments, including why more homegrown Texas companies going public could eventually strengthen 401(k)s and IRAs across the state.

Darryl connects the dots between local business culture, economic development, and national capital markets to show how transformative this shift could be - not just for corporations, but for everyday Texans who invest for retirement.

If you benefitted from today's episode, share it with a friend or family member!

This episode provides general educational information only and is not intended to provide specific investment, tax, or legal advice.

In this episode of Retire in Texas, Darryl Lyons and PAX Financial Advisor Greyson Hanna take listeners through the emotional, practical, and behavioral realities that business owners face when preparing to transition out of their companies. Drawing on years of advising entrepreneurs - and personal experience from a family of business owners - Darryl explains why selling a business is far more than a financial transaction.

They break the conversation into the six phases of PAX Financial Group's business transition process:

• Phase Zero: Understanding the Owner and Spouse, including personal history, sacrifices, communication styles, and behavioral tools like the Enneagram to uncover motivations and priorities.

• Phase One: Business Discovery & Exit Readiness Assessment, where owners begin evaluating industry dynamics, operational gaps, and qualitative questions that often seem simple - but prove surprisingly difficult to answer.

• Phase Two: Valuation Preparation, helping owners gather the information needed for an equity estimate that provides a directional view of their company's worth rather than relying on guesswork.

• Phase Three: Honest Conversations & Risk Review, inviting both spouses into discussions about fears, expectations, long-term goals, and the emotional impact of stepping away from the business.

• Phase Four: Strategy & Buyer Fit, covering potential internal and external buyers, tax considerations, tradeoffs, and the importance of allowing enough runway - often years, not weeks - to position the business properly.

• Phase Five: The "Wheel of Life" Transition, where owners begin planning purpose, meaning, and fulfillment beyond the sale, ensuring they enter retirement with clarity, stability, and a vision for how they want to spend their time.

If you know a business owner preparing for their next chapter, feel free to share this episode with them!

This episode provides general educational information only and is not intended to provide specific investment, tax, or legal advice.

In this episode of Retire in Texas, Darryl Lyons addresses the growing emotional and mental strain many Americans are experiencing in today's economic climate. With 83% of individuals reporting that rising costs are affecting their mental health, Darryl unpacks the concept of "stressflation" and explains why financial pressure has become overwhelming for many households.

He breaks the discussion into five key areas using the PERMA happiness framework:

• Positive emotions, including how practicing gratitude, shifting perspective, and focusing on personal progress can help reduce negative reactions to financial stress.

• Engagement, emphasizing how finding activities that create "flow" - whether hobbies, work, or creative outlets - can help people stay grounded and mentally refreshed.

• Relationships, highlighting the importance of community, generosity, and genuine connection, especially during periods of financial strain or isolation.

• Meaning, reminding listeners to look to their personal life stories and experiences to find purpose, direction, and opportunities to support others.

• Accomplishment, offering examples of small wins and activities that restore a sense of progress, purpose, and control during uncertain economic periods.

Darryl also shares behavioral finance insights, real-life observations, and practical guidance for listeners who feel "stuck" in today's K-shaped economy. His message encourages long-term thinking, personal responsibility, and healthier emotional habits to help individuals navigate financial challenges more clearly.

If you benefitted from today's episode, feel free to share it with your family and friends!

This episode provides general educational information only and is not intended to provide specific investment, tax, or legal advice.

Resources:

https://positivepsychology.com/perma-model/

https://pmc.ncbi.nlm.nih.gov/articles/PMC3037397/

https://lifestance.com/insight/financial-stress-impact-mental-health-statistics-2025/

In this episode of Retire in Texas, Darryl Lyons offers a general year-end reminder list to help listeners stay organized as they review their financial and tax-related items. As the year closes, Darryl walks through several topics that individuals and families may want to revisit with their tax or financial professionals.

He breaks the discussion into four broad areas:

• Considerations such as reviewing pay stubs, retirement distributions, and personal budgeting tools to help ensure your information is accurate.

• General guidance on contribution deadlines, RMD requirements, Roth conversion considerations, and recent legislative updates.

• An overview of options like Qualified Charitable Distributions and donor-advised funds that some people use as part of their charitable giving approach.

• Information on 529 plans, medical account deadlines, the annual gift-tax exclusion, and the new age-related deduction created under recent legislation.

Darryl also shares personal observations and real examples that illustrate how these year-end reviews can help individuals stay aware of key requirements.

This episode provides general educational information only and is not intended to provide specific investment, tax, or legal advice. Listeners should consult their tax professional, CPA, or financial advisor before making decisions related to their personal situation.

If you benefitted from today's episode, feel free to share it with your family and friends!

In this powerful episode of Retire in Texas, host Darryl Lyons, CEO and Co-Founder of PAX Financial Group, is joined by Sarassa Inglis, Executive Director at Ransomed Life, and Roger Stukkie, Financial Advisor at PAX and a board member at Ransomed Life. Together, they shed light on the realities of child sex trafficking and exploitation happening right here in our local communities, and how Ransomed Life has been providing hope, healing, and mentorship for the past ten years.

In this episode, you'll hear:

The truth about human trafficking in San Antonio - and why it's not just a border issue

• How Ransomed Life's mentorship and counseling programs help victims rebuild their lives.

• Ways that listeners can volunteer, donate, or become mentors.

• Details about Ransomed Life's 10-Year Celebration at the Witte Museum.

• How purpose and service can transform your "second chapter" of life.

To learn more about Ransomed Life or to get involved, visit www.ransomedlifetexas.org.

If you benefitted from today's episode, feel free to share it with your family and friends!

In this week's episode of Retire in Texas, host Darryl Lyons, CEO and Co-Founder of PAX Financial Group, explores a fascinating question supported by years of research: why do studies suggest that women often achieve different investing results than men?

Darryl unpacks two key reasons - overconfidence and impulsiveness - and how humility and patience can support more thoughtful, long-term decision-making. He shares personal stories, including how his own wife's encouragement shaped his career, and how engaging a spouse in financial decisions can foster stronger communication and perspective.

You'll also hear how legendary investors like Warren Buffett credit their success to temperament over intellect - and why that same mindset can help individuals stay grounded in their approach to investing and relationships.

Key highlights include:

Why studies show women earn ~2% higher annual returns than men.

How overconfidence and impulsive trading can hurt performance.

The importance of engaging your spouse in financial decisions.

Lessons from the Bush family, Warren Buffett, and real-life examples.

Biblical insight from Genesis 2:18 on partnership and harmony.

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

If you benefitted from today's episode, feel free to share it with your family and friends! Resource: https://www.fool.com/research/women-in-investing-statistics/

In this heartfelt episode of Retire in Texas, host Darryl Lyons, CEO and Co-Founder of PAX Financial Group, sits down with Dr. Marian Sokol, former CEO of the Children's Bereavement Center of South Texas, to explore how grief affects children - and how healing begins through connection, creativity, and compassion.

From art therapy to peer support groups, Dr. Sokol shares how the Bereavement Center has helped thousands of children and families navigate the pain of losing a loved one. She also discusses the center's outreach in Uvalde, its school-based counseling programs, and how volunteers and donors play a vital role in sustaining its mission offered free of charge to families.

Key Highlights:

• How the Children's Bereavement Center supports children ages 3-23 through grief and trauma.
• Why expressive arts therapy helps kids process pain they can't express in words.
• The Center's work in Uvalde and response to community-wide tragedies.
• How families can volunteer, donate, or participate in programs.
• The emotional and financial importance of wills, organization, and long-term planning.

If you or someone you know is coping with loss - or wants to help others who are - learn more at www.cbcst.org or call (210) 736-4847.

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

If you benefitted from today's episode, feel free to share it with your family and friends.