Elon Musk has been a pioneer in electric cars and space travel. And now he's in Texas. But how does that affect you as a Texan?

His companies have moved from California to Texas. His footprint is everywhere from Austin to the Rio Grande.

Listen now to take advantage of Elon's next great move with your money.

Show highlights include:

• Why investing any where in South Texas near an Elon Musk company secures a large retirement fund for yourself (1:30)
• How making $47,000 a year lets you buy a home in Travis County and retire in Texas (and walk away from expensive California real estate) (6:42)
• The "Texas Economic Development Act" that supports kids' school districts (10:20)
• Why embracing freedom and liberty in Texas gives you the healthy enjoyment you're looking for in retirement (even if you already feel "free") (15:45)

Grab your free copy of the “Retire In Texas” ebook now by heading over to PAXfinancialgroup.com.

You want to retire and have the ability to live a life of leisure, with the ability to take vacations with your family and know that your bills are always paid - and then some. But what does comfortable retirement really mean? 

Many people retire, and still have the worries and stress of daily life sitting on their shoulders. So… let’s hear from someone who retired and lives a life of comfort, pleasure, and simplicity.

In this episode, Scott Walker, native Texan and recently retired AT&T employee, walks us through how his financial plan set him up for a calm and stress-free retirement. He gives insights into the work ethic that brought him to where he is today-  retired in comfort, with a farm of his own and grandchildren surrounding him. 

Listen now to learn how you can replicate Scott’s retirement success. 

Show Highlights Include: 

• Why instilling a strong work ethic is the most important thing any parent can do to set their child up for a financially secure life (5:00)
• How being in war can help you climb the ladder to the executive suite (even without a million degrees) so that you can create a stable and comfortable financial life (7:55) 
• Depression-era money habits that help you become smarter with your money so that it works for you (13:30)
• Why you need to be consistently saving money for rainy days (you don’t know what’s coming) (18:15)
• Why you should NEVER touch your invested money (hint: it ruins your retirement) (19:00)

Grab your free copy of the “Retire In Texas” ebook now by heading over to PAXfinancialgroup.com.

When and how to retire is one of the most important decisions of your life. And it’s a tough one. 

With so many considerations: money, family, church, health and your legacy… it’s no wonder many of us end up frustrated and confused. 

In this conversation, Darryl interviews Steve Swann. Steve is a God-loving Texan who successfully retired after 40 years as an accountant. 

Listen to this episode to discover how you can retire without regrets and spend your golden years passing down your values instead of worrying about money. 

Show highlights include:

• The one thing your spouse wants to know, so you can retire without a fight (9:12) 
• How to have more “fun money” in retirement than when you were working (9:22)
• Why you shouldn’t worry about losing your mental sharpness in retirement (12:36)
• The “balance principle” that lets you relax more, spend more time with your family and pass on your legacy (13:00)
• The two fulfilling habits you should make time for in retirement, so you can enjoy vacations with your children and grandchildren for years to come (14:48)

Grab your free copy of the “Retire In Texas” ebook now by heading over to PAXfinancialgroup.com.

Almost everyone receives a raise at their job sometime during their career. But did you save half of that raise when you got it? You probably didn't.

So where do you learn the life skills about saving for retirement? Some people learn from their family. But most people learn it on their own.

Dale Carse started working at HEB at a young age. While at HEB, he learned the value of saving for retirement. And with each promotion he got, he saved half of his raise. When he retired 37 years later, he had a nice nest egg to live on because he had prepared for retirement.

Listen now to find out what Dale did with his money and how you retire stress-free.

Show highlights include:

• Why being afraid of retirement pays your house (11:09)
• How putting $5 in a piggy bank for your grandchildren gives you the discipline to do the things you want to do (12:11)
• How trying to remember what Saturday you're on lets you enjoy your retirement (and how you'll be empowered to do what you want to do with the savings you've acquired) (14:16)
• Why having a financial planner 15-20 years younger than you sets you up for retirement success (15:21)
• How finding your passion early on in life pushes you to fund your retirement account (17:22)

Grab your free copy of the “Retire In Texas” ebook now by heading over to PAXfinancialgroup.com.

Listen now to discover where the Top 5 cities in Texas are!

Show highlights include:

• Why niche.com thinks The Woodlands is the best city for you to live in America (1:39)
• How having a legendary reenactment in Settler's Park each year lets you participate in Texan history (4:28)
• Living in a great city is knowing your neighbors, having great restaurants close, and feeling part of the community.
• But it's hard to find the right city, especially if you'll commit by moving across the country.
• That's why in this episode a Texan put together a list of the Top 5 best cities to live in Texas. Each city has its own unique story.
• Why living off of the Chisholm Trail in the Wild Wild West lets you enjoy this part of Texas known as Hell's Half Acre (6:59)
• How a Roman Catholic city struggling to grow gives you the best opportunity to live in (10:14)
• Why splitting your time between two major cities lets you experience more of the Texas traditions (13:19)

Grab your free copy of the “Retire In Texas” ebook now by heading over to PAXfinancialgroup.com.

Links:

https://www.after55.com/blog/houston-retirement-guide-pros-cons/

https://www.lifestorage.com/blog/moving/moving-to-houston/

Texas is a part of the Bible Belt. And faith is an integral part of Texan values.

Do your Christian values align with the businesses you are investing in?

Biblical Responsible Investing is becoming more important to Texans than ever before. When investors use BRI principles to put pressure on companies to make right decisions....

....everyone benefits.

Listen now to discover how your faith and finances can make a better world!

Show highlights include:

• The "Mother Earth Investment Strategy" that lets you be a steward of our environment (6:12)
• How investing in salacious media companies funds human trafficking (and how you can eradicate exploitation) (7:56)
• Why supporting the LGBTQ+ community forces companies to align with your Biblical worldview (10:00)
• How promoting human rights holds Nike and GAP investors accountable by forcing them to not use Chinese manufacturers known for child slave labor (even if you love their products) (11:33)

Grab your free copy of the “Retire In Texas” ebook now by heading over to PAXfinancialgroup.com.

Links:

https://www.morganstanley.com/pub/content/dam/msdotcom/ideas/sustainable-investing-offers-financial-performance-lowered-risk/Sustainable_Reality_Analyzing_Risk_and_Returns_of_Sustainable_Funds.pdf

https://www.caron.org/blog/alcohol-is-killing-more-people-than-the-opioid-epidemic

https://www.cdc.gov/alcohol/features/excessive-alcohol-deaths.html 

https://www.addictions.com/gambling/5-alarming-gambling-addiction-statistics/

Have you sat in your comfy chair for too long? Have you watched all the college football you can watch? Are you bored out of your mind?

These are all common things that happen to people after they retire. So why not start a business?

Texas has the best business environment to start a business. You can start a business to do something you love or to help your community or by simply making more money.

Listen now to discover how you start and run a business in Texas!

Show highlights include:

• The "WalletHub Recommendation" that explains why you should start a business (1:12)
• Why talking about business at Thanksgiving dinner brings your family closer together (and you can come up with some new marketing strategies too) (3:31)
• How thinking about your childhood lets you discover a problem to solve that can be monetized (4:41)
• Why watching Shark Tank helps you figure out which type of business you could to start (even if it is as simple a drawing cats) (5:38)

Grab your free copy of the “Retire In Texas” ebook now by heading over to PAXfinancialgroup.com.

Links:

https://wallethub.com/edu/best-states-to-start-a-business/36934

Chronic care could happen at any time. Being a caregiver for one or both of your parents can be difficult. Especially if kids are fighting with nurses and each other over the inheritance money.

So planning in advance is the answer. The question is how do you go about doing that?

There are three ways to pay for elder care. You could be rich, insured, or poor. There is no wrong answer here, it's just figuring out which is the best option.

Listen now to find out the 3 ways to take care of your parents' elder care

Show highlights include:

• Why retiring at a nursing home in Texas lets you keep your retirement account (and spend time with friendly people) (4:35)
• How having a partnership qualified long-term healthcare insurance policy covers your parent elder care (even if they are perfectly healthy) (6:01)
• Why being broke in Texas gets you great long-term chronic care (8:17)
• The counterintuitive reason keeping your wealth lets you use government health programs (8:50)

Grab your free copy of the “Retire In Texas” ebook now by heading over to PAXfinancialgroup.com.

Links:

https://nypost.com/2015/07/21/badass-grandma-sneaks-out-of-senior-center-to-get-tattoo/

https://www.youtube.com/watch?v=mZ6ZrJUNQG4  

https://www.genworth.com/aging-and-you/finances/cost-of-care.html

Most Baby Boomers were raised to "go to school and get a job" with a pension or a retirement account. Additionally, the US government added social security as a way to supplement those funds not replace them.

But the overwhelming consensus about social security is that most people think it will pay for their retirement. That couldn't be further from the truth.

The government made a mistake by investing the funds in bonds and not securities. Because of that the social security program is expected to run dry by 2033.

So how do we solve the problem?

Simple. You change your spending habits and save!

Listen now to understand how to overcome this governmental negligence and still leave a legacy for your family!

Show highlights include:

• Why smart people take their social security at age 70 (even if you plan on retiring early) (1:19)
• How saving 15% of your gross income lets you leave a legacy for your children and grandchildren (4:49)
• Why Capitol Hill is destroying your social security fund (and how you can avoid this pitfall in the future) (7:58)
• How figuring out social security reassures your optimism toward retirement (and encourages you to skip buying that latte) (10:14)

Grab your free copy of the “Retire In Texas” ebook now by heading over to PAXfinancialgroup.com.

Links:

https://www.cbo.gov/publication/54868

https://www.investmentnews.com/social-security-trust-fund-depletion-moves-up-one-year-210960?NLID=MUST-READ&NL_issueDate=20210831&utm_source=MUST-READ-20210831&utm_medium=email&utm_campaign=investmentnews&utm_visit=247150&msdynttrid=xXR5fBBZvWW4Tge-cb8_qwphp01prZAz8hGDyA2Fkgg

Most people want to retire at age 65.

But do you have a plan with your financial advisor that meets your values?

Retiring in Texas has several financial reasons why you should consider it.

Darryl Lyons, President of Pax Financial, explains why you should consider retiring in Texas.

In this episode, he explores the Top 5 reasons why you should hire a financial advisor from Texas, if you're going to retire in Texas.

Show highlights include:

• Why paying a higher property tax rate reduces your monthly bills (even if you live in your dream house) (1:20)
• The "Texas Long-Term Healthcare Insurance Partnership Program" that doubles your health insurance value before using Medicaid (4:15)
• How having flood insurance during a drought protects your family (8:53)
• Why aligning your money and values lets you give 10% of your income away (10:43)

Grab your free copy of the “Retire In Texas” ebook now by heading over to PAXfinancialgroup.com.

Links

https://www.pewresearch.org/social-trends/2009/03/11/magnet-or-sticky/

https://worldpopulationreview.com/state-rankings/median-home-price-by-state