Roy Matlock Jr. shares how to shift from financial defense to offense by protecting your income, investing consistently, and letting time and compounding do the heavy lifting. He outlines practical ways to automate savings, work with professional managers, and use the right mix of tools — from Roth IRAs to annuities — to create a secure, growing financial future.

Avoiding the most common financial mistakes and building a plan that carries you from accumulation to retirement.

Drawing from over 40 years of experience and thousands of client reviews, he shares how common blind spots — like leaving old 401(k)s unmanaged, paying hidden fees, mismanaging taxes, or failing to diversify — can cost families hundreds of thousands of dollars.

Avoiding the Top 10 Retirement Planning Mistakes can mean the difference between financial freedom and costly setbacks. In this episode of The Roy Matlock, Jr. Money and Business Hour (September 20, 2025), Roy breaks down the most common mistakes that can cost you $50,000 to $500,000 over your lifetime.

From procrastination and missing out on employer matches, to being too aggressive or too conservative with your investments, Roy explains how to take control of your money.

This week’s episode tackled the #1 wealth killer: procrastination. Roy Matlock Jr. explained how delaying financial decisions robs people of compounding growth, raises insurance costs, and leaves families financially vulnerable. Instead of waiting, Roy urged listeners to automate savings, implement systems, and create defensive protections. The message was clear: procrastination costs money—implementation builds wealth.

In the August 16, 2025 episode of The Roy Matlock, Jr. Money and Business Hour, Roy dives into the realities of inheritances and the massive wealth transfer taking place as Baby Boomers pass down trillions in assets. He stresses the importance of planning—both for those leaving inheritances and those receiving them. Roy explains how wills, trusts, buy-sell agreements, and careful financial management can prevent disputes, protect assets, and ensure generational wealth is preserved. He also cautions listeners not to depend on inheritances, but instead to build independent financial security through retirement planning, tax-smart investing, and disciplined money management.

In the July 26, 2025 episode of The Roy Matlock, Jr. Money and Business Hour, Roy delivers a foundational guide to building financial success from the ground up—perfect for young adults, newlyweds, new parents, or anyone rebooting their financial life. He outlines a practical, step-by-step roadmap that includes increasing income, budgeting, smart saving, strategic insurance, and avoiding common mistakes that cost hundreds of thousands over a lifetime. With Roy’s personal stories and straightforward approach, this episode provides timeless advice on how to build a secure financial future.

In the July 19, 2025 episode of The Roy Matlock, Jr. Money and Business Hour, Roy breaks down the key financial habits and strategies that separate the wealthy from the average person. Drawing from over four decades of experience, Roy walks listeners through ten foundational money principles, covering savings, investing, debt management, diversification, insurance, estate planning, and more. He also dives into essential business owner strategies, highlighting common pitfalls and proactive planning methods for long-term success. This episode is a comprehensive financial blueprint for anyone serious about building wealth and securing financial independence.

In the July 5, 2025 episode of The Roy Matlock, Jr. Money and Business Hour, Roy delivers a rapid-fire rundown of financial fundamentals aimed at helping listeners take immediate control of their money. Covering the essentials of building a solid defense and a strategic offense, Roy walks through his GPS framework—Goal, Plan, and Schedule—emphasizing the importance of budgeting, emergency funds, eliminating bad debt, and protecting assets through smart insurance planning. This episode offers actionable advice for anyone ready to stop being broke and start building wealth.

The June 14, 2025 episode of The Roy Matlock, Jr. Money and Business Hour is focused on the “getting started” stage of financial planning—particularly for young adults, recent graduates, and anyone with less than $100,000 in savings. Roy provides an energetic and actionable roadmap for those looking to build their financial foundation. From income growth and budgeting to proper insurance coverage and strategic investing, the episode emphasizes starting early, automating finances, and working toward a “do-nothing money” milestone of $100K in investments.