Has your 40th birthday come and gone, and something finally triggers you to the sobering realization that you should have started saving in your twenties? So, now what? It's never too late to begin retirement saving. And the sooner you start saving for retirement, the better it will be down the road. But you may not be able to do it yourself. In this episode of The Money and Business Hour, Roy Matlock Jr. continues to shares his advice on how to navigate the process of retirement planning when you've started late.

Has your 40th birthday come and gone with little to no retirement savings to speak of? So, now what? It's never too late to begin retirement saving. And the sooner you start saving for retirement, the better it will be down the road. But you may not be able to do it yourself. In this episode of The Money and Business Hour, Roy Matlock Jr. shares his advice on how to navigate retirement planning when you've started late.

In a lifetime, the average person might face a wide variety of financial problems. Trouble can be compounded due to the avoidance or a distaste for budgeting. From there, additional issues may bloom, that can have serious snowball effects. In this episode of The Money and Business Hour, Roy Matlock Jr. explains how the key to getting out of financial trouble might be as simple as taking the time to identify the source of the problem, and how you can begin to fix it from there by taking control of your finances.

Is your goal to become financially independent? More than 80% of self-made millionaires in America began with nothing or in many cases, less than nothing. In this episode of The Money and Business Hour, Roy Matlock Jr. explains how to beat the odds and achieve financial independence so you can retire wealthy.

If you're ready to start preparing for your first meeting with a financial advisor: congrats! You're taking a big step in the right direction! It’s no secret that many Americans feel clueless and helpless about retirement. If you don't have a solid plan, you could be left with an uncomfortable retirement that leaves you strapped for income, and even worse- dependent on your children. Meeting with a financial advisor can help you to turn the tables and live the retirement of your dreams. In this episode of The Money and Business Hour, Roy Matlock Jr. explains how to prepare for your financial advisor meeting and what to expect. If you’ve never sat down with a financial planner before, that first step can feel intimidating, but Roy can help ease your anxiety with these very helpful tips.

With the advent of smartphone technology, how people live, work, and spend money has changed dramatically over the past decade. With the existence of hyper-connection via social networks, there has been an increase in communication, and this has opened new ways to make and spend money. Picking up a gig online (gig: temporary work engagement) can be as easy as making plans for coffee or finding a date. The recently coined “gig economy” is altering the way that people view and perform work, and in this episode of The Money and Business Hour, Roy Matlock Jr. explains how it could affect you.

When you lack financial security, a scarcity mindset can set in. The scarcity mindset is when one feels there is never enough of specific items, like money, to go around. This is a very negative state of mind. If  you find yourself thinking like this, it's important to do everything you can to move into an abundant mindset. On this episode of Roy Matlock Jr.'s Money and Business Hour, Roy discusses how to have an abundant mindset and shoot for the goal to become a "2 Percenter." A "2 Percenter" is someone that earns at least $300,000 a year. Tune in to shift your mind in the right, and positive, direction- because anyone, including you, can become a "2 Percenter".

The key to financial success is investing. If you don't invest to build a nest egg, or to set and reach financial goals, then you'll have nothing to show for a lifetime of hard work. But, you don't want to invest your money just anywhere. You need to be wise about what you invest in so you can grow your wealth and become free financially. To make sure you invest the right way, Roy Matlock Jr. has shared the 3 Ds of investing in this episode of The Money and Business Hour.

Retirement planning is a crucial part of our financial life. Each year we have a chance to build up savings to ensure the future. Whether your future plans include the desire to travel, to save for your children, or someday make that move to your dream destination, it all requires some forethought. In this episode of The Money and Business Hour, Roy Matlock Jr. explains how to accomplish your goals by creating a retirement action plan.

Over your lifetime, financial planning can feel and look like a series of course corrections. You can't be expected to know all the choices and life changes you will face. And typically, in a moment of choice is when you need financial wisdom the most. In this episode of The Money and Business Hour, Roy Matlock Jr. explains how your choices in life will ultimately lead you to achieve your goals and the things that are important to you. Some choices are irreversible and some can be undone, but it is your choices that will give you your quality of life.