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Did you leave a 401k at an old job? Is your rollover IRA sitting in cash?
Are you scared to invest because the market feels “shaky”?

You’re not alone.

In this episode of The WI$E Retirement Podcast, we break down:

• What a rollover IRA really is
• Roth vs Traditional IRA explained
• What happens when your retirement money sits in cash
• How to find a lost 401k
• Why most investors earn 3% instead of the market’s 10%
• Poor mindset vs rich mindset when it comes to investing

If you’ve said, “I should’ve started 10 years ago,” this episode is for you.

00:00 Introduction to the Wiser Retirement Podcast
01:44 Understanding Rollover IRAs
03:36 Client Stories and Options for IRAs
05:44 Defining Rollover IRAs
07:57 Investment Strategies and Risk Tolerance
10:28 The Importance of Financial Advisors
13:56 Finding Lost Retirement Accounts
19:04 Accessing Money in Annuities and Money Markets
21:27 Investment Advice for New Entrants
22:52 Self-Employment and Retirement Options
27:18 Final Thoughts and Encouragement

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#RetirementPlanning #financialplanning #retirementtips #wealthmanagement #Retirement #Investments #401k #Rollover #Retirement 

 Getting out of debt isn’t about motivation. It’s about structure.

Financial Well-being Coach, Reginald Clark breaks down his 5 Agents of Change framework, a step-by-step system designed to help you:

✔ Acknowledge where you are financially
✔ Take accountability without shame
✔ Analyze your numbers clearly
✔ Make strategic adjustments
✔ Build lasting financial stability

If you feel stuck in debt and don’t know where to start, this episode gives you the blueprint.

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CHAPTERS
00:00 Introduction to Financial Change Framework
01:19 The First Agent: Acknowledgement
05:53 The Second Agent: Accountability
18:52 The Third Agent: Analysis
28:09 Understanding Financial Realities
29:57 The Impact of Family Dynamics on Finances
32:39 The Importance of Credit Scores
34:27 Generational Knowledge Gaps in Financial Literacy
37:31 Building a Strong Financial Foundation
38:08 Making Necessary Adjustments
42:41 Taking Action for Financial Change
43:54 The Ongoing Nature of Financial Management
45:57 Estate Planning Essentials
48:39 Controlling Your Financial Future
49:09 Financial Planning for Life Events
49:11 Understanding Financial Needs vs. Wants
50:48 The Importance of Professional Guidance
52:13 Accountability in Financial Management
53:58 Transformative Client Experiences
57:32 Real-Life Success Stories
59:14 Encouragement for Change 

📌 Join our FREE newsletter to get quick episode highlights, action steps, and resources at https://www.thewiseretirement.com/.

What’s the difference between saving money and building wealth? In this episode of The WI$E Retirement Podcast, Marcus Faison explains the correct order: save first, then invest — with intention and discipline.

You’ll discover:
Why savings are the foundation (not the finish line)
How to transition from saving to investing
The role of compound growth in retirement planning
Why small, consistent steps beat big, risky moves

Whether you’re just getting started or rethinking your retirement strategy, this episode offers clarity and confidence.

If you're rebuilding your credit, here are the exact steps Harriet used to go from the 600s back into the 800s — and grow her business along the way.

✔ Dispute errors
✔ Pay on time
✔ Stay under 1/3 usage
✔ Pay twice per month
✔ Build confidence + get a coach

These steps work. Save them.

CHAPTERS
00:00 Introduction to Harriet's Journey
03:18 The Birth of a Nutrition Business
04:49 Overcoming Early Struggles
07:01 The Role of Financial Literacy
10:09 Building Credit Confidence
12:29 Transforming Credit Habits
16:42 Day-to-Day Money Management
18:01 Establishing Business Credit
19:50 Advice for Rebuilding Credit
22:19 Teaching Financial Literacy to the Next Generation
25:17 Final Thoughts and Encouragement

#creditrebuilding #CreditScoreTips #MoneyEducation #FinancialHealth #CreditRepair

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In today’s economy, relying on one stream of income is risky—even for high earners. That’s why in this episode of The WISE Retirement Podcast, Angela K. Walker and Reginald Thornton sit down with Kenneth Pressley of Pressley Tax Services to break down exactly how everyday people can create profitable second, third, and even fourth streams of income.

From selling on eBay, medical courier work, flipping properties, and investing in other people’s businesses, Ken shares real, practical, beginner-friendly steps to building extra cash flow—no degree or big money required.

CHAPTERS
00:00 – Why extra income matters in today’s economy
00:31 – Welcome to the Wise Retirement Podcast
01:11 – Ken’s first income stream at age 16
04:20 – Starting his first business in college
05:51 – How to identify your next income stream
06:26 – The rise of the medical courier business
08:22 – The biggest hurdles: fear, creativity, commitment
09:20 – Real estate, flipping, and code requirements
11:29 – Why having a trusted team + mentor matters
12:04 – Easy ways to start earning extra income this week

#sidehustle #multiplestreamsofincome #extracash #gigeconomy

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Listen to Steve Shumpert's, No gimmicks. No lottery win. Just a solid plan for getting out of debt faster!

Steve shares his real-life journey of paying off $75K in debt in just 15 months — and the mindset shifts that made it possible.

Steve is a Financial Advisor with Edward Jones.

CHAPTERS
00:00 Introduction to Financial Wellness Journey
01:44 Steve's Wake-Up Call: From Debt to Awareness
04:27 The Path to Debt Freedom: Strategies and Mindset
07:05 Understanding Different Types of Debt
10:01 The Importance of Budgeting and Intentional Spending
13:02 Transitioning from IT to Financial Advisor
15:29 Helping Others: Coaching and Financial Guidance
18:37 Behavioral Aspects of Debt Management
21:12 Creating a Cash Flow Spending Plan
23:53 Practical Steps for Financial Awareness
26:34 Conclusion and Encouragement for Listeners

#DebtFreeJourney #WiseRetirementPodcast #FinancialFreedom #MoneyMotivation #DebtPayoff

Are your values aligned with your spending habits? 

If planning for retirement feels overwhelming or emotionally loaded, this conversation is for you. Join hosts Angela and Reg as they chat with Jack Howard, Head of Money Wellness at Ally, about building a healthy money mindset and relationship with money — not just in numbers, but in beliefs, behavior, and self-worth. In this episode, we cover:

✅ The four workshops in the Money Roots curriculum
✅ How to use your values + history to shape better financial habits
✅ When to automate vs. personally managing finances
✅ Emotional tools to reduce money stress

Whether you're starting late or just need a reset, this episode gives you the mental, emotional, and tactical foundation to move forward.

CHAPTERS
00:00 Introduction to Financial Wellness
02:54 Jack Howard's Journey in Financial Wellness
05:48 Understanding Money Roots Program
08:45 The Importance of Money Mindset
11:58 Shifting from Scarcity to Abundance Mindset
14:46 Generational Perspectives on Money Mindset
18:01 Practical Steps to Address Financial Anxiety
20:42 Leveraging Technology for Financial Management
23:52 Automation vs. Manual Management of Finances
31:03 Understanding Money Trauma
35:58 The Importance of Conversations About Money
41:28 Aligning Values with Financial Decisions
45:42 Concrete Steps Towards Financial Wellness
47:57 Resources for Financial Growth

#moneymindsetmotivation  #financialwellness #RetirementPlanning #HealingYourMoneyStory #MoneyAnxiety #moneyhabits

Join our free newsletter to get highlights and action steps from this show, https://www.thewiseretirement.com/.

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📌 Get The WI$E Retirement Journal on Amazon: https://www.amazon.com/dp/B0FSDPK8K9

Prosperity begins in the mind and ends in the purse. In this episode of The WI$E Retirement Podcast, Dr. Dennis Kimbro—bestselling author of Think and Grow Rich: A Black Choice and The Wealth Choice—shares the millionaire mindset and habits that create wealth, even if you’re starting late.

Learn how to:
✅ Make every dollar your employee
✅ Leverage compound interest for lifelong income
✅ Shift your mindset from survival to prosperity
✅ Build habits that create generational wealth

Don’t just chase money—learn the wise, productive use of money.

CHAPTERS
00:00 The Power of Mindset in Wealth Building
02:53 Dr. Kimbro's Journey and Insights on Wealth
04:48 Understanding the Wealth Gap and Community Economics
07:38 Budgeting and Financial Discipline
07:59 Stories of Wealth from Humble Beginnings
08:47 The Importance of Mindset in Wealth Creation
11:38 Creating Generational Wealth at Any Age
12:57 Morning Routines and Success Habits
13:22 Understanding Wealth Among Black Millionaires
15:07 The Importance of Mindset and Habits
16:13 Goal Setting and Affirmations
18:59 Defining True Wealth
19:27 The Future of African Influence
19:53 Taking Responsibility for Change

Are you over 50 and worried you don’t have enough saved for retirement? You’re not alone — but here’s the good news: it’s never too late.

In this launch episode, Certified Financial Planner Melissa Caro joins us to reveal:

✅ Why starting small (even $25/month) can spark real financial momentum
✅ How to fight back against “💸 Bill Creep” that steals your money
✅ The 3 first steps to catch up on retirement savings without feeling overwhelmed

00:00 Introduction to Financial Wellness
04:59 Understanding Retirement Preparedness
07:27 Real-Life Success Stories
10:23 The Importance of Financial Assessment
13:13 Identifying and Eliminating Unnecessary Expenses
15:52 Strategies for Debt Management
18:59 Creating a Purposeful Spending Plan
21:46 Conclusion and Next Steps
27:14 New Chapter

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Hit the Notifications button so you don't miss Part 2!

Join hosts Angela Walker and Reg as they share how The WI$E Retirement Podcast got started. WISE stands for Wellbeing, Investing, Saving, and Earning, covering everything from money mindset to purpose-driven spending.

Whether you’re 40+, planning for your future, or want to create generational wealth for your family, this podcast is for you!

In this trailer, Angela and Reg talk about:

✅ How they started this podcast to help themselves and others

✅ The importance of financial planning & mental preparation

✅ Lessons learned from decades of friendship and money experiences

✅ How to make budgeting feel empowering instead of stressful

💡 Tune in, tune up, and take control of your money!

🔔 Subscribe and hit the notification bell so you never miss an episode.

Follow along and start planning your WI$E retirement today!