⏱ Episode Timeline 
00:00 – Introduction: Money in, Money Out in the AI Era
01:45 – Why Technology Speeds Up Everything Except Financial Discipline
03:00 – Reframing the “Spend Money to Make Money” Mindset
05:30 – Annuities vs. Dividend & Blue-Chip Strategies
07:00 – The 401(k) Problem: Why Most People Don’t Check It
09:00 – IRAs, Tax Write-Offs, and Business Structures
12:00 – Understanding HSAs and Long-Term Health Strategy
14:00 – Chris’s Transition: Pharmaceutical Career to Entrepreneurship
17:30 – Franchising, Ownership, and Scaling H&R Block Locations
21:00 – The Shift from Employee to Business Owner
23:30 – Duplicating Systems Across Multiple Locations
26:00 – Community Wealth, Financial Conversations, and Money Blocks
29:00 – The 70/30 Investment Rule Explained
31:00 – Teaching Youth and Families Financial Literacy

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