Working Wealth Podcast

Many people believe making more money will solve their financial problems.

But in reality, higher income often hides financial issues instead of fixing them.

In this episode of The Working Wealth Podcast, Patrick Rogers and Trevor Rasmussen discuss why so many people earning strong incomes still feel financially stuck.

They break down how lifestyle creep happens, why money can feel “spoken for” before it ever reaches your account, and how creating financial margin can dramatically change your financial future.

The conversation also covers simple systems that help people regain control of their finances — including micro-goals, better cash-flow awareness, and structuring accounts intentionally.

If you feel like you should be further ahead financially despite earning good money, this episode will help explain why — and what to do about it.

To connect with Patrick, visit planwithpatrick.com or follow us on Instagram at @smartprogvl

Tax season is here — and most people are reacting instead of planning.

In this episode, Patrick sits down with CPA Jonathan Godwin to break down what proactive tax planning actually looks like for small business owners and everyday W-2 earners.

If you're filing taxes right now, this conversation may save you thousands.

They cover:

• Why tax planning should happen year-round — not just during tax season

• How small business owners avoid surprise $40,000 tax bills

• Why tax refunds are NOT “bonuses” — they’re math

• The hidden danger of ignoring your W-4 and paycheck withholding

• How being close to the next tax bracket creates planning opportunities

• The truth about the new overtime deduction

• Why “no tax on Social Security” was misunderstood

• How upcoming sunset tax laws could change everything

Most people only think about taxes for a few weeks every year.

The people who build wealth plan for them all year long.

If you're a business owner, overtime earner, retiree, or someone who simply wants fewer surprises this tax season — this conversation is for you.

To connect with Patrick, visit planwithpatrick.com or follow on Instagram at @smartprogvl

Why do so many high-income people still feel broke?

In this episode of the Working Wealth Podcast, Patrick Rogers and Trevor Rasmussen dive into a common problem they see in real client conversations — people making good money but still struggling to build real wealth.

A major part of the conversation focuses on investment opportunities and financial systems for self-employed individuals and business owners. When your income doesn’t come from a traditional paycheck, saving and investing requires a more intentional strategy. Patrick and Trevor break down how entrepreneurs can create structure around their money so that taxes, investing, and long-term wealth building happen automatically.

They also discuss why many self-employed people fall into the trap of spending what they earn instead of building systems that consistently move money toward the future.

In this episode, they cover:

• Why high income doesn’t automatically lead to wealth

• The biggest financial mistake many self-employed professionals make

• How business owners can create systems for taxes, investing, and savings

• Why separating accounts and building intentional money flows matters

• How to think about investing when your income is variable

• The mindset shift required to move from earning money to building wealth

If you're self-employed, a small business owner, or someone with irregular income, this conversation will help you think differently about how to structure your finances and take advantage of the opportunities available to you.

Trying to wait for the perfect moment to invest is one of the most expensive mistakes people make. In this episode, Patrick Rogers and Trevor Rasmussen break down why time in the market consistently beats timing the market, how real wealth is built through owning productive businesses, and why diversification matters more than ever in today’s market.

We also cover the dangers of get-rich-quick investing, the concentration risk of the “Magnificent Seven,” how inflation quietly erodes cash, and the simple framework that actually works: create margin, invest consistently, and let time do the heavy lifting. To connect with Patrick, visit planwithpatrick.com or follow on Instagram at @smartprogvl.

Saving for education sounds simple — until taxes, account types, and rules get involved.

In this episode, we break down how education savings really work, including 529 plans, taxable accounts, and the tax treatment behind each option. We explain what’s actually tax-free, what’s tax-deferred, and where people commonly get confused.

If you’re saving for a child’s education — or planning to — this episode will give you clarity and help you avoid costly mistakes. To connect with Patrick, visit planwithpatrick.com or follow on Instagram at @smartprogvl.

If you work for the state of South Carolina, are a teacher, law enforcement officer, or public employee — you need to understand how your retirement benefits actually work.

In this episode of The Working Wealth Podcast, we break down the South Carolina Retirement System (SCRS), the Police Officers Retirement System (PORS), vesting rules, pension calculations, and the Deferred Retirement Option Program (DROP).

We discuss:

• How SCRS and PORS calculate your pension

• When you become vested

• How service credit impacts your benefit

• How DROP works

• Survivor benefit considerations

• Whether rolling funds into an IRA ever makes sense

• Why your pension should not be your only retirement strategy

Your pension is powerful — but it’s just one piece of your overall retirement income plan.

If you’re planning to retire in South Carolina, this episode will help you avoid costly mistakes and make more confident decisions.

To connect with Patrick, visit planwithpatrick.com or follow on Instagram at @smartprogvl.

In this episode, Patrick sits down with Katie Riegel for a raw, practical look at what it really takes to build a business that lasts. From navigating impostor syndrome to raising her prices, setting better boundaries, hiring help, and learning to trust her instincts, Katie opens up about the exact steps and the uncomfortable conversations that helped her go from uncertain to unstoppable.

You’ll hear Patrick dig into the turning points, mindset shifts, and strategy changes that shaped Katie’s growth, plus the simple habits that helped her build a business that serves her clients and her life.

If you’re a business owner trying to scale, simplify, or find clarity again, this conversation hits home.

In this episode, Patrick sits down with Trevor for one of the clearest, most practical conversations on retirement planning you’ll ever hear. Together, they unpack the real differences between Roth and Traditional accounts, how taxes impact your long-term wealth, and when a Roth conversion actually makes sense.

Trevor breaks the topic down in a way that finally makes the entire system understandable — from how paycheck contributions really work to why Roth dollars can become your greatest financial superpower. Patrick asks the questions most investors never think to ask, and the result is a simple, strategic guide to making better decisions with your money.

If you want confidence in your retirement plan and a deeper understanding of how to keep more of your wealth, this episode is essential listening.

In this episode of the Working Wealth Podcast, Patrick Rogers sits down with his close friend and mentor, Derek, to explore what it really means to grow as both a financial advisor and a business owner. From lessons in mentorship to the realities of building a successful advisory practice, Patrick and Derek share candid stories and actionable insights.

Whether you’re in financial services, running your own business, or simply seeking clarity in your wealth-building journey, this conversation will inspire you to think bigger about growth, leadership, and the impact you can have.

What if stewardship isn’t just about money — but every part of your life?

In this episode of The Working Wealth Podcast, Patrick Rogers sits down with Jason Malone, Directional Pastor at Fellowship Greenville, to talk about what it really means to live as a faithful steward. From church planting and leadership to money, time, health, and purpose — Jason shares how true stewardship is about managing everything God has entrusted to us.

They explore how faith shapes financial decisions, why balance isn’t always the goal, and how our approach to work, family, and money can become an act of worship.

Key Takeaway:

Stewardship isn’t about giving something up — it’s about aligning what you’ve been given with who gave it to you.