Shows
Last PaycheckHow to Enjoy and Spend After a Lifetime of Saving for RetirementWhen do you start spending in retirement? And more importantly, how do you even begin? Many retirees face an unexpected challenge: shifting from being a meticulous saver to being a confident spender. On today's episode, CFP Professionals Rob Hoxton and Archie Hoxton discuss exactly how they can help you do just that. They explore why making the transition can feel so daunting, discussing habits formed over a lifetime, fears about market volatility, and the lingering anxiety of running out of money, even when sound planning shows otherwise. Rob and Archie offer practical advice...
2025-11-1216 min
Last PaycheckSocial Security and Medicare Changes: What the Latest 2026 Adjustments Mean for Your RetirementIn this episode of the Last Paycheck Podcast, CFP Professionals Archie Hoxton and Rob Hoxton break down the latest updates on Social Security's cost-of-living adjustment (COLA) and what it means for retirees. They explore how the COLA is calculated, why the numbers might surprise you, and how rising Medicare premiums and taxes can take a big bite out of those increases. Additionally, there could be a danger of becoming subject to taxes since the floor at which you become subject to the taxes has not been increased along with the benefit amount. The conversation highlights th...
2025-11-0518 min
Last PaycheckYou Could Be Missing Thousands! How to Find Your Lost 401(k)In this episode of The Last Paycheck Podcast, CFP Professionals Rob Hoxton and Archie Hoxton tackle a major financial problem: forgotten 401(k) accounts. 🚨 💡 Did you know there are over 32 million lost 401(k)s worth nearly $2 trillion in unclaimed retirement savings? Rob and Archie explain why so many people leave old accounts behind, the hidden costs of doing nothing, and how you can track them down before it's too late. In this episode, you'll learn: ✅ Why 401(k)s get "lost" when you change jobs ✅ How to find old retirement accounts using federal databases ✅ Smart record...
2025-10-2216 min
Last PaycheckTaking Time Off Work Strategically: Sabbatical Planning Tips from CFP ProfessionalsAre you thinking of taking a sabbatical or carreer break? CFP Professionals Rob and Archie Hoxton walk through what that looks like in this week's episode of Last Paycheck. Whether you're contemplating a mid-career break for personal growth, burnout recovery, further education, or a major life pivot, Rob and Archie dive into the crucial planning considerations you need to address. They discuss the financial impact of a sabbatical, including how to manage income gaps, health insurance, retirement savings, and key benefits that may be lost during time away from work. Drawing on their expertise in financial planning...
2025-07-3017 min
Last PaycheckAre Your Money Habits Your Parents' Fault? Understanding Financial BaggageIn this episode of the Last Paycheck Podcast, CFP Professionals Rob and Archie Hoxton dive into the roots of our financial habits by exploring the concept of "money scripts"—the core beliefs about money we pick up in childhood. Take your money script inventory: https://www.bradklontz.com/moneyscriptstest They discuss how these early experiences and family influences can shape our approach to saving, spending, and investing throughout life. Using both personal anecdotes and research-backed insights, Rob and Archie break down the four main money scripts: money avoidance, money worship, money status, and money vigilance. They...
2025-07-0919 min
Last PaycheckShould You Take Social Security Early? 5 Surprising Reasons to Consider ItIn this week's episode of Last Paycheck Podcast, CFP Professional Archie Hoxton and financial advisor Jimmy Sutch tackle one of retirement's biggest questions: Should you take Social Security early? Archie and Jimmy break down the conventional wisdom around delaying benefits and offer fresh insight into five key reasons why claiming early might be right for you. They explore factors like health, income needs, legacy planning, concerns about Social Security's future, and unique strategies for couples with different benefit amounts. They emphasize that Social Security decisions are highly personal—what works best depends on your financial picture, life exp...
2025-06-1116 min
Last PaycheckIs Long Term Care Insurance Worth It? Pros and Cons as You AgeWelcome to the 100th episode of the Last Paycheck Podcast! CFP Professionals Rob Hoxton and Archie Hoxton celebrate with viewers and dive deep into the crucial topic of long-term care insurance. The hosts share statistics from the U.S. Department of Health and Human Services, revealing that 70% of adults over age 65 will need some form of long-term care. Rob and Archie break down what long-term care insurance is, identify common trigger points for needing it, and guide listeners through key scenarios where having coverage could be essential—such as having no close family support or wanting to pro...
2025-06-0417 min
Last Paycheck5 Reasons You Should Retire EarlyHave you ever wondered if retiring before 65 or 70 is the right move for you? In this week's episode of the Last Paycheck Podcast, CFP Professionals Rob Hoxton and Archie Hoxton dive into the hot topic of early retirement. The hosts share five compelling reasons why you should consider hanging up your work boots ahead of schedule, from regaining valuable time and prioritizing your health, to safeguarding your financial future in an ever-changing job market. They also discuss the benefits of phased retirement and the importance of retiring to something, not just from something, to ensure a fu...
2025-05-2816 min
Bitcoin Archive w ArchieBITCOIN: Market Cycles, ETFs, and Nation State Adoption | Willy Woo x Archie Podcast | E004 Y25In this episode I sit down with Willy Woo. Willy is a prominent Bitcoin analyst and investor, with over one million followers on X, we discuss Bitcoin community, market cycles, risks, adoption, and toxicity in the space. You can follow Willy on X:https://x.com/woonomic - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - -TIMESTAMPS05:57 The Rise of Influencers in Bitcoin11:55 The Challenges of Self-Custody18:04 Smart vs. Stupid...
2025-05-223h 11
Last PaycheckHow to Find Meaning and Purpose in Retirement: Smart Giving Strategies and Living Well☎️ Questions? Call or text Rob and Archie at 304-876-2619 or reach them at https://www.hoxtonpm.com 🗓️ If you'd like to chat with Rob or Archie further, please schedule a consultation: https://calendly.com/archiehoxton/last-paycheck-consultation In this episode of Last Paycheck Podcast, CFP Professionals Archie Hoxton and Rob Hoxton dive into the important topic of making your retirement truly meaningful. They explore how retirees can find purpose after their final paycheck by shifting focus from work-related achievements to new sources of fulfillment. The discussion covers practical strategies for creating impact in retirement, including giving bac...
2025-05-2117 minLast PaycheckRelationships and Money: Aligning Goals, Values, and HabitsWelcome to the Last Paycheck Podcast! CFP Professionals Archie Hoxton and Rob Hoxton tackle the vital topic of financial alignment in relationships. Drawing from their experience working with couples, they discuss why communicating about money is essential and how early financial memories can shape each partner's attitudes. They dive into common friction points, such as debt, spending differences, risk tolerance, and financial infidelity, and explore practical ways to overcome these challenges. They also highlight the importance of both partners participating in financial planning and suggest when to seek help from neutral third parties like financial planners or t...
2025-05-1416 min
Last PaycheckDIY Retirement Planning: Common Pitfalls and When to Hire a Financial PlannerIn this episode of the Last Paycheck Podcast, CFP Professionals Rob and Archie Hoxton tackle the increasingly popular topic of DIY retirement planning. They explore the advantages of taking a do-it-yourself approach, such as potential cost savings and the satisfaction of managing your own finances. However, the hosts also highlight the pitfalls that many DIY-ers face, including gaps in tax planning, investment management, and the risk of missing out on critical strategies like Roth conversions. Drawing from real-life examples and years of experience, Rob and Archie illustrate how failing to account for long-term tax impacts can have l...
2025-05-0715 min
Last PaycheckFinancial Spring Cleaning Tips to Organize Your Money for a Stress-Free YearIn this week's episode of the Last Paycheck Podcast, CFP Professionals Rob Hoxton and Archie Hoxton help you "spring clean" your finances. Using the momentum of tax season, they guide listeners through practical steps for getting organized and tackling financial clutter. Rob and Archie break down how to review your spending, manage subscriptions, consolidate accounts, and improve your password security. They share insights into why keeping too many accounts and unused subscriptions can cost you money and complicate tax time, plus tips for safeguarding against fraud and checking credit reports. The hosts also discuss the importance of r...
2025-04-3016 min
Last PaycheckWant to Retire Early? Key Challenges and Strategies You Need to KnowIn this episode of the Last Paycheck Podcast, CFP Professional Archie Hoxton and Financial Advisor Jimmy Sutch dive into the topic of early retirement. They debunk the misconception that retiring early shares the same planning approach as traditional retirement. They emphasize the importance of a well-thought-out plan and discuss the substantial challenges that come with retiring young, such as the need for a larger nest egg, a reliable withdrawal strategy, and considerations for healthcare. Archie and Jimmy also touch upon essential aspects of financial planning like the 4% rule and the intricacies of accessing retirement funds at different a...
2025-04-2318 min
Last PaycheckSix Mistakes to Avoid When You Inherit MoneyWelcome to the Last Paycheck Podcast! Today, CFP Professionals Rob and Archie Hoxton discuss the common mistakes to avoid when inheriting money. With a massive generational transfer of wealth underway, it's crucial to prepare for the unique challenges that come with windfalls. They highlight the dangers of treating an inheritance as "found money" and emphasize the importance of having a disciplined financial plan. They also delve into the potential tax consequences and the emotional decisions that can arise. The episode covers practical advice on how to integrate unexpected funds into your financial plan, the impact on tax o...
2025-04-0918 min
Last Paycheck5 Retirement Risks & The Key to Lasting Financial SecurityWelcome back to the Last Paycheck Podcast, CFP professionals Rob and Archie Hoxton dive into the crucial topic of retirement risks. They break down five significant risks retirees need to be aware of: investment risk, inflation, taxes, Medicare premiums, and longevity risk. With investment risk at the forefront, they discuss the importance of balancing risk and reward to ensure your investment income outpaces inflation, thus preserving purchasing power. Rob and Archie also explore how inflation and taxes can dramatically impact your retirement finances, emphasizing the necessity of proactive planning. The episode highlights the concept of the "tax t...
2025-03-2616 min
Last PaycheckFinancial Freedom: Essential Tips to Remove Barriers and Build Lasting WealthWelcome to the Last Paycheck Podcast! Today, CFP professional Archie Hoxton and Financial Advisor Jimmy Sutch dive deep into the common hindrances people face when trying to accumulate wealth. They start by defining wealth, highlighting that it encompasses financial stability, time, health, and relationships. Then they explore how debt, especially when invested in depreciating assets like vehicles, can cripple wealth-building efforts. Archie and Jimmy underscore the significance of making sound investment decisions and the pitfalls of emotional market timing. They also address the financial implications of life events like divorce and raising children and delve into the i...
2025-02-2616 min
Last PaycheckPrepare Now to Make Taxes Less TaxingIt's time to start thinking about tax season! In this episode of the Last Paycheck Podcast, CFP Professionals Rob Hoxton and Archie Hoxton delve into the often dreaded but unavoidable topic of tax preparation. With the April 15th filing deadline looming, they offer valuable insights to ensure this annual chore is as stress-free and efficient as possible. Rob and Archie discuss the various options for preparing taxes, from the challenges of self-preparation to utilizing online tools like TurboTax, and the benefits of enlisting a professional CPA, especially amid a shortage of tax preparers. They emphasize the importance o...
2025-02-1918 min
Last PaycheckTax-Free Growth & Life Satisfaction: Real Money TalkWelcome back to the Last Paycheck Podcast! CFP Professionals Rob and Archie Hoxton dive into the world of viral financial advice videos. They start by reacting to a video discussing the importance of setting up a Roth IRA, highlighting the benefits and clearing up misconceptions. Rob and Archie debunk erroneous claims about tax penalties and emphasize the advantages of tax-free growth within a Roth IRA. They discuss practical rules for Roth IRA withdrawals, ensuring listeners understand the various conditions to access their funds penalty-free. Additionally, the hosts touch on the best and worst financial advice featured in a...
2025-02-0517 min
Last PaycheckHidden Threats to Your Retirement: Inflation, Healthcare, and Emotional InvestingWelcome to the Last Paycheck Podcast! CFP professionals Rob and Archie Hoxton delve into the often-overlooked risks that can threaten your financial stability in retirement. While many are aware of the commonly discussed threats, this episode sheds light on hidden landmines like inflation, healthcare costs, long-term care, and the mistakes driven by emotional investing. Rob and Archie explain how these risks can erode your purchasing power and derail your financial plans, emphasizing the importance of sound portfolio construction and disciplined investing. They also offer actionable strategies to mitigate these risks, such as planning for inflation, choosing the r...
2025-01-2917 min
Last PaycheckStay Calm, Stay Invested: Strategies for Bear MarketsIn today's episode of Last Paycheck Podcast, CFP professional Archie Hoxton and Financial Planner Jimmy Sutch tackle the pressing concern of navigating bear markets. Archie emphasizes the importance of not panicking during market downturns and revisiting financial plans designed to withstand such fluctuations. They explain key concepts: market corrections, typically a 10% drop, occur annually, whereas bear markets, characterized by a 20% decline, happen every four to seven years. They highlight maintaining a consistent strategy and avoiding rash decisions like moving entirely to cash, which can be detrimental long-term. They also discuss adjusting distribution rates and recognizing bear markets a...
2025-01-2216 min
Last PaycheckCan Having a Financial Plan Help You Live Longer?In this episode of the Last Paycheck Podcast, CFP Professionals Rob and Archie Hoxton delve into the intriguing connection between financial planning and longevity. Inspired by a recent Wall Street Journal article, they explore how higher net worth and income can correlate with longer life expectancy. The discussion emphasizes the critical role of financial planning in affording better healthcare, healthier diets, and reduced stress, which collectively contribute to an extended lifespan. They navigate through the eye-opening research, uncovering alarming statistics about the US healthcare system and the financial challenges faced by many Americans. Tune in as Archie a...
2025-01-0814 min
Last PaycheckFinancial Resolutions that Stick in 2025Happy New year! In the first episode of Last Paycheck Podcast in 2025, CFP Professionals Rob and Archie Hoxton tackle the timely topic of New Year's resolutions—this time, with a financial twist. Tired of the usual "lose weight" promise, Rob explores more impactful financial goals. Archie suggests quick wins like bumping up your 401(k) contributions, setting up Roth IRAs, and establishing health savings accounts (HSAs). They also dive into more labor-intensive but crucial tasks. They emphasize the long-term benefits of automating savings and rebalancing investments, encouraging listeners to set and forget these pivotal actions. With actionable advice tha...
2025-01-0115 min
Last PaycheckHow to Handle Life Insurance and Annuities You No Longer WantIn this episode of Last Paycheck Podcast, CFP Professionals Rob and Archie Hoxton dive into a commonly faced financial dilemma: what to do with life insurance policies and annuities that no longer seem necessary. They explore a range of solutions, starting with simply retaining the policy, which could still fulfill vital financial needs. The discussion extends to potential pitfalls like surrender charges, market value adjustments, and tax implications for those considering canceling their policies. Rob and Archie also educate listeners on the tax-saving benefits of a 1035 exchange. Emphasizing the importance of informed decision-making and fiduciary advice, they a...
2024-12-2515 min
Last PaycheckCognitive Decline in Retirement: What You Need to Know to Safeguard Your FutureIn this week's episode of Last Paycheck Podcast, our hosts, CFP professionals Rob and Archie Hoxton, tackle the crucial yet often overlooked topic of cognitive decline in retirement. They explore how cognitive issues pose both health and financial risks, affecting decision-making abilities and financial stability. Rob and Archie emphasize the importance of proactive planning, such as appointing a durable power of attorney and consulting trusted advisors, to mitigate these risks. With personal anecdotes and practical advice, this episode serves as a comprehensive guide to safeguarding your financial well-being as you age. Tune in for essential tips to h...
2024-11-2016 min
Last PaycheckNavigating Overspending: Staying Within Your Means in a Tech-Driven WorldIn this week's episode of Last Paycheck Podcast, CFP professionals Rob and Archie Hoxton dive into the often-overlooked topic of overspending in today's frictionless financial landscape. Rob and Archie shed light on the complexities of staying within one's means, especially in an era where digital payment methods make it effortless to spend money mindlessly. They discuss how being mindful of your expenditures is crucial, particularly during retirement when income is fixed. They emphasize the significant impact of subscription services, contactless payments, and even digital pickpocketing on our financial habits. They also explore old-fashioned yet effective budgeting techniques...
2024-11-1316 min
Last PaycheckWhy the 2025 Social Security Cost of Living Increase is LowerIn this week's episode of the Last Paycheck Podcast, CFP Professionals Archie and Rob Hoxton delve into the recent announcement of the 2025 Social Security cost of living adjustment (COLA). Set at 2.5%, this figure has left many retirees concerned about its impact amidst rising prices. Archie and Rob discuss the calculation methods used by the Department of Labor, explaining how the Consumer Price Index for Urban Wage Earners (CPIW) determines these adjustments. They emphasize that while Social Security COLAs are beneficial, they are not sufficient to fully hedge against inflation's effects on retirees. They offer insights into delaying S...
2024-11-0615 min
Last PaycheckHow to Prepare for Medicare Open Enrollment with Expert Advice from Ben BulgrienIn this episode of the Last Paycheck Podcast, CFP professional Archie Hoxton hosts Medicare expert Ben Bulgrien from Kohorn Financial Group. Archie dives deep into the critical topic of Medicare open enrollment with Ben for their third discussion on this complex subject. They cover key aspects of reviewing and updating Medicare coverage, emphasizing the importance of evaluating prescription drug plans, Medicare Advantage plans, and understanding potential changes brought by the Inflation Reduction Act. Ben provides detailed insights into annual review processes, the implications of switching plans, and navigating medical underwriting. This episode is filled with practical advice o...
2024-10-3017 minLast PaycheckMaking Sense of Medicare: Picking the Right Plan for YouWelcome to the Last Paycheck Podcast, CFP Professionals Archie and Rob Hoxton welcome back Medicare expert Ben Bulgrien from Korhorn Financial Group for an insightful continuation on Medicare plans. The episode dives deeper into the diverse components of Medicare, including parts A, B, C, and D, as well as the various supplemental plans from A through N. Ben expertly breaks down the differences between Original Medicare and Medicare Advantage plans, emphasizing the critical decision factors such as cost, coverage, and flexibility. He also highlights the complexities of navigating plan networks and the potential long-term implications of choosing o...
2024-10-2416 min
Last PaycheckUpcoming Tax Changes - What You NEED To Know!In this week's episode of the Last Paycheck Podcast, CFP Professionals Rob and Archie Hoxton dive into the impending expiration of the significant 2017 tax law changes and their potential impact on taxpayers. With the 2025 sunset date looming, they highlight the importance of planning ahead for what could be a substantial shift in tax brackets, deductions, and estate planning rules. The episode covers the nuances of the marginal tax bracket adjustments, the reduction in standard deductions, and the return of personal exemptions. Rob and Archie also discuss the implications for small business owners, charitable giving, and estate planning t...
2024-10-0917 min
Last PaycheckDownsizing in Retirement: Sell or Rent?In this episode of the Last Paycheck Podcast, CFP Professionals Archie Hoxton and Rob Hoxton dive into the intriguing topic of whether downsizing your home upon retirement makes sense—or if it might be more beneficial to keep your current home and rent it out. They discuss the various financial and emotional aspects you need to consider. From understanding capital gains tax exclusions to dealing with the real-life challenges of being a landlord, Archie and Rob provide a comprehensive analysis. They highlight key factors such as the impact of inflation, mortgage rates, rental income, and property management. Tun...
2024-10-0215 min
Last PaycheckOwn Nothing, Rent Everything?If you'd like to chat with Rob or Archie further, please schedule a consultation: https://calendly.com/archiehoxton/last-paycheck-consultation In this week's episode of the Last Paycheck Podcast, CFP professionals Archie and Rob Hoxton talk about the concept of owning nothing and renting everything. They explore the lifestyle of individuals who have embraced full-time renting to maximize flexibility and minimize the burdens of ownership. They discuss various rental scenarios from everyday items like clothing and tools to larger investments like RVs and homes, weighing the advantages and potential drawbacks. Rob shares his personal experiences with rental tools an...
2024-09-0415 min
Last PaycheckNew Home Decisions: Buy Now or Wait?Welcome back to Last Paycheck Podcast, hosts and CFP Professionals Rob and Archie Hoxton talk about the complexities of the current housing market to answer the pressing question: should you buy a house now or wait? With interest rates significantly higher than in recent years and a limited supply of new homes, they explore how historical trends since the Great Recession have led to today's unique market challenges. They discuss the implications for both first-time buyers and those looking to downsize as they approach or are in retirement. Offering a blend of statistical insights and personal anecdotes...
2024-08-2816 min
Last PaycheckWhy You Shouldn't Stop 401K Contributions, Even During Tough TimesIn this week's episode of the Last Paycheck Podcast, hosts Archie and Rob Hoxton talk about the alarming trend highlighted in a recent Moneywise article by Maury Bookman: 46% of middle-class workers have reduced or stopped their 401K contributions due to inflation and high prices. Exploring the broader economic backdrop, they discuss how rising living costs and stagnant wages compel people to cut back on crucial retirement savings. They also emphasize the detrimental impact of growing consumer debt and the missed opportunities from halting contributions, such as losing employer matches and tax benefits. They highlight the long-term costs, i...
2024-08-2116 min
Last PaycheckInfinite Banking: Separating Fact from Fiction in the Be Your Own Bank ConceptIn this episode of the Last Paycheck Podcast, hosts Archie and Rob Hoxton react to a video promoting the concept of "infinite banking" or "be your own bank" using whole life insurance policies. The video creator makes claims about earning high returns and borrowing money for free. Archie and Rob break down these claims, explaining the differences between banks and insurance policies, and how policy loans actually work. They emphasize that while cash value life insurance has its place, it should be purchased for the right reasons, such as providing a permanent death benefit for loved ones w...
2024-08-1416 min
Last PaycheckLeaving Your Job? Here's What You Need to Know About Your 401(k)In this week's episode of the Last Paycheck Podcast, CFP Professionals Archie Hoxton and Rob Hoxton discuss the common mistakes people make when leaving a job and deciding what to do with their 401(k). They emphasize the importance of staying organized and informed to avoid costly errors. The hosts outline three main options: leaving the 401(k) with the former employer, withdrawing the funds (which can incur significant taxes and penalties), or rolling the balance into a new employer's plan or a rollover IRA. They highlight the potential pitfalls of each option, such as forgetting about the account...
2024-08-0717 min
Last PaycheckPresidential Election Year: Good or Bad for the Market?Welcome back to Last Paycheck Podcast! Hosts and CFP Professionals Archie Hoxton and Rob Hoxton explore the dynamic relationship between politics and the stock market, particularly during election years. Broadcasting from their brand-new studio at Hoxton Planning and Management headquarters, the duo debunk the myth that politics are a primary driver of market performance. They emphasize that while short-term market volatility may occur around elections, historical data shows that election years often yield positive market returns, irrespective of which party wins. With insights dating back to 1928, Archie and Rob demonstrate that maintaining a well-constructed, diversified portfolio and...
2024-07-3115 min
Last PaycheckAdvanced Roth IRA Strategies: Backdoor to Mega Backdoor StrategiesIn this episode of the Last Paycheck Podcast, hosts and financial planners Archie and Rob Hoxton dive deep into the world of Roth IRAs and 401(k) plans, exploring the benefits and strategies for building your Roth tax bucket. The discussion tackles the incredible story of Peter Thiel purportedly amassing $5 billion within a Roth IRA. Archie and Rob break down the fundamental differences between traditional and Roth IRAs, offering valuable insights into strategies like Roth conversions, backdoor Roth contributions, and even the mega backdoor Roth. They emphasize the importance of tax planning and knowing your options to maximize r...
2024-07-1716 min
Last Paycheck2025 Social Security Increase Announcement - Will You Get a Raise?In this week's episode of Last Paycheck Podcast, hosts and certified financial planners Archie and Rob Hoxton talk about the highly-anticipated topic of Social Security cost of living increases for 2025. They explore how these adjustments are calculated, focusing on the Consumer Price Index for Urban Wage Earners and Clerical Workers (CPI-W). Rob shares startling statistics about the reliance of nearly 40% of retired Americans on Social Security as their sole income source, emphasizing the importance of strategic planning. With insights into inflation's impact and asset management tips, the hosts provide valuable advice for maximizing Social Security benefits. Despite uncertainties, Archie...
2024-06-2616 min
Last PaycheckHealth Savings Accounts 101: Avoid These Common MistakesIn this week's episode of the Last Paycheck Podcast, hosts Archie and Rob Hoxton dive deep into Health Savings Accounts (HSAs), highlighting their unparalleled tax benefits and how they can be a powerful tool for future healthcare costs. Revisiting the basics and rules of HSAs, they draw clear distinctions between HSAs and Flexible Spending Accounts (FSAs). The episode emphasizes the importance of understanding qualified medical expenses, contribution limits, and the pitfalls of over-contributing or not investing HSA funds for growth. Archie and Rob discuss scenarios such as family vs. single coverage contributions and the penalties for misusing H...
2024-06-1915 min
Last PaycheckFinancial Advisors React: Good Tips and Bad PracticesOn today's episode of the Last Paycheck Podcast, hosts Archie and Rob Hoxton react to financial advice that they agree with online. The episode kicks off with a spirited discussion about a video featuring Caleb Hammer and a 40-year-old living with her mother, who struggles with financial independence due to frivolous spending habits. Archie and Rob dissect the harsh yet honest advice delivered by Caleb, emphasizing the importance of responsible financial decisions and the dangers of an entitlement mindset. The second half of the episode focuses on another clip featuring Dave Ramsey, where the topic shifts to...
2024-06-0517 min
Last PaycheckSpaving: Can Spending More Actually Save You More?In this week's episode of the Last Paycheck Podcast, certified financial planners Archie Hoxton and Rob Hoxton dive into the intriguing concept of "spaving"—the idea of spending more to save more that has roots in behavioral finance. Rob, inspired by an insomnia-induced CNBC article, discusses how spaving often leads consumers to spend more under the illusion of savings. They explore common scenarios, such as online shopping for free shipping, car upgrades, and credit card reward points, highlighting how retailers exploit these behaviors. While there are situations where spaving can be beneficial, Archie and Rob stress that it...
2024-05-2214 min
Last PaycheckCash or Credit: What's the Best Way to Buy a Car?In this week's episode of the Last Paycheck Podcast, hosts and certified financial planners Archie Hoxton and Rob Hoxton dive into the common dilemma of whether to buy a car with cash or finance it. They explore the pros and cons of both options, emphasizing the long-term financial impacts of financing, such as interest rates and the total cost over time. Archie and Rob criticize the common sales tactics that can lead consumers to spend beyond their means and discuss strategies to negotiate better deals at the dealership. They advise listeners on using financing as a negotiation tool, the...
2024-05-1516 min
Bob and Archie Talk Life in High TechBob and Archie Talk Life in High TechHow to be a Tech Writer – Part 2Bob and Archie talk about the expectations and opportunities as you grow your career as a writer.
2024-04-1731 min
Bob and Archie Talk Life in High TechBob and Archie Talk Life in High TechHow to be a Tech Writer – Part 1 Bob and Archie describe the paths you can take to become a tech writer, and the expectations of a new writer.
2024-04-1729 min
Bob and Archie Talk Life in High TechBob and Archie Talk Life in High TechBob is laid off and Archie takes early retirement -- Bob and Archie discuss the current state of the tech industry. Bob discusses his recent experience with losing his clients, and Archie discusses why he felt he needed to take early retirement.
2024-04-1758 min
Bob and Archie Talk Life in High TechBob and Archie Talk Life in High TechWork/Life Balance It's a tricky subject and has been for a long time. Bob and Archie discuss workloads, working smarter, and general work/life issues that they have encountered.
2024-04-1735 min
Bob and Archie Talk Life in High TechBob and Archie Talk Life in High TechBob and Archie discuss collaborating with other members of the project team and how it enhances product development.
2024-04-1744 min
Bob and Archie Talk Life in High TechBob and Archie Talk Life in High TechObstacles take many forms. Bob and Archie discuss racism, education, and other life and industry barriers that they faced and overcame.
2024-04-1733 min
Bob and Archie Talk Life in High TechBob and Archie Talk Life in High TechBob and Archie discuss changes we face in our careers, including moving to another company, as well as facing the dreaded layoff!
2024-04-1733 min
Bob and Archie Talk Life in High TechBob and Archie Talk Life in High TechNo one is perfect, especially Bob and Archie! They discuss the mistakes they made over time as learning experiences and growth.
2024-04-1736 min
Bob and Archie Talk Life in High TechBob and Archie Talk Life in High TechBob and Archie discuss how usability was addressed over time, their experiences, and how it became User Experience (UX) today.
2024-04-1734 min
Bob and Archie Talk Life in High TechBob and Archie Talk Life in High TechMore tales of toxic environments. Bob and Archie continue telling their stories of bad situations, poor decisions, and outrageous behavior.
2024-04-1730 min
Bob and Archie Talk Life in High TechBob and Archie Talk Life in High TechTales of toxic environments. Bob and Archie relate personal experiences of bad situations, poor decisions, and outrageous behavior.
2024-04-1728 min
Bob and Archie Talk Life in High TechBob and Archie Talk Life in High TechManaging yourself, your career and your boss. Bob and Archie discuss how they managed their careers to achieve their goals.
2024-04-1729 min
Bob and Archie Talk Life in High TechBob and Archie Talk Life in High TechThinking outside the box. Bob and Archie discuss being creative within the context of improving yourself and your company.
2024-04-1736 min
Bob and Archie Talk Life in High TechBob and Archie Talk Life in High TechBob and Archie introduce themselves and the purpose of the podcast series and define what is a technical writer.
2024-04-1315 min
Last PaycheckNew Market High Point… Should I Sell My Stock?In this week's episode of Last Paycheck Podcast, hosts Archie Hoxton and Rob Hoxton dive into the timely topic of stock market highs and whether it's the right time to sell stocks. As the market hits all-time highs, you might be wondering if it's a signal to divest. Archie and Rob provide insightful guidance, emphasizing the importance of assessing individual risk tolerance and investment timelines. They discuss the significance of stock price versus value, citing examples of overvalued stocks and the importance of diversification. They stress the need for periodic rebalancing and potential red flags such as an over-concentration...
2024-04-0316 min
Last PaycheckAre I-Bonds Still a Smart Investment in Today's Environment?In today's episode of Last Paycheck Podcast, hosts Archie Hoxton and Rob Hoxton delve into the topic of I bonds and their current attractiveness as an investment option. They provide a comprehensive discussion on the features of I bonds, including fixed and variable interest rates and their inflation-protecting nature. Archie and Rob highlight the historical trends of I bond interest rates, offering insights into how changing inflation levels impact their attractiveness as an investment. Additionally, they address the taxation and liquidity aspects of I bonds, providing a well-rounded analysis for potential investors. Watch on YouTube: https://youtu...
2024-03-2714 min
Last PaycheckInterest Rates Decoded: What to Expect in 2024In this episode of Last Paycheck Podcast, hosts Archie Hoxton and Rob Hoxton delve into the hot topic of interest rates and their potential impact on everyday people. They discuss the context of rising and falling interest rates, shedding light on the implications for savers, investors, and those in the housing market. They explore the effects of interest rate cuts on various financial instruments such as CDs, money market funds, and high yield savings accounts, painting a picture of how these changes could impact individuals' financial strategies. They also touch on the potential consequences for the stock a...
2024-03-1315 min
Last PaycheckThe FIRE Movement: How to Achieve Early Retirement and What to Look Out ForIn today's episode, Rob and Archie discuss the "FIRE Movement" - Financial Independence, Retire Early. They walk through how it's possible to achieve this lifestyle for those looking to retire early and the financial discipline it takes. They talk about the different lifestyles of FIRE, including explaining "Barista FIRE," where you don't stop working entirely. Alternatively, if you plan to retire completely, they highlight looking at your portfolio and savings to ensure you're earning enough for the lifestyle you want to lead. Rob and Archie delve into the balance this lifestyle takes and some potential pitfalls for a...
2024-02-1417 min
Last PaycheckChoosing a Financial Advisor: How To Find the Right One For You?One of your resolutions this year is to finally start working with a financial advisor? In this episode, Archie and Rob give their advice on exactly how to go about this. They start by addressing the complexity of the task, given the multitude of credentials and compensation models in the industry. It's really important that you understanding your personal financial needs and concerns before seeking out an advisor. They explain various compensation models, such as commissions, fees, and fee-based structures, shedding light on the potential conflicts of interest associated with each model. Additionally, they highlight th...
2024-01-2417 min
Last PaycheckPreparing Yourself or a Loved One for Losing Mental CapacityToday, Archie and Rob Hoxton tackle the crucial yet often uncomfortable topic of preparing for the possibility of losing mental capacity. With their expertise as financial advisors, they emphasize the importance of having the right legal authority and support system in place. They discuss the significance of being vigilant for signs of mental decline in oneself and aging loved ones, highlighting the vulnerability to financial scams and exploitation. They share the essential documentation required, such as power of attorney, healthcare power of attorney, and living wills, to empower trusted individuals to make critical decisions when ca...
2024-01-1716 min
Last PaycheckFinancial Scams: What You Need to Know and How to Protect YourselfToday, Archie and Rob delve into the increasingly sophisticated world of financial scams. They cover various types of scams, including checkwashing, romance scams, and paycheck schemes, providing real-life examples and valuable insights on how these scams work. Additionally, they shed light on the alarming use of artificial intelligence in grandparent scams, emphasizing the importance of increased vigilance and awareness in financial transactions. Archie and Rob also highlight red flags and precautionary measures for safeguarding oneself against potential scams, such as being cautious with gift card requests and wire instructions received via email. Watch on...
2024-01-0317 min
Last PaycheckUnderstanding Certificates of Deposit: Exploring the Pros and Cons of CD InvestmentsArchie and Rob discuss the topic of certificates of deposit (CDs). A CD is a financial instrument offered by banks where you deposit money for a certain period of time and earn interest in return. They break down the mechanics of CDs, including how they used to be represented by physical certificates but now mostly appear as line items in online banking statements. They also highlight the importance of FDIC insurance, which protects bank deposits, including CDs, up to $250,000 per person. Archie and Rob delve into the advantages and potential risks of investing in CDs. They emphasize th...
2023-12-0616 min
Tennessee Firearms AssociationRichard Archie interview with ROAR 98.9 Memphis on April 6, 2023Richard Archie interview with ROAR 98.9 Memphis on April 6, 2023
2023-04-1413 min
Archie B MixesArchie B - In Session (Spring 2023)Its been a while since i done a mix so here is a new in session!
Enjoy!
Archie B X
2023-04-071h 01Tennessee Firearms AssociationTenn. Star Report interview with Richard Archie, March 9 2023Michael Patrick Leahy, host of the Tennessee Star Report, talks with C. Richard Archie, TFA director, on March 9, 2023 concerning problems with officials from Bill Lee's administration whose salaries are covered by taxpayers but who are injecting themselves as witnesses in Legislative hearings to oppose efforts to remove existing infringements on our 2nd Amendment rights.
2023-03-0911 min
Archie TrillfigerSnowman Ft. Dami & Spencer Boston (Prod. By Archie Trillfiger)OBXEMPIRE RECORDS present's "Snowman" a new record by Archie Trillfiger featuring Dami from The Hustle heads& Spencer Boston from AMG! Produced by Archie Trillfiger!
Artwork by Life of Krimes Graphics!
Mixed & Mastered by Archie Trillfiger at OBXEMPIRE RECORDS.
2023-01-2003 minTennessee Firearms AssociationRichard Archie reviews the Perez-Gallan decision concerning unconstitutionality of orders of protection In November 2022, a federal district court in Texas was asked to dismiss a federal criminal charge against an individual who had been arrested for being in possession of a handgun but who had an order of protection against him. Under federal law, a part of the Gun Control Act, the pending order of protection caused the man to be classified as a “prohibited person” relative to firearms ownership or possession. That status exposed him to federal felony charges. TFA's Richard Archie reviews highlights from the Court's opinion.
2022-12-0801 min
Chaos MonsterThe Game (with Archie and Zara)Archie and Zara play a game, but the game has no name...and no rules. Which makes you wonder, is it actually even a game, or just a conversation?
2022-08-2247 min
Archie TrillfigerTRILL (Prod. by Speedy)OBXEMPIRE RECORDS presents a new single titled "TRILL" by the founder of OBX "Archie Trillfiger" with a record reproduced by Speedy On Da Beat.
In this wavy record Trillfiger brings some smooth waves to the scene with this new record to promote and build anticipation for his new project coming next month August 24th on all streaming platforms titled "Lantana Apartments".
Recorded: OBXEMPIRE RECORDS
Mixed & Mastered: Archie Trillfiger
Artwork: Archie Trillfiger
Archie trillfiger - TRILL (Prod. by Speedy)
OBXEMPIRE RECORDS (c) 2022
2022-08-2002 min
Archie TrillfigerTimeless (Prod. by Archie Trillfiger)OBXEMPIRE RECORDS presents a new single titled "Timeless" by the founder of OBX "Archie Trillfiger" with a record reproduced by Archie himself.
In this wavy record Trillfiger brings some smooth waves to the scene with this new record to promote and build anticipation for his new project coming next month August 24th on all streaming platforms titled "Lantana Apartments".
Recorded: OBXEMPIRE RECORDS
Mixed & Mastered: Archie Trillfiger
Artwork: Archie Trillfiger
Archie trillfiger - Timeless (Prod. by Archie trillfiger)
OBXEMPIRE RECORDS (c) 2022
2022-07-1802 minChaos MonsterPure Chaos With Mark LipsonThis episode is more chaotic than usual, which means we did a good job.The thing is, it features Zara's dad, who is a match for Archie when it comes to intellectual-adjacent tangents and astrological aptitude. So go ahead and listen if you want to learn too much information about Zara's dad's astrology chart, alien architects in the desert, the type of sex JFK had, and Archie's innovative ideas about abortion...You will also learn the answers to: •Who influenced David Lynch?•Did a blowjob in the Oval Office lead to the...
2022-07-1458 minChaos MonsterOnlyFans With Kaleb Kevins*For a couple of very important visuals, go to Instagram: @chaosmonsterpodcast* Archie and Zara are joined by renaissance man, Kaleb, to discuss his adventures as a performer on Only Fans. Inevitably, they often get sidetracked and explore other fascinating topics such as: the genus and species of foxes, the likelihood of Archie getting murdered, and the fictional Only Fans accounts of several Glee characters. Plus, when you listen to this episode you will receive some very exciting bonuses, such as:Loopholes: how to get into heaven even if you kill yo...
2022-06-021h 14Chaos MonsterS2 E11 Miley CyrusToday, Archie and Zara are joined by writer NATHANAEL to discuss the woman Archie worships and serves...Miley Destiny Hope Cyrus! Buckle up for a wild (and raunchy) ride ranging from educational pop songs about rollercoasters and pizza that cuts itself, all the way to the everything you EVER needed to know about gay sex. And yes, enough Miley talk to push the episode into the one hour twenty minute range, the longest yet! Bonuses include: •Selena Gomez tries to break into Zara's room•Archie falls in love with The Little Drummer Boy•Na...
2022-03-101h 22Tennessee Firearms AssociationTFA's Richard Archie interview Tennessee Representative Jay ReedyTFA's West Tennessee director, Richard Archie interview's State House member Representative Jay Reedy. They discuss the status of the 2nd Amendment in Tennessee and discussion the 2022 legislative session that is about to start.
2022-01-0328 min
SEX ARCHIEMemory Lane 8 - Afterlife With ArchieBefore the new season begins, we're going back to the comic series that started it all. The career of Roberto Aguirre-Sacasa as an executive at Archie Comics, and demand for the Riverdale gang in dark genre fiction, both began with a zombie story published in 2013. Showcasing a respect for the characters and who they could be, a masterful control of the medium for pacing and tension, and a fearlessness for breaking taboos, Afterlife with Archie shows why people were excited for Riverdale, and exhibits what the show can do at its best.
2020-12-291h 00
The Reconnecting PodcastReconnecting #1 - Hi, I'm ArchieHi, my name is Archie, and welcome to the reconnection podcast. I will be your host on a journey where I will hopefully be talking to some of the best minds of our time on topics relating to mental health, philosophy, and psychology all in order to hopefully give you a better understanding of how you win your battle or help those around you.
In this first, short, episode ill tell you a little bit of my story and the reason I'm starting this podcast.
If you enjoy please do let me know at reconnectingpod...
2020-12-0904 min
Archie TrillfigerI Represent (Prod. By Archie Trillfiger)OBXEMPIRE RECORDS Presents:
I Represent by Archie Trillfiger & also produced by Archie Trillfiger.
This song was created for the campaign of Ricki Ruiz, running for State Representative of Oregon District 50!
OBXEMPIRE RECORDS (c) 2020
2020-09-1202 min
Fidel Archie's PodcastArchie's Movie review>TERMINATOR:Dark FateTerminator 6: Dark fate movie review! --- Send in a voice message: https://anchor.fm/archie-fidel-edore/message
2020-01-2736 min
Give Archie A Minute Podcast TVS2ep3: Minutes With Archie II• Miss Erica(CEO of Fegor wears & Feggie's kitchen) talks on her personal relationship experience with her ex-boyfriend. • Spoken word by Archie, Song cover by Mirabel and Rap by Emmanuel.
2019-11-1241 min
Fidel Archie's PodcastEp3: Minutes With Archie II• Miss Erica(CEO of Fegor wears n Mama Fegor's kitchen) talks on her personal relationship experience with her ex-boyfriend. • Spoken word by Archie, Song cover by Mirabel and Rap by Emmanuel.--- Send in a voice message: https://anchor.fm/archie-fidel-edore/message
2019-11-1241 min
SEX ARCHIEMemory Lane 7: Archie's Weird MysteriesRiverdale returns soon, but we returned first! In this bonus episode, we talk about the first episode of Archie's Weird Mysteries, a kids' cartoon celebrating its 20th anniversary today. What of the whole town of Riverdale was threatened by an evil, deadly conspiracy, but it was certified safe for the little ones? You'd probably have to involve starchy veg and a future Broadway superstar.
2019-10-0344 min
Archie TrillfigerBad Boy Ft. X (OBXEMPIRE & Touri$t)OBXEMPIRE RECORDS & The Touri$t present Archie Trillfiger's new single "Bad Boy" featuring X, lead singer from TheLxcals Band and Hip-Hop artist at The Touri$t. Artwork done by Archie Trillfiger!
Recorded, Mixed & Mastered by Archie Trillfiger.
Follow Archie Trillfiger!
Twitter: @brownskinhippy
Instagram: @archietrillfiger
Facebook: Archie Trillfiger
Youtube: Archie Trillfiger
#Southeast EP Feb 9th on all major platforms.
OBXEMPIRE RECORDS (c) 2019
2019-02-0302 min
Less Talk, More Monkey from Archie McPheeThe Beginnings of Archie McPhee! The Founder of Archie McPhee, Mark Pahlow, Talks About the Roots of Archie McPheeMark Pahlow is here! The founder of Archie McPhee shares how it came to be, what you should eat while watching monster movies, what it feels like to be fired as a Viking and how being disappointed in someone else can lead to innovation and self-sufficiency. This is a good one!
Click here for more info on Archie McPhee.
Follow Mark Pahlow on Twitter.
2018-10-2353 min
SEX ARCHIEMemory Lane 6: The Death of ArchieThis episode covers issues 36 and 37 of Life With Archie by Paul Kupperberg, Art by Pat Kennedy, Tim Kennedy, and Fernando Ruiz
Years before the teens of Riverdale dealt with adult situations on TV, they dealt with them as, well, adults on the page. Life With Archie ended with a bang as Archie bled out on the waxed Chok-Lit Shoppe floor, and we're here to tell you all about it. Then, we conclude our reading of All the Snakes of the Forest. Is this a step toward the CW's Riverdale, or a condemnation of it? How would you end a story...
2018-08-101h 24
SEX ARCHIEMemory Lane 5: Unsold Archie Pilot (1964)Riverdale may be the first live-action Archie series on TV, but it wasn't the first attempt. Well, neither is the one we're talking about, but it's the oldest one we could find. This mid-60s attempt at adaptation was actually pretty good for its time (if you're into that sort of thing). Should Weatherbee be one of Fred's patients? Is lying contagious? Who stole Jughead's identity and where did they hide the body?
Check out Final Bid on Kickstarter! https://www.kickstarter.com/projects/1552912590/final-bid-the-cinematic-auction-game
2018-06-241h 16
SEX ARCHIEMemory Lane 4: Archie Meets the PunisherThis episode covers Archie Meets The Punisher; a comic by Batton Lash, art by John Buscema and Stan Goldberg
Twenty-three years before our beloved show hit the air, there was another experiment at mixing the Archie gang with a contemporary, gritty tone with drug trafficking, a vigilante killer, and Miss Grundy getting all horned up. This book became infamous for its cover alone, but it turns out what's inside is REALLY DANG GOOD!
2018-01-0255 min
SEX ARCHIEMemory Lane 3: The Archie ShowWelcome to Sex Archie: The Riverdale Recap Podcast
This episode covers five episodes of The Archie Show, the first cartoon series based on the Archie characters, which premiered in 1968.
Saturday morning cartoons back in the day were cheap, fast, and disposable. We watched 106 minutes of especially cheap examples, and would like to dispose of them. When is Fufu getting the reboot treatment? Doesn't the law of large numbers say SOME of these jokes should be good? Why does every Archie property on TV hate children?
And keep an eye out for more information on Gextra Life 2! Streaming Saturday the 2nd...
2017-08-081h 12
SEX ARCHIEMemory Lane 2: Archie Vs PredatorWelcome to Sex Archie: The Riverdale Recap Podcast
This episode covers Archie Vs. Predator, the comic series written by Alex de Campi, drawn by Fernando Ruiz, published by Dark Horse comics
Some ideas are just fun. Sometimes those ideas grow to include a nuanced take on the intention vs the actions of "nice guys". Sometimes they juggle 17 characters and give them all a reason to be there, and most of them a memorable death. Sometimes a crossover is even better than an original property it draws from. We love this book.
2017-07-1153 min
SEX ARCHIEEpisode 1: Archie Got HotWelcome to Sex Archie: The Riverdale Recap Podcast
This episode covers Chapter 1: The River's Edge by Roberto Aguirre-Sacasa; directed by Lee Toland Krieger
In this episode we meet our cast and discover their troubles. Why would anyone date the ab-free comics Archie? Who names their daughter 'Geraldine'? Is Reggie a tortured artist with erectile dysfunction?
2017-02-1234 min
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