The Financial Quarterback®: Your Game Plan to Protect Your Money and Retirement for Business and Investing

What happens when a bank decides it doesn’t want your business... Not because you can’t pay your bills or because you’ve done anything illegal, but because of your politics, religion or the lawful business you operate?

In this episode:

What does it really take to retire early? Josh Jalinski breaks down the habits that helped self-made millionaires reach financial independence, and why some of the biggest decisions have little to do with picking investments.

In this episode:

What if the decisions that have the biggest impact on your wealth aren’t about which stocks you buy?

In this episode of The Financial Quarterback, Josh Jalinski looks beyond investment returns to the major life decisions that can shape your financial future for decades.

From who you marry and the career you choose to how much house you buy, when you claim Social Security and what you actually want retirement to look like, your financial success can depend just as much on the choices you make outside your portfolio.

Josh discusses:

College athletes are earning millions before they’ve even graduated... but getting paid is only half the story. What happens when a life-changing amount of money arrives before you have decades of financial experience?

In this episode, Josh looks at the booming world of NIL deals and the financial lessons that apply far beyond college sports. From managing unpredictable income and resisting lifestyle creep to investing early and handling pressure from friends and family, sudden wealth can create just as many challenges as opportunities.

In this episode, you'll learn:

A big paycheck doesn’t automatically create lasting wealth. In this episode, we look at how NFL stars including Brandon Copeland, Larry Fitzgerald, and Rob Gronkowski approached money during careers where the income could be enormous, but the window to earn it could be surprisingly short.

In this episode, you'll learn:

The biggest inheritance fights don’t always start with greed, they often start with poor planning, unclear wishes, and outdated documents. In this episode, we look at the estate battles left behind by celebrities like Prince, Aretha Franklin, James Brown, and Tom Petty, and what their stories can teach families about protecting their own legacies.

In this episode:

Why inheritance disputes can happen even in families that normally get along

Why having a will may not be enough to protect your wishes

How beneficiary designations, trusts, and other estate documents work to...

Remember when people thought Beanie Babies were going to make them rich? The craze may seem ridiculous now, but the investing behavior behind it is still very much alive. In this episode, we look at what the Beanie Baby bubble can teach us about speculation, FOMO, and the temptation to chase the next big thing. From dot-com stocks and crypto to meme stocks and NFTs, the investment may change, but human behavior often doesn't.

In this episode, you'll learn:

Bestselling author and financial expert Barry Dyke returns to The Financial Quarterback for a wide-ranging conversation about the growing influence of private equity and private credit, and why he believes Americans should be paying much closer attention to what’s happening behind their retirement savings.

Barry and Josh start with one of the biggest financial stories in the news: the scrutiny surrounding billionaire Mark Walter and investments connected to insurance companies, including the money behind annuities and life insurance policies. They examine the success of investments like the Los Angeles Dodgers, the questions surrounding affiliated assets, and a...

What if the biggest threats to your financial future aren’t market crashes or major expenses... but the small spending decisions you barely notice?

It’s easy to focus on investment returns and retirement account balances while overlooking the everyday habits that can quietly chip away at your wealth. Lifestyle creep, social pressure, impulse purchases, and even generosity can become financial problems when they aren’t kept in check.

In this episode of The Financial Quarterback, Josh explores the common money mistakes that can slowly derail your financial progress and explains why being intentional with your s...

What if one of the smartest investing moves you could make was doing nothing at all?

When markets get volatile, it’s tempting to sell, move to cash, change your strategy, or react to the latest headline. But sometimes, the investors who come out ahead are the ones who resist the urge to act.

In this episode of The Financial Quarterback, Josh looks at findings from Vanguard’s How America Saves report and explains why discipline, consistency, and automation can be more powerful than constantly tinkering with your portfolio.

From automatic 401(k) contributions to t...

What does an $8 million millionaire look like?

Probably not a gas station attendant and janitor from a small town in Vermont.

In this episode of The Financial Quarterback, Josh shares the remarkable true story of Ronald Read, a man who never earned a huge salary, never lived a flashy lifestyle, and never chased the latest investment trend... yet quietly built an $8 million portfolio through discipline, patience, and the power of compound interest.

Josh explains why building wealth has less to do with finding the next hot stock and more to do with developing...

Kevin O'Leary recently sparked debate by saying you're not truly rich unless you have $5 million in U.S. Treasuries. Is he serious? More importantly, what can everyday investors learn from his philosophy?

In this episode of The Financial Quarterback, Josh breaks down O'Leary's biggest wealth-building principles and explains why the number itself matters far less than the strategy behind it. We discuss why financial security isn't just about growing your portfolio, it's about building flexibility, preparing for uncertainty, and creating a plan that can withstand whatever life throws your way.

Whether you're just starting to...

Markets are riding high on artificial intelligence... but are investors getting ahead of themselves? Josh breaks down the recent selloff in AI stocks, why some market veterans are comparing today's environment to the dot-com bubble, and what it all means for your portfolio. Instead of trying to predict the next market move, learn how to build a financial strategy that can weather uncertainty, manage risk, and keep you focused on your long-term goals. Plus, we answer listener questions on interest rates, Treasury yields, and making smart retirement planning decisions in today's market.

Can't get enough of The...

A historic $93 trillion wealth transfer is underway, but passing on wealth takes more than a will. In this episode, Josh discusses why estate planning, long-term care, trusts, and open family conversations are essential to protecting your legacy. Learn how to prepare your heirs, avoid common planning mistakes, and help ensure your wealth benefits the next generation the way you intend.

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Why do intelligent, successful people make costly financial mistakes?

This week on The Financial Quarterback radio show, Josh sits down with Certified Financial Planner and Certified Financial Therapist Bobbi Rebell for a fascinating conversation about the emotional side of money. From panic-selling during market downturns to overspending, relationship dynamics, and retirement expectations, they explore why our financial decisions are often driven more by psychology than logic.

The discussion also dives into the growing field of financial therapy, why knowledge alone doesn't create good financial outcomes, and how understanding your own money behaviors can lead to...

Taylor Swift and Travis Kelce may dominate the headlines, but the bigger story isn't celebrity, it’s financial planning. Josh explains why prenups aren't just about divorce, but about protecting businesses, inheritances, retirement savings, and future wealth. The conversation expands into estate planning, joint finances, and why every couple should have honest money conversations long before walking down the aisle. Whether you're getting married, already married, or planning your legacy, this episode offers practical lessons that can help protect the people you love.

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Saturday July 4, 2026 - Radio Show

What should you be reviewing halfway through the year to keep your retirement plan on track? Could artificial intelligence be creating the next dot-com investing bubble? And after spending decades building wealth, is it actually possible to save too much?

On this week's episode of The Financial Quarterback radio show, Josh Jalinski tackles some of today's biggest financial questions, from conducting a mid-year financial checkup to understanding how government debt and inflation affect your everyday life. He also explores whether investors are getting caught up in AI hype, draws lessons...

Artificial intelligence is changing the world, but does that automatically make AI stocks great investments? In this episode, Josh explores the similarities between today's AI boom and the dot-com era, explaining why transformative technology doesn't always translate into strong investment returns. Learn how to avoid FOMO, why diversification still matters, and how to participate in AI's long-term potential without putting your retirement at unnecessary risk.

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If something unexpected happened tomorrow, would your family know where to find your financial accounts, insurance policies, estate documents, or even how to pay the bills? In this episode, Josh explains why every household needs a family financial playbook: a simple but powerful tool that can help loved ones avoid confusion, reduce stress, and stay organized during life's most difficult moments. Learn what information to include, the common mistakes families make, and how a little preparation today can provide invaluable peace of mind tomorrow.

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Retiring without a spouse comes with a unique set of financial challenges. In this episode, Josh discusses why single retirees need a different approach to Social Security, taxes, healthcare, housing, and retirement income planning. Whether you're single, divorced, widowed, or planning ahead, learn how to build a strategy designed to help you retire with confidence and independence.

Can't get enough of The Financial Quarterback? Click ‘Subscribe’ so you never miss a play. If you’re enjoying the show, leave a 5-star rating and drop a review—it helps keep the game going!

The headlines may say the economy is strong, but many Americans don't feel financially secure. In this episode, Josh explores why financial pessimism is rising despite low unemployment and resilient markets. He breaks down the growing gap between economic data and everyday reality, the impact of inflation, debt, and uncertainty, and why financial confidence isn't determined by what's happening in the economy, it's determined by whether you have a plan. Learn how a coordinated financial strategy can help you move from financial stress to financial clarity, regardless of the headlines.

Can't get enough of The Financial Quarterback...

Most people spend decades focused on building their retirement savings, but far fewer have a plan for how to spend those savings efficiently once retirement begins. In this episode, Josh explains why retirement isn't just about accumulating wealth, it's about creating a sustainable income strategy. He discusses how withdrawal order, taxes, Roth conversions, required minimum distributions, and retirement income planning can all impact the longevity of your nest egg.

If you're approaching retirement or already retired, this conversation will help you think differently about turning your savings into a reliable paycheck that lasts.

Can't get...

Millions of Americans are working longer hours, taking on side hustles, and still feeling financially behind. Why? Josh explores the connection between money, work-life balance, burnout, inflation, and financial organization. He explains why financial stress isn't always an income problem, how a lack of structure can create unnecessary pressure, and why having a coordinated financial plan can help create more freedom and flexibility in your life.

If you've ever wondered whether you're working harder than necessary (or whether your money is truly working for you) this episode is for you.

Can't get enough of The...

Most people spend decades focused on growing their retirement savings, but very few think about how that money will eventually be taxed. In this episode, Josh breaks down the hidden “retirement tax time bomb” that can catch retirees off guard through RMDs, Social Security taxation, Medicare IRMAA surcharges, and rising taxable income later in life. Josh explains why retirement doesn’t automatically mean lower taxes, how Roth conversions may create flexibility, and why smart retirement planning is about keeping more of what you’ve earned, not just growing it

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Most investors think AI investing starts and ends with tech stocks like Nvidia. But what if the biggest long-term winners are actually in energy, infrastructure, utilities, and data centers? In this episode, Josh breaks down the broader economic impact of artificial intelligence, the dangers of chasing hype, and how smart investors can position themselves for long-term growth while managing risk and volatility.

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You’ve worked hard, saved money, and checked the boxes... So why does retirement still feel uncertain? Josh breaks down the hidden gaps in retirement planning, why many Americans nearing retirement still feel financially stressed, and how to build a coordinated plan for income, liquidity, taxes, healthcare, and long-term security. Plus: the shocking retirement savings statistic that reveals just how unprepared many people really are.

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Everyone says “just buy the index”... but what if that strategy is riskier than it looks? In this episode, Josh breaks down how a handful of mega-cap stocks are driving the market and why that could leave investors more exposed than they realize. Learn what true diversification looks like today, and how to avoid hidden risks in your portfolio!

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Should you stay liquid or lock in today’s rates? It’s one of the biggest questions facing investors right now... and getting it wrong could cost you.

In this episode, Josh walks through the pros and cons of cash, high-yield savings accounts, and fixed-rate strategies, including how to think about opportunity cost, declining rates, and smart allocation. Learn how to structure your money with the right balance of flexibility, income, and long-term growth without making an all-or-nothing bet.

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Most people assume their money will automatically go to their loved ones, but without a proper estate plan, that’s often not what happens. In this episode, Josh breaks down what actually happens when there’s no plan in place: from delays and legal complications to unintended outcomes that can impact your family for years. More importantly, we walk through how to take control now, avoid costly mistakes, and make sure what you’ve built is protected.

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Most people have financial goals... but no real plan to reach them. In this episode, Josh breaks down why working harder with your money isn’t enough without structure, and how the “financial junk drawer” mindset keeps people stuck. You’ll learn how to prioritize your goals, build a strong financial foundation, and create a strategy that actually moves you forward.

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Wall Street wants into your 401(k), bringing private equity and crypto with it. But is that opportunity… or a trap? In this episode, Josh breaks down what these investments really are, the hidden risks (fees, complexity, and liquidity), and why more options don’t always mean better outcomes. Before you chase what’s new, make sure you understand what’s at stake.

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Helping your kids or grandkids financially feels like the right thing to do... but what if that generosity comes at a hidden cost? Josh breaks down the surprising tax consequences of pulling money from your 401(k), how it can trigger higher Medicare premiums, and why timing matters more than you think. Learn smarter strategies to give with intention without putting your own retirement at risk.

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Many retirees finally have the time to travel... but how much should you actually spend? Josh explains why baby boomers are spending more on vacations than any generation before them, the biggest travel mistakes retirees make, and how to build travel into your financial plan so you can enjoy life without putting your retirement at risk.

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If conflict escalates in the Middle East, Americans often feel the impact quickly, especially at the gas pump. Josh explains why tensions involving Iran can send oil prices higher, how that affects inflation and consumer spending, and what it could mean for retirees and investors.

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Retirement security took center stage in the latest State of the Union, but what do the proposed changes really mean for your money?

In this episode, Josh breaks down the proposed government-backed retirement accounts, the promise of matching contributions, and the potential long-term risks investors should consider. From tax diversification and Roth strategy to Social Security reliance and asset protection planning, this conversation goes beyond headlines and focuses on what truly builds lasting financial independence.

Can't get enough of The Financial Quarterback? Click ‘Subscribe’ so you never miss a play. If you’re enjoying the show...

The biggest threats to your financial future aren’t always market crashes or major expenses, they’re the everyday spending habits you barely notice. In this episode, we explore the common money mistakes that quietly chip away at your wealth, from social spending pressure and lifestyle creep to generosity without boundaries. Learn how small financial decisions compound over time, how to recognize hidden money leaks, and how to take control of your spending without guilt so you can stay focused on your long-term goals.

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Rules of thumb work... until they don’t. In this episode, Josh unpacks why one-size-fits-all financial rules often fail, how generic advice can quietly create risk, and what changes once you’ve already “won the game” financially. Plus, we explore why personalization matters, how risk tolerance should evolve over time, and why the goal isn’t more money, it’s clarity and confidence.

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Many people are closer to early retirement than they realize, but they’re missing one critical piece: income planning. Josh walks through how income bridges work, why timing matters more than hitting a magic number, and how to think about retirement cash flow before Social Security kicks in. This episode is for anyone who feels financially “close,” but not confident enough to make the leap.

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For decades, the 4% rule has been treated as gospel for retirement planning... But is it still safe? Josh breaks down why the traditional withdrawal rule may no longer work in today’s market, how Social Security and guaranteed income change the math, and what really determines whether your money lasts as long as you do.

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The market is hitting record highs and AI stocks are soaring, but for retirees, this may actually be one of the most dangerous environments in years. In this episode, Josh explains why booming markets don’t automatically mean financial safety, how portfolio concentration and the sequence of returns can quietly threaten retirement income, and why income planning matters more than account balance alone. If you’re retired or approaching retirement, this conversation could completely change how you think about your money.

Can't get enough of The Financial Quarterback? Click ‘Subscribe’ so you never miss a play. If you’re e...