Not Me, But You!
Welcome to Not Me, But You! This is likely one of the most ironically titled podcasts since the focus is designed to be on the podcast listeners rather than the podcast creator. I spent half of my life as a school administrator and I want to share with you what I've learned about education, teaching, learning, reaching your goals, attaining your dreams, developing relationships, encouragement, motivation, business, income, and money. My desire is to shine some "psychological sunshine" onto your thinking. I believe it's possible for you and me to attain our dreams in life. But often, many of us need a good teacher, a good mentor, and a good cheerleader in order to help us along the way.
I am confident that you will learn some things from me. But more importantly I want to learn something from you. I will share what I'm passionate about. But I also want to discover what you are passionate about. And by listening, you will discover how to set goals, how to track goals, how to achieve goals, how to select a good "guru" or mentor or teacher or advisor, how to make money and save money. And most of all, I want you to discover what is your most valuable asset and how to gain freedom in your life. (Answer: your most valuable asset is your TIME). How do we do that? By buying and holding assets. But we need to learn which assets are best for us. You can become wealthy by pushing buttons on your phone!
Not Me, But You!
Ep #77- Sector Rotation In Stocks/Crypto- Consider QQQI and SPYI
Season 2, Episode #77. Not Me, But You! Podcast. Build cash flow. Make this your number one finanical goal. How does retirment work? Typically a "financial custodian" who holds your 401K/403B funds will try to convince you to take a monthly check, which they will "guarantee." Instead, consider taking your entire "ball of cash" and roll it into a Traditional IRA fund that you control. This type of account can be opened at Robinhood, or Charles Schwab or your favorite online brokerage company. Once you have the cash in your traditional IRA, you can invest the money and create MUCH MORE cash flow than you would get "guaranteed" if the financial custodian held onto your pile of cash.
If you live in the USA, like I do, then you need to be aware that when filing for and accepting monthy social security checks, you have to be aware of your FRA (full retirement age, as defined by Social Security Administration). If you retire at age 62 and your FRA is age 67, then you can only make at a job where you are issued a W-2 for your employment wages: only can make $23K to $26K PER YEAR! This yearly income limit will be in force until you reach your FRA at which time you can make as much money as you choose. But DIVIDEND income and investment income doe NOT count against your monthly social security check.
It is common for traditional finance people to do "sector rotation." What is it? Money gets moved into perceived "safe haven" stocks like: Berkshire Hathaway, Lockheed Martin, Home Depot, and McDonald's stock. These are NOT high yield dividend stocks. But they are stocks that will help to "preserve wealth."
Jerome Powell, Fed Reserve Chairman spoke at Jackson Hole, Wyoming. What did he indicate? An interest rate cut MAY be coming on 9/17/25, the next time the FOMC has a meeting. Track this and pay attention. IF Powell begins a series of interest rate cuts next month, then you will stock market prices rise and cypto prices rise. Federal interest rate cuts usually coincide with Gov't printing more fiat money.
If you don't like your current life situation then what are you doing today, to change it? Have courage today, to pick one thing, and work on your dreams. We will talk again soon. Follow me on X: at Waypa Today. Blue check mark verified account.
I'm not a financial advisor. This podcast is for education/entertainment purposes only. You will need to do your own research and accept responsibility for the results of any money you choose to invest. I love using Schwab.com to buy/sell stocks/ETF's/closed end funds/options. Schwab has a very user friendly app/website and their customer service is excellent. I can easily get to speak to a human being whenever I have questions.