More Americans are tapping their 401(k)s just to get by, and that trend carries consequences many don’t see coming. In this episode, Tony walks through why retirement accounts are increasingly treated like emergency ATMs, how the shift from pensions to 401(k)s changed long‑term planning, and why financial literacy plays a major role in today’s money stress. The conversation covers emergency savings, learned money behaviors, budgeting fundamentals, and the risks of borrowing from your future to fund the present. He also discusses why retirement planning looks different for everyone and how asking better questions can lead to clearer decisions about income, taxes, and long‑term strategy.

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Increase, Protect, and Dominate Your Money & Your Legacy April 25th
10:00 AM ET

Mt. Olive Baptist Church 

2464 Rock Mill Road
Henderson, NC 27537