Last Paycheck – Details, episodes & analysis

In this episode of The Last Paycheck Podcast, Certified Financial Planner professionals Archie Hoxton and Rob Hoxton tackle a common retirement dilemma: Should you help your adult children financially, and at what cost to your retirement?

They explore the emotional and financial trade-offs of supporting grown kids, including how it can impact your long-term financial security. You'll learn:

 ✅ When it makes sense to offer help
 ✅ How to set healthy financial boundaries
 ✅ Why your retirement plan must come first
 ✅ How to encourage financial independence in your children

Rob and Archie share practical strategies, real-world examples, and candid advice—like why putting on your own oxygen mask first isn’t just a travel tip, but a retirement strategy too.

Get their book!
Think Ahead: Ten Reasons Why You Need a Financial Planner by Rob Hoxton and Julia Connell  - https://hoxtonpm.com/think-ahead-book/ 

Call or text Hoxton Planning & Management: +1 (304) 876-2619 and visit their website www.hoxtonpm.com             

Watch on YouTube: https://youtu.be/FOXp1kwEACg 

Listen in on conversations with CFP Professionals Archie and Rob Hoxton as they share weekly wisdom to help you retire and stay retired. Have you ever wondered what it will feel like when you get your last paycheck? Whether it’s excitement, anxiety, or anything in between, this show is for you.

Visit: http://www.thelastpaycheck.com        

Last Paycheck contains general information that is not suitable for everyone and was prepared for informational purposes only. Nothing contained in the presentation should be construed as a solicitation to buy or sell any security or as an offer to provide investment advice. Archie and Rob are investment advisor representatives of Hoxton Planning and Management LLC, a registered investment advisor.

In 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 share practical tips on how to identify your own money script and how understanding your financial mindset can help you make better decisions. They also introduce helpful resources, like the Money Scripts Inventory, and point listeners toward organizations that offer financial therapy. Tune in for actionable wisdom to reflect on your financial behavior and plan for a secure, fulfilling retirement!

Get their book!
Think Ahead: Ten Reasons Why You Need a Financial Planner by Rob Hoxton and Julia Connell  - https://hoxtonpm.com/think-ahead-book/ 

Call or text Hoxton Planning & Management: +1 (304) 876-2619 and visit their website www.hoxtonpm.com             

Watch on YouTube: https://youtu.be/aEkLk4FtTZY 

Listen in on conversations with CFP Professionals Archie and Rob Hoxton as they share weekly wisdom to help you retire and stay retired. Have you ever wondered what it will feel like when you get your last paycheck? Whether it’s excitement, anxiety, or anything in between, this show is for you.

Visit: http://www.thelastpaycheck.com        

Last Paycheck contains general information that is not suitable for everyone and was prepared for informational purposes only. Nothing contained in the presentation should be construed as a solicitation to buy or sell any security or as an offer to provide investment advice. Archie and Rob are investment advisor representatives of Hoxton Planning and Management LLC, a registered investment advisor.

In 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 regular reviews of your savings rate and investment allocations, especially as life circumstances change. If you want to start the year with greater confidence and peace of mind about your financial future, this episode is packed with actionable advice—and they offer a handy checklist to help you stay on track - email lastpaycheck@hoxtonpm.com to get it in your inbox free!

Call or text Hoxton Planning & Management: +1 (304) 876-2619 and visit their website www.hoxtonpm.com             

Watch on YouTube: https://youtu.be/Q4-FnB6pbWM 

Listen in on conversations with CFP Professionals Archie and Rob Hoxton as they share weekly wisdom to help you retire and stay retired. Have you ever wondered what it will feel like when you get your last paycheck? Whether it’s excitement, anxiety, or anything in between, this show is for you.

Visit: http://www.thelastpaycheck.com        

Last Paycheck contains general information that is not suitable for everyone and was prepared for informational purposes only. Nothing contained in the presentation should be construed as a solicitation to buy or sell any security or as an offer to provide investment advice. Archie and Rob are investment advisor representatives of Hoxton Planning and Management LLC, a registered investment advisor.

Should you pay off your mortgage before you retire or save more during your working years? Tune in to learn about the technical and emotional factors you may want to consider.

This episode on YouTube: https://youtu.be/_y2736SibwY 

Listen in on conversations with Certified Financial Planners Archie and Rob Hoxton as they share weekly wisdom to help you retire and stay retired. Have you ever wondered what it will feel like when you get your last paycheck? Whether it’s excitement, anxiety, or anything in between, this show is for you.

Visit: http://www.thelastpaycheck.com

If you'd like to chat with Rob or Archie further, please schedule a consultation: https://calendly.com/archiehoxton/last-paycheck-consultation  

Living your best financial life without going broke. Tune into learn about 5 financial control levers that you have before and during retirement. 

This episode on YouTube: https://youtu.be/_y2736SibwY

Listen in on conversations with Certified Financial Planners Archie and Rob Hoxton as they share weekly wisdom to help you retire and stay retired. Have you ever wondered what it will feel like when you get your last paycheck? Whether it’s excitement, anxiety, or anything in between, this show is for you.

Visit: http://www.thelastpaycheck.com

If you'd like to chat with Rob or Archie further, please schedule a consultation: https://calendly.com/archiehoxton/last-paycheck-consultation  

Recent research suggests that a happy retirement may be different than you think. Chances are, it will look different than your parents retirement. Tune in to learn more!

This episode on YouTube: https://youtu.be/OzjPUv1G0gs 

 Listen in on conversations with Certified Financial Planners Archie and Rob Hoxton as they share weekly wisdom to help you retire and stay retired. Have you ever wondered what it will feel like when you get your last paycheck? Whether it’s excitement, anxiety, or anything in between, this show is for you.

Visit: http://www.thelastpaycheck.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 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 ages. Whether you're aspiring to retire at 45 or just exploring early retirement options, this episode offers invaluable insights to help you navigate the complexities and set realistic expectations for a dream retirement earlier than most.

Call or text Hoxton Planning & Management: +1 (304) 876-2619 and visit their website www.hoxtonpm.com             

Watch on YouTube: https://youtu.be/qf20oZJYvcE 

Listen in on conversations with CFP Professionals Archie and Rob Hoxton as they share weekly wisdom to help you retire and stay retired. Have you ever wondered what it will feel like when you get your last paycheck? Whether it’s excitement, anxiety, or anything in between, this show is for you.

Visit: http://www.thelastpaycheck.com        

Last Paycheck contains general information that is not suitable for everyone and was prepared for informational purposes only. Nothing contained in the presentation should be construed as a solicitation to buy or sell any security or as an offer to provide investment advice. Archie and Rob are investment advisor representatives of Hoxton Planning and Management LLC, a registered investment advisor.

In this episode of Last Paycheck Podcast, CFP Professionals Rob and Archie Hoxton delve into the hot topic of market volatility. As financial markets face fluctuations, they share insights and practical advice for navigating these turbulent times. Highlighting their newly developed Market Volatility Guide (email lastpaycheck@hoxtonpm.com to get it sent to your inbox), they explore common pitfalls like panic selling and chasing fleeting market trends. The hosts emphasize the importance of maintaining a strategic approach, advising listeners to stay the course and focus on essentials like rebalancing and tax-loss harvesting. 

They candidly discuss the emotional challenges investors face—with panic and catastrophic thinking being predominant—and highlight how emotional responses, like fear and greed, can derail financial decision-making. They stress the importance of planning ahead and preparing a financial playbook for future market downturns. This engaging discussion aims to equip listeners with both the mindset and tactics to weather financial storms confidently.

Call or text Hoxton Planning & Management: +1 (304) 876-2619 and visit their website www.hoxtonpm.com             

Watch on YouTube: https://youtu.be/91aSbK5Dfik 

Listen in on conversations with CFP Professionals Archie and Rob Hoxton as they share weekly wisdom to help you retire and stay retired. Have you ever wondered what it will feel like when you get your last paycheck? Whether it’s excitement, anxiety, or anything in between, this show is for you.

Visit: http://www.thelastpaycheck.com        

Last Paycheck contains general information that is not suitable for everyone and was prepared for informational purposes only. Nothing contained in the presentation should be construed as a solicitation to buy or sell any security or as an offer to provide investment advice. Archie and Rob are investment advisor representatives of Hoxton Planning and Management LLC, a registered investment advisor.

Welcome 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 obligations, and the importance of updating your estate plan. Additionally, Rob and Archie caution listeners against rushing into decisions and the risk of financial exploitation. Tune in for insightful guidance to ensure your financial future remains secure, even with sudden changes in wealth.

Call or text Hoxton Planning & Management: +1 (304) 876-2619 and visit their website www.hoxtonpm.com             

Watch on YouTube: https://youtu.be/KDt7K6P0_1U 

Listen in on conversations with CFP Professionals Archie and Rob Hoxton as they share weekly wisdom to help you retire and stay retired. Have you ever wondered what it will feel like when you get your last paycheck? Whether it’s excitement, anxiety, or anything in between, this show is for you.

Visit: http://www.thelastpaycheck.com        

Last Paycheck contains general information that is not suitable for everyone and was prepared for informational purposes only. Nothing contained in the presentation should be construed as a solicitation to buy or sell any security or as an offer to provide investment advice. Archie and Rob are investment advisor representatives of Hoxton Planning and Management LLC, a registered investment advisor.

In this episode of the Last Paycheck Podcast, CFP Professional Archie Hoxton and Financial Advisor Jimmy Sutch dive into the well-known 4% rule of retirement planning. They explore its origins, usefulness, and potential pitfalls. The conversation begins by defining distribution rates and questioning what genuinely constitutes a sustainable withdrawal rate. They discuss the 4% rule, originating from Bill Bengen's study in the 1990s, which suggests that withdrawing 4% annually from your retirement portfolio can last you 30 years. 

However, they caution that real-life scenarios can differ significantly, affecting the rule's reliability. Factors such as market performance, personal spending needs, and retirement length can impact the rule's effectiveness. They emphasize the importance of a dynamic and personalized approach to retirement planning rather than relying solely on generic rules of thumb. Tune in for invaluable insights and wisdom on how to prepare for a financially stable retirement.

Call or text Hoxton Planning & Management: +1 (304) 876-2619 and visit their website www.hoxtonpm.com             

Watch on YouTube: https://youtu.be/0Ioa0xDXBkM 

Listen in on conversations with CFP Professionals Archie and Rob Hoxton as they share weekly wisdom to help you retire and stay retired. Have you ever wondered what it will feel like when you get your last paycheck? Whether it’s excitement, anxiety, or anything in between, this show is for you.

Visit: http://www.thelastpaycheck.com        

Last Paycheck contains general information that is not suitable for everyone and was prepared for informational purposes only. Nothing contained in the presentation should be construed as a solicitation to buy or sell any security or as an offer to provide investment advice. Archie and Rob are investment advisor representatives of Hoxton Planning and Management LLC, a registered investment advisor.