SAVER

How can couples build wealth with more intention—and make investing decisions without letting emotion take over? In this episode of The Saver Show, host Michael Dillard talks with Matt Morizio, a former Kansas City Royals minor league catcher and pitcher turned fee-only financial advisor. Matt shares his perspective on individual stocks, diversification, retirement investing, and the value of having a clear plan before you buy. The conversation covers why retirement isn’t necessarily the finish line for your money, how small differences in returns can add up over time, and why a stock strategy needs more than a reason to buy—it also needs a sell discipline and a plan for what comes next.You’ll also hear Matt explain his fee-only business model, how he thinks about dividend-paying utility companies and growth investments, and why he encourages people to align their financial choices with the life they want to build.Whether you’re reviewing your 401(k), considering individual stocks, or trying to make money conversations more productive as a couple, this episode offers ideas to explore and questions to ask as you shape your financial plan.Matt shares his practice at Reconstructing Wealth and offers his perspective as an advisor. This conversation is for educational purposes, not individualized investment advice.BOOK COMPLIMENTARY CALL Michael Dillard www.michaeldillard.orgMatt Moriziohttps://reconstructingwealth.com/

The advice most couples get about wealth building is backwards. Jaden S. Sterling breaks down the 3Ds that can change your financial future - decide, discipline, and delay gratification - and shows why the real path to freedom starts with behavior, not income. If you’re tired of feeling stuck between market volatility, lifestyle creep, and debt, this conversation gives you a clearer way forward. Michael Dillard opens up about real money decisions couples face right now, from moving retirement savings into an IRA to deciding whether to hold cash, buy dips, or wait for a better entry. Jaden responds with 40 years of investing experience and a blunt message: you don’t build wealth by spending more than you make, even if you’re a high earner.BOOK COMPLIMENTARY CALL www.MichaelDillard.orgYou'll discover:Why “lifestyle creep” quietly destroys even millionairesHow to tell the difference between an asset and a liability in one simple questionWhy a 3% mortgage changes the payoff vs. invest debateHow to think about credit cards, mortgage interest, and the trap of minimum paymentsWhy delay gratification is a wealth skill, not just a budgeting tipJaden also shares how he thinks about real estate differently, including buying at absolute auctions, using cash strategically, and even leveraging a Roth IRA in a way most investors never consider. Then the conversation turns to stocks, where he makes the case for individual stock picking over mutual funds and explains why he prefers companies that still matter 3, 5, and 10 years from now.Michael pushes the discussion further with the questions couples are actually asking: Should you pay off the house early or invest? Should you buy index funds, individual stocks, or both? How do you keep greed from wiping out gains when a stock runs up? Jaden answers with practical, disciplined investing rules that are built for people who want to grow net worth without gambling on hype.If you’re a couple trying to align your money goals, an investor tired of guessing, or someone who wants a smarter framework for building generational wealth, this episode gives you the mindset and the tactics to start making cleaner financial decisions today.Michael Dillard hosts Savor Podcast, helping couples build generational wealth one penny, one dime, one dollar at a time.Jaden S. Sterling is a longtime investor and founder of Sterling Stock Picker, where he combines stock education, values-based investing, and risk-based screening to help listeners make smarter decisions with their money.Perfect for anyone who wants to stop reacting to the market and start building wealth with intention. https://sterlingstockpicker.com/

Most couples think life insurance is only about “what if I die”—but what if your policy could put cash back in your pocket? 👀Book complimentary call with Michael Dillard www.MichaelDillard.orgIf you’re over 62, or you’ve had a policy for years, don’t cancel it before checking whether it has value.A policy may sometimes be sold for cash. And a loan against it can affect what your family receives—so it pays to understand what you own before making a move.Know your options. Protect your family. Don’t let money lie to you.Have you ever heard of selling a life insurance policy? Share this with someone who should know.Jack D. Davishttps://www.knowledgeiscash.com/#LifeInsurance #FinancialLiteracy #CouplesWealth #GenerationalWealth #MoneyTalks

Could a small investment give you exposure to malls, outlet centers, and other properties? In this video, Michael Dillard discusses Simon Property Group, its dividend, and how investors can research a company before deciding whether it fits their goals. Complimentary Personal Finance Call at www.MichaelDillard.orgMichael explains the basics of dividend income and potential price appreciation, using familiar examples like shopping for discounted shoes to make stock prices easier to understand. He also introduces index funds that track the S&P 500 and shows how the Rule of 72 can help estimate how long an investment might take to double.In this video, you’ll hear about:How real estate investment trusts (REITs) workWhat dividends are and how they may contribute to investment returnsWhy it’s important to review a company’s financials, price history, and the broader economyHow an S&P 500 index fund offers exposure to many companiesHow the Rule of 72 estimates potential investment growthInvesting involves risk, and past performance doesn’t guarantee future results. Michael encourages viewers to do their own research; this video is for educational purposes and isn’t personalized investment advice.

💰 Most people work hard for their money but were never taught how to make their money work harder.A difference of just a few percentage points in your long-term investment return can potentially mean hundreds of thousands of dollars over your lifetime.For example, investing $500 per month for 35 years produces dramatically different outcomes depending on the return you earn. At approximately 6%, you could accumulate around $700,000. At 9%, the same monthly investment could grow to roughly $1.5 million.*That's an approximately $800,000 difference without increasing the $500 monthly contribution.In this video, I break down why financial literacy matters and the financial principles many of us were never taught, including:💵 Making your income work for you📈 Understanding your retirement and investments💳 Managing debt strategically🛡️ Protecting your income and family👨‍👩‍👧 Teaching the next generation about money🎁 Get My FREE Financial Literacy LessonWant to learn the 5 fundamental steps I teach for building a stronger financial foundation?👉 Get the FREE Financial Literacy LessonYou don't necessarily need more money. You need to understand what the money you already earn is doing.Subscribe for more practical financial education and wealth-building strategies.#FinancialLiteracy #PersonalFinance #Investing #Retirement #WealthBuilding #FinancialFreedom #MoneyManagement*Examples are hypothetical illustrations and do not represent guaranteed investment returns or results.