Finances the Other "F" Word

On today’s episode, host Mel O CFP dives deep into the world of Homeowners Associations—better known as HOAs—and unpacks why so many people have a love-hate (or just plain hate) relationship with them. From personal stories of financial hardship to the long, often ugly history of HOAs rooted in discrimination and systemic inequality, this episode pulls no punches.

Mel walks us through how HOAs originated i...

In this urgent episode, host Mel O, CFP, tackles the critical fallout from the unprecedented firing of the Bureau of Labor Statistics commissioner by the Trump administration. Mel O pulls back the curtain on how manipulating key economic data not only shakes the foundation of America’s financial system, but hits the 99% hardest—impacting everything from your job security to your retirement, investments, an...

Today Mel talks about the complex and often infuriating world of private equity—and she is not holding back. Fueled by Slayer and a fair dose of righteous anger, Mel unpacks how private equity firms have wormed their way into nearly every corner of the American economy, from the hospitals caring for our loved ones to the grocery stores stocking our shelves.

Mel breaks down how these firms use intricate lay...

From the Wall Street crash of 1929 to the housing collapse of 2008, this episode breaks down how economic disasters unfold—and how the 99% always bear the brunt. Mel O explores the policies, corporate greed, and systemic decisions that triggered both crashes, how financial protections like the FDIC came to be, and why today’s wealth gap mirrors the warning signs of the past. You’ll also hear why the middle class—not the 1%—is the r...

Join Mel O as she dives deep into the complexities around America’s mounting national debt and the latest "big beautiful" tax bill making waves in Washington. In this episode, you'll get an unfiltered, passionate breakdown of what $36.21 trillion in national debt really means for everyday Americans—not just politicians and pundits. Mel O explains the basics of how government bonds work, why the recent downgrade...

In this episode, Mel O returns to the mic after a hiatus, re-energized to tackle what’s happening at the intersection of crypto and the traditional banking system—and why it matters to you, your wallet, and your kids’ futures.

We discusses S the latest political and economic moves shaking up the financial system, including a controversial Senate bill that could add trillions to the deficit and the looming ...

In today's episode,  we explore amendments 10 through 14, delving into their historical context, the court cases that have shaped their interpretation, and their impact on today's legal landscape.

From state sovereignty to the foundational principles of equal protection and birthright citizenship.

Are your rights being violated?

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Today, we discuss the extensive losses of the 2025 California wildfires and potential ramifications to the insurance industry.  Can the industry pay the large number of claims that will be filed in the wake of the natural disaster.  Is there any correlation to 2008?  Mel O CFP discusses this and more. 

Catch Mel O Live on the Stationhead app @momentofmetal Wedne...

In today's episode, Mel O dives into the evolving financial landscape that is 2025. She also discusses minors on social media generating income from explicit content while navigating the complexities of parental consent and ethical implications. Tax code changes and increased standard deductions.  Is it more intersting than it sounds!

Is MAGA right?

Today, I discuss the complex interplay between demographics, economy, and global politics in "Makin Babies." I explore how historical and current trends impact our financial landscape. 

The conversation delves into the power dynamics of declining birth rates, the strain on social security systems, and the critical importance of women's part...

Today, I discuss the dangers of election betting and how it can change election outcomes for you adn me.  We discuss the dangers of foreign interfernece in our election process and how we are literally turning over the keys to let them do so.  

Catch Mel O Live on the Stationhead app @momentofmetal Wednesday at 6 AM Pacific Time.