The Financial Quarterback®: Your Game Plan to Protect Your Money and Retirement for Business and Investing

The Financial Quarterback®: Your Game Plan to Protect Your Money and Retirement for Business and Investing

Step into the financial end zone with "The Financial Quarterback® with Josh Jalinski," your weekly playbook for help in mastering the financial game, protecting your wealth, and securing your retirement. Each episode dives into crucial topics like retirement planning, financial strategies, and estate planning, offering straightforward, actionable advice to shield your wealth from higher taxes and market risks. It's the financial guidance you've been searching for, delivered in a 30-minute format that fits perfectly into your busy life. Host Josh Jalinski, the force behind the podcast, is not just any financial advisor. Recognized by Forbes as one of the "Best-In-State Wealth Advisors 2023" and "America's Top Financial Security Professionals 2023," Josh brings a wealth of knowledge and a unique approach to financial advice. As the founder and CEO of the Jalinski Advisory Group, his radical honesty and friend-in-the-business demeanor have made him a trusted voice in finance, regularly featured on CNBC, Fox Business News, CBS News, and Bloomberg. But the insights don't stop there. On Mondays, we bring you the best of Josh's weekend radio show, "The Financial Quarterback®" on 710 AM WOR in New York City. This isn't your ordinary financial talk; it's a live adventure with real-time listener call-ins, cutting-edge topical segments, and expert guests, all delivered with the excitement only live radio can offer. It's where finance meets fun, turning the start of your week into an engaging financial spectacle. Dive deeper with Josh on his YouTube channel at The Financial Quarterback® for video episodes and shorts. Subscribe on Apple Podcasts, Spotify, or your favorite podcast platform and lock in every episode. With new releases every Monday and Wednesday, "The Financial Quarterback® with Josh Jalinski" is your playbook for helping bulletproof your finances, from retirement savings to lifelong wealth protection.

Episodes

Can You Retire Early? The Income Bridge Most People Miss

February 3, 2026 • 13 mins
Many people are closer to early retirement than they realize, but they’re missing one critical piece: income planning. Josh walks through how income bridges work, why timing matters more than hitting a magic number, and how to think about retirement cash flow before Social Security kicks in. This episode is for anyone who feels financially “close,” but not confident enough to make the leap. Can't get enough of The Financial Quarte...
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Why the 4% Rule Is Broken And What Really Determines Safe Retirement Income Now

January 29, 2026 • 23 mins
For decades, the 4% rule has been treated as gospel for retirement planning... But is it still safe? Josh breaks down why the traditional withdrawal rule may no longer work in today’s market, how Social Security and guaranteed income change the math, and what really determines whether your money lasts as long as you do. Can't get enough of The Financial Quarterback? Click ‘Subscribe’ so you never miss a play. If you’re enjoying th...
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The AI Boom Retirement Trap: Why Record Markets Can Still Wreck Your Retirement

January 8, 2026 • 16 mins
The market is hitting record highs and AI stocks are soaring, but for retirees, this may actually be one of the most dangerous environments in years. In this episode, Josh explains why booming markets don’t automatically mean financial safety, how portfolio concentration and the sequence of returns can quietly threaten retirement income, and why income planning matters more than account balance alone. If you’re retired or approachi...
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Retire Smart: Why Waiting Could Transform Your Financial Future

December 19, 2025 • 12 mins
Are you thinking about retiring in 2026? Before you hand in your laptop, there are critical financial factors to consider. In this episode, Josh breaks down why delaying retirement (even by just a year or two) can dramatically improve your financial security. We'll also discuss key considerations including cash flow planning, Social Security strategies, healthcare costs, market volatility, and tax implications. Whether you’re mapp...
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Left in the Dark: The Financial Mistake Couples Can’t Afford to Make

December 17, 2025 • 18 mins
When one spouse controls the finances and the other zones out, the consequences can be devastating. In this episode, Josh reveals why financial secrecy puts couples at risk both emotionally and financially, and how shared transparency can protect both your relationship and your retirement. We also discuss how “financial infidelity” destroys trust, and lay out practical steps couples can take right now to protect the surviving spous...
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The Biggest Estate Planning Mistakes and How to Avoid Them

December 9, 2025 • 29 mins
Estate planning isn’t just for the wealthy, it’s for anyone who wants to protect what they’ve built. Josh is breaking down 13 essential estate planning moves that can shield your family from unnecessary taxes, lawsuits, probate, and even financial disaster. Whether you’re married, single, retired, or still building your wealth, this episode offers critical guidance to ensure your wishes are honored and your loved ones stay protecte...
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The Millennial Debt Spiral: Causes, Consequences, and Solutions

December 3, 2025 • 21 mins
Millennial debt has quietly surged, and many people would rather talk about their weight or politics than their balances. Josh digs into the psychology behind money shame, why overspending feels so normal, and the simple behavioral strategies that can transform your financial life. If you’re feeling overwhelmed, this conversation will give you clarity, confidence, and a real plan to move forward. Can't get enough of The Financial ...
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Consistency Over Perfection: The Real Secret to Building Wealth

November 28, 2025 • 26 mins
If you’ve ever tried (and failed) to stick to the “perfect budget,” you’re not alone. Today Josh dives into why perfectionism ruins more financial plans than bad investments, and how real people succeed by being consistent instead. We're talking about why old-school envelope budgeting still works, how to avoid lifestyle creep, and why paying yourself first beats any complicated system. This is a fun, practical conversation about mo...
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The Pay Yourself Rule: Creating Your Own Retirement Paycheck

November 25, 2025 • 17 mins
Today Josh is explaining the Pay Yourself Rule: a simple framework for turning your nest egg into a reliable retirement paycheck. Learn how to automate income, avoid costly mistakes, and protect your savings from market volatility, all while building a plan that supports both your needs and your lifestyle goals. Can't get enough of The Financial Quarterback? Click ‘Subscribe’ so you never miss a play. If you’re enjoying the show, ...
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Why Your Taxes Might Increase in Retirement — and Potential Solutions

November 19, 2025 • 28 mins
From RMDs and Roth conversions to Medicare IRMAA and year-end bonuses, Josh is breaking down how simple income decisions can trigger thousands in extra taxes, and how to avoid it. If you're 5–10 years from retirement and want to keep more of what you’ve earned... You don't want to miss this. Can't get enough of The Financial Quarterback? Click ‘Subscribe’ so you never miss a play. If you’re enjoying the show, leave a 5-star rating...
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The Hidden Tax Advantages of Real Estate Investing

November 11, 2025 • 43 mins
Real estate remains one of the most powerful long-term wealth strategies. Josh breaks down how leverage, depreciation, and 1031 exchanges can help you grow faster, pay less in taxes, and protect against inflation... Plus, the common mistakes investors make. Can't get enough of The Financial Quarterback? Click ‘Subscribe’ so you never miss a play. If you’re enjoying the show, leave a 5-star rating and drop a review—it helps keep t...
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Retire at 45? The FIRE Movement Myths No One Talks About

November 4, 2025 • 31 mins
You always hear talk about retiring early... but is it actually realistic? From savings rates and side hustles to emotional readiness and the risk of post-retirement depression, Josh explores the pros and cons of the FIRE movement, and blind spots people forget to plan for. Can't get enough of The Financial Quarterback? Click ‘Subscribe’ so you never miss a play. If you’re enjoying the show, leave a 5-star rating and drop a revie...
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Safety, Income, Growth: Building a Smarter Retirement Plan

October 30, 2025 • 21 mins
Today we're breaking down a real world case study that might hit close to home for you if you're nearing retirement... Linda just sold her business and wants safety, but her cash is now exposed to taxes, inflation, and falling interest rates. Josh explains the SIG framework (Safety, Income, Growth) and explains how municipal bonds, annuities, and selective equities can protect purchasing power while reducing tax drag in retirement....
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Millionaire Habits: The Real Keys to Retiring Early

October 24, 2025 • 30 mins
Can the average person really retire early, or is that dream reserved for the ultra-wealthy? Josh breaks down some of the habits self-made millionaires use to achieve financial freedom ahead of schedule. From keeping housing and car costs low to cooking at home and minimizing student debt, we discuss how small lifestyle choices can add up to millions over time. Can't get enough of The Financial Quarterback? Click ‘Subscribe’ so yo...
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Gold Rush 2.0: Is Your Money Losing Value?

October 22, 2025 • 34 mins
Gold is soaring, Bitcoin’s booming, and confidence in the dollar is slipping... So what does that mean for your money and your legacy? Josh breaks down the new “debasement trade,” why investors are fleeing fiat currency, and how everyday savers can protect their wealth through smart diversification. From gold ETFs to digital assets and balanced portfolios, learn how to build an anti-fragile plan that weathers inflation and uncertai...
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Permission to Spend: How to Enjoy Retirement Without the Guilt

October 14, 2025 • 46 mins
Today we're tackling one of retirement’s biggest challenges: giving yourself permission to actually enjoy your money. From clients afraid to spend, to strategies for balancing growth with security, Josh breaks down how to shift from saving to living. Discover how a real financial plan can help you spend confidently, protect your legacy, and make your retirement truly rewarding. Can't get enough of The Financial Quarterback? Click ...
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Smart Social Security Moves & What Every Generation Can Learn About Investing

October 7, 2025 • 27 mins
We're diving into two powerful conversations that every listener can relate to: how to retire confidently and how to invest wisely, no matter your age. Josh tackles real-life retirement planning, how to decide when to take Social Security, how to balance taxes and income, and what Boomers, Gen X, Millennials, and Gen Z can teach each other about building wealth. Can't get enough of The Financial Quarterback? Click ‘Subscribe’ so y...
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4 Money Habits to Skip in Your 20s (and What to Do Instead)

September 30, 2025 • 27 mins
Today we're uncovering the costly habits that can derail your finances in your twenties, and how avoiding them can set you up for long-term success. From lifestyle creep and convenience spending to housing choices and travel trade-offs, Josh shares the strategies he used to build wealth early, along with timeless lessons on compounding and delayed gratification. Whether you’re in your twenties now, or guiding kids and grandkids thr...
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The Fed Cuts Rates: What It Really Means for Your Money

September 26, 2025 • 38 mins
Rates are down, but the story isn’t as simple as cheaper mortgages. Josh is unpacking the Fed’s latest cut, explaining how it ripples through savings accounts, credit cards, housing, retirement planning and more. From refinancing to locking in higher yields, find out how to adjust your financial strategy before the window closes. Can't get enough of The Financial Quarterback? Click ‘Subscribe’ so you never miss a play. If you’re e...
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Retirement Risk: The New Frontier of 401(k) Investing

September 23, 2025 • 18 mins
We're taking a dive into an executive order shaking up 401(k) plans, exploring the risks and rewards of adding crypto, private equity, and hedge funds to retirement portfolios. Josh also breaks down the implications of a major AI infrastructure deal and what it signals for investors. Plus, with $7 trillion sitting in money market funds, Josh explains why cash might be a trap, and how long-term investors can position themselves for ...
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