Most people want to talk about investing. Stock picks, portfolio allocation, whether they're positioned right. Those are real questions — but they're the wrong starting point if the foundation underneath isn't solid.

In this episode, Wheeler and Colin go back to basics: knowing what you actually spend, building reserves that can absorb the unexpected, and protecting your income against the things you're least likely to plan for. The conversation is anchored around three questions every household should be able to answer — what happens if you lose your job, what happens if you lose your health, and what happens if you lose your life. Most people can't answer even one of them.

They cover why thinking in categories misleads you when it comes to spending, why the emergency reserve math changes in an AI economy where high-earning white-collar jobs are increasingly at risk, and why disability insurance is the most underused protection in personal finance. The stats are sobering: a 24% chance of becoming disabled before retirement age versus a 13% chance of dying early. Two real client stories show what happens when the coverage is in place — and what it makes possible.

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Wheeler’s LinkedIn: https://www.linkedin.com/in/wheeler-crowley-0a63933b/
Colin’s LinkedIn: https://www.linkedin.com/in/colin-walker-mba-6099a038/

Credits:
Created By: Wheeler Crowley and Colin Walker
Production, Editing and Post-Production: Tori Rothwell