Podcast
đ§Ș The VIP Retirement Income Lab
Hosted by Patrick Huey · EN
The VIP Retirement Income Lab, with Patrick Huey, CFPÂź, helps turn portfolios into paychecks. If youâre within five years of retirement â or five years into it â youâve probably realized that saving was the easy part.
In The Retirement Income Lab, we âtestâ real-world retirement decisions so you donât have to test them on your own portfolio.
Patrick Huey is an investment advisor representative of Dynamic Wealth Advisors dba Victory Independent Planning, LLC. All investment advisory services are offered through Dynamic Wealth Advisors. Patrick Huey is the author of two books: "History Lessons for the Modern Investor" and "The Seven Pillars of (Financial) Wisdom"; this is considered an outside business activity for Patrick Huey and is separate and apart from his activities as an investment advisor representative with Dynamic Wealth Advisors. The material contained in these books are the current opinions of the author, Patrick Huey but not necessarily those of Dynamic Wealth Advisors.
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đ Oversharing, Olympic Drama, and the Long Game
Feb 2000:13:08Tap to summarizeIn a world where everything is live-streamed, even an Olympic skierâs postârace confession can turn into a global headline in seconds. But what happens when we bring that same âoversharingâ impulse to our money?In this episode, I walk through:đżWhat Januaryâs data is really telling usđżWe start with the skierâs nowâfamous onâcamera infidelity announcementânot for the gossip, but for what it says about reacting in public, in real time. From there, we dig into the latest numbers and how they actually fit together:đżThe big question: Do these mixed signals justify blowing up your portfolio on a headlineâor do they argue for steady, boring discipline?âNext, we jump back to February 22, 1946, when diplomat George F. Kennan sent the famous âLong Telegramâ from Moscowâa dense, 5,000âword cable that quietly helped define U.S. strategy for the entire Cold War.No hashtags. No press conference. Just one careful, private document laying out a longâterm framework (âcontainmentâ) instead of a series of emotional reactions.From Kennanâs memo, we pull out a few Lessons for the Modern Investor:âBeware simple stories about complex systemsâThink in years and decades, not news cyclesâPrivate analysis beats public dramaâMake course corrections, not wild swingsPut together, the skierâs oversharing moment and Kennanâs very unâInstagrammable telegram give us a useful contrast: You can live in a world that never blinks without letting every blink rewrite your financial life.If youâve ever felt tempted to âgo to cashâ after one scary headlineâor to chase the latest hot sector after one great monthâthis episode is for you.#WinterOlympics #OlympicDrama #Oversharing #SocialMediaCulture #InvestorBehavior #BehavioralFinance #EmotionalInvesting #LongTermInvestor #StayTheCourse This is a public episode. If you would like to discuss this with other subscribers or get access to bonus episodes, visit hl4tmi.substack.com
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đŻđ”Tokyo Driftâ Sharp Edges & Punch Proof Plans for Your Retirement
Feb 1100:11:14Tap to summarizeSharp Edges, Surprise Knockouts & Your Money đđ„đ°In this episode, we mash up two very different worldsâthe Winter Olympics in MilanâCortina and Buster Douglas knocking out Mike Tyson in 1990âto pull out some practical History Lessons for the Modern Investor.Youâll see how:The economy looks more like a solid Olympic run than a wipeoutâïž Services are still âskatingâ forwardâïž Manufacturing finally lands a clean jumpâïž Earnings keep putting up quietly strong numbersBuster Douglas vs. Mike Tyson explains a lot of investor mistakesđ„ Why âdominantâ doesnât mean âsafeâđ„ How underdogs (unloved assets) can surprise youđ„ What âEverybody has a plan until they get punched in the mouthâ really means for your retirementWhat this means for your planđ Donât rebuild your portfolio after every tiny wobbleđ Donât bet your future on one âTysonâ stock, sector, or storyđ Do build a plan that can take a hit and still be standing at the final bellWatch this if you want fewer jumpâscares from your portfolio and more longâgame, medalâround thinking. đ„#Investing #PersonalFinance #RetirementPlanning #BehavioralFinance #HistoryLessons #FinancialPlanning #WealthBuilding #StockMarket #Economy #WinterOlympics This is a public episode. If you would like to discuss this with other subscribers or get access to bonus episodes, visit hl4tmi.substack.com
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âïž Snow Days & Slow Data: How to Keep Your Money Warm When Headlines Freeze Over
Jan 2800:09:24Tap to summarizeWhen a winter storm rolls in, the world outside can look like pure crisis: whiteouts, closed roads, canceled flights, and âdo not travelâ warnings everywhere. But inside most homes? The lights are on, the heat works, and life mostlyâŠadjusts.Right now, the economy looks a lot like that.In this weekâs episode, we step inside from the blizzard of headlines and look at whatâs actually happening underneath the noiseâand what it means for your portfolio, retirement plan, and sanity.In this video, we break down:â Snow vs. structure: Why scary headlines (storms, shutdown quirks, tariff noise) donât necessarily mean your financial âhouseâ is in troubleâ Income & GDP: Paychecks still coming in warm, and a sturdier economic foundation than the forecasts impliedâ Inflation & the Fed: Less âblizzard,â more âlow visibilityââwhat a slower path to rate cuts really means for longâterm investorsâ Earnings season: Early Q4 results show some icy patches, but 10 straight quarters of earnings growth = still moving forwardâ Your plan in a storm: How to build a financial structure (savings, allocation, and tax strategy) that lets you watch from the couch instead of trying to steer from an icy highway shoulderPlus, we tie in a History Lessons segment on Thomas Edisonâs light bulb patentâbecause moving from occasional bright flashes to a steady, reliable glow is exactly what your financial life should aim for.If you know someone who treats every economic snowflake like the start of the next Ice Age, send this their way. The goal isnât to control the weather; itâs to build a houseâand a planâthat can handle winter.đ Watch now to warm up your perspectiveâand hit subscribe for historyâbacked, noâpanic briefings every week.#HistoryLessons #Investing #SnowDay #Markets #Inflation #RetirementPlanning #FinancialPlanning #WeeklyBriefing #WinterStormFern This is a public episode. If you would like to discuss this with other subscribers or get access to bonus episodes, visit hl4tmi.substack.com
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â No Bars or Gold Bars - How Not To Plan For Retirement
Jan 2100:09:37Tap to summarizeIn this episode, I mash up two very different stories with the same lesson: Verizonâs massive âno barsâ outageâŠand the original Gold Rush at Sutterâs Mill.First, we look at how one bad software update turned a highly efficient, centralized network into an instant SOS sign â and what that says about portfolios and retirement plans that rely on a single âcarrierâ: one stock, one sector, one employer, one big idea.Then we jump back to 1848, when a few flakes of gold in a California river triggered a global frenzy. Most prospectors didnât get rich. The real winners were the people selling shovels, supplies, and services â the ones who got paid whether any one claim hit or not.In the video, I cover:đ” Why concentration (in a job, a stock, or a âcanâtâmissâ theme) feels smart right up until it breaksđ ïž How to think more like a network engineer and a shovel seller: build redundancy and own broad exposure to the real economyđ§ Why a durable retirement plan doesnât need perfect timing or a giant strikeâjust resilience and good habits over timeIf you know someone whose financial life is basically âhope my phone never dropsâ or âfind the next gold mine,â share this with them. They donât need more bars or more gold; they need a better plan.Give this video a thumbs up if you enjoyed watching đ#RetirementPlanning #gold #verizonwireless #Investing #PersonalFinance #BehavioralFinance #FinancialIndependence #WealthBuilding #HistoryLessons #FinancialPlanning This is a public episode. If you would like to discuss this with other subscribers or get access to bonus episodes, visit hl4tmi.substack.com
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â ïžThe New Food Pyramid & Your Investments | Wikipedia: When âGood Enoughâ Changed Everything
Jan 1300:10:27Tap to summarizeThis week, we demolished the food pyramid. We grew up with a neat little triangle that promised health⊠and delivered the opposite. The lesson? Itâs not the diagram that matters, itâs the results.In this week's History Lesson for the Modern Investor: On January 15, 2001, Wikipedia went live and quietly changed how we deal with information: from slow, expert-only encyclopedias to a messy, âgood enough for nowâ system that improves over time. The same thing has happened in investingâdata, opinions, charts, and âtax hacksâ are everywhere. Your edge now isnât access to info; itâs judgment. A solid financial plan looks a lot like a good Wikipedia article:â It cites its sources: written goals, realistic return assumptions, and a basic tax planâ It avoids constant âedit warsâ: no overreacting to every headline or market twitchâ It follows âpublish, then improveâ: start simple and diversified now, refine over timeâ It has a clear talk page: real conversations about tradeoffs (Roth vs. traditional, pay debt vs. invest, when to claim Social Security)If your retirement strategy is still a stub with no clear rationale behind it, the solution isnât more noiseâitâs a disciplined edit.Book a time with me here: https://freebusy.io/victoryindependentplanning-VIP-Booking/complimentary-consultation#wikipedia #foodpyramid #maha #PersonalFinance #Investing #FinancialPlanning #BehavioralFinance #FinancialWellness #MoneyMenu This is a public episode. If you would like to discuss this with other subscribers or get access to bonus episodes, visit hl4tmi.substack.com
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đžAs You Wish â The Princess Bride, Rob Reiner, and an Economy You Can Read Any Way You Like
Dec 2900:02:50Tap to summarizeThe news about Rob Reiner and his wife's tragic passing last week hit a lot of us harder than we expected.For my generation, he wasnât just âa director.â He was the voice behind the stories we grew up on: The Princess Bride, Stand By Me, When Harry Met Sally⊠movies you can watch as a kid, rewatch as an adult, and realize youâve actually been seeing different films each time.đž The line thatâs been stuck in my head all week is the simplest one in The Princess Bride: âAs you wish.â On the surface, itâs obedience. Underneath, itâs something completely different. That was Reinerâs geniusâlayers of meaning, hiding in plain sight.Right now, the economy looks a lot like that.The same data on jobs, inflation, spending, and housing. Same numbers. Different stories. As you wish.I recorded a short video reflecting on that line, what it says about the stories we tell ourselves, and why the narratives we choose matter so much in how we move through the world.hashtag#RobReiner hashtag#ThePrincessBride hashtag#AsYouWish hashtag#Storytelling hashtag#LifeLessons This is a public episode. If you would like to discuss this with other subscribers or get access to bonus episodes, visit hl4tmi.substack.com
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đŠ Plain Vanilla Prosperity: Retirement Lessons from Harry Truman
Dec 2900:08:06Tap to summarizeHarry Truman left the White House having made some of the biggest decisions of the 20th centuryâthen went home to a normal house, a simple pension, and a life without yachts, book deals, or corporate board paychecks. No empire. No âbrand.â Just enough.In this episode of History Lessons for the Modern Investor, we use Trumanâs life after the presidency as a blueprint for everyday investors and retirees who want dignity, stability, and independenceâwithout needing a lottery ticket portfolio.In this video, youâll learn how to: â Use living below your means as your real superpower (even in your highest-earning years)â Separate status from your financial plan so your lifestyle isnât chained to your job titleâ Build a âTruman portfolioâ: simple, diversified, low-cost and actually understandableâ Think in afterâtax, afterâfee dollarsâand why planning around taxes quietly extends retirement securityTrumanâs story is a reminder that finishing well doesnât require being richâit requires being intentional. You donât need the worldâs approval or the flashiest investments. You need a clear definition of âenough,â and a plan that calmly gets you there.đ Watch now to see how Harry Trumanâs quiet choices can reshape your approach to saving, investing, and retiringâand subscribe for a new history-backed briefing every week.#HistoryLessons #Investing #RetirementPlanning #HarryTruman #FinancialIndependence #SimpleLiving #TaxEfficiency #WeeklyBriefingThis episode is sponsored by Victory Independent Planning. Ready to take the stress out of your retirement? At Victory Independent Planning, we put you on the right trajectory with our exclusive VIP Retirement Glidepathâąïž!Schedule an assessment now: CLICK HEREđŻPatrick Huey is a small business owner and the author of three books on history and finance as well as the fictional work Hell: A Novel. As owner of Victory Independent Planning, LLC, Patrick works with families and non-profit organizations. He is a CERTIFIED FINANCIAL PLANNERâą professional, Chartered Advisor in PhilanthropyÂź, and an Accredited Tax Preparer. He earned a Bachelorâs degree in History from the University of Pittsburgh and a Master of Business Administration from Arizona State University. Patrick previously served as a Naval Flight Officer from 1996 to 2005, earning the Strike Fighter Air Medal during combat operations and two Navy Achievement Medals. đđ» Reach him at 877-234-8957 or schedule a time NOW. This is a public episode. If you would like to discuss this with other subscribers or get access to bonus episodes, visit hl4tmi.substack.com
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đInvestors Don't Needs Miracles, Just A Plan
Feb 21, 202500:05:55Tap to summarizeThanks for reading History Lessons for the Modern Investor! Subscribe for free to receive new posts and support my work.On February 22, 1980, the U.S. hockey team defeated the Soviet Union in the "Miracle on Ice" at the Winter Olympics. The "Miracle on Ice" was a historic game during the 1980 Winter Olympics in Lake Placid, New York, where the underdog U.S. menâs hockey team defeated the heavily favored Soviet Union. At the time, the Soviet team was considered the best in the world, having won four consecutive Olympic gold medals since 1964. They had also dominated the U.S. team in an exhibition match just weeks before, winning 10-3. The U.S. team, coached by Herb Brooks, was composed mainly of college players, while the Soviets were seasoned professionals. Despite this, the Americans played with discipline and heart. After falling behind 3-2 in the second period, the U.S. rallied in the third, with Mike Eruzione scoring the go-ahead goal to make it 4-3. In the final moments, as the clock ticked down, broadcaster Al Michaels delivered his famous call: "Do you believe in miracles? YES!" The U.S. held on for the 4-3 victory, stunning the world. They went on to defeat Finland two days later, securing the gold medal. The "Miracle on Ice" became one of the greatest upsets in sports history and a defining moment in Cold War-era American sports.The "Miracle on Ice" offers several powerful lessons for modern investors:đ„ 1. Preparation and Strategy Matter. Herb Brooks meticulously prepared his team with a disciplined system tailored to counter the Soviets. A well-researched investment strategy beats impulsive decisions. Understand markets and stay disciplined in execution.đ„ 2. Underdogs Can Win. The U.S. team, made up of amateurs, overcame one of the greatest teams in history. Small investors can outperform larger institutions by leveraging patience, knowledge, and innovative strategies. Successful retail investors don't have to put their results up for scrutiny every quarter, which should make them more long-term focused. đ„ 3. Adaptability is Key. The U.S. team adjusted its playing style, focusing on conditioning and speed rather than brute force. Market conditions changeâadaptability ensures long-term success. Whether itâs shifting from growth to value stocks or embracing boring T Bills, flexibility is crucial.đ„ 4. Ignore the Noise. Before the game, most believed the U.S. had no chance, but they focused on their plan rather than external doubts. Market noise (media hype, panic, speculation) can be misleading. Stick to fundamentals and avoid emotional investing.đ„ 5. Resilience Wins the Game The U.S. came from behind to win, proving that perseverance is critical. Markets have ups and downs, and panic selling is a sure way to find yourself in the penalty box.đ„ 6. Teamwork and Leadership Matter. Brooks built a cohesive unit where everyone had a role. Investing doesn't have to be a solo sportâ surrounding yourself with the right people improves decision-making.Thanks for reading History Lessons for the Modern Investor! This post is public so feel free to share it.History Lessons for the Modern Investor | Economic Trends & Market Insights Explore the past to make sense of the present! This playlist breaks down key historical events and their impact on todayâs financial markets. From understanding inflation and interest rates to analyzing the 10-year Treasury yield, we connect the dots between history and modern investing. Learn how figures like Elon Musk influence the economy, what past trends say about todayâs economic calendar, and even answer questions like "Where is my tax refund?" and how tax refunds affect consumer spending. Stay ahead of the curve by using history as your guide to smarter investing! đđ This episode is sponsored by Victory Independent Planning. Ready to take the stress out of your retirement? At Victory Independent Planning, we put you on the right trajectory with our exclusive VIP Retirement Glidepathâąïž! Schedule an assessment now: https://freebusy.io/victoryindependentplanning-VIP-Booking/phone-consultation đŻPatrick Huey is a small business owner and the author of three books on history and finance as well as the highly-rated recently-released fictional work Hell: A Novel. As owner of Victory Independent Planning, LLC, Patrick works with families and non-profit organizations. He is a CERTIFIED FINANCIAL PLANNERâą professional, Chartered Advisor in PhilanthropyÂź and an Accredited Tax Preparer. He earned a Bachelorâs degree in History from the University of Pittsburgh, and a Master of Business Administration from Arizona State University. Patrick previously served as a Naval Flight Officer from 1996-2005, earning the Strike Fighter Air Medal during combat operations and two Navy Achievement Medals. đđ» Reach him at 877-234-8957 or schedule a time to talk using this link: https://freebusy.io/victoryindependentplanning-VIP-Booking/phone-consultation #HistoryPodcast #InvestingTips #HockeyTalk #OlympicsInsight #SportsAndFinance #HockeyHistory #OlympicLegends #WealthWisdom #GameChangers #GoldMedalMindset #teamusa This is a public episode. If you would like to discuss this with other subscribers or get access to bonus episodes, visit hl4tmi.substack.com
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đșA Treasured Lesson About Suitable Advice
Feb 13, 202500:05:17Tap to summarizeThanks for reading History Lessons for the Modern Investor! Subscribe for free to receive new posts and support my work.On February 16, 1923, Archaeologist Howard Carter unsealed the burial chamber of Pharaoh Tutankhamun in Egypt's Valley of the Kings, revealing treasures that had been hidden for over 3,000 years. Pharaoh Tutankhamun, often called the âBoy King,â was an Egyptian pharaoh of the 18th Dynasty who ruled from around 1332 to 1323 BCE during the New Kingdom period. He ascended to the throne at about nine or ten years old, following the controversial reign of Akhenaten, who had attempted to shift Egyptâs religious focus to the worship of a single god, Aten. During Tutankhamunâs brief rule, he worked to restore the traditional polytheistic religion and reinstate the power of the priests of Amun. Though his reign was relatively short and unremarkable in terms of military or political achievements, his legacy became legendary after the discovery of his nearly intact tomb in 1922 by British archaeologist Howard Carter. The tomb, located in the Valley of the Kings, contained an astonishing array of treasures, including a solid gold coffin, a famous golden death mask, and thousands of artifacts that provided unprecedented insight into ancient Egyptian life and burial practices. Tutankhamun likely died around the age of 18, with theories suggesting a combination of genetic disorders, infections, or injuries as possible causes. Despite his early death and limited historical impact as a ruler, the discovery of his tomb captured global fascination and ignited a modern obsession with ancient Egypt. Today, Tutankhamun remains one of the most famous pharaohs, symbolizing the grandeur, mystery, and enduring legacy of ancient Egyptian civilization for no particular reason. You see, Tutankhamun has much in common with todayâs social media influencers and television talking heads who are famous forâŠbeing famous. Here is the Lesson for the Modern Investor from the ancient and unspectacular life of the Pharaoh Tutankhamun:Don't trust famous people just because they are famous. If your investment strategy is based on the hot stock tips of a celebrity or a loud TV personality who yells "BUY, BUY, BUY!" like theyâre selling used cars, you might as well go looking for treasure in Egypt. Remember, famous people make their money from being famous, not from making you rich. These people don't know you, don't know your goals and aspirations, and they donât know your financial situation. So their advice is general at best and useless at worst. Just because Mark Cuban is on Shark Tank and made one good investment back in the 90s doesn't make his current investment advice suitable for you. After all, his NBA team just traded away their best player. So, maybe heâs not good at everything. When your own grandeur and legacy are riding on it, make sure you are getting personalized advice.Thanks for reading History Lessons for the Modern Investor! This post is public so feel free to share it.This episode is sponsored by Victory Independent Planning. Ready to take the stress out of your retirement? At Victory Independent Planning, we put you on the right trajectory with our exclusive VIP Retirement Glidepathâąïž! Schedule an assessment now: https://freebusy.io/victoryindependentplanning-VIP-Booking/phone-consultation đŻPatrick Huey is a small business owner and the author of three books on history and finance as well as the highly-rated recently-released fictional work Hell: A Novel. As owner of Victory Independent Planning, LLC, Patrick works with families and non-profit organizations. He is a CERTIFIED FINANCIAL PLANNERâą professional, Chartered Advisor in PhilanthropyÂź and an Accredited Tax Preparer. He earned a Bachelorâs degree in History from the University of Pittsburgh, and a Master of Business Administration from Arizona State University. Patrick previously served as a Naval Flight Officer from 1996-2005, earning the Strike Fighter Air Medal during combat operations and two Navy Achievement Medals.đđ» Reach him at 877-234-8957 or schedule a time to talk using this link: https://freebusy.io/victoryindependentplanning-VIP-Booking/phone-consultation#AncientWealth #TutankhamunGold #PharaohsAndFortunes #InvestingTips #StockMarket #WealthBuilding #FinancePodcast #MoneyMatters #HistoryLovers #HiddenHistory #HistoryPodcast #PastToPresent #AncientSecrets #Tutankhamun #AncientEgypt #MummyMysteries #PharaohsCurse #Egyptology #PodcastLife #TrendingPodcast #ListenNow #NewEpisode #podcastrecommendations This is a public episode. If you would like to discuss this with other subscribers or get access to bonus episodes, visit hl4tmi.substack.com
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đ Tune Up Your Investing Strategy By Tuning In To Fantasy Football
Feb 7, 202501:01:00Tap to summarizeIn this episode we are talking Fantasy Football with JJ Zachariason. JJ wrote an e-book called The Late-Round Quarterback in 2012. And it changed his life. That document led him to a job at numberFire, where he helped build the siteâs content business from the ground up. numberFire was later bought by FanDuel in 2015, and he went on to spend years as the companyâs Editor-In-Chief. There, he developed one of the most popular podcasts in the fantasy football industry. He eventually left the gig to start Late-Round Fantasy Football in January of 2022. JJâs now talked to an audience of fantasy football diehards for more than a decade. Heâs met lifelong friends, won Fantasy Sports Writers Association awards, and worn gym shorts nearly every day of his 13-year career as a fantasy analyst. When JJâs not shouting into his microphone about fantasy football, heâs hanging out with his wife and two kids or riding his Peloton. Like me, he graduated from the University of Pittsburgh and grew up in Western PA. Yinzers unite!As usual, stick around for ways you can use history or fantasy football to become a better investor. Enjoy!_________________________________________________________________________ đŻPatrick Huey is a small business owner and the author of two books on history and finance as well as the highly-rated recently-released fictional work Hell: A Novel. As owner of Victory Independent Planning, LLC, Patrick works with families and non-profit organizations. He is a CERTIFIED FINANCIAL PLANNERâą professional, Chartered Advisor in PhilanthropyÂź and an Accredited Tax Preparer. He earned a Bachelorâs degree in History from the University of Pittsburgh, and a Master of Business Administration from Arizona State University. Patrick previously served as a Naval Flight Officer from 1996-2005, earning the Strike Fighter Air Medal during combat operations and two Navy Achievement Medals. đđ» Reach him at 877-234-8957 or schedule a time to talk using this link: https://freebusy.io/victoryindependentplanning-Patrick-Hueys-booking-Page/historylessonspodcast#ModernInvestor #HistoryLessons #FantasyFootball #Investing #LateRoundStrategy #JJZacharison #FootballFinance #WealthBuilding #SmartInvesting #FantasyFootballTips #MoneyManagement #HistoricalFinance #GamePlanForSuccess #NFLInvesting #WinningStrategy #FinancialPlaybook #InvestLikeAPro #WealthThroughSports #FantasyFootballAdvice #EconomicHistory #FinancialWisdom This is a public episode. If you would like to discuss this with other subscribers or get access to bonus episodes, visit hl4tmi.substack.com
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