Money Monday has arrived, and Don kicks off a new weekly series based on his book Financial Fysics. The first “law” may surprise you: according to Don, every dollar ever earned comes from just three sources—luck, theft, or work. He and Tom debate where investing belongs, why entrepreneurship remains one of the best paths to wealth, and how much luck really contributes to financial success.

Then they answer a listener’s retirement planning question about whether to finance a Florida townhouse or withdraw money from a Roth IRA. Along the way they discuss Roth conversion strategy, Florida HOA reserve funds, special assessments, and why building a retirement plan should always come before deciding where the money comes from.

00:00 Welcome to Money Monday
00:12 A new weekly Financial Fysics series begins
01:35 Why anonymous two-star book reviews are so frustrating
02:40 Free Financial Fysics book giveaway
03:50 Rule #1: There are only three ways to make money
04:45 Luck—including investing, lotteries, and inheritance
06:35 Theft, fraud, and unethical financial products
07:55 Why successful investing combines work and luck
10:30 How most great fortunes are actually built
12:10 Entrepreneurship, risk, and creating wealth
13:35 Understanding just how large a trillion dollars really is
15:50 The biggest takeaway from Rule #1
17:15 Preview of next week’s rule: Supply and Demand
18:15 Why listener questions slow down during the summer
19:15 Listener Question: Should a retiree finance a Florida townhouse or withdraw money from a Roth IRA?
21:10 Florida HOA reserves and avoiding expensive surprises
24:30 Why retirement planning comes before choosing an account
26:00 Why the Roth IRA is probably the last account to tap