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Retire Texas Style!

Retire Texas Style!

Written by: Steve Hoyl
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Steve Hoyl and Derrik Caldwell have worked tirelessly to craft personalized, high-quality financial services to a diverse group of clients at all income levels. As a lifelong resident of the Texas Panhandle, Steve has a unique insight into the passions, motivations and concerns of his client. It’s this connection with community — alongside more than three decades of industry experience — that allows Steve and Derrik to create retirement strategies that are as unique as the clients they serve and the places they live.

Learn more about Steve, Derrik and the rest of the team here.

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2026 Steve Hoyl Economics Personal Finance
Episodes
  • Retirement Then vs. Now: What Changed the Most?

    Retirement Then vs. Now: What Changed the Most?
    Jul 7 2026

    Is retirement harder today than it was 30 years ago—or do we just have more choices and more noise? Steve Hoyl explores how retirement planning has evolved, from the days of pensions to today's challenges of inflation, taxes, Social Security misconceptions, and online financial advice. Steve shares real client stories, discusses the impact of required minimum distributions (RMDs), and explains a creative way some families are using retirement assets to help future generations. The conversation also tackles FOMO, YOLO, and JOMO and how each mindset can influence retirement decisions.

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    15 mins
  • The Retirement Mistake That Has Nothing to Do With Money

    The Retirement Mistake That Has Nothing to Do With Money
    Jul 2 2026

    What if retirement isn't about having more money, but having a better plan? Steve Hoyl and Derrek Caldwell discuss why many people feel overwhelmed by retirement decisions and how a step-by-step approach can bring clarity. They break down key elements of retirement planning, including income needs, spending habits, taxes, legacy considerations, risk management, and forgotten 401(k)s. The conversation highlights common planning mistakes, the importance of understanding your risk score, and why retirement strategies should evolve as life changes.

    Get Your Complimentary Retirement Analysis

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    See omnystudio.com/listener for privacy information.
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    17 mins
  • The $100 Chuck E. Cheese Problem No One Connects to Retirement

    The $100 Chuck E. Cheese Problem No One Connects to Retirement
    Jun 23 2026

    A simple trip to Chuck E. Cheese reveals a costly truth about retirement planning. Steve Hoyl connects everyday expenses and rising prices to bigger financial challenges, highlighting how inflation, risk, and changing retirement structures impact long-term security. From shrinking buying power to market volatility and the decline of pensions, the conversation centers on balancing spending today with preparing for tomorrow. They also discuss the importance of income strategies, emergency funds, and understanding where money goes in a fast-moving financial world shaped by uncertainty.

    Get Your Complimentary Retirement Analysis

    Social Media: Facebook | X

    See omnystudio.com/listener for privacy information.
    Show More Show Less
    18 mins
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