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Send us Fan Mail Season 3, Episode #50. Not Me, But You! Podcast    Email me at [email protected]. Or contact/follow me on X at: Waypa Today. I offer private coaching. Contact me to set up a FREE 20 Zoom call to see if working together makes sense.  STRC is a place where I park cash to earn 12% per year on my money. STRC is a Bitcoin play. If you believe in Bitcoin then this an asset you may want to consider. STRC is tied to the company MSTR which holds over 700,000 Bitcoin on their company balance sheet. Earlier this year, the price of STRC dropped in the $70 range. If you believed the alleged "news" reports/predictions you might have been scared into panic selling. But for people that held on and continued to buy shares, they were rewarded when the price recovered to $99/share.  STRC pays a dividend TWO times per month! Entry points when investing CAN matter. But it's best to look forward and not focus on what already happened. What can you accomplish today? Focus on that.  I started in field of education before switching to the healthcare field. I walked away from a "guaranteed" pension and then learned how to create my own "pension" through investing.  What do wealthy people do when they get "new" money into their bank account? Answer: they look to buy ASSETS. What do poor people do when they get "new' money? Answer: they look to buy THINGS! If you buy things, the money is gone forever. If you buy assets that pay dividends, you have INCOME consistently.  It takes courage to be a successful investor because it involves taking risks. The same is true of great leaders-it takes courage to be a great leader.  QQQI and SPYI remain solid places to put money where I earn a decent ROI(return on investment) but NOT a great return. But the RISK level is low when compared to very HIGH yield/high RISK assets like MSTY/ULTY.  Many people who are NOT already wealthy, will likely find it difficult to BECOME wealthy if you ONLY invest in very LOW yield/low risk assets. It's possible, but you need to have BOTH a lot of TIME and a lot of MONEY to accomplish this.  MSTR is a company that has Billions of dollars held in Bitcoin on the company balance sheet. What is the statistical likelihood that this company will go bankrupt?  Learn from failure. Don't fear failure.  Have courage today, to pick one thing, and work on your dreams. We will talk again soon.  #STRC, #Bitcoin, #pension, #investing, #assets, #money, #spending, #emotions, #FUD, #panic, #focus, #goals, #failure, #failing  I'm not a financial advisor. This podcast is for education/entertainment purposes only. You will need to do your own research and accept responsibility for the results of any money you choose to invest. I love using Schwab.com to buy/sell stocks/ETF's/closed end funds/options. Schwab has a very user friendly app/website and their customer service is excellent. I can easily get to speak to a human being whenever I have questions.

Send us Fan Mail Season 3, Episode #49. Not Me, But You! Podcast.   ****This episode some people may not want to listen to if you don't like the use of the word "moron." **** Email me at [email protected]. Or follow me/connect with me on X at: Waypa Today. I offer private coaching although the podcast is designed for many to NOT need private coaching! If interested, contact me and we can spend 20 minutes on a Zoom call to see if working together makes sense.  What causes inflation? Check online, for yourself who Milton Friedman was and what he said causes inflation! We "peel the layers of the onion" regarding the topic of inflation. When inflation enters the economy, or when inflation is "introduced" into the economy, prices (costs) have to RISE in response to the inflation.  I encourage you to do your own research and NOT be misled by SOME people on the internet who sound confident but are providing misleading information!   As a successful investor, I have discovered that ONE of my main financial goals when investing, is to OUTPACE the true rate of inflation! I also discuss various investments at DIFFERENT risk levels!  Another financial goal I had, was to get as many assets as possible "transferred" from my traditional IRA into my Roth IRA, where the dividends paid to me are 100% TAX FREE! (after I meet two conditions). Have courage today, to pick one thing, and work on your dreams. We will talk again soon!  #inflation, #retirement, #investments, #online, #gurus, #onlinegurus, #cashflow, #money, #creation, #moneycreation, #QDTE, #XDTE, #MSTY, #ULTY, #BTCI, #CLM, #QQQI, #SPYI, #TDAQ, #TSPY I'm not a financial advisor. This podcast is for education/entertainment purposes only. You will need to do your own research and accept responsibility for the results of any money you choose to invest. I love using Schwab.com to buy/sell stocks/ETF's/closed end funds/options. Schwab has a very user friendly app/website and their customer service is excellent. I can easily get to speak to a human being whenever I have questions.

Send us Fan Mail Season 3, Episode #48. Not Me, But You! Podcast.  To connect with me or follow me at X: Waypa Today. You can also email me at [email protected] I do offer private coaching for up to 3 people. We can set up a FREE initial call to chat for 20 minutes, to see if it makes sense for us to work together.  Bitcoin price has gone higher. Recently Bitcoin hit a price of $87,000. Almost ONE year ago, Bitcoin was $126,000! I believe Bitcoin is going to $150,000 or higher. I just don't know WHEN!  How is inflation eroding the purchasing power of your money? WHAT causes inflation? How as investors, do we OVERCOME the TRUE rate of inflation with our investments?  Roth conversions can be a HUGE help to get a bigger pile of money/assets INTO our ROTH IRA accounts. I strive to have as many DIVIDEND producing assets as possible INSIDE of my Roth IRA accounts. Why? Answer: Because dividends withdrawn from a Roth IRA (as long you meet two conditions) are 100% TAX FREE!!!! You pay ZERO tax!!  We also discuss "global arbitrage" in retirement. Groceries and rent (housing) cost less in certain parts of the world! It's cheaper to live, it's easier to live comfortably if you are willing to relocate.  #retirement, #arbitrage, #global, #dividend, #dividends, #assets, #Bitcoin, #coaching, #IRA, #RothIRA, #Roth, #inflation, #brokerage, #interest, #rate, #time I'm not a financial advisor. This podcast is for education/entertainment purposes only. You will need to do your own research and accept responsibility for the results of any money you choose to invest. I love using Schwab.com to buy/sell stocks/ETF's/closed end funds/options. Schwab has a very user friendly app/website and their customer service is excellent. I can easily get to speak to a human being whenever I have questions.

Send us Fan Mail Season 3, Episode #47. Not Me, But You! Podcast.  Follow me/connect with me on X at: Waypa Today  Email me at: [email protected]  I discuss a CLM annual rights offering recap. Also talk about Bitcoin price surge and what the Federal Reserve did at their last meeting and how it might affect investors.  We also cover the price of a gallon of gasoline and a gallon of diesel fuel across the USA and how it will affect prices of goods/services.  I share my recent discussion with an employee at Charles Schwab. We also cover the Nasdaq 100 and AI potential plays. Some lower risk funds I like: QDTE, XDTE, QQQI and SPYI.  I also talk about the Strait of Hormuz and it's affect on GLOBAL goods. We talk about how exciting "starting at zero" can be and how a new beginning is always a great time to get started!  Have courage today, to pick one thing, and work on your dreams. We will talk again soon.  #Hormuz, #Schwab, #Bitcoin, #BTC, #Nasdaq, #100, #CLM, #rightsoffering, #gasoline, #diesel, #zero, #global, #XDTE, #QDTE, #QQQI, #SPYI I'm not a financial advisor. This podcast is for education/entertainment purposes only. You will need to do your own research and accept responsibility for the results of any money you choose to invest. I love using Schwab.com to buy/sell stocks/ETF's/closed end funds/options. Schwab has a very user friendly app/website and their customer service is excellent. I can easily get to speak to a human being whenever I have questions.

Send us Fan Mail Season 3, Episode #46. Not Me, But You! Podcast.  CLM annual rights offering. N-2 filing in August 2026. This update is for Cornerstone funds CLM and CRF. These are closed end funds. The fund is going to do an "annual rights offering" sometime in 2026. This event will likely affect share price causing it to drop.  I discuss how I am going to benefit from this anticipated drop in price (NAV) and I explain WHAT an "annual rights offering" is. We also discuss a special feature that both CLM and CRF have outside of the annual rights offering that can affect re-investing. This information is time sensitive. But IF I had missed it this year in 2026, I would benefit from knowing about annual rights offerings for future years.  Have courage today, to pick one thing, and work on your dreams. We will talk again soon.  #CLM, #CRF, #closed, #end, #funds, #retirement, #DRIP, #dripatnav, #Tesla, #SpaceX, #annual, #rights, #offering I'm not a financial advisor. This podcast is for education/entertainment purposes only. You will need to do your own research and accept responsibility for the results of any money you choose to invest. I love using Schwab.com to buy/sell stocks/ETF's/closed end funds/options. Schwab has a very user friendly app/website and their customer service is excellent. I can easily get to speak to a human being whenever I have questions.

Send us Fan Mail Season 3 Episode #45. Not Me, But You! Podcast.  AI = Artificial Intelligence. It can be simple to invest in order to benefit from AI upside in the stock market. I don't attempt to select individual companies that will be "the next big thing" in the AI space and are "set to blow up."  Instead I invest in broader funds that will capture profit. I provide specific examples.  In review, interest rates we earn on our money are extremely important. One of my main goals as an investor is to outpace the true rate of inflation. I discuss how I accomplish that.  I discuss retirement, pathways toward retirement and financial independence. It's possible to become wealthy, over time simply by pushing buttons on your phone. Complicated math is not needed nor is extreme technical knowledge in order to evaluate investments.  As always, investing is a personal choice that no one can make for you. We all need to do our own research (which again doesn't have to be complicated) and then we all need to accept responsibility for the money we choose to invest and the outcomes of those investments.  Have courage today, to pick one thing, and work on your dreams. We will talk again soon.  #banks, #interest, #rates, #Nasdaq, #AI, #artificial, #intelligence, #retirement, #investing, #stocks,  I'm not a financial advisor. This podcast is for education/entertainment purposes only. You will need to do your own research and accept responsibility for the results of any money you choose to invest. I love using Schwab.com to buy/sell stocks/ETF's/closed end funds/options. Schwab has a very user friendly app/website and their customer service is excellent. I can easily get to speak to a human being whenever I have questions.

Send us Fan Mail Season 3, Episode #44. Not Me, But You! Podcast.  Not Me, But You! coming soon to YouTube!  Precious mettles like Gold/Silver can be useful in a financial portofolio in my opinion. This is NOT financial advice. Do you own "certificates?" or the actual gold/silver metal? If you own the actual metal in what secure place do you store the metal? Transporting the metal can be cumbersome and problematic.  Precious metals like Gold/Silver can be a good hedge against inflation and "money debasement." But HOW you invest and HOW you buy it can make a difference. Do you dollar cost average with freqent purchases? This is the method I would use. Now you are holding the asset (precious metal) and hoping the price goes up so you can sell and lock in some profit. It'a a buy/hold opportunity. Precious metals do NOT pay dividends typicaly.  What about Bitcoin? I discuss a side-by-side comparison of precious metals (specifically gold) as compared to Bitcoin for an investor who bought both starting in January 2010. This "investor" does NOT likely exist on planet earth. Why? That is part of what we discuss. There were challenges in 2010 especially with Bitcoin.  If you bought gold you would have had to held it through 2024 when the price went up significantly. With Bitcoin, we can look forward to a new all time high price about every 4 years. One primary features of Bitcoin, as an asset, is that it has a FIXED supply.  Why invest at all? Answer: because your money is buying less and less EACH year! Our main goal as investors: is to OUTPACE the TRUE rate of inflation. Not the reported inflation numbers. Do you buy groceries, or fuel? Just look at how costs have gone up dramatically since Covid!  I utilize the power of consistentcy...rinsing/repeating to work to my advantage over time.  Have courage today, to pick one thing, and work on your dreams. We will talk again soon.  #Bitcoin, #Gold, #silver, #retirement, #math, #simple, #inflation, #cost of red meat, #redmeat, #water, #covid, #ROI, #death, #taxes, #consistency, #dollarcostaverage, #fixedsupply, #fixed, #supply, #assets I'm not a financial advisor. This podcast is for education/entertainment purposes only. You will need to do your own research and accept responsibility for the results of any money you choose to invest. I love using Schwab.com to buy/sell stocks/ETF's/closed end funds/options. Schwab has a very user friendly app/website and their customer service is excellent. I can easily get to speak to a human being whenever I have questions.

Send us Fan Mail Season 3, Episode #43. Not Me, But You! Podcast. Coming soon to YouTube!  Space X and Tesla update/analysis. We also discuss two EFT's that pay 15% and 120% ROI.  We also cover WHY the interest rate that you earn on your money is so important. And we discus inflation/money debasement. The price of beef (red meat) has gone up 8% in last 45 days!  Stock market indexes are at or near all time high prices. We discuss what this could mean for us as investors.  We also discuss Bitcoin/Tesla/Space X and what price targets I look for so that I know WHEN these assets are "on sale" and it's prime time to buy them.  Follow me/message me on X at: Waypa Today. Email me at [email protected]  Have courage today, to pick one thing, and work on your dreams. We will talk again soon.  #debasement, #money, #retirement, #Tesla, #SpaceX, #MSTR, #interestrate, #MSTY, #ULTY, #QDTE, #Bitcoin, #IRA I'm not a financial advisor. This podcast is for education/entertainment purposes only. You will need to do your own research and accept responsibility for the results of any money you choose to invest. I love using Schwab.com to buy/sell stocks/ETF's/closed end funds/options. Schwab has a very user friendly app/website and their customer service is excellent. I can easily get to speak to a human being whenever I have questions.

Send us Fan Mail Season 3, Episode #42. Not Me, But You! Podcast.  We discuss the Dow Jones, S & P 500 and the Nasdaq. We compare/contract growth investments vs. income (dividend) investments.  We discuss investments like Bitcoin, MSTR, MSTY, ULTY and I offer thoughts on those investments. But these are my personal opinions. Not financial advice.  We also talk about "price targets." How do you know WHEN an investments is "on sale" and a potentially good time to buy?? I cover my "Litmus Test" that I utilize when evaluating whether I want to invest or not.  Knowlege is POTENTIAL power per Tony Robbins! We also cover Tesla and Space X stocks. Far too often, investors play "the Look Back" game, which is a complete waste of time!  Have courage today, to pick one thing, and work on your dreams. We will talk again soon!  #Litmustest, #pricetargets, #s&P500, #dowjones, #nasdaq, #tonyrobbins, #retirement, #bitcoin, #rothIRA, #stocks, #geographicalarbitrage, #SPYI, #QQQI, #CLM, #MSTR,  I'm not a financial advisor. This podcast is for education/entertainment purposes only. You will need to do your own research and accept responsibility for the results of any money you choose to invest. I love using Schwab.com to buy/sell stocks/ETF's/closed end funds/options. Schwab has a very user friendly app/website and their customer service is excellent. I can easily get to speak to a human being whenever I have questions.

Send us Fan Mail Season 3, Episode #41. Not Me, But You! Podcast  ICOI Update. The fund has been closed! Your shares were sold (liquidated) for you! No need to panic. We discuss the implications and how we can potentially pivot and find something else to invest our money into to bring us cash flow! That's right, our entire lives revolve around... cash flow! Income!  ICOI was a high yield/high RISK asset that paid phenomenal dividends since its inception in 2025. But the fund is now closed and your shares have been sold for you at approximately $10.40/share. So you may have some unexpected cash in your cash account portion of your brokerage account or Traditional IRA account or Roth IRA account!  The Not Me, But You! Podcast is coming soon.... to YouTube. Yes we are making the jump to video so that any of you who have listened already and want to see what I look like... you can do that soon and find me on YouTube. Channel name? Answer: same name as this podcast... "Not Me, But You!" Soon to be live on YouTube. Coming soon!  I share how I utiliize the free website: stock anyalysis dot com!  I also share some encouraging mindset quotes from Tony Robbins! After all, investing is emotional. Investing is psychological!  Have courage today, to pick one thing, and work on your dreams. We will talk again soon!  #ICOI, #lliquidation, #investing, #retirement, #cashflow, #YouTube, #selling, #failure, #Bitcoin, #stocks, #ETF, #Tonyrobbins, #emotions, #psychology, #annuity, #sponsors,  #bankruptcy, #mindset, #IRA, #Roth, #goals  I'm not a financial advisor. This podcast is for education/entertainment purposes only. You will need to do your own research and accept responsibility for the results of any money you choose to invest. I love using Schwab.com to buy/sell stocks/ETF's/closed end funds/options. Schwab has a very user friendly app/website and their customer service is excellent. I can easily get to speak to a human being whenever I have questions.

Send us Fan Mail Season 3 Episode #40. Not Me, But You! Podcast  Check out my new YouTube channel with the same name... Not Me, But You!...coming soon to YouTube!  Email me at [email protected]. Follow/message me on X at: Waypa Today  We have an honest discussion of Magnificent 7 stocks...what the cost of one share is and how likely it is that we will become wealthy based on growth stocks alone.  Compared to dividend/income stocks which pay us money every week/every month/every 3 months.  We discss Roth conversions: where we can move cash/assets FROM our Traditional IRA into our ROTH IRA! We are NOT limited in the AMOUNT of money/assets we can move in this manner! Roth conversions are SEPARATE from our yearly CONTRIBUTION limits that we can add to our Roth IRA each year.  The interest rate we earn on our money is CRUCIALLY important. Are you aware that the dividend yield of MOST Mag 7 stocks is LESS than 1% per year!!  Have courage today to pick one thing, and work on your dreams. We will talk again soon.  #RothIRA, #Rothconversion, #Mag7stocks, #growth, #dividends, #income, #magnificentseven ,#retirment, #cashflow, #youtube, #microsoft, #nvidia, #apple, #meta, #tesla, #bitcoin, #bitcoin250K, #debt, #creditcards, #amazon, #stockanalysis I'm not a financial advisor. This podcast is for education/entertainment purposes only. You will need to do your own research and accept responsibility for the results of any money you choose to invest. I love using Schwab.com to buy/sell stocks/ETF's/closed end funds/options. Schwab has a very user friendly app/website and their customer service is excellent. I can easily get to speak to a human being whenever I have questions.

Send us Fan Mail Season 3 Episode #39. Not Me, But You! Podccast.  Follow me on X at Waypa Today. Email me at WaypaToday@gmail. com  We discuss the story of (parable) of The Good Samaritan found in the book of Luke in the New Testament in the Bible. I relate this story to like in 2026 and how we can use wealth to help others.  We also discuss some Tony Robbins quotes.  My family and enjoy traveling because we are focussed on collecting memories and not things.  The Summer season tends to "suck" for the stock market and investing. I talk about how I was wrong about the 2026 stock market and how I was wrong about how Bitcoin would peform in 2026.  Use the free website, Stock Analysis dot com to research investments quickly. Check the rate of return or ROI(return on investment). We need to pay very close attention to the interest rate that we earn on our money. Accepting a "low" interest rate will cost us money. We won't make as much.  What percentage do you pay to the bank that issues your credit card if you don't pay off the balance each month?  I will be starting a NEW Youtube channel with the same name as this podcast. Coming soon!  Have courage today, to pick one thing, and work on your dreams. We will talk again soon.  #Goodsamaritan,  #Bible, #Jesus, #charity, #Luke, #retirement, #wealth, #ETF's , #stocks, #dividends, #budget, #CLM, #SPYI, #QQQI, #XDTE, #QDTE, #unicorninvestment, #creditcards, #rothconversion, #Tesla, #Bitcoin  I'm not a financial advisor. This podcast is for education/entertainment purposes only. You will need to do your own research and accept responsibility for the results of any money you choose to invest. I love using Schwab.com to buy/sell stocks/ETF's/closed end funds/options. Schwab has a very user friendly app/website and their customer service is excellent. I can easily get to speak to a human being whenever I have questions.

Send us Fan Mail Season 3, Episode #38. Not Me, But You! Podcast  Complexity is the enemy of execution per Tony Robbins. Do research and then get moving. That is the only path to ultimate success. It takes practice to develop a mindset of being resilient and learning from failure and then making adjustments because we learned from that failure. We didn't let the failure define us.  Having confidence that you will ultimately be successful even if you fail along the way- if you have this mindset BEFORE you start something new, then you will ultimately succeed. If you treat new challenges like it's a foregone conclusion that you will succeed, then it's just a matter of  time and practice at that point.  What I have described above are valuable skill sets/mind sets that will help you to become a better investor. You will make better choices. And remember nobody gets investing righ 100% of the time. Not even professional money managers get it right ever time.  It is my belief that people often spend too much time researching things instead of simply starting. So I encourage you to get started. Not financial advice. But this is what has worked for me.  Instead of fearing failure... the words "one day and someday" I believe are much more dangerous. Why? Because if your plans are wrapped up ONLY in "one day" or "someday" than those days might NEVER get here. You might die or become too sick to attempt those things that you put off until "one day" or "someday."  So learning THROUGH action, I believe is a much better way to learn than simply doing research for an indefinite amount of time until "one day" or "someday" you feel confident enough to actually get started!  We discuss investing for growth and investing for income (dividends/income). Our entire lives revolve around cash flow/payments. We have payments that flow away from us. We have payments that flow to us! What is that ratio?  Too many people believe that is they simply won the lottery- a pile of cash would solve all of their problems? Would it? What if tomorrow you had $2,000,000 in your bank account. What do you do next? How do you manage the money? Investing is the one are of life where people hate to see prices go down!  Have courage today, to pick one thing, and work on your dreams. We will talk again soon.  #growth, #goals, #retirement, #achievment, #dividends, #income, #SPYI, #QQQI, #streams, #Roth, #IRA, #brokerage, #mindset, #realestate, #bitcoin, #STRC, #SpaceX, #Tesla, #cashflow   I'm not a financial advisor. This podcast is for education/entertainment purposes only. You will need to do your own research and accept responsibility for the results of any money you choose to invest. I love using Schwab.com to buy/sell stocks/ETF's/closed end funds/options. Schwab has a very user friendly app/website and their customer service is excellent. I can easily get to speak to a human being whenever I have questions.

Send us Fan Mail Season 3 Episode #37 Not Me, But You! podcast.  Thank you to all people in the cities/countries all over the globe who have downloaded this podcast. While I enjoy recording this podcast I remain truly grateful for you.  In life, we don't need to view ourselves like a "leaf blowing in the wind." I have learned it's important to train my mind that success is possible. MSTR stock has price has risen! No need to panic.  Our entire lives, revovle around cash flow. Why not consider placing growth assets on hold, and focus on building weekly/monthly income.  While you are investing and building wealth, don't forget self care and to focus on exercise, getting outside, and eating a healthy diet.  Time, as I age, seems to speed up move faster!  Have courage today, to pick one thing, and work on your dreams.  #MSTR, #QQQI, #SPYI, #CLM, #XDTE, #QDTE, #bitcoin, #retirement, #mindset, #belief, #SpaceX, #Tesla, #STRC, #cashflow, #income, #consistency I'm not a financial advisor. This podcast is for education/entertainment purposes only. You will need to do your own research and accept responsibility for the results of any money you choose to invest. I love using Schwab.com to buy/sell stocks/ETF's/closed end funds/options. Schwab has a very user friendly app/website and their customer service is excellent. I can easily get to speak to a human being whenever I have questions.

Send us Fan Mail Season 3, Episode #36. Not Me, But You! Podcast.  Happy July 4th holiday weekend. We discuss what Bitcoin is NOT! And we talk about how Bitcoin is different from all types of OTHER assets and how YOU can benefit from owning/holding it, IF you can tolerate the volatile price!  I can own Bitcoin and I don't need to insure Bitcoin, buy Bitcoin a new washing machine, buy Bitcoin a new roof, buy Bitcoin a new HVAC system, buy Bitcoin new carpet or flooring etc. IF I own investement property, I NEED to do ALL of those things at some time. I can also MOVE my Bitcoin with me anywhere in the world. I can't pick up my investment real estate property and move it with me to some other place on the globe!  We also discuss WHAT drives prices higher? Why do THINGS cost more over time? Is it the cost of the product/service has increased to produce? Or is the value of the money (purchasing power) has declined?  We discuss how pursuing perfection actually can CAUSE procrastiation. We review one and 5 year plans!  Shocking stat: 0.01% of the people on planet earth have $2,000/month  OR it's equivalent in dividend income!! The interest rate we earn on our money is crucially important. Think of your self as the OWNER of YOUR bank.  Have courage today, to pick one thing, and work on your dreams. We will talk again soon.  #Bitcoin, #inflation, #growth, #goals, #procrastination, #perfectionism, #HVAC, #washingmachine, #carpet, #realestate, #MSTR, #STRC, #QQQI, #SPYI, #XDTE, #QDTE, #CLM , #$2,000, #month, #Europe, #asia, #Schwab, #robinhood  I'm not a financial advisor. This podcast is for education/entertainment purposes only. You will need to do your own research and accept responsibility for the results of any money you choose to invest. I love using Schwab.com to buy/sell stocks/ETF's/closed end funds/options. Schwab has a very user friendly app/website and their customer service is excellent. I can easily get to speak to a human being whenever I have questions.