In this week’s episode of Retire in Texas, Darryl Lyons, CEO and Co-Founder of PAX Financial Group, explores the nuances of investment decision-making and the importance of patience in achieving long-term financial success. Drawing on real-world examples and lessons from PAX Financial’s due diligence process, Darryl unpacks the complexities of managing portfolios and avoiding common investment pitfalls.

Key highlights of the episode include:

• The importance of patience and why the market rewards long-term investors.
• Real-life examples of investment mistakes, including the infamous Zoom vs. Zoom Technologies mix-up.
• Insights on diversification and how outsourcing to skilled money managers can reduce risk.
• The critical role of due diligence in assessing underperforming assets or asset managers.
• Why switching "money lanes" prematurely is one of the most common and costly errors investors make.
• How PAX Financial Group remains loyal to clients by maintaining transparency and avoiding conflicts of interest.

For more insights and to explore how PAX Financial Group can guide you on your financial journey, visit www.PAXFinancialGroup.com. If you enjoyed this episode, share it with someone who could benefit!

Resources:

https://www.carsongroup.com/insights/blog/the-real-message-behind-missing-the-best-market-days-chart/

www.eventide.com

https://www.thewealthadvisor.com/article/stock-markets-momentum-poised-shift-2025?mkt_tok=NjY2LVBIQS05NTgAAAGX4cJOvDMCrG-KdOpyw4xXagyLXAXeKV2TRrwjkkeRiR4mkA5jC6oavlNp9NpnnLAdLFVk00VA0D2DC5YMPz7nJau5SeYkRqCiO347

https://drive.google.com/file/d/14GhhPcotO_CFqa8tTgOhgGlt3TMjjDLc/view?usp=sharing

In this week’s episode of Retire in Texas, Darryl Lyons, CEO and Co-Founder of PAX Financial Group, tackles the growing complexity of today's world and its impact on the global economy, investment strategies, and everyday decisions. Drawing comparisons to the simplicity of the 1950s, Darryl examines how technological advancements, trade policies, and consumer behaviors have evolved and how embracing complexity can lead to better financial outcomes.

Key highlights of the episode include:

• The importance of developing tolerance for complexity in a rapidly changing world.
• How tariffs, global trade, and interconnected supply chains shape economic trends.
• Insights into the Consumer Confidence Index and what declining numbers signal about the economy.
• Why diversification remains crucial in managing risk during uncertain times.
• Opportunities for innovation and strategic investment in a complex global market.
• Practical advice for overcoming fear and making sound financial decisions in a multifaceted environment.

To learn more and explore how PAX Financial Group can help you navigate economic challenges, visit www.PAXFinancialGroup.com. If you found this episode helpful, share it with someone who might benefit!

Resources:

Opinion: Trump is right on tariffs, here’s why

Americans Are Less Confident About Where The US Economy Is Headed | The WealthAdvisor

In this week’s episode of Retire in Texas, Darryl Lyons, CEO and Co-Founder of PAX Financial Group, explores Charles Schwab's 2025 US Stock and Economic Outlook and its implications for investors in the coming year. Darryl provides a thoughtful breakdown of the report's key insights, covering everything from tariffs and trade policies to economic growth, housing affordability, and opportunities in the stock market.

This episode takes a balanced look at how policy changes, economic trends, and market volatility might shape the 2025 financial landscape, helping listeners better understand what to expect in the months ahead. Whether you’re a seasoned investor or someone simply curious about where the economy may be headed, this discussion offers clarity and actionable takeaways.

Key highlights of the episode include:

• The potential impact of tariffs, mass deportations, and trade dynamics on the US economy and inflation.
• Why small businesses remain optimistic despite inflationary challenges and how they drive job growth.
• The importance of domestic production, innovation, and unexpected market upsides.
• Insights into the housing market, affordability concerns, and the role of foreign labor in construction.
• Opportunities in stocks, small-cap companies, private credit, and international markets as we enter 2025.
• Practical advice for weathering market pullbacks and preparing for volatility in a shifting economic environment.

To learn more and explore how PAX Financial Group can guide you through economic changes, visit www.PAXFinancialGroup.com. If you found this episode valuable, share it with someone else who might benefit!

Resource:

2025 Schwab Market Outlook | Schwab Funds