Retire Texas Style!

Hosted by Steve Hoyl

Business

Website RSS feed

Episodes

258

Latest episode

Sep 2026

Language

About the show

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 . Don't miss an episode. Subscribe or follow wherever you get your favorite podcasts! For more helpful insights follow on social media: Facebook and X

Listen to episodes

60 recent

September 1, 202615 min

What Would Dolly Do? Lessons on Legacy, Life, and Retirement

What if the secret to a fulfilling retirement has less to do with money and more to do with the life you build around it? This episode explores the legacy of Dolly Parton, the psychology behind spending in retirement, and why guaranteed income often feels easier to use than savings. Steve Hoyl discusses retirement income strategies, financial literacy, key milestones like age 59½, and the importance of creating a plan that balances confidence, lifestyle, and legacy. Get Your Complimentary Retirement Analysis Social Media: Facebook | X See omnystudio.com/listener for privacy information.

August 25, 202612 min

Has Your Retirement Strategy Expired?

What if the biggest risk in retirement isn’t the market, but relying on outdated strategies? Steve Hoyl discusses retirement planning “expiration dates,” including why rules like the 4% withdrawal strategy and one-size-fits-all risk formulas may no longer fit every retiree. The conversation explores the importance of income planning, coordinating financial decisions as a couple, preparing for unexpected life events, and aligning retirement goals with the experiences that matter most. From avoiding financial guesswork to creating meaningful memories, this episode highlights the personal and practical side of retirement planning. Get Your Complimentary Retirement Analysis Social Media: Facebook | X See omnystudio.com/listener for privacy information.

August 18, 202615 min

Your Retirement Could Start Earlier Than You Think

What if your retirement date arrives sooner than you expected? In this episode, Steve Hoyl discusses why market gains can create a false sense of security, the importance of understanding your risk score, and how an income strategy may help support retirement through uncertainty. He explores how health issues, caregiving responsibilities, layoffs, and even AI-driven workplace changes can alter retirement timelines. The conversation also highlights why retirement planning should reflect your personal goals, priorities, and circumstances rather than someone else's path. Get Your Complimentary Retirement Analysis Social Media: Facebook | X See omnystudio.com/listener for privacy information.

August 11, 202615 min

Why Retirement Feels Impossible and What People Often Miss

What if retirement feels out of reach, but the real challenge is having a plan? Steve Hoyl and Derrick Caldwell discuss why many Americans believe they’ll work indefinitely, and how factors like income planning, budgeting, taxes, Social Security, Medicare, and investment strategy can shape retirement decisions. They share real-world examples, explain the value of understanding your options, and explore why retirement planning is often as much about behavior and preparation as it is about numbers. The conversation also highlights common obstacles, including debt, tax surprises, and uncertainty about what retirement should look like. Get Your Complimentary Retirement Analysis Social Media: Facebook | X See omnystudio.com/listener for privacy information.

August 4, 202618 min

The Retirement Cost Most People Underestimate

Could taxes be the biggest expense standing between you and the retirement lifestyle you envision? Steve Hoyl discuss why many retirees focus on growing their savings but overlook the distribution phase, where tax strategy, income planning, and inflation can significantly impact long-term financial outcomes. They explore Roth conversions, the value of dependable income sources, common retirement planning mistakes, and why thinking beyond traditional retirement rules may create more flexibility. The conversation also highlights the importance of balancing growth, liquidity, and tax efficiency as you prepare for and live in retirement. Get Your Complimentary Retirement Analysis Social Media: Facebook | X See omnystudio.com/listener for privacy information.

July 28, 202616 min

The Estate Planning Mistake Boomers Keep Making

What if the biggest retirement risk isn’t running out of money, but running out of income? Steve Hoyl discusses why estate planning remains critical for every household, how staying in place and fear-driven saving can affect retirement decisions, and what workers can do if AI or career changes alter their timeline. The conversation also covers income planning, Social Security timing, the habits of successful savers, and why flexibility can make a difference when navigating retirement. Get Your Complimentary Retirement Analysis Social Media: Facebook | X See omnystudio.com/listener for privacy information.

July 21, 202617 min

Can AI Really Plan Your Retirement?

Can AI really build your retirement plan, or is that a risk too big to take with your life savings? Steve Hoyl discusses why retirement planning still requires a human touch, exploring the dangers of relying too heavily on AI, social media advice, and one-size-fits-all strategies. He shares insights on Social Security timing, inflation, creating dependable retirement income, and coordinating different savings buckets to support long-term goals. The conversation highlights why retirement is less about reaching a magic number and more about building a personalized plan that fits your lifestyle and priorities. Get Your Complimentary Retirement Analysis Social Media: Facebook | X See omnystudio.com/listener for privacy information.

July 7, 202615 min

Retirement Then vs. Now: What Changed the Most?

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. Get Your Complimentary Retirement Analysis Social Media: Facebook | X See omnystudio.com/listener for privacy information.

July 2, 202616 min

The Retirement Mistake That Has Nothing to Do With Money

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 Social Media: Facebook | X See omnystudio.com/listener for privacy information.

June 23, 202617 min

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

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.