Finances the Other "F" Word

Who Really Pays The 99% and Americas Fiscal Future

Join Mel O as she dives deep into the complexities around America’s mounting national debt and the latest "big beautiful" tax bill making waves in Washington. In this episode, you'll get an unfiltered, passionate breakdown of what $36.21 trillion in national debt really means for everyday Americans—not just politicians and pundits. Mel O explains the basics of how government bonds work, why the recent downgrade of the US credit rating is such a big deal, and how that could hit everything from yo...

From Silicon Valley Bank to Super PACs: Crypto’s Trail in the Banking World

In this episode, Mel O returns to the mic after a hiatus, re-energized to tackle what’s happening at the intersection of crypto and the traditional banking system—and why it matters to you, your wallet, and your kids’ futures. We discusses S the latest political and economic moves shaking up the financial system, including a controversial Senate bill that could add trillions to the deficit and the looming impacts of rising tariffs and inflation. The heart of this episode is all about crypto: how...

Constitution Unveiled Part 4 Term Limits DC Voting and the Myths of Congressional Pay

Americas Constitutional Amendments Amid Economic Crisis Tariffs Voting and State Power

Understanding Constitutional Amendments Deep Dive into 10-14 and Their Modern Interpretations

In today's episode, we explore amendments 10 through 14, delving into their historical context, the court cases that have shaped their interpretation, and their impact on today's legal landscape. From state sovereignty to the foundational principles of equal protection and birthright citizenship. Are your rights being violated? Link to Project 2025 as disucssed in this episode. https://www.project2025.observer/ Catch Mel O Live on the Stationhead app @momentofmetal Wednesday at 6 AM Pacific Time...

Uncovering the Constitution A Dive into the First Nine Amendments

Breaking Down Oil Subsidies Who Benefits and How Much

Evaluating Trumps Economic Policies- Tariffs Trade Surpluses and Consumer Impact

California Wildfires 2025 Economic Losses and the Insurance Industrys Role

Today, we discuss the extensive losses of the 2025 California wildfires and potential ramifications to the insurance industry. Can the industry pay the large number of claims that will be filed in the wake of the natural disaster. Is there any correlation to 2008? Mel O CFP discusses this and more. Catch Mel O Live on the Stationhead app @momentofmetal Wednesday at 6 AM Pacific Time. To learn about money without out the pretentious Bu!!sh%t give me a follow here. Want to talk to Mel about money?...

Financial Outlook for 2025 Tax Updates Digital Assets and Social Media Safeguards

In today's episode, Mel O dives into the evolving financial landscape that is 2025. She also discusses minors on social media generating income from explicit content while navigating the complexities of parental consent and ethical implications. Tax code changes and increased standard deductions. Is it more intersting than it sounds! Catch Mel O Live on the Stationhead app @momentofmetal Wednesday at 6 AM Pacific Time. To learn about money without out the pretentious Bu!!sh%t give me a follow he...

Makin Babies: Can Family Dynamics Drive Economic Growth Today

Is MAGA right? Today, I discuss the complex interplay between demographics, economy, and global politics in "Makin Babies." I explore how historical and current trends impact our financial landscape. The conversation delves into the power dynamics of declining birth rates, the strain on social security systems, and the critical importance of women's participation in the workforce. Catch Mel O Live on the Stationhead app @momentofmetal Wednesday at 6 AM Pacific Time. To learn about money without ...

Election Betting and Polls: The Wealth Divide Threatening Democracy

Today, I discuss the dangers of election betting and how it can change election outcomes for you adn me. We discuss the dangers of foreign interfernece in our election process and how we are literally turning over the keys to let them do so. Catch Mel O Live on the Stationhead app @momentofmetal Wednesday at 6 AM Pacific Time. To learn about money without out the pretentious Bu!!sh%t give me a follow here. Want to talk to Mel about money? Schedule a call with her directly: https://hotmoonfinanci...

Strategies to Manage Financial Stress and Enhance Business Success

Welcome to episode 2 of the Startupz.ai podcast. In this episode yours truly, Mel O, continues to struggle with finding a way to curb people's money anxieties. Grayson and I delve into the world of finance, strategy, and personal growth. Your host, Mel O, a Certified Financial Planner, is joined by business strategist Grayson Scott, who shares his journey of tackling both physical and business hurdles. Together, they explore the pervasive issue of financial anxiety and its impact on personal and...

From Financial Stress to Start Up Sucess-Startupz.ai

Welcome to the inaugural episode of Startupz.ai. Join me, Mel O CFP® and business strategist Grayson Scott from Startupz.ai as I navigate the world of business strategy. This podcast is designed for aspiring entrepreneurs and small business owners who are either just getting started or working through the challenges of growing a business. If you're figuring out your path or looking for guidance, this is the podcast for you. I’ll be sharing my personal business journey, including the ups and down...

Just the Tip-Tipping in America

Today, I discuss the ins and outs of tipping in America and how it came to be. Should we tax peoples tips? or are we just subsidizing the resturants employee pay roll? When there is automatic gratuity does the server get the full tip? You'd be surprised! Catch Mel O Live on the Stationhead app @momentofmetal Wednesday at 6 AM Pacific Time. To learn about money without out the pretentious Bu!!sh%t give me a follow here. Want to talk to Mel about money? Schedule a call with her directly: https://h...

Immigrants Contributions to the U.S. Economy Debunking Myths and Highlighting Realities

The Ripple Effect: How 911 Reshaped Financial Markets and Insurance Industry pod audio

Today, we explore the aftermath effect of 9-11 on financial markets and the insurance sector. We also discuss why mass shootings are not considered domestic terrorism. Catch Mel O Live on the Stationhead app @momentofmetal Wednesday at 6 AM Pacific Time. To learn about money without out the pretentious Bu!!sh%t give me a follow here. Want to talk to Mel about money? Schedule a call with her directly: https://hotmoonfinancial.com/ 🔗 Stay Connected Facebook: https://www.facebook.com/financestheot...

The Massive NPD Data Breach Exposing Billions: What You Need to Know

Today, I discuss the massive social security and data breach that is NPD. 2.9 billion people have had their data stolen, you and I are probably one of them. Here are some good resources for you after you tunein. Freeze Your Credit : Equifax : Call 1-888-378-4329 or visit Equifax's website Experian : Call 1-888-397-3742 or visit Experian's website TransUnion : Call 1-800-916-8800 or visit TransUnion's website Dispute Information on Your Credit Report : Equifax : Visit Equifax's Dispute Center . E...

The Disney Effect: Death, Media Control, Liability, and Consumer Rights in the Crosshairs

In the latest episode Mel O CFP delves into the complex world of Disney's influence on media, consumer rights, privacy, finance and BINDING arbitration clauses, even in cases of wrongful death! Catch Mel O Live on the Stationhead app @momentofmetal Wednesday at 6 AM Pacific Time. To learn about money without out the pretentious Bu!!sh%t give me a follow here. Want to talk to Mel about money? Schedule a call with her directly: https://hotmoonfinancial.com/ 🔗 Stay Connected Facebook: https://www....

Unpacking Project 2025 Oil Subsidies Military Plans and Environmental and Ethical Ramifications

Today, Mel O CFP, dives into Project 2025. She covers oil subsidies to Medicaid and military changes, as well as the ever-growing divide between older and younger generations. With the youngest generations identifying as agnostic or atheist, where does that leave Project 2025? Catch Mel O Live on the Stationhead app @momentofmetal Wednesday at 6 AM Pacific Time. To learn about money without out the pretentious Bu!!sh%t give me a follow here. Want to talk to Mel about money? Schedule a call with ...

Financial Fallout of CrowdStrikes Global Outage

Money Matters: Diving into Economic Indicators and Market Influences

Understand the economic numbers and get away from the political BS!! Today, I delve into the impact of various leading and lagging indicators on the economy, from the stock market and PMI numbers to GDP figures and consumer confidence. I highlight the significance of contextual understanding when interpreting economic data and emphasized the importance of staying informed beyond political biases. Catch Mel O Live on the Stationhead app @momentofmetal Wednesday at 6 AM Pacific Time. To learn abou...

The Capital One and Discover Merger Navigating Monopolies and Credit Card Dominance

🔑 Mergers and Monopolies: We explore the potential impact of a Capital One and Discover merger on the credit card industry, emphasizing the concerns and regulatory scrutiny related to monopolies and consumer interests, then it gets raunchy! Catch Mel O Live on the Stationhead app @momentofmetal Wednesday at 6 AM Pacific Time. To learn about money without out the pretentious Bu!!sh%t give me a follow here. Want to talk to Mel about money? Schedule a call with her directly: https://hotmoonfinanci...

The Tariff Fallout National Security Trade Impact and the "Made in America" Predicament

In our latest episode, Mel O discusses the complex world of tariffs and national security & what it means to be "Made in America". **I had some reocordig issues so the episode might be choppy. Catch Mel O Live on the Stationhead app @momentofmetal Wednesday at 6 AM Pacific Time. To learn about money without out the pretentious Bu!!sh%t give me a follow here. Want to talk to Mel about money? Schedule a call with her directly: https://hotmoonfinancial.com/ 🔗 Stay Connected Facebook: https://w...

Unseen Impact Bidens Tariffs and the Invisible Costs of Decision Making in Power

In my latest episode, I delve into the unseen impact of political decisions, focusing on Biden's tariffs and their far-reaching effects on the economy. I explore the complexity of tariffs on various industries, from electronic vehicles to semiconductors, and discussed the paradox of subsidies in the global market. Catch Mel O Live on the Stationhead app @momentofmetal Wednesday at 6 AM Pacific Time. To learn about money without out the pretentious Bu!!sh%t give me a follow here. Want to talk to ...

Unpacking Open Banking: Empowering Consumers or Encroaching on Privacy?

In today's episode we delve into the concept of open banking, unpacking its potential impact on financial freedom and consumer choices. Catch Mel O Live on the Stationhead app @momentofmetal Wednesday at 6 AM Pacific Time. To learn about money without out the pretentious Bu!!sh%t give me a follow here. Want to talk to Mel about money? Schedule a call with her directly: https://hotmoonfinancial.com/ 🔗 Stay Connected Facebook: https://www.facebook.com/financestheotherfword Instagram: https://www....

Money Matters and Music Contracts Exploring JLos Tour and Life Insurance Investments

Today, we discuss JLo's slowing ticket sales, and investment contracts. AND Mel O gets sidetracked by this article. https://finance.yahoo.com/news/trump-set-interest-rates-himself-171733557.html Catch Mel O Live on the Stationhead app @momentofmetal Wednesday at 6 AM Pacific Time. To learn about money without out the pretentious Bu!!sh%t give me a follow here. Want to talk to Mel about money? Schedule a call with her directly: https://hotmoonfinancial.com/ 🔗 Stay Connected Facebook: https://www...

The Bump Stock Debate: SCOTUS Decision and Its Ramifications for Gun Control

Today, Mel O CFP, dives into the intersections of finance, law, and culture. In our latest episode, Guns and Scotus, we unpack the potential implications of the upcoming Supreme Court case on bump stocks. Catch Mel O Live on the Stationhead app @momentofmetal Wednesday and Friday at 6 AM Pacific Time. To learn about money without out the pretentious Bu!!sh%t give me a follow here. Want to talk to Mel about money? Schedule a call with her directly: https://hotmoonfinancial.com/ 🔗 Stay Connected ...

Drowning in Plastics

Today we discuss where our plastic is going, no where, it's going no where. Catch Mel O Live on the Stationhead app @momentofmetal Wednesday and Friday at 6 AM Pacific Time. To learn about money without out the pretentious Bu!!sh%t give me a follow here. Want to talk to Mel about money? Schedule a call with her directly: https://hotmoonfinancial.com/ 🔗 Stay Connected Facebook: https://www.facebook.com/financestheotherfword Instagram: https://www.instagram.com/financestheotherfword/ TikTok: http...

Deep Fakes

Catch Mel O Live on the Stationhead app @momentofmetal Wednesday and Friday at 6 AM Pacific Time. To learn about money without out the pretentious Bu!!sh%t give me a follow here. Want to talk to Mel about money? Schedule a call with her directly: https://hotmoonfinancial.com/ 🔗 Stay Connected Facebook: https://www.facebook.com/financestheotherfword Instagram: https://www.instagram.com/financestheotherfword/ TikTok: https://www.tiktok.com/@ftofw_podcast? Call or Text: 775-537-4352 📕Finances the...