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    <channel>
        <title>
            <![CDATA[Money on the Table]]>
        </title>
        <link>https://www.laysonadvisorygroup.com</link>
        <description>
            <![CDATA[Small changes, made over time, can produce significant results. Much like a high performance engine, or an entire orchestra, when even a small part is not doing what it is supposed to do, everything suffers. And the same is true of your finances. This show is dedicated to the small things that make a significant difference.]]>
        </description>
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            <title>
                <![CDATA[Money on the Table]]>
            </title>
            <link>https://www.laysonadvisorygroup.com</link>
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        <language>en-us</language>
        
        
        <lastBuildDate>Thu, 28 May 2026 04:48:51 +0000</lastBuildDate>

        
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                    <itunes:author>
                <![CDATA[Tony Layson and Skyelyn Layson]]>
            </itunes:author>
                <itunes:owner>
            <itunes:name>
                <![CDATA[Tony Layson and Skyelyn Layson]]>
            </itunes:name>
            <itunes:email>radio@lusonmedia.com</itunes:email>
        </itunes:owner>
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        <itunes:category text="Business" />
        <itunes:explicit>no</itunes:explicit>

        
        <dc:creator>
            <![CDATA[Tony Layson and Skyelyn Layson]]>
        </dc:creator>

                    <item>
                <title>
                    <![CDATA[Episode 18: Can You Build Generational Wealth Without Already Being Wealthy?]]>
                </title>
                                <description>
                                            <![CDATA[Building generational wealth doesn&#039;t require a head start—it starts with a shift in strategy. This episode breaks down how everyday investors can leverage consistency, compound interest, and strategic asset allocation to create a lasting financial legacy from scratch. Tune in to learn practical, actionable steps to break the cycle and build wealth that outlives you.]]>
                                    </description>
                <pubDate>Sat, 23 May 2026 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-10473</guid>

                
                
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                <itunes:author>
                    <![CDATA[Tony Layson and Skyelyn Layson]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[Building generational wealth doesn&#039;t require a head start—it starts with a shift in strategy. This episode breaks down how everyday investors can leverage consistency, compound interest, and strategic asset allocation to create a lasting financial legacy from scratch. Tune in to learn practical, actionable steps to break the cycle and build wealth that outlives you.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Tony Layson</podcast:person>
                                    <podcast:person role="host" group="hosts">Skyelyn Layson</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Sat, 23 May 2026 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[Building generational wealth doesn&#039;t require a head start—it starts with a shift in strategy. This episode breaks down how everyday investors can leverage consistency, compound interest, and strategic asset allocation to create a lasting financial legacy from scratch. Tune in to learn practical, actionable steps to break the cycle and build wealth that outlives you.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Episode 17: HSAs Explained Clearly: Rules, Taxes, and What You Need to Know]]>
                </title>
                                <description>
                                            <![CDATA[Unlock the full potential of your Health Savings Account by mastering the essential rules for eligibility, contributions, and withdrawals. We break down the &quot;triple tax advantage&quot; and share strategic tips for using your HSA as a powerful long-term investment vehicle. Tune in to turn your medical expenses into a savvy financial asset.]]>
                                    </description>
                <pubDate>Sat, 16 May 2026 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-10432</guid>

                
                
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                <itunes:author>
                    <![CDATA[Tony Layson and Skyelyn Layson]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[Unlock the full potential of your Health Savings Account by mastering the essential rules for eligibility, contributions, and withdrawals. We break down the &quot;triple tax advantage&quot; and share strategic tips for using your HSA as a powerful long-term investment vehicle. Tune in to turn your medical expenses into a savvy financial asset.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Tony Layson</podcast:person>
                                    <podcast:person role="host" group="hosts">Skyelyn Layson</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Sat, 16 May 2026 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[Unlock the full potential of your Health Savings Account by mastering the essential rules for eligibility, contributions, and withdrawals. We break down the &quot;triple tax advantage&quot; and share strategic tips for using your HSA as a powerful long-term investment vehicle. Tune in to turn your medical expenses into a savvy financial asset.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Episode 16 : Listener Q&amp;A 2]]>
                </title>
                                <description>
                                            <![CDATA[In this episode, we dive back into the mailbag to provide direct answers to your most pressing financial questions. From retirement strategies to savvy budgeting tips, we break down complex money topics into actionable advice. Tune in to see if your question made the cut and gain the clarity you need to master your personal finances.]]>
                                    </description>
                <pubDate>Sat, 09 May 2026 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-10318</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/NfogyCLbxtJkOhU6GilE3MiC38mZDlPl7dULAtd2.mp3"  length="32262698"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Tony Layson and Skyelyn Layson]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[In this episode, we dive back into the mailbag to provide direct answers to your most pressing financial questions. From retirement strategies to savvy budgeting tips, we break down complex money topics into actionable advice. Tune in to see if your question made the cut and gain the clarity you need to master your personal finances.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Tony Layson</podcast:person>
                                    <podcast:person role="host" group="hosts">Skyelyn Layson</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Sat, 09 May 2026 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[In this episode, we dive back into the mailbag to provide direct answers to your most pressing financial questions. From retirement strategies to savvy budgeting tips, we break down complex money topics into actionable advice. Tune in to see if your question made the cut and gain the clarity you need to master your personal finances.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Episode 15 : Listener Q&amp;A 1]]>
                </title>
                                <description>
                                            <![CDATA[In this kick-off to our special two-part series, we dive into the mailbag to tackle your most pressing financial questions. From savvy investing strategies to everyday budgeting hurdles, we’re providing the direct answers you&#039;ve been waiting for. Join us as we clear up the clutter and help you take control of your financial future.]]>
                                    </description>
                <pubDate>Sat, 02 May 2026 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-10262</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/F9BC8TsbEVp3PTIgqTl9L5Lz4MCGdfxxwy0kx85r.mp3"  length="30898988"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Tony Layson and Skyelyn Layson]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[In this kick-off to our special two-part series, we dive into the mailbag to tackle your most pressing financial questions. From savvy investing strategies to everyday budgeting hurdles, we’re providing the direct answers you&#039;ve been waiting for. Join us as we clear up the clutter and help you take control of your financial future.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Tony Layson</podcast:person>
                                    <podcast:person role="host" group="hosts">Skyelyn Layson</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Sat, 02 May 2026 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[In this kick-off to our special two-part series, we dive into the mailbag to tackle your most pressing financial questions. From savvy investing strategies to everyday budgeting hurdles, we’re providing the direct answers you&#039;ve been waiting for. Join us as we clear up the clutter and help you take control of your financial future.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Episode 14: The Backdoor Roth Strategy: What High Earners Don’t Know]]>
                </title>
                                <description>
                                            <![CDATA[Struggling with income limits that prevent you from contributing to a Roth IRA? This episode breaks down the Backdoor Roth strategy, a perfectly legal loophole that allows high earners to secure tax-free growth for their retirement savings. We’ll walk you through the essential &quot;pro-rata&quot; rules and common tax pitfalls to ensure your conversion is seamless and IRS-compliant.]]>
                                    </description>
                <pubDate>Sat, 25 Apr 2026 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-10220</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/o8I4jz0jaeZBo62zfwNByWNtXSxCFMTFc96H5bFf.mp3"  length="26532102"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Tony Layson and Skyelyn Layson]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[Struggling with income limits that prevent you from contributing to a Roth IRA? This episode breaks down the Backdoor Roth strategy, a perfectly legal loophole that allows high earners to secure tax-free growth for their retirement savings. We’ll walk you through the essential &quot;pro-rata&quot; rules and common tax pitfalls to ensure your conversion is seamless and IRS-compliant.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Tony Layson</podcast:person>
                                    <podcast:person role="host" group="hosts">Skyelyn Layson</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Sat, 25 Apr 2026 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[Struggling with income limits that prevent you from contributing to a Roth IRA? This episode breaks down the Backdoor Roth strategy, a perfectly legal loophole that allows high earners to secure tax-free growth for their retirement savings. We’ll walk you through the essential &quot;pro-rata&quot; rules and common tax pitfalls to ensure your conversion is seamless and IRS-compliant.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Episode 13: How to NOT lose a client in 10 days]]>
                </title>
                                <description>
                                            <![CDATA[In this episode, we flip the script on the classic rom-com trope to explore the critical first days of a new financial advisory relationship. We break down the common communication pitfalls and &quot;red flag&quot; behaviors that cause nervous investors to jump ship before the ink is even dry. Tune in to learn proven onboarding strategies that build immediate trust and cement long-term client loyalty from day one.]]>
                                    </description>
                <pubDate>Sat, 18 Apr 2026 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-10183</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/HqUuQKUok1vXSmHqIrqzH06I9d4i9LW1i5RYWm3j.mp3"  length="33298718"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Tony Layson and Skyelyn Layson]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[In this episode, we flip the script on the classic rom-com trope to explore the critical first days of a new financial advisory relationship. We break down the common communication pitfalls and &quot;red flag&quot; behaviors that cause nervous investors to jump ship before the ink is even dry. Tune in to learn proven onboarding strategies that build immediate trust and cement long-term client loyalty from day one.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Tony Layson</podcast:person>
                                    <podcast:person role="host" group="hosts">Skyelyn Layson</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Sat, 18 Apr 2026 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[In this episode, we flip the script on the classic rom-com trope to explore the critical first days of a new financial advisory relationship. We break down the common communication pitfalls and &quot;red flag&quot; behaviors that cause nervous investors to jump ship before the ink is even dry. Tune in to learn proven onboarding strategies that build immediate trust and cement long-term client loyalty from day one.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Episode 12: Taxes Are on Sale Right Now: What That Means for You]]>
                </title>
                                <description>
                                            <![CDATA[In this episode, we explore why some experts say “taxes are on sale” and what that could mean for your financial strategy. We break down current tax conditions, potential future changes, and opportunities to take advantage of lower rates while they last. If you want to be proactive with your planning, this conversation offers practical insights to help you make the most of today’s tax environment.]]>
                                    </description>
                <pubDate>Sat, 11 Apr 2026 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-10155</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/ukhw4L3Gh4iqV0Byjhjt21AggUbBhNluPCmNgwgX.mp3"  length="29797556"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Tony Layson and Skyelyn Layson]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[In this episode, we explore why some experts say “taxes are on sale” and what that could mean for your financial strategy. We break down current tax conditions, potential future changes, and opportunities to take advantage of lower rates while they last. If you want to be proactive with your planning, this conversation offers practical insights to help you make the most of today’s tax environment.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Tony Layson</podcast:person>
                                    <podcast:person role="host" group="hosts">Skyelyn Layson</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Sat, 11 Apr 2026 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[In this episode, we explore why some experts say “taxes are on sale” and what that could mean for your financial strategy. We break down current tax conditions, potential future changes, and opportunities to take advantage of lower rates while they last. If you want to be proactive with your planning, this conversation offers practical insights to help you make the most of today’s tax environment.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Episode 11:  Financial Myths That Could Be Costing You Money]]>
                </title>
                                <description>
                                            <![CDATA[In this episode, we debunk the common misconceptions about credit scores, debt management, and high-yield savings that often lead to missed financial opportunities. We break down the psychological traps of &quot;get-rich-quick&quot; mentalities and why playing it too safe with your cash might actually be eroding your long-term wealth. Tune in to learn how to distinguish outdated conventional wisdom from the modern strategies you need to keep your portfolio thriving.]]>
                                    </description>
                <pubDate>Sat, 04 Apr 2026 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-10104</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/fzIgxbfyFijwoP4U5TCAuzvfGg97hzStSqeW2da2.mp3"  length="30075360"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Tony Layson and Skyelyn Layson]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[In this episode, we debunk the common misconceptions about credit scores, debt management, and high-yield savings that often lead to missed financial opportunities. We break down the psychological traps of &quot;get-rich-quick&quot; mentalities and why playing it too safe with your cash might actually be eroding your long-term wealth. Tune in to learn how to distinguish outdated conventional wisdom from the modern strategies you need to keep your portfolio thriving.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Tony Layson</podcast:person>
                                    <podcast:person role="host" group="hosts">Skyelyn Layson</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Sat, 04 Apr 2026 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[In this episode, we debunk the common misconceptions about credit scores, debt management, and high-yield savings that often lead to missed financial opportunities. We break down the psychological traps of &quot;get-rich-quick&quot; mentalities and why playing it too safe with your cash might actually be eroding your long-term wealth. Tune in to learn how to distinguish outdated conventional wisdom from the modern strategies you need to keep your portfolio thriving.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Episode 10: Market Volatility &amp; Headlines: What Should You Actually Do?]]>
                </title>
                                <description>
                                            <![CDATA[In this episode, we strip away the sensationalist media noise to examine the true drivers behind recent market swings and why your portfolio might be reacting the way it is. We discuss the psychological traps of &quot;headline stress&quot; and provide a clear framework for distinguishing between temporary market turbulence and actual long-term risk.]]>
                                    </description>
                <pubDate>Sat, 28 Mar 2026 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-10073</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/lhg2n12ulbSZ3dEqjgrP7rGXcdUiJhvuRXZ52n3f.mp3"  length="29471970"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Tony Layson and Skyelyn Layson]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[In this episode, we strip away the sensationalist media noise to examine the true drivers behind recent market swings and why your portfolio might be reacting the way it is. We discuss the psychological traps of &quot;headline stress&quot; and provide a clear framework for distinguishing between temporary market turbulence and actual long-term risk.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Tony Layson</podcast:person>
                                    <podcast:person role="host" group="hosts">Skyelyn Layson</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Sat, 28 Mar 2026 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[In this episode, we strip away the sensationalist media noise to examine the true drivers behind recent market swings and why your portfolio might be reacting the way it is. We discuss the psychological traps of &quot;headline stress&quot; and provide a clear framework for distinguishing between temporary market turbulence and actual long-term risk.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Episode 9: The Best Financial Advice We&#039;ve Ever Received]]>
                </title>
                                <description>
                                            <![CDATA[In this episode, we strip away the complex jargon and reveal the single most impactful pieces of financial wisdom we’ve ever encountered. From the power of automated systems to the psychological shifts required for long-term wealth, we explore how these simple lessons transformed their professional trajectories. Join us as we break down why the best advice is often the most timeless—and how you can apply these &quot;aha moments&quot; to your own portfolio today.]]>
                                    </description>
                <pubDate>Sat, 21 Mar 2026 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-10036</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/qHVLUuqRsajAisOhlNMbVkkLeDWAxv5He3UaBVxg.mp3"  length="35217424"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Tony Layson and Skyelyn Layson]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[In this episode, we strip away the complex jargon and reveal the single most impactful pieces of financial wisdom we’ve ever encountered. From the power of automated systems to the psychological shifts required for long-term wealth, we explore how these simple lessons transformed their professional trajectories. Join us as we break down why the best advice is often the most timeless—and how you can apply these &quot;aha moments&quot; to your own portfolio today.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Tony Layson</podcast:person>
                                    <podcast:person role="host" group="hosts">Skyelyn Layson</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Sat, 21 Mar 2026 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[In this episode, we strip away the complex jargon and reveal the single most impactful pieces of financial wisdom we’ve ever encountered. From the power of automated systems to the psychological shifts required for long-term wealth, we explore how these simple lessons transformed their professional trajectories. Join us as we break down why the best advice is often the most timeless—and how you can apply these &quot;aha moments&quot; to your own portfolio today.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Spring Clean Your Finances: 7 Things to Review Before the Year Gets Away From You]]>
                </title>
                                <description>
                                            <![CDATA[In this episode, we break down seven essential financial moves you should make right now to declutter your accounts and set yourself up for long-term success. We’ll guide you through everything from auditing your subscriptions to rebalancing your portfolio before the mid-year rush begins. Plus, we take a quick detour to Georgia for some travel inspiration as we discuss the highlights of the upcoming Macon Cherry Blossom Festival.]]>
                                    </description>
                <pubDate>Sat, 14 Mar 2026 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-10006</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/evHsYXcHesd6AucPAnMF0jt5pArHGvZztF0pytXP.mp3"  length="27655464"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Tony Layson and Skyelyn Layson]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[In this episode, we break down seven essential financial moves you should make right now to declutter your accounts and set yourself up for long-term success. We’ll guide you through everything from auditing your subscriptions to rebalancing your portfolio before the mid-year rush begins. Plus, we take a quick detour to Georgia for some travel inspiration as we discuss the highlights of the upcoming Macon Cherry Blossom Festival.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Tony Layson</podcast:person>
                                    <podcast:person role="host" group="hosts">Skyelyn Layson</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Sat, 14 Mar 2026 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[In this episode, we break down seven essential financial moves you should make right now to declutter your accounts and set yourself up for long-term success. We’ll guide you through everything from auditing your subscriptions to rebalancing your portfolio before the mid-year rush begins. Plus, we take a quick detour to Georgia for some travel inspiration as we discuss the highlights of the upcoming Macon Cherry Blossom Festival.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[RMDs Explained Clearly: What You Need to Know Before the IRS Decides For You]]>
                </title>
                                <description>
                                            <![CDATA[Navigating Required Minimum Distributions (RMDs) doesn’t have to feel like a race against the IRS clock. This episode breaks down the latest age requirements and calculation methods to help you avoid the steep 25% penalty for missed withdrawals. Learn how to strategically integrate these distributions into your broader retirement plan so you can keep more of your hard-earned savings.]]>
                                    </description>
                <pubDate>Sat, 07 Mar 2026 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-9948</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/ou75Byek44Vy9M8snM7PMgX9FLsqcpUr3sMhwS0W.mp3"  length="29687446"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Tony Layson and Skyelyn Layson]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[Navigating Required Minimum Distributions (RMDs) doesn’t have to feel like a race against the IRS clock. This episode breaks down the latest age requirements and calculation methods to help you avoid the steep 25% penalty for missed withdrawals. Learn how to strategically integrate these distributions into your broader retirement plan so you can keep more of your hard-earned savings.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Tony Layson</podcast:person>
                                    <podcast:person role="host" group="hosts">Skyelyn Layson</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Sat, 07 Mar 2026 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[Navigating Required Minimum Distributions (RMDs) doesn’t have to feel like a race against the IRS clock. This episode breaks down the latest age requirements and calculation methods to help you avoid the steep 25% penalty for missed withdrawals. Learn how to strategically integrate these distributions into your broader retirement plan so you can keep more of your hard-earned savings.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[The Retirement Paycheck: How Do You Replace Your Income When Work Stops?]]>
                </title>
                                <description>
                                            <![CDATA[Transitioning from a steady salary to a self-funded lifestyle is one of the biggest psychological and financial shifts you will ever face. In this episode, we break down the &quot;bucket strategy&quot; and other reliable distribution methods to help you manufacture a consistent monthly paycheck from your portfolio. Tune in to learn how to minimize taxes and protect your nest egg so you can spend with confidence throughout your golden years.]]>
                                    </description>
                <pubDate>Sat, 28 Feb 2026 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-9907</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/gjQZdghYU7qa80w71NjhIPD70vyOIfh3DfaJUqsa.mp3"  length="35231618"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Tony Layson and Skyelyn Layson]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[Transitioning from a steady salary to a self-funded lifestyle is one of the biggest psychological and financial shifts you will ever face. In this episode, we break down the &quot;bucket strategy&quot; and other reliable distribution methods to help you manufacture a consistent monthly paycheck from your portfolio. Tune in to learn how to minimize taxes and protect your nest egg so you can spend with confidence throughout your golden years.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Tony Layson</podcast:person>
                                    <podcast:person role="host" group="hosts">Skyelyn Layson</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Sat, 28 Feb 2026 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[Transitioning from a steady salary to a self-funded lifestyle is one of the biggest psychological and financial shifts you will ever face. In this episode, we break down the &quot;bucket strategy&quot; and other reliable distribution methods to help you manufacture a consistent monthly paycheck from your portfolio. Tune in to learn how to minimize taxes and protect your nest egg so you can spend with confidence throughout your golden years.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[What Happens to Your Money When You Die?]]>
                </title>
                                <description>
                                            <![CDATA[In this episode, we demystify the complex journey your assets take after you’ve passed, from the initial freeze of bank accounts to the final distribution of inheritance. We dive into the critical differences between wills, trusts, and dying intestate to show how state laws can dictate your family&#039;s financial future if you haven&#039;t prepared. Finally, our experts share actionable steps to ensure your beneficiaries are protected and your legacy remains exactly as you intended.]]>
                                    </description>
                <pubDate>Sat, 21 Feb 2026 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-9873</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/1R8pT4jiRmvfc5jNHiimcGvUscUSNhSiT3J0TCRI.mp3"  length="30272516"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Tony Layson and Skyelyn Layson]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[In this episode, we demystify the complex journey your assets take after you’ve passed, from the initial freeze of bank accounts to the final distribution of inheritance. We dive into the critical differences between wills, trusts, and dying intestate to show how state laws can dictate your family&#039;s financial future if you haven&#039;t prepared. Finally, our experts share actionable steps to ensure your beneficiaries are protected and your legacy remains exactly as you intended.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Tony Layson</podcast:person>
                                    <podcast:person role="host" group="hosts">Skyelyn Layson</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Sat, 21 Feb 2026 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[In this episode, we demystify the complex journey your assets take after you’ve passed, from the initial freeze of bank accounts to the final distribution of inheritance. We dive into the critical differences between wills, trusts, and dying intestate to show how state laws can dictate your family&#039;s financial future if you haven&#039;t prepared. Finally, our experts share actionable steps to ensure your beneficiaries are protected and your legacy remains exactly as you intended.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Women, Wealth &amp; Self-Love: Why Women-Focused Financial Planning Matters]]>
                </title>
                                <description>
                                            <![CDATA[In this episode, we explore why traditional financial models often fail to account for the unique life trajectories of women, from career gaps to longer life expectancies. We dive into the essential connection between financial literacy and self-worth, highlighting how intentional planning serves as a powerful act of self-care. Join us as we share actionable strategies to help you take command of your economic future and build a legacy rooted in security and confidence.]]>
                                    </description>
                <pubDate>Sat, 14 Feb 2026 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-9820</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/YWQXdAqQd3iLJopTwmWX8EYOnzBKCBTRJROXHzVF.mp3"  length="31056796"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Tony Layson and Skyelyn Layson]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[In this episode, we explore why traditional financial models often fail to account for the unique life trajectories of women, from career gaps to longer life expectancies. We dive into the essential connection between financial literacy and self-worth, highlighting how intentional planning serves as a powerful act of self-care. Join us as we share actionable strategies to help you take command of your economic future and build a legacy rooted in security and confidence.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Tony Layson</podcast:person>
                                    <podcast:person role="host" group="hosts">Skyelyn Layson</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Sat, 14 Feb 2026 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[In this episode, we explore why traditional financial models often fail to account for the unique life trajectories of women, from career gaps to longer life expectancies. We dive into the essential connection between financial literacy and self-worth, highlighting how intentional planning serves as a powerful act of self-care. Join us as we share actionable strategies to help you take command of your economic future and build a legacy rooted in security and confidence.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Life Insurance Is Love]]>
                </title>
                                <description>
                                            <![CDATA[To kick off February, which we like to consider Love Month, we dive deep into life insurance. We compare two different types of life insurance: Term and Whole Life. We finish the episode off with why IUL&#039;s are a great act of love.]]>
                                    </description>
                <pubDate>Sat, 07 Feb 2026 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-9761</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/LZ62thwmikrPpcCmzl1KJS2bLsEioC56sqJ3CpPv.mp3"  length="40910600"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Tony Layson and Skyelyn Layson]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[To kick off February, which we like to consider Love Month, we dive deep into life insurance. We compare two different types of life insurance: Term and Whole Life. We finish the episode off with why IUL&#039;s are a great act of love.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Tony Layson</podcast:person>
                                    <podcast:person role="host" group="hosts">Skyelyn Layson</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Sat, 07 Feb 2026 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[To kick off February, which we like to consider Love Month, we dive deep into life insurance. We compare two different types of life insurance: Term and Whole Life. We finish the episode off with why IUL&#039;s are a great act of love.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Why Paying Taxes Now Could Save You Later]]>
                </title>
                                <description>
                                            <![CDATA[In this episode, we explore the strategic benefits of proactive tax planning and why voluntarily paying taxes today can protect your wealth from future rate hikes. We break down the mechanics of Roth conversions and tax-bracket management, illustrating how &quot;front-loading&quot; your tax bill can lead to a significantly larger tax-free nest egg in retirement. Tune in to learn how to stop viewing taxes as a yearly chore and start using them as a powerful tool to maximize your long-term financial legacy.]]>
                                    </description>
                <pubDate>Sat, 31 Jan 2026 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-9696</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/qR2Z1PJrRQsgGvpYcyJw0oG3aVUUSupdtjp6ONtm.mp3"  length="33850250"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Tony Layson and Skyelyn Layson]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[In this episode, we explore the strategic benefits of proactive tax planning and why voluntarily paying taxes today can protect your wealth from future rate hikes. We break down the mechanics of Roth conversions and tax-bracket management, illustrating how &quot;front-loading&quot; your tax bill can lead to a significantly larger tax-free nest egg in retirement. Tune in to learn how to stop viewing taxes as a yearly chore and start using them as a powerful tool to maximize your long-term financial legacy.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Tony Layson</podcast:person>
                                    <podcast:person role="host" group="hosts">Skyelyn Layson</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Sat, 31 Jan 2026 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[In this episode, we explore the strategic benefits of proactive tax planning and why voluntarily paying taxes today can protect your wealth from future rate hikes. We break down the mechanics of Roth conversions and tax-bracket management, illustrating how &quot;front-loading&quot; your tax bill can lead to a significantly larger tax-free nest egg in retirement. Tune in to learn how to stop viewing taxes as a yearly chore and start using them as a powerful tool to maximize your long-term financial legacy.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[What&#039;s New for 2025 Tax Returns]]>
                </title>
                                <description>
                                            <![CDATA[This episode dives into the sweeping changes introduced by the &quot;One Big Beautiful Bill Act&quot; and how they will impact your 2025 tax filings in early 2026. We break down the massive updates, including the significantly higher standard deduction, the increased $2,200 child tax credit, and groundbreaking new deductions for tips, overtime pay, and American-made car loan interest. Learn how to navigate these &quot;big beautiful&quot; updates to ensure you maximize your refund this season.]]>
                                    </description>
                <pubDate>Fri, 23 Jan 2026 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-9672</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/JNlAzIQQplTgakXufw0dmqoh7mtcdYQPPd5UW8J8.mp3"  length="35967884"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Tony Layson and Skyelyn Layson]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[This episode dives into the sweeping changes introduced by the &quot;One Big Beautiful Bill Act&quot; and how they will impact your 2025 tax filings in early 2026. We break down the massive updates, including the significantly higher standard deduction, the increased $2,200 child tax credit, and groundbreaking new deductions for tips, overtime pay, and American-made car loan interest. Learn how to navigate these &quot;big beautiful&quot; updates to ensure you maximize your refund this season.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Tony Layson</podcast:person>
                                    <podcast:person role="host" group="hosts">Skyelyn Layson</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Fri, 23 Jan 2026 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[This episode dives into the sweeping changes introduced by the &quot;One Big Beautiful Bill Act&quot; and how they will impact your 2025 tax filings in early 2026. We break down the massive updates, including the significantly higher standard deduction, the increased $2,200 child tax credit, and groundbreaking new deductions for tips, overtime pay, and American-made car loan interest. Learn how to navigate these &quot;big beautiful&quot; updates to ensure you maximize your refund this season.]]>
                    </content:encoded>
                            </item>
            </channel>
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