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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.]]>
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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>Tue, 11 Aug 2026 00:21:15 +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[When Life Changes, Your Financial Plan Should Too]]>
                </title>
                                <description>
                                            <![CDATA[In this solo episode of Money on the Table, host Skye Layson explores how major life transitions—from planned events like retirement to sudden shifts like job changes or personal loss—require timely adjustments to your financial plan. She breaks down essential steps to take during these pivot points, including reviewing beneficiary designations, updating tax withholdings, and re-evaluating insurance coverage and cash reserves. Skye emphasizes the importance of pacing yourself through emotional decisions and leaning on a trusted advisor to ensure your finances stay aligned with your evolving life goals.]]>
                                    </description>
                <pubDate>Sat, 08 Aug 2026 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-10902</guid>

                
                
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                <itunes:author>
                    <![CDATA[Tony Layson and Skyelyn Layson]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[In this solo episode of Money on the Table, host Skye Layson explores how major life transitions—from planned events like retirement to sudden shifts like job changes or personal loss—require timely adjustments to your financial plan. She breaks down essential steps to take during these pivot points, including reviewing beneficiary designations, updating tax withholdings, and re-evaluating insurance coverage and cash reserves. Skye emphasizes the importance of pacing yourself through emotional decisions and leaning on a trusted advisor to ensure your finances stay aligned with your evolving life goals.]]>
                                    </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, 08 Aug 2026 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[In this solo episode of Money on the Table, host Skye Layson explores how major life transitions—from planned events like retirement to sudden shifts like job changes or personal loss—require timely adjustments to your financial plan. She breaks down essential steps to take during these pivot points, including reviewing beneficiary designations, updating tax withholdings, and re-evaluating insurance coverage and cash reserves. Skye emphasizes the importance of pacing yourself through emotional decisions and leaning on a trusted advisor to ensure your finances stay aligned with your evolving life goals.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Can You Trust Financial Advice on Social Media?]]>
                </title>
                                <description>
                                            <![CDATA[This episode examines the risks and realities of relying on viral financial trends and self-proclaimed experts on social media platforms. We discuss how to spot misleading advice and separate reliable guidance from dangerous speculation. Listeners will gain practical tips to protect their wealth and make informed decisions with the help of qualified advisors.]]>
                                    </description>
                <pubDate>Sat, 01 Aug 2026 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-10860</guid>

                
                
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                <itunes:author>
                    <![CDATA[Tony Layson and Skyelyn Layson]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[This episode examines the risks and realities of relying on viral financial trends and self-proclaimed experts on social media platforms. We discuss how to spot misleading advice and separate reliable guidance from dangerous speculation. Listeners will gain practical tips to protect their wealth and make informed decisions with the help of qualified advisors.]]>
                                    </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, 01 Aug 2026 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[This episode examines the risks and realities of relying on viral financial trends and self-proclaimed experts on social media platforms. We discuss how to spot misleading advice and separate reliable guidance from dangerous speculation. Listeners will gain practical tips to protect their wealth and make informed decisions with the help of qualified advisors.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Episode 26: Trump Accounts – The New Tax Strategy Every Parent Needs to Understand]]>
                </title>
                                <description>
                                            <![CDATA[In this episode Skye welcomes Greta O&#039;Hara to the show, and they talk about the new Trump Accounts... How they work and how they may be able to benefit you and your family.]]>
                                    </description>
                <pubDate>Sat, 18 Jul 2026 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-10781</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/nx5G29dNSPBQirgQfyW8NivOOhK9bZTqlasf4knl.mp3"  length="37603848"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Tony Layson and Skyelyn Layson]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[In this episode Skye welcomes Greta O&#039;Hara to the show, and they talk about the new Trump Accounts... How they work and how they may be able to benefit you and your family.]]>
                                    </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 Jul 2026 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[In this episode Skye welcomes Greta O&#039;Hara to the show, and they talk about the new Trump Accounts... How they work and how they may be able to benefit you and your family.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Episode 25: Your 401(k) Is NOT Your Emergency Fund]]>
                </title>
                                <description>
                                            <![CDATA[When a sudden crisis hits, tapping into your workplace retirement account can feel like the easiest fix, but it often triggers a cascade of permanent financial damage. This episode breaks down the true cost of 401(k) loans and early withdrawal penalties that can quietly derail your compounding growth for decades. Tune in to learn why separating your safety net from your retirement nest egg is the ultimate rule for long-term wealth protection.]]>
                                    </description>
                <pubDate>Sat, 11 Jul 2026 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-10739</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/hgiu0raSPBD2MYikxEPmQQ8ia1zcabgFj5XU6Xhp.mp3"  length="30900532"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Tony Layson and Skyelyn Layson]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[When a sudden crisis hits, tapping into your workplace retirement account can feel like the easiest fix, but it often triggers a cascade of permanent financial damage. This episode breaks down the true cost of 401(k) loans and early withdrawal penalties that can quietly derail your compounding growth for decades. Tune in to learn why separating your safety net from your retirement nest egg is the ultimate rule for long-term wealth protection.]]>
                                    </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 Jul 2026 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[When a sudden crisis hits, tapping into your workplace retirement account can feel like the easiest fix, but it often triggers a cascade of permanent financial damage. This episode breaks down the true cost of 401(k) loans and early withdrawal penalties that can quietly derail your compounding growth for decades. Tune in to learn why separating your safety net from your retirement nest egg is the ultimate rule for long-term wealth protection.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Episode 24: The AI Bubble – Is This the New Dot-Com Bubble?]]>
                </title>
                                <description>
                                            <![CDATA[As artificial intelligence stocks drive the market to historic highs, investors are left wondering if we are witnessing a revolutionary tech boom or an unsustainable financial bubble. This episode compares today’s AI frenzy to the late-1990s dot-com crash, breaking down key differences in corporate earnings, tech infrastructure, and market concentration. Tune in to discover whether it’s time to double down on AI or protect your portfolio from a looming correction.]]>
                                    </description>
                <pubDate>Sat, 04 Jul 2026 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-10702</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/9iy58ivLuuJNW4k5afPY2u9tSuTTeIQni68pAFUv.mp3"  length="30096696"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Tony Layson and Skyelyn Layson]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[As artificial intelligence stocks drive the market to historic highs, investors are left wondering if we are witnessing a revolutionary tech boom or an unsustainable financial bubble. This episode compares today’s AI frenzy to the late-1990s dot-com crash, breaking down key differences in corporate earnings, tech infrastructure, and market concentration. Tune in to discover whether it’s time to double down on AI or protect your portfolio from a looming correction.]]>
                                    </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 Jul 2026 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[As artificial intelligence stocks drive the market to historic highs, investors are left wondering if we are witnessing a revolutionary tech boom or an unsustainable financial bubble. This episode compares today’s AI frenzy to the late-1990s dot-com crash, breaking down key differences in corporate earnings, tech infrastructure, and market concentration. Tune in to discover whether it’s time to double down on AI or protect your portfolio from a looming correction.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Episode 23: The Tax Code Is Full of Incentives—Most People Just Don’t Know They Exist]]>
                </title>
                                <description>
                                            <![CDATA[Most people view the tax code as a burden, but it is actually a massive rulebook of financial rewards designed to incentivize your saving and investing habits. This episode reveals the hidden strategic loopholes that the IRS uses to encourage wealth building—most of which go completely unnoticed by the average filer. Tune in to discover how changing your perspective on taxes can unlock incredible opportunities to keep more of your hard-earned money and supercharge your retirement nest egg.]]>
                                    </description>
                <pubDate>Sat, 27 Jun 2026 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-10661</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/oQmuliG8IwENcaPZFPoCs3a3eMXyrPKyY1aTXhnA.mp3"  length="33174430"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Tony Layson and Skyelyn Layson]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[Most people view the tax code as a burden, but it is actually a massive rulebook of financial rewards designed to incentivize your saving and investing habits. This episode reveals the hidden strategic loopholes that the IRS uses to encourage wealth building—most of which go completely unnoticed by the average filer. Tune in to discover how changing your perspective on taxes can unlock incredible opportunities to keep more of your hard-earned money and supercharge your retirement nest egg.]]>
                                    </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, 27 Jun 2026 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[Most people view the tax code as a burden, but it is actually a massive rulebook of financial rewards designed to incentivize your saving and investing habits. This episode reveals the hidden strategic loopholes that the IRS uses to encourage wealth building—most of which go completely unnoticed by the average filer. Tune in to discover how changing your perspective on taxes can unlock incredible opportunities to keep more of your hard-earned money and supercharge your retirement nest egg.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Episode 22: Social Security for Spouses, Widows, Widowers &amp; Ex-Spouses]]>
                </title>
                                <description>
                                            <![CDATA[Navigating Social Security is complicated enough on your own, but the rules change drastically when you factor in a current, former, or deceased spouse. This episode untangles the complexities of spousal and survivor benefits, revealing how to unlock up to 100% of a late partner&#039;s record or claim on an ex-spouse’s history. Tune in to learn the crucial age thresholds, marriage-length requirements, and filing strategies that could significantly increase your household&#039;s lifetime retirement income.]]>
                                    </description>
                <pubDate>Sat, 20 Jun 2026 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-10614</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/1yGOPo9io13cB6kx0a0WUX1SMkXQlepyhAjVgTY4.mp3"  length="26514888"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Tony Layson and Skyelyn Layson]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[Navigating Social Security is complicated enough on your own, but the rules change drastically when you factor in a current, former, or deceased spouse. This episode untangles the complexities of spousal and survivor benefits, revealing how to unlock up to 100% of a late partner&#039;s record or claim on an ex-spouse’s history. Tune in to learn the crucial age thresholds, marriage-length requirements, and filing strategies that could significantly increase your household&#039;s lifetime retirement income.]]>
                                    </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, 20 Jun 2026 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[Navigating Social Security is complicated enough on your own, but the rules change drastically when you factor in a current, former, or deceased spouse. This episode untangles the complexities of spousal and survivor benefits, revealing how to unlock up to 100% of a late partner&#039;s record or claim on an ex-spouse’s history. Tune in to learn the crucial age thresholds, marriage-length requirements, and filing strategies that could significantly increase your household&#039;s lifetime retirement income.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Episode 21: Social Security Explained: The Rules That Could Cost You Thousands]]>
                </title>
                                <description>
                                            <![CDATA[Navigating the complex maze of Social Security rules is notoriously difficult, and a single misstep can permanently slash your lifetime retirement income. This episode exposes the hidden traps that catch retirees off guard, from miscalculating your Full Retirement Age to triggering the early earnings penalty while working. Tune in to discover how strategic timing can maximize your monthly checks and prevent you from leaving tens of thousands of dollars on the table.]]>
                                    </description>
                <pubDate>Sat, 13 Jun 2026 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-10597</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/rI0mb6KWiNA6Q7WYABrHAY66GB1cYVyaAmYyssHb.mp3"  length="27366388"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Tony Layson and Skyelyn Layson]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[Navigating the complex maze of Social Security rules is notoriously difficult, and a single misstep can permanently slash your lifetime retirement income. This episode exposes the hidden traps that catch retirees off guard, from miscalculating your Full Retirement Age to triggering the early earnings penalty while working. Tune in to discover how strategic timing can maximize your monthly checks and prevent you from leaving tens of thousands of dollars on the table.]]>
                                    </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, 13 Jun 2026 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[Navigating the complex maze of Social Security rules is notoriously difficult, and a single misstep can permanently slash your lifetime retirement income. This episode exposes the hidden traps that catch retirees off guard, from miscalculating your Full Retirement Age to triggering the early earnings penalty while working. Tune in to discover how strategic timing can maximize your monthly checks and prevent you from leaving tens of thousands of dollars on the table.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Episode 20: &quot;I Thought the Will Controlled Everything...&quot; - Room Full of Women]]>
                </title>
                                <description>
                                            <![CDATA[It is one of the biggest and most costly misconceptions in estate planning: assuming your will dictates exactly where all your assets go. In reality, accounts with designated beneficiaries—like your IRA, 401(k), or life insurance—bypass your will entirely, often leaving assets to ex-spouses or unintended relatives if left unupdated. This episode explores why your beneficiary designations hold the real power and how a room full of women can take control of their financial legacy today.]]>
                                    </description>
                <pubDate>Sat, 06 Jun 2026 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-10542</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/LYctNj6cCCE41PYK0na89XbmUQJgHlQX5HRR2xe6.mp3"  length="36855584"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Tony Layson and Skyelyn Layson]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[It is one of the biggest and most costly misconceptions in estate planning: assuming your will dictates exactly where all your assets go. In reality, accounts with designated beneficiaries—like your IRA, 401(k), or life insurance—bypass your will entirely, often leaving assets to ex-spouses or unintended relatives if left unupdated. This episode explores why your beneficiary designations hold the real power and how a room full of women can take control of their financial legacy 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, 06 Jun 2026 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[It is one of the biggest and most costly misconceptions in estate planning: assuming your will dictates exactly where all your assets go. In reality, accounts with designated beneficiaries—like your IRA, 401(k), or life insurance—bypass your will entirely, often leaving assets to ex-spouses or unintended relatives if left unupdated. This episode explores why your beneficiary designations hold the real power and how a room full of women can take control of their financial legacy today.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Episode 19: The Retirement Tax Trap: Why Timing Your Withdrawals Matters]]>
                </title>
                                <description>
                                            <![CDATA[Many retirees assume their tax bracket will naturally drop in retirement, but pulling money from the wrong accounts at the wrong time can trigger an unexpected tax trap. This episode reveals how strategic withdrawal timing can protect your hard-earned savings from excessive taxation and costly penalties. Tune in to learn how to coordinate your income sources so you keep more money in your pocket and less in the hands of the IRS.]]>
                                    </description>
                <pubDate>Sat, 30 May 2026 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-10517</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/VgSd55cJCOT4yaOnBiAYnxiHiVl2eIhlAqqVHWrQ.mp3"  length="31213346"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Tony Layson and Skyelyn Layson]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[Many retirees assume their tax bracket will naturally drop in retirement, but pulling money from the wrong accounts at the wrong time can trigger an unexpected tax trap. This episode reveals how strategic withdrawal timing can protect your hard-earned savings from excessive taxation and costly penalties. Tune in to learn how to coordinate your income sources so you keep more money in your pocket and less in the hands of the IRS.]]>
                                    </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, 30 May 2026 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[Many retirees assume their tax bracket will naturally drop in retirement, but pulling money from the wrong accounts at the wrong time can trigger an unexpected tax trap. This episode reveals how strategic withdrawal timing can protect your hard-earned savings from excessive taxation and costly penalties. Tune in to learn how to coordinate your income sources so you keep more money in your pocket and less in the hands of the IRS.]]>
                    </content:encoded>
                            </item>
                    <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>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/24kShR1DgqJ7NfuvtnK1ik85E5NWVnz0TOXPFMHo.mp3"  length="35164964"  type="audio/mpeg" />

                
                <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>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/2IE8zygJY1ZDtju0jS34OmBnOeYsMjzrI6WhLdYv.mp3"  length="33816402"  type="audio/mpeg" />

                
                <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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