https://simplecast.com "No Lazy Money" is a monthly financial podcast from 760 WJR and Peak Wealth Management that's designed to help you make your money work as hard as you do. With real talk, practical strategies, and a focus on education, the show tackles everything from smart investing and tax planning to retirement readiness and financial habits that build confidence. Whether you’re just starting out or approaching the “retirement red zone,” "No Lazy Money" gives you the tools and insights to stop letting your money sit idle and start putting it to work for your future. 2025 ~ Cumulus Media en Wed, 6 May 2026 19:00:00 +0000 Thu, 7 May 2026 16:19:39 +0000 https://no-lazy-money.simplecast.com https://image.simplecastcdn.com/images/51e42878-f1e7-4a15-8016-b011524d9dac/4236e948-f71f-4c42-ae49-ba9b62f51415/3000x3000/peaknolazymoneypodtileedit.jpg?aid=rss_feed https://no-lazy-money.simplecast.com episodic "No Lazy Money" is a monthly financial podcast from 760 WJR and Peak Wealth Management that's designed to help you make your money work as hard as you do. With real talk, practical strategies, and a focus on education, the show tackles everything from smart investing and tax planning to retirement readiness and financial habits that build confidence. Whether you’re just starting out or approaching the “retirement red zone,” "No Lazy Money" gives you the tools and insights to stop letting your money sit idle and start putting it to work for your future. Cumulus Media Detroit false https://feeds.simplecast.com/3mTOMOxH Cumulus Media curtis.paul@cumulus.com 35ca7b0d-ab2f-4be7-8252-60c919a8e527 Wed, 6 May 2026 19:00:00 +0000 curtis.paul@cumulus.com (Cumulus Media) https://no-lazy-money.simplecast.com/episodes/optimize-your-financial-future-avoiding-common-retirement-pitfalls-_SmX5aYs Optimize Your Financial Future: Avoiding Common Retirement Pitfalls Cumulus Media 00:37:50 May 6, 2026 ~ Hosts Ryan Ermanni and Nick Hopwood discussed concentration risk, where too much of a portfolio is in one stock, and solutions like 721 exchanges or donation strategies. They also talked about 401(k) plans for small businesses and when to claim Social Security. May 6, 2026 ~ Hosts Ryan Ermanni and Nick Hopwood discussed concentration risk, where too much of a portfolio is in one stock, and solutions like 721 exchanges or donation strategies. They also talked about 401(k) plans for small businesses and when to claim Social Security. false full 6 33a56562-f224-453d-bbf9-3fd95ad43f70 Thu, 2 Apr 2026 02:00:00 +0000 curtis.paul@cumulus.com (Cumulus Media) https://no-lazy-money.simplecast.com/episodes/smart-money-your-guide-to-market-swings-and-retirement-readiness-gyHcibAe Smart Money: Your Guide to Market Swings and Retirement Readiness Cumulus Media 00:37:49 April 1, 2026 ~ Nick Hopwood and Ryan Ermani discuss navigating market volatility, emphasizing that corrections are normal and a good financial plan helps weather these storms. They talk about pre-retirement planning, stressing the importance of having enough money and a plan for filling leisure time. April 1, 2026 ~ Nick Hopwood and Ryan Ermani discuss navigating market volatility, emphasizing that corrections are normal and a good financial plan helps weather these storms. They talk about pre-retirement planning, stressing the importance of having enough money and a plan for filling leisure time. false full 5 07ee25ec-73b9-4da7-acdf-343f2b2f0d93 Thu, 5 Mar 2026 03:00:00 +0000 curtis.paul@cumulus.com (Cumulus Media) https://no-lazy-money.simplecast.com/episodes/smart-money-moves-avoiding-pitfalls-and-building-wealth-l_bV2ZMF Smart Money Moves: Avoiding Pitfalls and Building Wealth Cumulus Media 00:39:37 March 4, 2026 ~ Hosts Ryan Ermanni and Nick Hopwood discuss mutual fund capital gains distributions, citing an example of a client who owes a large sum in taxes without selling assets. They explain how Obamacare subsidies could be lost if income exceeds $84,000, and highlight the potential of “Trump accounts” for long-term wealth creation for children. The speakers also touch upon proposed wealth taxes in the Netherlands and California, and the broader economic implications of various tax policies. March 4, 2026 ~ Hosts Ryan Ermanni and Nick Hopwood discuss mutual fund capital gains distributions, citing an example of a client who owes a large sum in taxes without selling assets. They explain how Obamacare subsidies could be lost if income exceeds $84,000, and highlight the potential of “Trump accounts” for long-term wealth creation for children. The speakers also touch upon proposed wealth taxes in the Netherlands and California, and the broader economic implications of various tax policies. false full 4 3debcd9f-c93b-4280-9a42-1d05e992bffc Thu, 5 Feb 2026 03:00:00 +0000 curtis.paul@cumulus.com (Cumulus Media) https://no-lazy-money.simplecast.com/episodes/invest-smart-your-guide-to-navigating-market-swings-and-retirement-Mj1MVT8Q Invest Smart: Your Guide to Navigating Market Swings and Retirement Cumulus Media 00:42:20 Feb. 4, 2026 ~ This episode discusses how politics affects investing, advising listeners to avoid panic-selling based on news. It highlights the importance of an automatic financial plan for wealth building and offers insights on retirement planning, including four key questions to ask oneself. The hosts also describe the five stages of retirement, from anticipation to fulfillment, stressing the need for meaningful activities beyond leisure. Feb. 4, 2026 ~ This episode discusses how politics affects investing, advising listeners to avoid panic-selling based on news. It highlights the importance of an automatic financial plan for wealth building and offers insights on retirement planning, including four key questions to ask oneself. The hosts also describe the five stages of retirement, from anticipation to fulfillment, stressing the need for meaningful activities beyond leisure. false full 3 45c03ff6-c80a-49d2-a87b-db7626d3370e Thu, 8 Jan 2026 08:00:00 +0000 curtis.paul@cumulus.com (Cumulus Media) https://no-lazy-money.simplecast.com/episodes/plan-first-profit-later-the-secret-to-smart-investing-QqAYFh0f Plan First, Profit Later: The Secret to Smart Investing Cumulus Media 00:37:50 Jan. 7, 2025 ~ In this episode of “No Lazy Money,” host Ryan Ermanni sits down with Nick Hopwood and Jim Pilat of Peak Wealth Management to uncover why true financial success starts with planning—not just chasing returns. You’ll learn why understanding your goals is the foundation for smart investing, and how strategies like Roth conversions, donor-advised funds, and tax-loss harvesting can save you thousands over time. Plus, discover why tax planning is the hottest trend in wealth management and how to avoid costly mistakes with your 401(k), IRA, and HSA contributions. Jan. 7, 2025 ~ In this episode of “No Lazy Money,” host Ryan Ermanni sits down with Nick Hopwood and Jim Pilat of Peak Wealth Management to uncover why true financial success starts with planning—not just chasing returns. You’ll learn why understanding your goals is the foundation for smart investing, and how strategies like Roth conversions, donor-advised funds, and tax-loss harvesting can save you thousands over time. Plus, discover why tax planning is the hottest trend in wealth management and how to avoid costly mistakes with your 401(k), IRA, and HSA contributions. false full 2 02fbe3fa-4d0d-4503-b340-cd7f1ca64426 Thu, 4 Dec 2025 08:00:00 +0000 curtis.paul@cumulus.com (Cumulus Media) https://no-lazy-money.simplecast.com/episodes/stop-letting-your-money-netflix-and-chill-J47afIk8 Stop Letting Your Money Netflix and Chill Cumulus Media 00:42:19 Dec. 6, 2025 ~ In the debut episode of "No Lazy Money," host Ryan Ermanni speaks with Nick Hopwood and Jim Pilat of Peak Wealth Management to reveal why leaving your cash sitting in a bank account is costing you big time, and what to do instead. You’ll learn simple, actionable steps to make your money work harder, from high-yield savings strategies to smart tax moves like Roth conversions. Plus, discover why tax planning is the hottest trend in financial advice and how to avoid common mistakes that could derail your retirement. If you’ve ever wondered, “Am I doing enough?”—this episode is your wake-up call. Dec. 6, 2025 ~ In the debut episode of "No Lazy Money," host Ryan Ermanni speaks with Nick Hopwood and Jim Pilat of Peak Wealth Management to reveal why leaving your cash sitting in a bank account is costing you big time, and what to do instead. You’ll learn simple, actionable steps to make your money work harder, from high-yield savings strategies to smart tax moves like Roth conversions. Plus, discover why tax planning is the hottest trend in financial advice and how to avoid common mistakes that could derail your retirement. If you’ve ever wondered, “Am I doing enough?”—this episode is your wake-up call. false full 1