Some of the most common money advice can sound right—but may not always lead to better outcomes.

In this episode, we break down six money myths that can influence how people spend, save, and plan—from relying on higher income to solve financial challenges to delaying saving, overlooking total costs, and putting off retirement planning.

We discuss how small, consistent habits and more intentional decision-making can play a meaningful role in long-term financial progress.

To learn more, visit www.premieriwm.com and download the guide, “10 Critical Steps to Take Before Retirement.”

🎧 You’re Not Dead Yet: Thriving at the Crossroads of Building Wealth and Living Life.

Securities and advisory services offered through LPL Financial, a registered investment advisor, member FINRA/SIPC.

The opinions voiced in this show are for general information purposes only and are not intended to provide specific advice or recommendations for any individual. To determine which investments may be appropriate for you, consult with your attorney, accountant, and financial or tax advisor prior to investing.

Economic forecasts set forth may not develop as predicted and there can be no guarantee that strategies promoted will be successful.

Premier Investments & Wealth Management and LPL Financial do not provide tax advice, please consult your tax professional.

This information is not intended to be a substitute for specific individualized tax advice. We suggest that you discuss your specific tax issues with a qualified tax advisor.

There is no guarantee that a diversified portfolio will enhance overall returns or outperform a non-diversified portfolio. Diversification does not protect against market risk.

Rebalancing a portfolio may cause investors to incur tax liabilities and/or transaction costs and does not assure a profit or protect against loss.

All performance referenced All performance referenced is historical and is not a guarantee of future results. All indices are unmanaged and cannot be invested into directly.

Dollar cost averaging involves continuous investment in securities regardless of fluctuations in price levels. Investors should consider their ability to continue purchasing through periods of low price levels. Such a plan does not assure a profit and does not protect against loss in declining markets.

There is no assurance that the techniques and strategies discussed are suitable for all investors or will yield positive outcomes. The purchase of certain securities may be required to effect some of the strategies. Investing involves risks including possible loss of principal.

In this episode of You’re Not Dead Yet, Chris and Steve explore an emerging trend that reflects the complex financial reality many Americans are facing today—rising 401(k) hardship withdrawals.

While retirement account balances have grown in recent years due to market performance and consistent contributions, more workers are also accessing those same funds earlier than planned. This contrast highlights an important dynamic: financial progress and financial pressure can exist at the same time.

Chris and Steve break down recent data showing an increase in hardship withdrawals and discuss the common reasons individuals may turn to retirement savings during times of need—such as covering unexpected expenses, managing debt, or addressing essential living costs.

They also examine the broader factors contributing to this trend, including rising living expenses, limited emergency savings, expanded access to retirement funds, and increased participation in workplace retirement plans.

To help listeners navigate these challenges, Chris and Steve share practical considerations for balancing short-term financial needs with long-term planning, including:

• Building and maintaining an emergency fund

• Separating short-term and long-term savings strategies

• Periodically reviewing your financial plan

• Staying disciplined through changing market and economic conditions

To learn more, visit www.premieriwm.com and download the guide, “10 Critical Steps to Take Before Retirement.”

🎧 You’re Not Dead Yet: Thriving at the Crossroads of Building Wealth and Living Life.

Securities and advisory services offered through LPL Financial, a registered investment advisor, member FINRA/SIPC.

The opinions voiced in this show are for general information purposes only and are not intended to provide specific advice or recommendations for any individual. To determine which investments may be appropriate for you, consult with your attorney, accountant, and financial or tax advisor prior to investing.

Economic forecasts set forth may not develop as predicted and there can be no guarantee that strategies promoted will be successful.

Premier Investments & Wealth Management and LPL Financial do not provide tax advice, please consult your tax professional.

This information is not intended to be a substitute for specific individualized tax advice. We suggest that you discuss your specific tax issues with a qualified tax advisor.

There is no guarantee that a diversified portfolio will enhance overall returns or outperform a non-diversified portfolio. Diversification does not protect against market risk.

Rebalancing a portfolio may cause investors to incur tax liabilities and/or transaction costs and does not assure a profit or protect against loss.

All performance referenced All performance referenced is historical and is not a guarantee of future results. All indices are unmanaged and cannot be invested into directly.

Dollar cost averaging involves continuous investment in securities regardless of fluctuations in price levels. Investors should consider their ability to continue purchasing through periods of low price levels. Such a plan does not assure a profit and does not protect against loss in declining markets.

There is no assurance that the techniques and strategies discussed are suitable for all investors or will yield positive outcomes. The purchase of certain securities may be required to effect some of the strategies. Investing involves risks including possible loss of principal.

In this episode of You’re Not Dead Yet, Chris McNeal is joined by his new co-host Steve Hough. Steve is the newest advisor on the Premier Investments & Wealth Management team, expanding our firm's reach to the east coast. Though new to PIWM, Steve brings nearly two decades of experience in the financial services industry.

Together, Chris and Steve break down a recent 2026 Market Outlook from Vanguard which suggests the economy could remain stable while stock market returns may become more muted after the strong run of recent years. They discuss why diversification, disciplined rebalancing, and realistic expectations may matter even more in the years ahead.

For more insights on staying focused during uncertain markets, download our Investor’s Guide to Navigating Market Volatility at www.premieriwm.com

🎧 You’re Not Dead Yet: Thriving at the Crossroads of Building Wealth and Living Life.

Securities and advisory services offered through LPL Financial, a registered investment advisor, member FINRA/SIPC.

The opinions voiced in this show are for general information purposes only and are not intended to provide specific advice or recommendations for any individual. To determine which investments may be appropriate for you, consult with your attorney, accountant, and financial or tax advisor prior to investing.

Economic forecasts set forth may not develop as predicted and there can be no guarantee that strategies promoted will be successful.

Premier Investments & Wealth Management and LPL Financial do not provide tax advice, please consult your tax professional.

This information is not intended to be a substitute for specific individualized tax advice. We suggest that you discuss your specific tax issues with a qualified tax advisor.

There is no guarantee that a diversified portfolio will enhance overall returns or outperform a non-diversified portfolio. Diversification does not protect against market risk.

Rebalancing a portfolio may cause investors to incur tax liabilities and/or transaction costs and does not assure a profit or protect against loss.

All performance referenced All performance referenced is historical and is not a guarantee of future results. All indices are unmanaged and cannot be invested into directly.

Dollar cost averaging involves continuous investment in securities regardless of fluctuations in price levels. Investors should consider their ability to continue purchasing through periods of low price levels. Such a plan does not assure a profit and does not protect against loss in declining markets.

There is no assurance that the techniques and strategies discussed are suitable for all investors or will yield positive outcomes. The purchase of certain securities may be required to effect some of the strategies. Investing involves risks including possible loss of principal.