Why It’s Time to Pivot

What if your biggest financial decisions have less to do with math and more to do with your childhood?

After more than 200 episodes of Retire in Texas, Darryl Lyons introduces the next chapter of the podcast: Pivot with Darryl Lyons. This new direction expands beyond retirement planning to explore the connection between wealth, leadership, and life while staying grounded in practical wisdom from thousands of real conversations with clients and families.

In this episode, Darryl explains why financial choices are often shaped by early experiences, how those beliefs influence major life transitions, and why developing better decision-making frameworks is essential in a world constantly competing for your attention. He also shares the vision behind the podcast’s three pillars: wealth, leadership, and life, and what listeners can expect in future episodes.

You’ll learn:

• Why childhood experiences often shape your financial decisions more than investment knowledge

• The story behind the transition from Retire in Texas to Pivot with Darryl Lyons

• How behavioral finance influences retirement and major life decisions

• Why leadership starts with having a clear vision for your future

• How to recognize and challenge inherited beliefs about money

• What it means to pivot with principles instead of simply retiring

• What to expect from future episodes covering investing, leadership, legacy, and personal growth

Whether you’re planning for retirement, leading a business, navigating life’s next chapter, or simply looking to make more informed financial decisions, this episode introduces the vision behind Pivot with Darryl Lyons and the conversations that will help you think differently about wealth and life.

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This information is general in nature only. It’s not intended to provide specific investment, tax, or legal advice. Visit Pax Financial Group for more information.

Transcript:

I want to make sure I articulate things that happen in real time based on literally thousands of money conversations I have every week, when people made difficult life decisions, namely transitioning into retirement, how to transition, how to pivot, how much what’s your lifestyle going to be? When they made those decisions, they made those decisions. Every single one of them based on. How they were raised in their childhood with money.

Hey, this is Darryl Lyons, CEO and co-founder of Pax Financial Group, and I have an announcement to make an exciting announcement. We are changing the podcast up. It will no longer be called Retire in Texas. It will be called Pivot with Darryl Lyons. And so the subtitle, by the way, is an important one and one that I want to make sure that you understand.

It’s wealth, leadership, and life. And so I want to unpack that, all of that a little bit more because it’s a big deal for you as a listener. You’ve been listening for a long time. Many of you guys, and I see the trends in the listeners and I get the feedback all the time.

We’ve hardly marketed this podcast. It has been for our community. My initial inclination on the podcast was to, you know, garner new clients. And then I recognized that our community really listened and almost depended on it . When I didn’t have an episode that touched on certain topics, people in the community would ask me to touch on the topic.

So then I recognized this isn’t a platform for me to go out and get new clients. This is a platform for me to serve our existing community. And so thank you for that. Thank you for your feedback. Thank you for just the journey. Go back and listen to my I mean, it’s 200 over 200 episodes now that we’ve done which blows away most podcasts, most podcasts last just a few episodes.

And I just think of you because if you look back, you can kind of listen to the journey of even my confidence on the microphone, you know, going from a shaky voice to now, just a higher degree of confidence and what I do and, and I appreciate it. The journey has been great. I’ve met so many people in the podcast community.

We had an incredible production team backing us up. We had one out of Florida to launch. We switched from them to another company and then this is our next iteration. We actually decided to go with a company locally because we, we, we took inventory of our vendors and said, you know, we want to start working with people in our community.

And so we switched to, to, to to affirm here in, in, in the, in the San Antonio, Boerne Hill country area. So we’re excited about this next chapter of production. But yeah, it’s called pivot. I mean, you would think, Darryl, what are you going to name your podcast?” And it’s its pivot. Makes sense if you’ve been listening long enough.

Pivot with Darryl Lyons and I, I still want to uncover a lot of areas of life that come to me in real time. So that’s important for me to stay. Sometimes the content that I distribute is a function of a situation that I ran into, and I want to keep it very real. There’ve been very, very difficult conversations that I’ve had to organize in a content that wasn’t emotional.

I’ve done a podcast on families stealing money from grandparents. The content was delivered in an anonymous way, but it was derived from a real conversation with a real life event. I’ve had conversations about how to handle money. If your husband or wife dies, have a transition. The formatting was done in an emotional way, but it comes from a very, very difficult conversation I had with a client or friend.

Again, over 200 episodes. This is just real, real life stuff. And it’s messy sometimes. It’s just messy because even then I might have a cast episode that gives you direction on where the markets might go, and I’m totally off. I try not to prognosticate too much, but you know, I’m an expert in my own opinion.

I still want to continue to keep it real, meaning that I want to make sure I articulate things that happen in real time based on literally thousands of money conversations I have every week, every week, money, conversations, text, email, kneecap to kneecap all the time.

But it’s not just money conversations. It’s leadership. It’s business. It’s life. You know, if you look at the original episodes that we did, many of them were interviews with people. So we interviewed, you know, famous people. We interviewed professors. We interviewed a lady who does baby cuddling, we executives, and widows. But what was interesting about all those episodes, and if you go back and listen to them, the original ones, the original original where I still had a shaky voice, this is what’s interesting about him.

They were all money conversations. They were all about pivoting into retirement. But here’s what I think you might have missed when people made every single episode, when people made difficult life decisions, namely transitioning into retirement, how to transition, how to pivot, how much what’s your lifestyle going to be? When they made those decisions, they made those decisions. Every single one of them is based on. How they were raised in their childhood with money.

Every single one. For example, I asked somebody, tell me about your decision to transition and pivot into retirement. Well, she says, you know, I’m frugal and I want to make sure that we have enough money. So I want to be, you know, conscientious about that. And I’m going to delay my retirement until I have that confidence.

Well, where does that frugality come from? And you, you, you peel back the onion and it comes from being raised in a military family. Would they not have a lot extra? Every single one of them. Every single one of these busy executives, these famous people, their money decisions were not rooted in some spreadsheet or some, you know, this, this academic approach, they were rooted in childhood decisions, how they were raised or not raised with money. That’s how they made the biggest life decisions.

And I think we have to take inventory of that and challenge that, because a lot of us have imperfect parents that we’re trying to figure it out along the way. I’m one of them. And so if we if it were always making money decisions based on the way our parents messed up and teaching us about money, which very few got that right, we’ve got to have a different framework in how we approach decision making in life in general, specifically with money, because we’re going into life making money decisions that are often the the deck stacked against us with consumerism.

Always. Fighting for our wallet through media messaging and headlines and constantly dripping and putting apple pie, the scent of apple pies in department stores, you know, I mean, we’re just it’s just an uphill battle for our wallets. And so for us just to always default to our gut, which is just a byproduct of how we’re raised, I want to deliver content that can give you some filters for decision making, so you can navigate through that better and at least tilt the odds in your favor.

So that’s a big part of what I think about. And so again, it’s, you know, the three pillars of this podcast, so to speak, are first of all, wealth. And I’m going to get into the market. In fact, the next episode I’m going to get into, we’re going to talk about specifically midterm elections. So make sure you listen to that one.

And I’m going to talk about, you know, different aspects of the market. But one of the things I want to do is I’m going to start interviewing people. So I’m going to add that as a feature. And how we do that we’re still working on, because I don’t know if I want to do video yet. See, the thing about doing video is everyone’s ask, can you do more YouTube video content is just my time.

I just want to be frank with you guys. I really am for one, kids and a wife that I want to make sure that I have bandwidth. I’m really developing an incredible team at Pax. But if I can have the bandwidth, I’ll be able to do some more content through video. But I’d love to interview some people because there’s some incredible people you need to meet.

But I’m going to talk about markets. I’m going to talk about investing. I’m going to talk about that area: behavioral finance, retirement, economic trends, estate taxes, legacy, all of that. I’m going to cover all of it, as you would imagine. I’m going to talk about, again, leadership. And so that would be the second pillar, leadership.

So money of course, in wealth but also leadership and leadership is such a nebulous term. But we all play, we generally all have a leadership role in some capacity, could be with our family, or it could be, you know, you’re running a business, but I do need to make sure that I provide some room in our conversation to be able to lead others.

And often, you know, in the Bible says where there is no vision, people perish. Often it begins with having a vision and casting a vision. And I find it really challenging for a lot of us to cast vision. I’m not saying I’m incredibly gifted at casting a vision. In fact, there’s many times I’m flawed in that regard. I remember, I remember last year I was actually just praying, Lord, I’m struggling with vision right now.

I just, there’s sometimes it’s so clear to me and then sometimes it’s not. But for when I’ve, like I said, I’ve spoken to thousands of people. Sometimes there is no vision, like, where are we going? And so I want to help you cast a vision so that you can help others. And that’s ultimately leadership. Leading team, leading a company, leaving, leaving a family, navigating uncertainty, helping others navigate uncertainty, making difficult decisions.

Conflict resolution. Just the challenges that exist in this, this, this, this time that we’re here on this spinning ball in outer space. And then and then finally, of course, this is all kind of together, but, you know, wealth, leadership and then and then life. Just, just the reality is, money is a tool for a lot of things.

And the number one priority for all of us should be. And again, I say this with confidence, but for many of you guys, it’ll just be an opinion if it is recognizing that we have a creator and that that creator wants to have a unique relationship with us. And how do we do that in our everyday lives and what does that look like?

And there’s, you know, there’s Christians that describe that. You know, we hear about abiding and we hear about righteousness and all of that stuff. And I want to try to kind of set a level and talk to you in a way that you can, you know, maybe you don’t read the Bible. So I want to really, you know, just kind of weave this practical application from somebody who enjoys reading the Bible.

That’s me personally. I love reading it and then delivering it in such a way that it’s not Christians. And that’s what I also do with the money part of it, too. Very rarely do I use numbers very rarely, because just numbers and audio just don’t mix. So it’s like orange juice and toothpaste. So I want to make sure that I deliver the life part of it through a biblical worldview, but without overwhelming you in the Christian ese context.

Because again, frankly, it’s the most important thing. Who is our creator and what is his role in our lives? And then everything else overflowing from that in the Bible supports that idea that our creator is really the epicenter of our lives. And the conflict that we have is we somehow believe along this journey in life that we’re the epicenter.

And that belief starts when we’re born. And we’ve got to unwind our whole lives and realize that we’re not, we’re not at the center of our own universe. And when we understand that, then we start to understand our money differently. We start to understand how life is more than just accumulation. But we’ve got to fight this message that comes out there that tells us whoever dies with the most toys wins, and that’s what we’re fighting against.

That’s what I’m fighting against for you. And so I’m trying to totally help reframe maybe even the childhood challenges you had with money and the messages you receive, and reset it towards a biblical worldview in such a way that you don’t feel like it’s overwhelmingly preachy or too much math. So that’s a challenge that I have every time I do the podcast.

But that’s my M.O. there’s my M.O.. I want you to do me a favor. I don’t ask for much from you guys, but if you could share this podcast with others going forward, I think there’s a lot of people that could enjoy it. I think there’s just a lot of confusion out there. I’ve never had more conviction and in the podcast in this message, and so I’m encouraged by this next chapter.

I’m excited about the team that God has intentionally put around me. Gosh, if you could see the talent of the people that God has put around me, it’s amazing. I’ll share that with you sometime. Hopefully I can get them on the podcast, but I just want you to share it with others, tell others about it and I’ll continue to deliver content I would love to hear.

I’ll give you a platform. I’ll give you more color on this later, but I would love to hear from you guys. So if there’s questions that you want me to answer on this platform, I will because I’m sure it’ll benefit others. So be sure to ping me, let me go and give you my email. Do it that way.

May not be able to respond to all of them, but it’s Daryl Darryll at Pax. That’s Paul Apple x-ray.

So in future episodes we’re going to explore topics. Like I said, the next one is in midterms, so that’s an interesting one. I want to talk about what the markets do during midterms. But like I want to talk about, you know, major life transitions, you know, money and meaning, leadership lessons, you know, like history. So all we’ve history in their uncertainty continues to talk about the AI legacy.

You know, you’ve heard me say legacy is what you leave or inheritance is what you leave to somebody. A legacy is what you leave in somebody. So we’ll talk about those challenging assumptions. I’ll continue to challenge assumptions. But this is all about you. And the word is pivot. Again. You’ve heard me say retirement is the disposition of an asset that’s no longer useful.

And that would assume that you’re no longer useful. So I’d rather you pivot into the next chapter. And a basketball player, you know, be a Spurs fan. Basketball players pivot. They have their one foot on the ground and the other one kind of Rome’s around and they have their basketball in their hands. But that one one foot that’s on the ground, that’s that’s anchored on the ground, that’s anchored to your principles.

That’s what I think about pivoting. When I think about it, you’re going to pivot into this next chapter, a chapter with principles. And that’s what this podcast is all about. So this is the new announcement. It’s no longer retired in Texas. It pivots with Daryl Lyons’ wealth leadership in life. I’m super, super pumped about what I’m going to be delivering to you.

And again, it’s not just me. There’s a whole group of people behind me that are supporting me, that are encouraging me, that provide all the resources, technology and just I just I’m just so thankful for all of them. I’ll introduce you to all of them, but for now, you just have to trust me.

It is not just me. There’s plenty of people here. Thank you for listening and as always, this won’t change. You think differently when you think long term. Have a great day

This information is general in nature only. It’s not intended to provide specific investment, tax, or legal advice. Visit Pax Financial Group for more information.