GenWLTH with Judy Robbins

About GenWLTH with Judy Robbins

Welcome to the GenWLTH Podcast with your host, Judy Robbins! Get ready for real conversations about money, mindset, and what it truly means to build wealth. Judy shares her personal journey from financial devastation to creating a life of purpose, balance, and legacy. We'll laugh, reflect, and learn together as we redefine generational wealth—because it's not just about money, it's about your whole well-being. Subscribe now and join a community of women ready to grow, heal, and thrive!

Publisher

Judy Robbins

Category

business · education

Language

en

Explicit

Yes

First episode

23 Apr 2025

Latest episode

16 Jan 2026

Latest episodes

14 episodes in the feed.

1. 

   16 Jan 2026

   Estate Planning: Your Family's Safety Net with JAG Officer Melissa Huntley-Bosco

   In this episode of "GenWLTH Podcast", estate planning attorney and JAG officer Melissa Huntley-Bosco joins Judy to demystify estate planning for families of all backgrounds. Melissa shares her journey from military service to law, explains the differences between wills and trusts, and stresses the importance of planning regardless of wealth. The conversation covers probate realities, powers of attorney, healthcare directives, and common misconceptions. Melissa offers practical advice, emphasizing organization and communication, and encourages listeners to start estate planning early to protect their loved ones and legacies. Key Topics & Timestamps Melissa's Background & Military Service (00:03:22) Melissa discusses her Army career, transition to law, and starting her estate planning practice. Family & Upcoming Deployment (00:05:00) Melissa shares about her family and her upcoming deployment to Iraq. Why Estate Planning? (00:05:51) Melissa explains her passion for estate planning and helping families plan ahead. Estate Planning is for Everyone (00:07:08) Dispelling the myth that estate planning is only for the wealthy; importance for all families. Estate Planning Questionnaires & Tax Exemptions (00:12:08) How questionnaires prompt important questions about taxes and assets. Probate, Trusts, and Asset Titling (00:13:23) Explaining probate, tangible property lists, and ways to avoid probate. Will vs. Trust Explained (00:15:01) Differences between wills and trusts, and the importance of funding a trust. Transfer on Death Deeds & Mortgages (00:18:10) How to transfer real estate with or without a mortgage upon death. Life Insurance & Trusts (00:19:36) How life insurance can be integrated into estate plans and trusts. Beneficiaries & Legal Ownership (00:20:18) Risks of relying on beneficiaries to follow wishes; legal implications. Consequences of No Estate Plan (00:21:14) Stories of families without estate plans and the challenges of intestacy. Powers of Attorney & Advance Directives (00:28:41) Importance of powers of attorney, healthcare directives, and HIPAA releases. Living Will vs. Healthcare Directive (00:32:10) Difference between a living will and an advance healthcare directive. Best Age to Start Estate Planning (00:35:12) Start estate planning when you have dependents or significant assets. Don't Delay Estate Planning (00:35:54) Encouragement to act now and not fear the process or professionals. Military Community & Closing Remarks (00:36:49) Acknowledgment of the military community and gratitude for Melissa's service. Powerful Quotes from the Episode: Melissa, "I've always been a better planner than a reactor." Melissa, "I love that feeling when a client walks in and says, 'I'm really scared,' and they walk out and say, 'I feel better.'" Melissa, "Usually a death in their own family is a huge motivator. That's a wake-up call for them to say, 'Oh, I need to do something.'" Melissa, "Money does funny things to people." Melissa, "We all think we're going to live forever." Resources Connect With Me: WEBSITE: https://sixthandking.com/ FOLLOW THE PODCAST: GenWLTH with Judy Robbins on Apple Podcasts and Spotify CONNECT WITH JUDY: Facebook, Instagram (https://www.instagram.com/judyhrobbins?igsh=MWVuN3Q2OWpqdmhhdA==), LinkedIn Book a Free Consultation with Judy: https://calendly.com/judy-sixth-and-king (https://calendly.com/judy-sixth-and-king) Podcast Produced and edited by the team at ResilientVoiceMedia.com Contact us for expert podcast production and support

2. 

   26 Nov 2025

   Building Wealth with Heart: The Mission of Five Rings Financial with Angie Gauthier

   In this episode of the "GenWLTH Podcast", host Judy Robins interviews her longtime friend, mentor, and business partner Angie Gauthier of Five Rings Financial. Angie shares how personal loss inspired her to help families secure their financial futures. Together, they discuss the supportive culture at Five Rings, the importance of financial education for middle America, and practical strategies like living benefits, indexed annuities, and the Million Dollar Baby program. The episode highlights their mission to empower others, grow their team, and make a meaningful impact by teaching financial protection and generational wealth-building. Angie's Journey to Five Rings Financial (00:04:25) Angie recounts her corporate background, initial industry experience, and how a friend's illness led her to Five Rings. Joining Five Rings and Early Impressions (00:10:37) Angie describes joining Five Rings, the supportive environment, and her sense of purpose. Advice for Career Changers (00:16:09) Angie explains how people from all backgrounds can succeed in financial services with the right mindset. Five Rings Financial's Mission and Core Values (00:19:27) Overview of the company's mission and the five core values: purpose, courage, character, energy, and love. Educational Workshops and Wealth Concepts (00:22:02) Description of workshops like Wine Women & Wealth and Money 101, and the financial concepts taught. Million Dollar Baby Program (00:23:31) Explanation of the Million Dollar Baby concept for children's financial security and growth. Retirement Solutions for Older Clients (00:25:54) Discussion of indexed annuities and safe retirement strategies for those nearing retirement. How to Get Involved with Five Rings (00:33:18) Invitation for listeners to "test drive" the company through events and overviews. Importance of Edification and Respect in Field Training (00:38:41) How edifying field trainers increases client trust and success rates for new agents. Closing Reflections and Encouragement (00:40:15) Angie shares a pivotal moment and encourages listeners to embrace change for a meaningful career. Powerful Quotes from the Episode: Angie, 'When you have the ability to potentially save somebody's financial future because she died with no financial dignity, it changes everything.' Angie Gokey, 'If you have the ambition, if you're coachable, and if you care about people, you absolutely can do this business.' Angie, 'Helping you get to where you are has been one of the greatest blessings in my career at Five Rings Financial, and I just want to help more people do that.' Angie, 'If you want to change something in your life, you're probably going to have to change something in your life.' Judy Robbins, 'We want to leave impact. We want to have something with purpose that makes us want to jump out of bed in the morning.' Resources WEBSITE: https://sixthandking.com/ FOLLOW THE PODCAST: GenWLTH with Judy Robbins on Apple Podcasts and Spotify CONNECT WITH JUDY: Facebook, Instagram, LinkedIn Book a Free Consultation with Judy: https://calendly.com/judy-sixth-and-king Podcast Produced and edited by the team at ResilientVoiceMedia.com (https://resilientvoicemedia.com/) Contact us for expert podcast production and support.

3. 

   15 Oct 2025

   Beyond the Pension: Building Financial Freedom After Government Service with Rita Stewart

   In this episode of the GenWLTH Podcast, host Judy Robins welcomes financial expert Rita Taylor Stewart, National Vice President with Five Rings Financial, to discuss smart retirement planning strategies for federal employees, government contractors, and military personnel. Rita shares her remarkable career journey—from the founding team at Capital One to two decades in banking, followed by over a decade in ministry and nonprofit leadership. Now, as CEO of Legacy Financial Wellness and co-founder of Centric Vision Consulting, she blends her professional and ministry experience to empower clients to make informed financial decisions. Throughout this episode, Rita and Judy explore practical tools for navigating economic uncertainty, understanding key retirement milestones, and leveraging strategies like the “100% Rule” and bucket allocation system for financial stability and growth. Rita also draws from her work with professionals at the Pentagon, FBI, and CIA, offering unique insight into the retirement needs of those in government service. Listeners will walk away with actionable steps for safeguarding their financial future, exploring alternative investment options, and building a lasting legacy beyond traditional benefits. Rita’s Career Journey and Experience (00:03:40) Rita shares her background in banking, ministry, and financial education for federal employees and contractors. Focus of the Episode: Early Retirement (00:04:57) Judy sets the episode’s focus on early retirement for federal employees, government contractors, and military personnel. Key Questions for Federal Employees (00:07:12) Judy asks why federal employees should review their finances now; Rita explains the importance of understanding available options. Case Study: Double Retirement Strategy (00:17:23) Rita shares a client story about creating multiple pensions and securing retirement income without tax penalties. The Third Alternative: Index Accounts (00:20:46) Judy and Rita discuss the benefits of index accounts—combining safety and market growth without downside risk. Lessons from the 2008 Financial Crisis (00:21:35) Reflection on the 2008 crisis, emphasizing the need for safer, more informed retirement planning. The 100% Rule and Bucket Strategy (00:25:19) Rita introduces the “100% rule” for asset allocation using green, red, and blue buckets for liquidity, stability, and growth. Powerful Quotes from the Episode: Judy, "I was left to pick up the pieces, and through that journey, I realized how critical it is to have a financial plan in place." Rita, "Sometimes it was intimidating to actually go into some of those halls to speak on those subject matters." Rita, "There is a lot of uncertainty right now, and no one wants to experience 2008 or 2009 again. I know I certainly do not." Rita, "There is nothing more freeing and more liberating than to know where you stand as it relates to your money." Resources WEBSITE: https://sixthandking.com/ FOLLOW THE PODCAST: GenWLTH with Judy Robbins on Apple Podcasts and Spotify CONNECT WITH JUDY: Facebook, Instagram, LinkedIn Book a Free Consultation with Judy: https://calendly.com/judy-sixth-and-king Podcast Produced and edited by the team at ResilientVoiceMedia.com. (https://resilientvoicemedia.com/) Contact us for expert podcast production and support.

4. 

   24 Sept 2025

   Conquering Fear & Building Wealth After Service — Dee Meyers

   In this episode of the "GenWLTH Podcast," host Judy Robins interviews Dee Meyers, a U.S. Army veteran and financial educator. Dee shares her journey from military intelligence and federal service to empowering others through financial education. The discussion highlights the lack of financial literacy training in the military, common pitfalls with retirement plans like the TSP, and the importance of understanding investment options. Dee emphasizes overcoming fear and shame around money, and introduces educational events to help individuals—especially women—gain financial confidence and security. The episode encourages listeners to take charge of their financial futures. Dee’s Military Career (00:04:01) Dee describes her 22-year Army career, roles in military intelligence, and experience as a drill sergeant. Transition to Teaching and Retirement (00:05:34) Dee discusses her love for teaching, advice received before retirement, and her first job with the FBI. Commuting and Work Environment at the Pentagon (00:10:12) Dee shares her long daily commute and the importance of a supportive work environment. Financial Education in the Military (00:11:04) Dee reveals the lack of financial education during her military and federal service. Early Financial Experiences and Industry Critique (00:12:30) Dee recounts her first experiences with financial services companies and the lack of real education. Federal Employees’ Retirement Concerns (00:19:51) Dee addresses concerns among federal employees about layoffs and understanding their retirement plans. Understanding TSP and Fund Options (00:20:30) Dee explains the Thrift Savings Plan (TSP), its funds, and common misunderstandings. Lifecycle Funds and Investment Choices (00:23:28) Dee details lifecycle funds, their structure, and potential pitfalls. Upcoming Early Retirement and Fiscal Year Changes (00:26:31) Dee talks about the significance of September 30th for early retirees and government shutdown concerns. Clients’ Fears and the Importance of Education (00:28:50) Dee describes clients’ anxieties about market drops and the need for clear financial education. Closing Remarks and Dee’s Specialization (00:36:04) Dee summarizes her focus on safety, guarantees, and peace of mind; Judy wraps up the episode. Powerful Quotes from the Episode: Dee Meyers, 'I love to teach. I love to train, and that’s what I pursued.' Dee Meyers, 'Over 90% of my clients who are federal employees or military have said, “I wish I had met you sooner. I wish someone had sat me down and taught me about money the way you’ve taught me.”' Dee Meyers, 'Fear of the unknown—they don’t know what’s going to happen and they don’t understand.' Resources WEBSITE: https://sixthandking.com/ FOLLOW THE PODCAST: GenWLTH with Judy Robbins on Apple Podcasts and Spotify CONNECT WITH JUDY: Facebook, Instagram, LinkedIn Book a Free Consultation with Judy: https://calendly.com/judy-sixth-and-king Podcast Produced and edited by the team at ResilientVoiceMedia.com (https://resilientvoicemedia.com/) Contact us for expert podcast production and support.

5. 

   3 Sept 2025

   Minisode: Unlocking Wealth - How IUL Insurance Can Make You Your Own Bank

   In this episode of the "GenWLTH Podcast," host Judy Robbins shares her personal journey through financial hardship and introduces the show’s mission to empower families with practical financial planning advice. Judy explains the benefits of Indexed Universal Life (IUL) insurance, especially for children and young adults, highlighting its tax-free growth, flexibility, and long-term value. Listeners learn how starting an IUL early can help build wealth, fund major life expenses, and supplement retirement income. Judy encourages listeners to subscribe, review, and connect for more financial tips and resources. Introduction to Indexed Universal Life (IUL) Insurance (00:02:13) Guest introduces IUL insurance, emphasizing its benefits for children and young adults. How to Start and Fund an IUL Policy (00:02:25) Explanation of starting an IUL for a child, funding amounts, and long-term contribution strategy. Long-Term Growth and Retirement Benefits (00:03:29) Discussion of cash accumulation, projected retirement value, and comparison to Roth IRA. Using IUL for Life Events (00:04:00) Examples of borrowing from the policy for college, business, or home purchase; becoming your own bank. Loan Repayment and Policy Advantages (00:04:40) Details on loan repayment, interest rates, and comparison to high-yield savings accounts. Indexed Feature and Cash Accumulation Timeline (00:05:55) Explanation of the indexed feature, zero floor, insurance costs, and cash value growth after ten years. IUL as a Supplement to Traditional Retirement Accounts (00:07:11) Advice on using IUL alongside 401(k)s and IRAs, emphasizing tax-free growth. Powerful Quotes from the Episode: "I was left to pick up the pieces, and through that journey, I realized how critical it is to have a financial plan in place." "That's why I'm on a mission to ensure that no family has to experience what I did." Resources WEBSITE: https://sixthandking.com/ FOLLOW THE PODCAST: GenWLTH with Judy Robbins on Apple Podcasts and Spotify CONNECT WITH JUDY: Facebook, Instagram, LinkedIn Book a Free Consultation with Judy: https://calendly.com/judy-sixth-and-king Podcast Produced and edited by the team at ResilientVoiceMedia.com (https://resilientvoicemedia.com/) Contact us for expert podcast production and support.

6. 

   20 Aug 2025

   Living Benefits Life Insurance: Protect Your Health and Wealth Before It’s Too Late

   In this episode of the "GenWLTH Podcast", host Judy Robbins shares her personal story of financial hardship and highlights the importance of financial planning. She explains the concept of living benefits life insurance, detailing how it differs from traditional policies by providing access to funds during critical, chronic, or terminal illness. Judy illustrates how these benefits can help cover medical and daily expenses, offering peace of mind and security. The episode concludes with a reminder to review insurance policies and a call to subscribe and share, reinforcing the podcast’s mission to empower families to protect their financial futures. Health and Wealth Connection (00:02:18) Discussion on the direct relationship between health and wealth, and the importance of maintaining good health. Traditional vs. Living Benefits Life Insurance (00:04:34) Explanation of traditional life insurance versus living benefits life insurance, and why Judy only recommends the latter. Death Benefit and Tax Implications (00:05:49) Details on how traditional life insurance pays out, and the tax-free nature of death benefits. Critical Illness Rider Explained (00:07:04) Explanation of the critical illness rider, qualifying conditions, and payout scenarios based on severity. Real-Life Stories & Benefits (00:13:11) Sharing real-life examples of clients benefiting from living benefits, including a terminal diagnosis case. Importance of Living Benefits for Financial Security (00:14:26) Emphasis on using living benefits to cover bills and expenses during health crises, rather than relying on death-only policies. Powerful Quotes from the Episode: Judy, 00:00:00, "I was left to pick up the pieces, and through that journey, I realized how critical it is to have a financial plan in place." Judy, 00:03:30, "If we had living benefits life insurance, I think it would have been a completely different outcome." Judy, 00:15:39, "It also gives me peace of mind that I know, should anything happen, if I'm diagnosed with something, I am now very well covered and I will have access to money in my life insurance policies." Resources WEBSITE: https://sixthandking.com/ FOLLOW THE PODCAST: GenWLTH with Judy Robbins on Apple Podcasts and Spotify CONNECT WITH JUDY: Facebook, Instagram (https://www.instagram.com/judyhrobbins?igsh=MWVuN3Q2OWpqdmhhdA==), LinkedIn Book a Free Consultation with Judy: https://calendly.com/judy-sixth-and-king (https://calendly.com/judy-sixth-and-king) Podcast Produced and edited by the team at ResilientVoiceMedia.com Contact us for expert podcast production and support.

7. 

   23 Jul 2025

   Minisode: A Safer Way to Grow Your Retirement – Fixed Indexed Annuities

   In this episode of the "GenWLTH Podcast" and "Wealth Tip Wednesday," financial educator Judy Robbins shares her personal journey through financial hardship and explains how it inspired her to help others secure their financial futures. She discusses what to do with retirement accounts when leaving a job and highlights fixed indexed annuities—specifically Zenith Growth—as a safer, growth-oriented alternative to traditional market-based accounts. Judy illustrates the benefits with a real-life success story and encourages listeners to make informed decisions to protect and grow their retirement savings. What to Do With Old Retirement Accounts (00:02:27) Discusses options for old 401(k)s and IRAs after leaving a job, and introduces fixed indexed annuities. Market Risk and Historical Downturns (00:03:38) Reflects on market crashes in 2001 and 2008, and the impact on retirement accounts. Introduction to Rollovers and Fixed Indexed Annuities (00:04:42) Explains rollovers, fixed indexed annuities, and their benefits, including the 0% floor. Features of Zenith Growth Fixed Indexed Annuity (00:06:01) Details the Zenith Growth annuity, its terms, features, and emergency access options. Client Success Story: Comparing Returns (00:07:20) Shares a client’s experience comparing returns from a fixed indexed annuity versus a traditional IRA. Benefits and Emotional Impact of Annuities (00:08:30) Discusses the emotional relief and satisfaction clients feel with annuities, and the importance of security. Powerful Quotes from the Episode: Judy Robbins, 00:00:03, 'We lost everything—our savings, our security, our sense of financial stability.' Judy Robbins, 00:00:03, 'I was left to pick up the pieces, and through that journey, I realized how critical it is to have a financial plan in place.' Judy Robbins, 00:02:27, 'I help my friends, I help my clients, I help even family that has left a position and they don't know what to do with their old retirement accounts.' Judy Robbins, 00:09:33, 'I love security, but I still want to have growth if at all possible. Resources WEBSITE: https://sixthandking.com/ FOLLOW THE PODCAST: GenWLTH with Judy Robbins on Apple Podcasts and Spotify CONNECT WITH JUDY: Facebook, Instagram, LinkedIn Book a Free Consultation with Judy: https://calendly.com/judy-sixth-and-king Podcast Produced and edited by the team at ResilientVoiceMedia.com (https://resilientvoicemedia.com/) Contact us for expert podcast production and support.

8. 

   2 Jul 2025

   The Legacy of Love: How Family Shapes Our Financial Outlook

   Host Judy Robbins shares how her mother and brother shaped her views on wealth, work ethic, and relationships, emphasizing that true wealth lies in kindness and meaningful connections.

9. 

   18 Jun 2025

   Protecting Your Loved Ones: The Essential Role of Life Insurance in Financial Planning

   Financial educator Judy Robbins discusses living benefits life insurance, explaining how it allows access to death benefits during serious illness, offering crucial financial support and proactive family protection in this interview episode.

10. 

    7 May 2025

    [Minisode 2] Protecting Your Money from Uncle Sam: The Power of Tax-Free Accounts

    In this eye-opening Wealth Tip Wednesday minisode, Judy Robbins addresses the question: "What is the number one thing you need to protect your money from?" While many clients assume it's market risk, inflation, or even ex-spouses, Judy reveals that the answer is taxes. She explains how wealthy people prioritize tax-free accounts and demonstrates through a powerful example how tax drag can cost middle-class investors nearly a million dollars in potential wealth over 20 years. Judy encourages listeners to explore tax-free accounts beyond just Roth IRAs and explains how these vehicles can provide guaranteed lifetime income in retirement without paying taxes. Judy Robbins is a financial educator with a passion for helping families safeguard their financial future. Drawing from her personal experience of financial devastation following her husband's life-altering accident, she now helps others build, protect, and pass on their wealth with confidence. Judy brings practical, actionable financial strategies to her listeners, emphasizing the importance of preparation and protection against life's unexpected challenges. Key Topics Discussed The Real Wealth Threat: Why taxes are the biggest obstacle to building wealth (2:30) What Wealthy People Do: How the affluent use multiple tax professionals to minimize tax burden (6:15) The Million-Dollar Example: A powerful illustration of tax drag on investments over time (7:45) Tax-Free vs. Taxable Accounts: The dramatic difference in growth potential (9:20) Beyond the Roth IRA: Other tax-free account options that most people don't know about (11:35) Guaranteed Lifetime Income: How tax-free accounts can provide retirement security (12:50) The Middle-Class Tax Trap: Why following conventional wisdom costs you money (8:30) Legal Tax Avoidance Strategies: Working within the system to minimize obligations (6:40) Powerful Quotes "If you could turn on a tax-free income when you're ready to retire after the age of 65 and you could have a guaranteed lifetime income, guaranteed for the rest of your life and never have to pay $1 to the government and it's legal, I think more people would be interested in how to get that account started." (13:10) "What is the number one thing that you need to protect your money from? To me, the number one thing that you need to protect your money from is that greedy Uncle Sam. Yes, I'm talking about taxes." (3:05) Timestamps 00:00 - Introduction to GenWLTH Podcast 01:30 - Posing the important question about protecting money 02:30 - Common answers from clients 03:05 - Revealing taxes as the biggest threat 05:15 - What wealthy people do differently 07:45 - The doubling dollar example 09:20 - Comparing tax-free vs. taxable account growth 11:35 - Tax-free options beyond Roth IRAs 12:50 - Benefits of guaranteed lifetime income 14:25 - Invitation to learn more and closing thoughts Loved this episode? Leave a review on Apple Podcasts or Spotify to help more people find these stories of financial empowerment. Follow Judy on social media and let her know what resonated with you. Resources WEBSITE: https://sixthandking.com/ FOLLOW THE PODCAST: Subscribe to GenWLTH Podcast for new episodes CONNECT WITH JUDY: Facebook, Instagram, LinkedIn

11. 

    30 Apr 2025

    [Minisode 1] Understanding the 50-30-20 Rule: A Simple Framework for Financial Balance

    In this informative Wealth Tip Wednesday minisode, Judy Robbins breaks down the 50-30-20 rule – a simple yet powerful framework for organizing your finances. She explains how to allocate 50% of your income to necessities, 30% to wants, and 20% to savings and debt repayment. This balanced approach helps create a sustainable spending plan that ensures both current needs and future financial goals are addressed. Judy emphasizes the importance of directing your money intentionally to avoid financial stress and build security over time. Judy Robbins is a financial educator with a passion for helping families safeguard their financial future. Drawing from her personal experience of financial devastation following her husband's life-altering accident, she now helps others build, protect, and pass on their wealth with confidence. Judy brings practical, actionable financial strategies to her listeners, emphasizing the importance of preparation and protection against life's unexpected challenges. Key Topics Discussed The 50% Necessity Category: What qualifies as necessities and essential expenses (2:15) Housing and Transportation Costs: How to categorize mortgage, rent, and vehicle expenses (3:05) The 30% Wants Category: Identifying discretionary spending and lifestyle choices (6:30) Entertainment and Subscriptions: Where dining out, travel, and media services fit in the plan (7:20) The 20% Savings Category: Building emergency funds and planning for retirement (9:40) Debt Repayment Strategy: How minimum payments differ from debt reduction plans (10:55) Emergency Fund Building: Starting with three months of expenses in liquid savings (11:15) The Psychology of Spending: The importance of directing your money intentionally (13:05) Powerful Quotes "If you don't direct and tell your money where to go, it will just go. And you don't know. If you have no accountability with your money or a billing plan, then it can be disheartening because then, you know, there's more months left at the end of the month than there is money." (13:25) "I learned this very early on also, if you don't direct and tell your money where to go, it will just go. And you don't know." (13:15) Timestamps 00:00 - Introduction to GenWLTH Podcast 01:45 - Introduction to the 50-30-20 rule concept 02:15 - Breakdown of the 50% necessities category 06:30 - Explanation of the 30% wants category 09:40 - Details about the 20% savings category 11:15 - Building an emergency fund 13:05 - The importance of intentional money management 14:40 - Closing thoughts and invitation to next week Loved this episode? Leave a review on Apple Podcasts or Spotify to help more people find these stories of financial empowerment. Follow Judy on social media and let her know what resonated with you. Resources WEBSITE: https://sixthandking.com/ FOLLOW THE PODCAST: Subscribe to GenWLTH Podcast for new episodes CONNECT WITH JUDY: Facebook, Instagram, LinkedIn

12. 

    23 Apr 2025

    Building Generational Wealth Through Real Estate and Life Insurance: A Conversation with Sheila Lanier

    In this engaging interview, Judy Robbins welcomes Sheila Lanier, a top-producing realtor and friend who shares her journey as a single mother and her decision to set up a financial legacy for her daughter. They discuss how Indexed Universal Life (IUL) insurance policies can provide tax-free retirement income for children while guaranteeing their insurability for life. Sheila explains why she started a policy for her 16-year-old daughter and how this small monthly investment will grow to provide substantial tax-free retirement income, while also serving as potential funding for education, home purchases, or business ventures along the way. Sheila Lanier is a top-producing realtor in Fredericksburg, Virginia, and co-founder of R House Realty with Samson Properties. Born and raised in the Stafford, Fredericksburg area, Sheila has over 20 years of real estate experience, including extensive commercial real estate work with Silver Companies. Before real estate, she worked in sales at GEICO and Capital One, and sold gear and equipment for military and government. As a single mother following the loss of her previous husband, Sheila is passionate about women's empowerment and financial education, leading a women's accountability group and a Facebook group with 5,000 members dedicated to supporting women. Key Topics Discussed: ● Women as Financial Decision-Makers: How women often make the major financial decisions in households (9:45) ● Breaking Financial Silence Across Generations: The importance of openly discussing money matters with children (14:25) ● The First-Time Homebuyer Journey: Sheila's passion for helping first-time buyers achieve homeownership (16:10) ● Indexed Universal Life Insurance: How IULs work as tax-free retirement vehicles for children (21:30) ● Setting Up Children for Financial Success: Starting small with $60/month contributions at age 16 (23:15) ● The Zero-Floor Advantage: Why indexed policies protect against market downturns (30:45) ● Living Benefits of IUL Policies: How they provide financial protection during health crises (35:20) ● IUL vs. Roth IRA: Key differences and advantages of each approach (38:40) ● Creating a Financial Legacy: How proper planning can impact generations (42:15) Powerful Quotes from the Episode: "I love working with first-time home buyers just because of the excitement. A lot of times they've been working so hard to pay off debt and not spend and to get their credit up and to save for that, whether it's the down payment or the closing costs." (16:10) "Every single transaction is different. Every single transaction has its own start to finish journey, which makes it just exciting." (16:45) Additional Quote Options: "We've had that conversation about what we need versus what we want." (18:40) "When she gets to 65 and then when she after it compounds and at 70, she can start taking out an amazing yearly money, a salary, tax-free." (24:15) "Even this alone is breaking that generational curse... Now that she'll be equipped with this education, she can educate her children and then they can educate their children. And so it just keeps growing and the knowledge just keeps growing." (40:40) "What if that machine were you and you're the money-making machine in your house? If you were to get hurt, if you had a major medical diagnosis and you couldn't earn income... would that impact you? Would it impact your dependents?" (33:50) "I will always be coachable. I will always be trying to learn and grow. So I think that's so important." (43:15) Loved this episode? Leave a review on Apple Podcasts or Spotify to help more people find these stories of financial empowerment. Follow Judy on social media and let her know what resonated with you. RESOURCES: WEBSITE: https://sixthandking.com/ CONNECT WITH JUDY: Facebook, Instagram, LinkedIn CONNECT WITH SHEILA: R House Realty with Samson Properties Facebook and Instagram

13. 

    23 Apr 2025

    Let's Get Back to Basics: Building a Strong Financial Foundation

    In this practical episode of GenWLTH Podcast, Judy Robbins shares how she rebuilt her financial life after losing everything. She dives into fundamentals like creating a spending plan, implementing the 50-30-20 rule, and understanding retirement needs. Judy emphasizes the importance of income protection through living benefits life insurance and introduces listeners to tax-free retirement strategies that can provide financial security without market risk. Judy Robbins is a financial educator and coach who experienced firsthand how quickly financial stability can disappear after her husband's accident. Now, she helps others build strong financial foundations and implement protection strategies that can weather life's unexpected challenges. Drawing from her own experience of having to start over in her 50s, Judy is passionate about educating others on financial protection tools she wishes she had known about earlier. Key Topics Discussed: ● Creating a Spending Plan: How to track where your money is going and develop a realistic budget (5:20) ● The 50-30-20 Rule: Allocating 50% of income to needs, 30% to wants, and 20% to savings (10:15) ● Retirement Planning: Understanding how much you'll need and how long traditional accounts typically last (12:30) ● Tax Implications of Retirement Accounts: Why tax considerations matter for long-term planning (16:45) ● Market Risk and Alternative Strategies: How indexed accounts with "zero floors" can protect against market downturns (23:10) ● Income Protection Through Living Benefits: How certain life insurance policies can provide financial security during health crises (28:40) ● Tax-Free Retirement Strategies: Using permanent life insurance as a financial tool for tax-free income (34:15) ● The "Rockefeller Waterfall Effect": How wealthy families have used life insurance strategies for generations (38:50) Powerful Quotes from the Episode: "If you don't tell your money where it's going, it's just going to go. And we really need to track it to understand and be organized and to know where is it going." (7:40) "We buy insurance for our cell phone. We buy insurance for our tablets, our accessories, our computers, our jewelry, all of these things. But we're not protecting the number one moneymaker in our home, ourselves." (30:20) Additional Quote Options: "I want to teach you all the things that I've learned and I want to help you to build the most beautiful legacy. And let's create generational wealth for you and your family." (42:25) "What if that machine were you and you're the money-making machine in your house? Maybe you're one of two incomes. Maybe you're the only income and you have dependents." (29:10) "If there were a way that you wouldn't have to lose sleep and have anxiety watching the market every single day, every hour to see where your account was, I think that would be really beneficial." (24:50) "In order to make a change, you have to start changing things in your life. So I had to really get back to the bare basics." (5:05) "Wealthy people have been using life insurance for hundreds of years." (38:45) Loved this episode? Leave a review on Apple Podcasts or Spotify to help more people find these stories of financial empowerment. Follow Judy on social media and let her know what resonated with you. RESOURCES: WEBSITE: https://sixthandking.com/ CONNECT WITH JUDY: Facebook, Instagram, LinkedIn FREE BUDGET SPREADSHEET: Contact Judy for her personal spending plan template

14. 

    23 Apr 2025

    From Financial Crisis to Financial Freedom: Judy Robbins' Journey to Generational Wealth

    In this heartfelt first episode of GenWLTH Podcast, host Judy Robbins introduces herself and shares her powerful personal story. After her husband's life-altering bicycle accident in 2014, their family lost everything despite having savings and emergency funds. She takes listeners through her journey from financial devastation to rebuilding her life with a renewed mindset about wealth. Judy explains her mission to help women create generational wealth that encompasses not just money, but overall well-being, mindset, and legacy. Judy Robbins is a financial educator and coach with a passion for helping families safeguard their financial future. Drawing from her personal experience of financial devastation following her husband's accident, she now helps others - especially women - build, protect, and pass on their wealth with confidence. With Korean immigrant roots and influenced by strong female role models, Judy brings a unique perspective to financial education that emphasizes community, resilience, and holistic wealth creation. Key Topics Discussed: ● What is Generational Wealth: How true wealth encompasses more than just money - including health, mindset, love, and overall well-being (5:30) ● The Influence of Cultural Background: How Judy's Korean immigrant mother and "aunties" shaped her views on community and financial support (10:15) ● Financial Crisis Following Tragedy: The devastating impact of unexpected medical emergencies and how quickly savings can be depleted (20:45) ● The Emotional Burden of Financial Loss: Dealing with embarrassment, shame, and putting on a brave face during financial hardship (26:30) ● Mindset Shifts for Financial Recovery: How making a decision to change and taking daily positive steps led to transformation (35:20) ● Redefining Priorities: Finding clarity about what truly matters during times of hardship (30:05) ● The Psychology of Money: How our beliefs and mindset about money shape our financial reality (38:10) Powerful Quotes from the Episode: "What is the priority? It's our family. It's loving our partner. It's loving our children. It's trying to be the best mother, the best wife, the best person, the best woman we can be." (31:15) "If you want to change something in your life, you're probably going to have to change some things in your life." (37:40) Additional Quote Options: "I want to help you in your own mindset, in your own growth, in your own abundance and that abundant mindset. I want to help you for you, for your children, for your partners, for your parents, for your grandchildren." (15:05) "I want to teach you all the things that I've learned and I want to help you to build the most beautiful legacy. And let's create generational wealth for you and your family." (40:10) "I made that decision and I made a tiny positive step every single day toward what I wanted. So I wrote down what my goals, my dreams were. And I said, I am not going to stop until I get that." (36:25) "When I say generational wealth, I'm not just talking about money. I am talking about you and your whole being. Beautiful you. I'm talking about your overall health, your mind, your mindset, your love." (6:15) "Wealth isn't just about money. It's about the legacy you create." (41:50) Loved this episode? Leave a review on Apple Podcasts or Spotify to help more people find these stories of financial empowerment. Follow Judy on social media and let her know what resonated with you. RESOURCES: WEBSITE: https://sixthandking.com/ CONNECT WITH JUDY: Facebook, Instagram, LinkedIn

Reach and audience

Public platform figures. Ratings count people who left a rating, not total listeners.

Apple Podcasts (US)

4.0 / 5

4 ratings

Spotify

5.0 / 5

8 ratings

Podcast Authority Score: 36 / 100

A composite of feed quality, social presence, YouTube performance and engagement. Read the methodology.

Quality

51

Social presence

0

YouTube

0

Engagement

51