The Real Cost of No Taxes: Lessons from History and the 2025 Government Shutdown

The government's shut down again, and everyone's losing their shit. In this episode, I break down why shutdowns happen under both parties, why this on...

Finding Financial Positivity Small Wins Micro Savings and Navigating Economic Stress

Are Boomers Really to Blame- Breaking Down Generational Wealth and Economic Policy

Today, host Mel O, CFP, takes on one of the most heated debates in financial and generational discourse: "Are Boomers Really to Blame?"  Drawing from...

Surviving Modern HOAs Fees Foreclosures and the Fight for Affordable Housing Final

On today's episode, host Mel O CFP dives deep into the world of Homeowners Associations—better known as HOAs—and unpacks why so many people have a lov...

When Politics Manipulate Data The Danger for the 99 Percent

In this urgent episode, host Mel O, CFP, tackles the critical fallout from the unprecedented firing of the Bureau of Labor Statistics commissioner by...

Behind Closed Doors How Private Equity Funds Profit Off Your Losses

Today Mel talks about the complex and often infuriating world of private equity—and she is not holding back. Fueled by Slayer and a fair dose of right...

Surviving Economic Downturns The Great Depression 2008 and the Power of the 99 Percent

From the Wall Street crash of 1929 to the housing collapse of 2008, this episode breaks down how economic disasters unfold—and how the 99% always bear...

Who Really Pays The 99% and Americas Fiscal Future

Join Mel O as she dives deep into the complexities around America's mounting national debt and the latest "big beautiful" tax bill making waves in Was...

From Silicon Valley Bank to Super PACs: Crypto’s Trail in the Banking World

In this episode, Mel O returns to the mic after a hiatus, re-energized to tackle what's happening at the intersection of crypto and the traditional ba...

Constitution Unveiled Part 4 Term Limits DC Voting and the Myths of Congressional Pay

Americas Constitutional Amendments Amid Economic Crisis Tariffs Voting and State Power

Understanding Constitutional Amendments Deep Dive into 10-14 and Their Modern Interpretations

In today's episode,  we explore amendments 10 through 14, delving into their historical context, the court cases that have shaped their interpretation...

Uncovering the Constitution A Dive into the First Nine Amendments

Breaking Down Oil Subsidies Who Benefits and How Much

Evaluating Trumps Economic Policies- Tariffs Trade Surpluses and Consumer Impact

California Wildfires 2025 Economic Losses and the Insurance Industrys Role

Today, we discuss the extensive losses of the 2025 California wildfires and potential ramifications to the insurance industry.  Can the industry pay t...

Financial Outlook for 2025 Tax Updates Digital Assets and Social Media Safeguards

In today's episode, Mel O dives into the evolving financial landscape that is 2025. She also discusses minors on social media generating income from e...

Makin Babies: Can Family Dynamics Drive Economic Growth Today

Is MAGA right?
Today, I discuss the complex interplay between demographics, economy, and global politics in "Makin Babies." I explore how histor...

Election Betting and Polls: The Wealth Divide Threatening Democracy

Today, I discuss the dangers of election betting and how it can change election outcomes for you adn me.  We discuss the dangers of foreign interferne...

Strategies to Manage Financial Stress and Enhance Business Success

Welcome to episode 2 of the Startupz.ai podcast.
In this episode yours truly, Mel O, continues to struggle with finding a way to curb people's m...

From Financial Stress to Start Up Sucess-Startupz.ai

Welcome to the inaugural episode of Startupz.ai.
Join me, Mel O CFP® and business strategist Grayson Scott from Startupz.ai as I navigate the wo...

Just the Tip-Tipping in America

Today, I discuss the ins and outs of tipping in America and how it came to be.  Should we tax peoples tips? or are we just subsidizing the resturants...

Immigrants Contributions to the U.S. Economy Debunking Myths and Highlighting Realities

The Ripple Effect: How 911 Reshaped Financial Markets and Insurance Industry pod audio

Today, we explore the aftermath effect of 9-11 on financial markets and the insurance sector.  We also discuss why mass shootings are not considered d...

The Massive NPD Data Breach Exposing Billions: What You Need to Know

Today, I discuss the massive social security and data breach that is NPD.  2.9 billion people have had their data stolen, you and I are probably one o...

The Disney Effect: Death, Media Control, Liability, and Consumer Rights in the Crosshairs

In the latest episode Mel O CFP delves into the complex world of Disney's influence on media, consumer rights, privacy, finance and BINDING arbitratio...

Unpacking Project 2025 Oil Subsidies Military Plans and Environmental and Ethical Ramifications

Today, Mel O CFP, dives into Project 2025.  She covers oil subsidies to Medicaid and military changes, as well as the ever-growing divide between olde...

Financial Fallout of CrowdStrikes Global Outage

Money Matters: Diving into Economic Indicators and Market Influences

Understand the economic numbers and get away from the political BS!!
Today, I delve into the impact of various leading and lagging indicators on...

The Capital One and Discover Merger Navigating Monopolies and Credit Card Dominance

🔑 Mergers and Monopolies: We explore the potential impact of a Capital One and Discover merger on the credit card industry, emphasizing the concerns...

The Tariff Fallout National Security Trade Impact and the "Made in America" Predicament

In our latest episode, Mel O discusses the complex world of tariffs and national security & what it means to be "Made in America". 
**I had some...

Unseen Impact Bidens Tariffs and the Invisible Costs of Decision Making in Power

In my latest episode, I delve into the unseen impact of political decisions, focusing on Biden's tariffs and their far-reaching effects on the economy...

Unpacking Open Banking: Empowering Consumers or Encroaching on Privacy?

In today's episode we delve into the concept of open banking, unpacking its potential impact on financial freedom and consumer choices. 
Catch M...

Money Matters and Music Contracts Exploring JLos Tour and Life Insurance Investments

Today, we discuss JLo's slowing ticket sales, and investment contracts.  AND Mel O gets sidetracked by this article. 
https://finance.yahoo.com...

The Bump Stock Debate: SCOTUS Decision and Its Ramifications for Gun Control

Today, Mel O CFP, dives into the intersections of finance, law, and culture. In our latest episode, Guns and Scotus, we unpack the potential implicati...

Drowning in Plastics

Today we discuss where our plastic is going, no where, it's going no where. 
Catch Mel O Live on the Stationhead app @momentofmetal Wednesday an...

Deep Fakes

Catch Mel O Live on the Stationhead app @momentofmetal Wednesday and Friday at 6 AM Pacific Time.
 
To learn about money without out the p...

Zoe is back! Religon and Politics

Zoe is back.  We will be getting back to doing shows this year.  In the meantime I will be dropping a clutch of shows.  Thank you for staying with me...

The Generational Shift: Gen Z's Impact on Climate Change and Political Dynamics

Catch Mel O Live on the Stationhead app @momentofmetal Wednesday and Friday at 6 AM Pacific Time.
In this episode, we explore the evolving influ...

Rethinking the 9 to 5 Work Culture Shift in the Age of Remote Employment