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Fees, Fines, and Foolishness: How Your 401(k) is Costing You More Than You Think

In this eye-opening episode of the Wealth Explosion Podcast, T. Ray Greer, Jr. pulls back the curtain on one of the most trusted retirement vehicles in America: the 401(k). Millions of people are funneling their hard-earned money into these accounts without understanding the hidden costs, penalties, and limitations that are quietly sabotaging their wealth.

From silent fees that drain your returns to early withdrawal penalties that punish you in crisis, your 401(k) might be doing more harm than good. T. Ray shares real-life stories, shocking statistics, and biblical wisdom to expose the truth—and empower you to make better choices for your future.

Whether you’re just getting started or have been investing for years, this episode is your wake-up call. Don’t let Wall Street take more than they give. Learn the smarter alternatives that protect your money, offer tax-free growth, and give you true financial freedom.

Subscribe, rate, and share this episode with someone who needs a financial breakthrough. It’s time to stop losing money to foolishness—and start walking in wisdom.

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If this episode blessed you, share it with someone who needs to hear it. Leave a review and subscribe to the Wealth Explosion Podcast so you never miss a moment of money wisdom with a mission.

🎧 For more resources, visit www.wealthexplosion.org

If you have questions, suggestions, thoughts, or concerns please send us a text!

🎙️ Episode Title: The Black Tax — How to Prosper When You’re the Bank for Everybody
Podcast: Wealth Explosion with T. Ray Greer, Jr. (Greerology)

Have you ever felt like your financial breakthrough became everybody else’s emergency fund?

Welcome to “The Black Tax: How to Prosper When You’re the Bank for Everybody.” In this powerful episode, host and financial strategist T. Ray Greer, Jr., delves deeply into the unspoken burden many African Americans carry—the emotional and financial pressure of being the primary source of family support.

This episode doesn’t just diagnose the problem—it delivers the solution.

T. Ray opens with a raw and personal story about becoming the "family bank," revealing how quickly success can turn into stress when boundaries are blurred. Backed by robust statistics, cultural insight, and faith-driven wisdom, he walks you through the mindset and methods necessary to:

✅ Understand the root of the Black Tax and how it affects wealth-building
✅ Set clear boundaries without guilt or shame
✅ Replace emotional pressure with legacy-driven planning
✅ Still bless your family—without going broke doing it
✅ Shift from being the rescue plan to the blueprint

You’ll learn how to:

• Create a Giving Plan rooted in wisdom
• Say “No” without severing relationships
• Build systems that allow you to give from overflow
• Avoid enabling and start empowering
• Heal the guilt that comes with “making it”

This isn’t just about money—it’s about mindset, mission, and maturity.

Whether you’re the one who “made it,” the one trying to climb, or the one raising the next generation of legacy-builders, this episode will challenge and equip you to balance compassion with calling.

Let this be your moment of clarity.
You are not their bank—you are their example. And your future is worth protecting.

Resources Mentioned:
🔹 Join the Money Magnet Community: https://wealthexplosion.podia.com/join-the-money-magnet-community
🔹 Get the “Children’s Blueprint to Become Millionaires” eBook: https://wealthexplosion.podia.com/the-children-blueprint-to-become-millionaires

Support the show

If this episode blessed you, share it with someone who needs to hear it. Leave a review and subscribe to the Wealth Explosion Podcast so you never miss a moment of money wisdom with a mission.

🎧 For more resources, visit www.wealthexplosion.org

If you have questions, suggestions, thoughts, or concerns please send us a text!

Episode Title: Faith and Finances (with Dr. Tanya Tyus)
Podcast: Wealth Explosion Podcast with T. Ray Greer, Jr. (Greerology)

Episode Description:
What happens when faith meets financial wisdom? In this special crossover episode, I’m honored to share an impactful conversation I had on The Dr. Tanya Tyus Podcast, where I was invited to discuss a topic near and dear to my heart: Faith and Finances.

Too often, we’re told to keep our money matters separate from our spiritual walk, but the truth is, your faith should fuel your finances. In this raw and enlightening interview, I unpack the spiritual principles that shape my financial decisions and share practical strategies to help everyday people—especially in the Black community—create generational wealth, break cycles of poverty, and live with purpose.

Together, Dr. Tyus and I explore:

✅ Why faith is more than belief—it's a blueprint for building
✅ How the Bible teaches wealth stewardship and debt discipline
✅ Breaking the “poverty mindset” passed down through generations
✅ The tension of tithing, saving, and investing all at once
✅ The power of vision, hustle, and God-given responsibility
✅ Real-life financial strategies to increase income and eliminate debt
✅ What it means to live richly—spiritually and financially

Whether you’re trying to escape living paycheck to paycheck, fund your children’s future, or just be a good steward over what God has given you, this episode offers the inspiration and instruction you need to take the next step.

🎙️ About the Guest Interview:
This episode originally aired on The Dr. Tanya Tyus Podcast, and I’m thrilled to re-air it here for the Wealth Explosion audience. Dr. Tyus is a powerful voice in both faith and education, and her platform is doing incredible work empowering leaders across the country.

💥 This is not just another money talk—this is a faith-fueled money transformation.

Let this episode challenge you to look at your bank account the same way you look at your Bible—with expectation, alignment, and a vision for more.

Support the show

If this episode blessed you, share it with someone who needs to hear it. Leave a review and subscribe to the Wealth Explosion Podcast so you never miss a moment of money wisdom with a mission.

🎧 For more resources, visit www.wealthexplosion.org