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Each week I explore topics that effect your future. Taking the mystery out of finance.

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Featured Episodes

Why the 6-Month Emergency Fund Rule No Longer Works (And What to Use Instead) FIVE MINUTE FINANCE MIKE MORTON

Why the 6-Month Emergency Fund Rule No Longer Works (And What to Use Instead)

The old “three to six months of expenses” rule for emergency funds is outdated. Use the floor-and-runway formula instead, plus learn how much cash is actually too much.

Maximizing Your Social Security: Is Waiting Worth It? - Five Minute Finance Mike Morton

Maximizing Your Social Security: Is Waiting Worth It?

Most retirees should delay Social Security, not because it maximizes dollars, but because it provides powerful longevity insurance and greater financial security later in life.

AI Assistant ≠ AI Advisor - Use AI for What it is Good at and Leave the Rest to Humans - Mike Morton Five Minute Finance

AI Assistant ≠ AI Advisor – Use AI for What it is Good at and Leave the Rest to Humans

AI can be a powerful personal finance research assistant, but knowing where its usefulness ends could save you from expensive mistakes.

Recent Episodes

5mf 211 thumbnail mike morton financial

What NOT to Tell AI About Your Money

Learn what you can and shouldn’t share with AI when doing personal finance research, and how to use AI advice when making human decisions.

Trump Accounts: Smart Tool or Shiny Distraction? - Mike Morton Financial Advice

Trump Accounts: Smart Tool or Shiny Distraction?

Learn who qualifies for a Trump Account, how the $1,000 federal contribution works, and when a 529 or Roth IRA may be the better place to save for your child.

The Benefits of LLCs vs S Corporations: What You Need to Know - MIKE MORTON FINANCIAL ADVISOR

The Benefits of LLCs vs S Corporations: What You Need to Know

Learn the real difference between an LLC and S corp, when each makes financial sense, and why an S corp's apparent tax savings may be much smaller than advertised.

The AI Time Trap: It’s Costing You More Than Money - 5 MINUTE FINANCE - MIKE MORTON

The AI Time Trap: It’s Costing You More Than Money

Artificial intelligence can save money, but it can also quietly steal your most valuable asset: your time. Learn how to avoid the AI time trap and make smarter decisions about what to do yourself and what to outsource.

How a Roth IRA for Your Child Could Be the Best Financial Gift You Ever Give - Morton Financial Advice - Mike Morton

How a Roth IRA for Your Child Could Be the Best Financial Gift You Ever Give

Learn how a custodial Roth IRA can help your child build potentially millions in tax-free retirement savings, and why starting with their first paycheck matters.

How Do Wealthy People Avoid Taxes and Can You Do It, Too? - Morton Financial Podcast

How Do Wealthy People Avoid Taxes and Can You Do It, Too?

Learn why wealthy people often pay less tax than high earners and how the real lesson can help you build wealth more efficiently.

What NOT to Tell AI About Your Money

Episode 211 •

28th September 2026