{"href":"https://api.simplecast.com/oembed?url=https%3A%2F%2Ftheoneflow.com%2Fepisodes%2Fpay-yourself-first-with-jay-eichelberger-QeRVZN_4","width":444,"version":"1.0","type":"rich","title":"Pay Yourself First with Jay Eichelberger","thumbnail_width":300,"thumbnail_url":"https://image.simplecastcdn.com/images/5472e6f9-a6cf-4f75-a8e0-0cd499a2a12f/b0f1ad60-8f3c-4a82-9f2a-dba73fec7199/jay_pay_yourself_first_ig_sq.jpg","thumbnail_height":300,"provider_url":"https://simplecast.com","provider_name":"Simplecast","html":"<iframe src=\"https://player.simplecast.com/b7d49bb9-2952-41d8-9f3e-a848c0ca8f3b\" height=\"200\" width=\"100%\" title=\"Pay Yourself First with Jay Eichelberger\" frameborder=\"0\" scrolling=\"no\"></iframe>","height":200,"description":"Host Jai Gopal welcomes Jay Eichelberger, a certified financial planner and wealth management veteran who founded a fee-only advisory firm, grew it to $1.9B in assets under management over about 32 years, and later sold it to Wealthspire Advisors, where he remains a managing director. Jay contrasts today’s fiduciary, fee-based advice with past commission-driven sales practices and stresses that long-term investing is simple: the stock market historically recovers and trends upward, so downturns are buying opportunities, not selling triggers, especially with a 5+ year horizon. They discuss investors vs traders, compounding, index funds, ETFs, and dollar-cost averaging through 401(k)s and automatic investing. Jay explains retiree “safe money” planning with five years of spending in laddered CDs to avoid panic selling. They cover taking profits, diversification, the Bitcoin spot ETF’s accessibility, inflation’s causes, and practical steps to start saving by paying yourself first."}