On this episode of the PennyWise Financial Podcast, Constantine Kitrinos and co-host David Georgiev, co-founders and managing partners of Monarch Wealth Management, LLC, welcome longtime friend and local entrepreneur Matt Humby of Humby's Hive.Matt has been part of Constantine and David's circle since their high school days, making this conversation feel more like friends catching up than a formal interview. Together, they explore Matt's journey into beekeeping and woodworking, how those passions evolved into a business, and the lessons he's learned along the way.The discussion also ventures into broader topics affecting many small business owners today—including inflation, rising costs of goods and services, the overall economy, and whether those factors have had a meaningful impact on Matt's business and income.As always, the conversation is unscripted, authentic, and full of the unexpected twists that listeners of the PennyWise Financial Podcast have come to enjoy.Whether you're interested in entrepreneurship, local business stories, the realities of today's economy, or simply hearing old friends share honest conversations, this episode offers something for everyone.Connect with Matt Humby / Humby's Hive:Facebook: https://www.facebook.com/p/humbys_hive-100063762681401/Instagram: @humbyshive | https://www.instagram.com/humbys_hive/If you're looking for locally produced honey, handcrafted woodworking pieces, or simply want to learn more about Matt's work, be sure to follow along on social media.------------------------------------------------------------------------------------------------------------------About PennyWise Financial PodcastHosted by Constantine Kitrinos, co-founder and managing partner of Monarch Wealth Management, LLC, the PennyWise Financial Podcast delivers engaging conversations with local leaders, entrepreneurs, industry professionals, and interesting guests from all walks of life.From personal finance and investing to small business ownership, community stories, current events, and everything in between, the show embraces an unscripted style that prioritizes authenticity, education, and a little bit of humor.New episodes are available on YouTube, Spotify, Apple Podcasts, YouTube Music, and at Monarch Wealth Management's website.Website: www.monarchwealthmanagement.com

Did you know the median cost of a nursing home in New York is pushing $188,000 a year? And no, Medicare is not going to cover it.

One of the absolute biggest threats to your retirement nest egg isn't a market crash or inflation at the grocery store—it’s a health event. When families are caught off guard by the realities of aging, it can completely drain a lifetime of savings and tear families apart.

In this episode, after our weekly roundup of the markets and economic indices (including the Dow's historic push and the reality of gas prices), we sit down with Holly Crocker, COTA/L, ECDCS, and Owner of Senior Living Consultants LLC. Holly pulls back the curtain on the senior living industry to help us navigate the emotional and financial maze of aging.

In this episode, we cover:

• The Google Myth: Why relying on free internet searches to find care for your parents is a dangerous game.

• The Medicare Misconception: We set the record straight on what the government will and will not pay for.

• Hidden Fees & Red Flags: How to spot the fine print and avoid being nickel-and-dimed by corporate care facilities.

• The Emotional Toll: Navigating stubborn parents, intense guilt, and sibling warfare when making tough care decisions.

• Protecting Your Wealth: How your financial advisor and your senior care consultant work together to ensure you don't go broke getting the care you need.

If you are nearing retirement, or if you have aging parents and want to get ahead of the "crisis call," this is a must-listen episode.

Connect with our Guest, Holly Crocker:

If you need an advocate to help you find the right care, budget, and facility for your loved one in New York, reach out to Holly and her team:

• Website: www.seniorlivingconsultantsNY.com

• Phone: 585-729-9485

• Email: Holly@seniorlivingconsultantsNY.com

Don't forget to subscribe! Hit the like button, subscribe to the channel, and share this episode with anyone who might be facing these tough family decisions.

In this episode of the PennyWise Financial Podcast, we sit down with former Navy SEAL and Alabama U.S. Senate Candidate, Jared Hudson. We dive deep into his transition from the military to the political frontlines and discuss his vision for the future of Alabama and our economy.

Learn more about Jared, join his grassroots effort, and support his campaign here: 👉 https://hudsonforalabama.com/

Whether you're interested in the financial policies shaping our nation, what it takes to lead under pressure, or you just want to know the man behind the mission, you don't want to miss this conversation. Jared breaks down his platform, his background, and why he’s stepping up to serve Alabama in the U.S. Senate. In This Episode, We Cover: Intro & Welcome Jared HudsonFrom Navy SEAL to Senate Candidate:

The TransitionJared's Financial Blueprint and Economic VisionOvercoming Leadership ChallengesHow Everyday Citizens Can Make a Difference, Final Thoughts & Where to Find JaredIf you enjoyed this episode, please hit that LIKE button, leave a COMMENT with your biggest takeaway, and SUBSCRIBE so you never miss an episode of the PennyWise Financial Podcast!👇 Connect with PennyWise Financial Podcast:

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