Topinka Financial

Entrepreneurship is exciting, challenging, and unpredictable all at once.

Starting is hard. Scaling is harder.

But don’t let that deter you — the challenges are what shape the journey, and pushing through to the other side is what makes it all worth it. Growth doesn’t happen in comfort zones.

Before making a big move, spend time in the area, evaluate the financial impact, and make sure it aligns with your retirement goals.

Fast answers, real insights—because investing is more than just one-liners.

Mike’s early days in the business?
Straight into the deep end.

Training?
A two-question script and a list of leads.

Expectation?
300–400 cold calls a day.

Reality?
Talking through things he was still learning in real time.

Big takeaway?
You’re not supposed to know everything at the start.

Mike’s lesson:
Success comes from jumping in, figuring it out, and getting better with every call.

Is 6 months of expenses really enough?

It’s a decent baseline—but it might be outdated.

• Emergency fund: ~3–4% of your tangible assets
• Income protection: 1–2 years of your income gap

Because job loss often hits when markets are down—you don’t want to sell investments at the worst time.

Plan smarter, not harder. DM “PLAN” for an income gap worksheet.

Most people don’t realize this…
You can actually make too much to contribute to a Roth IRA.

As your income grows… the rules change.
Make sure your strategy does too.

New Podcast Out Now!

Quick question…

Do you know the right number of stocks in a portfolio?

Too few → concentration risk.
Too many → diluted returns.

Some studies suggest once you get past ~50–100 stocks, diversification benefits flatten.

More investments doesn’t always mean better investing.

Full Podcast Out Now!

Volatility picking up? That’s not unusual.

Markets often see periodic pullbacks throughout the year—it's part of the cycle. The bigger question: is this normal market movement, or something more systemic?

With a well-structured plan built around your goals, short-term volatility may feel less disruptive. The focus should be on preparation, not reaction—and being mindful of where your advice comes from.