Pull a chair up to the table and talk about ministry in Mississippi! These weekly podcasts are produced to celebrate what God is doing in our state. Hosted by Jon Martin, Men's Ministries Director, and Tanner Cade, Communication Services Director.
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Mbcb Podcasts
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The Wealthy Pilot's Podcast: Financial Flight Controls for Today's Commercial Airline Pilots
Scott Osborn
Welcome to The Wealthy Pilot's Podcast: Financial Flight Controls for Today's Commercial Airline Pilots, where we navigate the skies of financial success with your host, Scott Osborn, The Pilot's Planner. Each episode, we soar through the challenges and opportunities unique to pilots, from debunking myths to mastering best practices in financial planning and investing. As demand for pilots reaches new heights, so too does the complexity of their financial landscapes. With Scott's expertise w ...
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MBCB Plan for American Airlines: Should You Opt In or Not?
16:12
16:12
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16:12📱 Get your customized planning started by booking a call: http://callosborn.com/ ✈️ Order your no-cost “Financial Flight Control Toolkit” today: https://keap.page/lde199/the-pilot-s-planner-toolkit.html Scott breaks down the brand-new Market-Based Cash Balance Plan (MBCB) and what this decision means for American Airlines pilots hitting their 401(k…
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Year-End Financial Reflection & Planning For 2026
14:48
14:48
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14:48📱 Get your customized planning started by booking a call: http://callosborn.com/ ✈️ Order your no-cost “Financial Flight Control Toolkit” today: https://keap.page/lde199/the-pilot-s-planner-toolkit.html As the year comes to a close, it’s the perfect time to pause, reflect, and reset. Scott looks back on the wins, challenges, and lessons from 2025, …
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United Airlines Cash Balance Plan: Allocating Your Contributions
11:47
11:47
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11:47📱 Get your customized planning started by booking a call: http://callosborn.com/ ✈️ Order your no-cost “Financial Flight Control Toolkit” today: https://keap.page/lde199/the-pilot-s-planner-toolkit.html Scott breaks down United Airlines’ cash balance plan for pilots and explains how it addresses overfunded 401(k) accounts. He covers how the plan wo…
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2026 Key Planning Numbers Every Pilot Should Know
13:21
13:21
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13:21📱 Get your customized planning started by booking a call: http://callosborn.com/ ✈️ Order your no-cost “Financial Flight Control Toolkit” today: https://keap.page/lde199/the-pilot-s-planner-toolkit.html As the new year approaches, Scott breaks down the key planning numbers and contribution limits pilots need to understand before 2026 kicks off. Thi…
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Thanksgiving, Gratitude & Growing Wealth: Essential Pilot Financial Strategies
12:58
12:58
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12:58📱 Get your customized planning started by booking a call: http://callosborn.com/ ✈️ Order your no-cost “Financial Flight Control Toolkit” today: https://keap.page/lde199/the-pilot-s-planner-toolkit.html Gratitude has a way of grounding us, shaping our attitude, and influencing how we approach our financial lives. Discover how gratitude transforms n…
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Automating Savings Outside of 401k For a Smarter Retirement
16:10
16:10
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16:10Most pilots automate their 401(k) savings without thinking about it, but what about everything outside that one account? Scott breaks down how to automate savings into the other tax buckets that will actually give you flexibility, control, and lower taxes in retirement. Discover why diversifying how and where you save could be the smartest way to u…
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Delta Pilots: Unlocking the Power of Your NQDC Plan
12:56
12:56
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12:56In this episode, Scott breaks down the Delta Non-Qualified Deferred Compensation (NQDC) plan, showing how it differs from a traditional 401(k) and how you can strategically use it to manage your taxes and retirement income. He explains the eligibility rules, contribution limits, and how to decide if this plan fits into your overall retirement strat…
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The Market Is Scary Good. What Does That Mean For You?
15:07
15:07
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15:07When the market feels unstoppable, it’s easy to wonder if now’s the time to invest or sit tight and wait for the next drop. In this episode, Scott explains what it really means when the market is “scary good” and how to stay grounded when emotions run high. Are you approaching retirement or just getting started? This episode will help you see throu…
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Are Bonds Back? What Pilots Need To Know in 2025
14:31
14:31
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14:31Bonds used to be the ‘boring’ part of a portfolio. They were considered safe, steady, and not very exciting. But with yields at multi-decade highs, a lot of people are asking: Is now the time to give bonds a bigger role in your investment strategy? Scott explains how to think about bonds in today’s market, the difference between owning debt and own…
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401(k) Misconceptions: What Pilots Need to Know About Taxes, Contributions & Strategy
20:33
20:33
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20:33Most people know their 401(k) is key to retirement, but few understand how each account type affects their taxes and long-term flexibility. This episode breaks down the differences between pre-tax, Roth, and after-tax contributions, helping you see how each fit into your overall strategy. Scott also shares how small shifts today can lead to major s…
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Should You Have More Than One Financial Advisor?
14:20
14:20
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14:20If having two financial advisors sounds like double the wisdom, think again. In this episode, Scott explains why splitting your money between multiple advisors can actually create confusion, gaps, and unnecessary risk in your financial plan. Using pilot and cockpit analogies, he breaks down how conflicting advice, overlapping investments, and missi…
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That Didn’t Age Well: Investment Predictions Gone Wrong
18:24
18:24
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18:24Some financial gurus love to predict doom and gloom, but what happens when their “I told you so” doesn’t actually hold up? In this episode, Scott takes a hard look at the loudest voices in the industry and why chasing their bold claims often leaves investors worse off. Here’s some of what we discuss in this episode: 📰 Beware of fear-driven financia…
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Downsizing in retirement often sounds like an easy decision, but it’s rarely that simple. In this episode, Scott breaks down some of the most common downsizing myths - like whether a smaller home really lowers monthly expenses - and explains why the numbers don’t always add up. Tune in for practical insights to help you weigh whether moving to a sm…
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Are September & October Really Bad Months to Invest?
15:21
15:21
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15:21September and October often get a bad rap in the investing world, but are they truly risky months? In this episode, Scott breaks down the truth behind these "turbulent" months. While data shows September's historical slight negative returns, it’s important to peel back the layers. If you're nearing retirement, it's crucial to understand the data an…
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How To Catch Up If You're Late To The Retirement Party?
19:33
19:33
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19:33Falling behind on retirement savings can feel overwhelming, especially if you’re only just hitting your financial stride in your 30s, 40s, or even 50s. In this episode, Scott tackles the big question: How do you catch up if you feel late to the retirement party? From military pilots transitioning into airlines to career changers carrying student lo…
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College or Retirement? Why Many Parents Are Sacrificing Too Much
19:36
19:36
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19:36According to a recent survey, the emotional and financial burden of paying for college often exceeds expectations. And it’s affecting everything from retirement plans to mental health. In this episode, Scott unpacks what families are really facing and how to make smarter decisions that won’t derail your own future. Here’s some of what we discuss in…
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Are You Wealthier Than You Think? 5 Wealth-Building Habits for Pilots
16:12
16:12
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16:12Most people don’t feel wealthy. But what if your day-to-day habits are quietly building serious financial strength? A recent article from Kiplinger outlined five surprising signs that you might be richer than you think. And none of them involve yachts or private jets. In this episode, Scott analyzes the habits that signal real, lasting wealth and w…
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Pilots: Can You Pass This Retirement Planning Quiz?
18:46
18:46
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18:46The kids may be heading back to class, but it’s not a bad time for adults to hit the books too, especially when it comes to retirement. So, let’s test your knowledge with a quick financial pop quiz and see how ready you really are. Here are the quiz questions for today: 📝 At what age do you get full Social Security if born after 1960? 📝 Max IRA con…
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Top 3 Rental Property Mistakes Pilots Should Avoid
29:48
29:48
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29:48This week, Scott sits down with Jason Watson from WCG CPAs and Advisors to talk about the top 3 mistakes high-income pilots should avoid when investing in rental properties. As pilots and other high earners look for ways to diversify their income beyond their primary careers, rental properties offer a powerful path to building lasting wealth- if yo…
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The 7 Deadly Investment Sins (Pt. 2) Fear, Greed & Impatience
12:38
12:38
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12:38We’re back for Part 2 of the “7 Deadly Sins of Investing,” and these final three may be the hardest to overcome, because they’re not technical; they’re emotional. Scott explores how fear, greed, and impatience can quietly creep into our financial decisions and derail long-term success. These aren’t just feelings; they’re patterns that lead to poor …
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The Big Picture: Stats and Stories from Mississippi Baptist Life
40:30
40:30
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40:30Send us a text Pull a seat up to the table and join us in a conversation about cooperation in Mississippi Baptist life. Jon Martin leads a discussion on stats from the Annual Church Profile, and we note key data points to articulate ministry in our state. Also, co-host Tanner Cade concludes the time by sharing about his next chapter in ministry. Ar…
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The 7 Deadly Sins of Investing (Pt. 1) – Market Timing, Diversification Mistakes & More
14:28
14:28
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14:28We’re kicking off a special two-part series on the “7 Deadly Sins of Investing.” In this first installment, Scott unpacks four of the biggest behavioral missteps investors make, especially when emotions run high or market headlines dominate the news. If you're over 50 and starting to think seriously about protecting your nest egg, this is one episo…
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Investing During All-Time Highs: Strategies For Success
12:19
12:19
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12:19The market’s hitting record highs, but does that mean it’s too risky to invest right now? In this episode, Scott breaks down what all-time highs actually mean for long-term investors. You’ll hear how short-term fear often leads to poor decisions and why zooming out can help you stay grounded. Here’s some of what we discuss in this episode: 📈 Why in…
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New Chapter: Braelyn Weaver and Women’s Ministry at MBCB
24:55
24:55
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24:55Send us a text Pull a seat up to the table and join us in conversations with Braelyn Weaver about her new role as MBCB's Women's Ministries/WMU Consultant. Braelyn talks to us about her calling to ministry and all of the new things she is learning during her first weeks in the Magnolia State. Around the Corner Events: All Events: mbcb.org/events Ju…
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Financial Advisor Reacts To Dave Ramsey’s 9-Step Retirement Plan
28:42
28:42
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28:42Dave Ramsey is one of the most recognized voices in personal finance. His 9-step retirement plan is simple, direct, and built for mass appeal. But is it really the best path for your retirement? You'll hear where Scott agrees, where he diverges, and what every pilot needs to know about balancing tax strategies, health care costs, and when to bring …
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Clint Ritchie on Community Missions and Impact Training Preview
19:04
19:04
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19:04Send us a text Pull a seat up to the table and join us in conversations with Clint Ritchie. He currently serves as the Missions Assistant Team Leader / Community Missions Strategist for Arkansas Baptist, but previously served many years as pastor at FBC Yazoo. We hear about his Mississippi days, and what he will bring to table for his breakout sess…
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The Big Beautiful Bill Breakdown: What It Means For You
16:30
16:30
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16:30The Big Beautiful Bill (BBB) is here, and with it comes tax updates that could shape your financial strategy for years to come. In this episode, Scott and Marc break it all down in clear, practical terms: what stays, what changes, and what it means for pilots, high earners, and retirees alike. But here’s the catch: many of these changes are tempora…
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From the Delta to the ERLC: A Conversation with Matthew Morgan
34:19
34:19
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34:19Send us a text Pull a seat up to the table and join us in conversations with Matthew Morgan. He serves as the pastor at Grace Community Church in Indianola, Mississippi. Matthew also serves as the Vice Chair of ERLC's Trustee Executive Committee. We cover a lot of territory in this episode from ministry in the Delta to the latest with SBC's Ethics …
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5 Types of Independence Every Retiree Needs
21:30
21:30
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21:30As we celebrate the Fourth of July, this episode explores what independence truly looks like in retirement, beyond fireworks and freedom. Scott dives into five core areas of independence that every retiree (or future retiree) should be aiming for as they prepare for life after work. It's not just about having enough money, but having control, peace…
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Chainsaws, Sermons, and a 600-Pound Pig: Jonathan Poe on Bivocational Ministry
31:05
31:05
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31:05Send us a text Pull a seat up to the table and join us in conversations with Jonathan Poe. He serves as a Bivocational pastor at Bolton Baptist Church in Clinton. Known in the community for his tree-cutting business and farm, he dives into his passion for God's calling in his life and why others should pray about becoming a bivo pastor as well. Aro…
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Smarter Estate Planning: Why You Need a Plan Now
20:55
20:55
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20:55Estate planning is something we all know we should do, but it’s often pushed to the bottom of the list. In this episode, Scott shares a heartbreaking real-life story: a close friend’s brother died suddenly at 42. Recently divorced, with two young sons and no estate plan in place, the aftermath was a painful legal tangle. It’s a tragic example of wh…
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More Than Music: Behind the 2025 Youth Choir Camp & Tour
22:59
22:59
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22:59Send us a text Pull a seat up to the table and join us in conversations with Kris Smith, Worship Ministries Director, and Elizabeth Knight, All-State Youth Choir Event Coordinator, about the week of All-State. We also hear firsthand from a couple of students about their four years of experience in All-State. Around the Corner Events: All Events: mb…
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Retirement Breaking News: The 4% Rule Gets a Makeover?
19:39
19:39
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19:39The 4% rule gets talked about like gospel in retirement planning. But let’s be honest, it’s always been more of a rough guess than a golden rule. Now, its original creator is revising it to 4.7%. So, does that mean your retirement paycheck just got a raise, or is this just another headline that oversimplifies a complex decision? Here’s some of what…
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Dallas Kickoff: Mississippi Baptists Fellowship Before the SBC Meeting
16:21
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16:21Send us a text Pull a seat up to the table and join us in conversations around the Mississippi Baptist fellowship at the Dallas convention center before the start of the business sessions of the Southern Baptist Convention. Around the Corner Events: All Events: mbcb.org/events June 24-28: HearSong Worship Arts Camp July 8-11: SMACK Camp July 8-12: …
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The Lazy Way to Retire? Let’s Talk Target-Date Funds
17:24
17:24
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17:24Target-date funds just passed $4 trillion in assets. They’re now the default investment in many 401(k)s, and millions of Americans are using them without really understanding how they work. So, are they a smart choice… or just the easiest one? Here’s some of what we discuss in this episode: 🧭 Why defaulting to a target-date fund could misalign with…
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Send Strong: The IMB Connection for Missional Churches
24:51
24:51
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24:51Send us a text Pull a seat up at the table and join us in a conversation with Mike Lazenby with the IMB. We continue the recent theme of further understanding MS Baptists' partnership with the missional sending arm of the Southern Baptist Convention. Hear ways you can lead your church to a sending, missional, church with help from our Mississippi r…
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5 Ways Wishful Thinking Can Damage Your Retirement
20:48
20:48
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20:48A little hope is good for the soul, but when it comes to retirement planning, wishful thinking can lead to serious financial mistakes. Today, Scott’s walking through five common examples of wishful thinking that can quietly damage your retirement, and how you can build a plan that protects your future instead of relying on luck. Here’s some of what…
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Vision Journey Ride-Along: MS Pastors visit IMB headquarters
16:21
16:21
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16:21Send us a text Pull a seat up at the table and join us in a ride-along with Mission Mobilization's Vision Journey to the International Missions Board's headquarters in Richmond, VA. Get a glimpse into a trip that included 9 pastors from Mississippi learning more about the cooperative effort in Southern Baptist life that sends equips and sends missi…
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Why Type A Investors Should Probably Do Less
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15:01Today, we’re talking about Type A personalities. If you’re driven, competitive, and goal-oriented, then you’re part of the club that often struggles during difficult markets. When things get tough, your instinct is to work harder, push more, and fix the problem. But in investing, that instinct can sometimes backfire. In this episode, Scott breaks d…
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SBC 2025 Preview: A Conversation with Dr. Shawn Parker
27:41
27:41
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27:41Send us a text Pull a seat up at the table and join us in a conversation with MBCB's Executive Director & Treasurer, Dr. Shawn Parker. Jon, Tanner, and Dr. Parker walk through the upcoming Southern Baptist Convention in Dallas the week of June 9. Hear key points of the schedule and business meeting. NOTE: This was recorded on May 8. The schedule an…
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Investing in the Next Generation: Zach DePriest on Student Ministry in Mississippi
22:13
22:13
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22:13Send us a text Pull a seat up at the table and join us in a conversation with MBCB's new Student Ministries Consultant, Zach DePriest. We catch Zach while attending the 2025 Timothy Project Conference at Colonial Heights Baptist Church after he leads a breakout about student ministry. Listen in to hear his heart for connecting with student ministry…
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We’ve all heard that Americans don’t save enough for retirement, but what if the opposite is true for you? Can you save too much? In this episode, Scott tackles a surprising but important question raised by a listener: “Are we over-saving at the expense of living now?” As an airline professional, it can be easy to feel like you’re doing too little,…
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When the Sky Broke Open: Justin Knight’s Tornado Experience and Ministry Since
23:47
23:47
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23:47Send us a text Pull a seat up at the table and join us in a conversation with Pastor Justin Knight about the mid-March outbreak of tornadoes in the Tylertown area. Justin pastors FBC Tylertown and recalls the moment multiple tornadoes wrecked the community and how the church and Mississippi Baptists stepped up to help minister. Around the Corner Ev…
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Are We Headed Towards a Recession? How to Prepare Yourself
14:26
14:26
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14:26Recession fears are back in the headlines, but should they be back in your financial plan, too? We’re in the middle of earnings season and data is coming in, so Scott will tackle the question: Are we heading for a recession? With shrinking GDP, rising inflation, and uncertain interest rate moves by the Fed, we’ll try to decipher what the latest eco…
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More Than a Village: Sean Milner Shares the Mission Behind Mother’s Day Focus
22:17
22:17
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22:17Send us a text Pull a seat up at the table and join us in a conversation with the Executive Director of The Baptist Children's Village, Sean Milner. We discuss the valuable ministry opportunities across the state through their Continuum of Care initiative. BCV provides at-risk children and families with hope and a strong foundation for their future…
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Retirement Lessons From The Masters (Part 2)
15:14
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15:14In part two of this special Masters series, Scott takes us to the “back nine”- the final stretch of retirement planning where pressure builds and smart decisions matter most. From avoiding risky plays in your 50s and 60s to understanding how emotions can derail your strategy, Scott lays out what it really means to finish strong. Here’s some of what…
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King's Church launches into Easter; Kyle Rosas describes last few weeks
25:05
25:05
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25:05Send us a text Pull a seat up at the table and join us in a conversation with Kyle Rosas. He is the Lead Pastor of the newly launched King's Church in Anthem, Arizona (North Phoenix). We hear how God has provided through the launching process to a big celebration on Easter Sunday. Many Mississippi Baptist churches partner with King's Church. Around…
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A conversation about leading through change with Dr. Jeff Iorg
22:30
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22:30Send us a text Pull a seat up at the table and join us in a conversation with Dr. Jeff Iorg, President & CEO of the Southern Baptist Convention Executive Committee. John Maxed, Director of MBCB's Church Planting/Revitalization Department, joins Jon Martin and Tanner Cade to glean from Dr. Iorg's wisdom about pastoral transitions. This episode can b…
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Retirement Lessons From The Masters (Part 1)
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12:58
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12:58The Masters is a beautiful reminder of just how much strategy, patience, and long-term focus goes into a great round of golf. Turns out, retirement works a lot like the game. Today, we’re teeing up a few key lessons from the course and how they translate into smarter planning for your financial future. Here’s some of what we discuss in this episode…
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Smokey Gibson shares leadership wisdom in 10 years of ministry at FBC Biloxi
27:23
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27:23Send us a text Pull a seat up at the table and join us in a conversation with Smokey Gibson at FBC Biloxi. Smokey discusses recently celebrating 10 years of pastoral leadership at the church. Also, we hear about unique avenues of ministry in Biloxi as the whole church celebrates 150 years in 2025. Around the Corner Events: All Events: mbcb.org/even…
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