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Topinka Financial A personalized approach to managing wealth. https://linktr.ee/topinkafinancial Securities offered through Raymond James Financial Services, Inc.

Topinka Financial is not a registered broker/dealer and is independent of Raymond James Financial Services, Inc. Member FINRA / SIPC. Investment advisory services offered through Raymond James Financial Services Advisors, Inc. Important Disclosure Information: http://raymondjames.com/smicd.htm

10/16/2026

How much do you think you need to earn to be in the top 1% of income earners between ages 25–34? 👀💰

Carl and I took a guess… and the answer surprised us.

The number? Just under $300,000 a year.

That age range is pretty wide, and income can change dramatically as your career progresses.

10/09/2026

Carl and Mike are talking tipping culture 💸 When does being generous cross the line into overspending?

From everyday tip prompts to unexpected service fees, where do you draw the line? 👀

10/06/2026

We recently talked about how AI could reshape the economy.
Now we're beginning to see just how far that impact could extend.
The massive investment required to build AI infrastructure is creating demand for data centers, semiconductors, electricity, construction and manufacturing.
But there's another potential consequence investors should be watching:
Interest rates.
The Bank of Japan recently noted that the AI investment boom is stimulating economic demand and capital spending—and that the enormous financing needs of AI-related companies could contribute to upward pressure on long-term bond yields.
At the same time, Google just announced a 3,590-megawatt electricity agreement with Constellation Energy to help meet growing power demand, supporting more than $4.3 billion of investment.
This is why the AI story is becoming much bigger than technology stocks.
AI investment could influence:
• Economic growth
• Productivity
• Energy demand
• Corporate borrowing
• Inflation
• Long-term interest rates
For investors, the question is no longer simply which companies will benefit from AI.
It's increasingly about how the AI buildout could reshape the broader economy—and the investment landscape around it.

10/05/2026

Carl and Mike put their tipping knowledge to the test. 👀

If you had to rank these from **MOST tips → LEAST tips**, what would your order be?

🍽️ Restaurant servers
🍸 Bartenders
💇 Personal care
🏨 Hotel staff
🚗 Rideshare drivers

Drop your ranking in the comments👇

10/05/2026

Friday's jobs report changed the interest-rate conversation.
But maybe not in the way investors might expect.
The weaker employment report significantly reduced expectations that the Federal Reserve will raise rates again at its October meeting.
Yet the 10-year Treasury yield remains around 5.3%.
How can both be true?
Because the Federal Reserve directly controls short-term interest rates.
Long-term rates are set by the bond market—and investors are weighing much more than just the Fed's next meeting.
Inflation expectations.
Energy prices.
Government borrowing.
Economic growth.
And the enormous amount of capital being invested in areas like AI infrastructure.
That's an important distinction for investors.
The Fed can pause without long-term interest rates immediately falling.
And those long-term rates influence mortgages, corporate borrowing costs, bond returns and the valuations investors are willing to pay for stocks.
So while everyone watches what the Fed does next, it may be just as important to watch what the bond market is telling us.

10/01/2026

Nvidia CEO Jensen Huang believes the AI boom could reshape the U.S. economy in ways that go far beyond technology.

Huang estimates that building out the data centers and infrastructure needed to support AI could create roughly 1 million jobs—many of them in construction, electrical work, manufacturing and other skilled trades.

That's an important part of the AI story that sometimes gets overlooked.

AI isn't just about software companies and semiconductor stocks.

The enormous investment required to build the infrastructure behind it could impact:

• Construction
• Energy and utilities
• Manufacturing
• Skilled labor
• Data centers
• Semiconductors
• The broader U.S. economy

For investors, the AI theme may ultimately be much larger than simply identifying the companies developing the technology.

We may also be watching the buildout of an entirely new economic infrastructure around it.

09/30/2026

Oil prices are becoming an important part of the inflation story again.

Brent crude has moved back above $100 per barrel and is on pace for a roughly 14% gain in September.

For investors, the impact goes beyond what we pay at the gas pump.

Higher energy prices can increase transportation and production costs throughout the economy.

Those costs can eventually work their way into broader inflation.

And if inflation remains elevated, the Federal Reserve may have less flexibility when it comes to interest rates.

So when you're watching oil prices, you're really watching several things at once:

Energy costs → Inflation → Interest rates → Markets.

That's why the price of a barrel of oil can matter far beyond the energy sector.

09/30/2026

The labor market just gave investors something else to think about.

Private-sector employers added 90,000 jobs in September, coming in ahead of expectations and showing a pickup from August.

Why does that matter for markets?

A stronger labor market is generally positive for the economy—but in the current environment, stronger economic data can also keep pressure on interest rates if the Federal Reserve remains concerned about inflation.

That puts Friday's broader jobs report squarely in focus.

For investors, it's another reminder that markets aren't reacting to whether economic news is simply "good" or "bad." They're reacting to what that data could mean for inflation, interest rates and the Fed's next move.

We'll be watching.

09/28/2026

🚀 **SpaceX just hit another major milestone — and the implications go beyond space exploration.**

Starship reached Earth orbit for the first time Monday and successfully deployed all 26 Starlink V3 satellites on board, even after losing one of its six Raptor engines during ascent.

From a market perspective, the bigger story is scale.

If SpaceX can continue increasing the reliability and payload capacity of Starship, it could significantly reduce the cost of launching satellites while allowing Starlink to expand its network at a much faster pace.

That could have implications across telecommunications, satellite broadband, defense, aerospace and the broader commercial space economy.

Another reminder that some of today's biggest technological developments can eventually reshape entire industries.

09/24/2026

$150. That’s how much the average American estimates they’ve spent on unnecessary tips over the past year. 💸

And it’s not just restaurants anymore. Airports, self-checkout kiosks, and everyday purchases are increasingly asking, “Would you like to leave a tip?”

Carl and Mike dive into the tipping culture conversation and how those small expenses can add up over time.

But what do you think? 👀
Watch our new podcast now!!

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