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2025 The Final Drive Podcast

Hi, I’m David Hays, Founder of Comprehensive Financial Consultants and your host for 2025 The Final Drive podcast based on my book, 2025 The Final Drive: What You Need to Win. You can purchase this book at by visiting our website at This podcast will help you avoid the biggest risks that will affect your long-term retirement by planning. Much of this planning needs to be done by the year 2025, before taxes go up for good. I will teach you about the impact of our parents’ tax planning and how to break that cycle and create wealth for your retiree income, the risks associated with retiring during bad markets, and how to effectively plan for your longevity.

Aug 29, 2022

Student Debt.

This is a hot topic and we just added fuel to the fire.

Biden has set out to eliminate $10-20k worth of student debt.

While this helps many people now, mathematically this could potentially hurt us long term.

With thousands of students going further into debt every year, this responsibility should be on...

Aug 22, 2022

Special Edition on the “inflation reduction act of 2022” or should we call it the “we hope it doesn’t cause more debt act”?

More spending with the hopes of increasing revenue with a minimum corporate tax and increasing IRS audits – we’ll see if it works, but it rarely does.

It just reinforces we are...

Aug 15, 2022

Getting more personal with Martin James in our last installment of part 3 of 3.

Join David and Martin in their discussion of QCDs:

How can you help your own CPA when filing?

Later they get into how to manage a step-up cost basis.

How can you manage a step-up cost basis with married couples?

This hasn't been on...

Aug 8, 2022

Join David and his Guest Martin James as they embark on a 3-part series, this is part 2 or 3.

Martin, a recovering CPA, has also projected tax changes coming at the end of 2025 due to our Marginal Tax System.

How will this affect our current bracket rates? 

Have you ever thought to yourself:

What is Stealth tax?


Aug 1, 2022

Bloomington roots grow deep when these 2 individuals get to talking.

Join David and his Guest Martin James as they embark on a 3-part series, this is part 1 of 3. 

Martin James is a recovering CPA now turned Fly Fishing Instructor.

Martin is a Charter Member in the Ed Slott's Elite Group with David.