Business Finance and Soul

In this episode of Business, Finance and Soul, I explore the concept of polarity and how embracing the dark moments in life can lead to profound growth and appreciation for the good. Learn how to shift your mindset to view challenges as portals to new opportunities and deeper understanding. This episode focuses on actionable insights on building resilience and finding meaning in life's inevitable ups and downs. In This Episode: 00:00 Introduction to Polarity 01:05 The Paradox of Polarity 04:05 Embracing Chaos and Change 07:30 Lessons from Loss 10:11 The Role of Struggle in Growth 12:13 Recognizing Opportunities in Pain 15:13 Navigating Life's Ups and Downs Key Takeaways: Embrace Polarity: Recognize that opposing forces in life are essential partners, not enemies. View Challenges as Portals: Shift your perspective to see difficult times as opportunities for growth and future manifestation. Cultivate Gratitude: Deepen your appreciation for positive experiences by acknowledging the contrast with challenging times. Build Resilience: Strengthen your emotional and spiritual muscles by leaning into pain and discomfort. Seek Lessons: Ask yourself what difficult situations are teaching you and what they are making room for in your life. www.BusinessFinanceAndSoul.com www.CallTSG.com   

Today I explore the complexities of giving and receiving advice, highlighting the importance of leading by example and personal transformation. Learn how to shift from unsolicited advice to authentic leadership by prioritizing self-care and modeling the life you wish for others. Discover actionable strategies to refill your tank and inspire those around you. In This Episode: 00:00 The Nature of Advice 02:30 The Struggles of Living the Advice 05:00 The Shift in Perspective 08:00 Modeling Behavior for Others 12:30 Self-Audit for Personal Growth 15:00 Refilling Your Tank 18:00 Living Your Advice Key Takeaways: Prioritize self-care to lead and give more effectively; you can't pour from an empty cup.

In this episode, I explore the power of habits and systems for achieving personal and professional growth. Learn how to implement small, consistent changes to achieve goals related to wealth, health, and relationships, drawing insights from James Clear's “Atomic Habits.” Discover practical strategies for tracking progress and building an identity that supports long-term success. In This Episode: 00:00 The Power of Habits 01:30 Systems Over Goals 03:40 The 1% Rule 05:30 Focusing on Controllables 08:00 Identity-Based Habits 10:50 Tracking Progress 12:40 Leading vs. Lagging Indicators 15:00 The Importance of Small Wins 17:00 Building Habits Takes Time Key Takeaways: Define Controllable Outputs: Focus on actions you can control (inputs) rather than hard-to-measure outcomes. Build Habits Around Identity: Align your habits with the person you want to become (e.g., “become a reader” instead of “read a book”). Use a Habit Tracker: Create a simple habit tracker with yes/no checkboxes to monitor consistency in intangible areas. Prioritize Leading Indicators: Track leading indicators (e.g., meal prepping for weight loss) rather than lagging metrics (e.g., weight loss itself). Embrace Small Wins: Recognize that significant progress often starts with small, consistent actions. Measurement doesn't have to be numeric. It can be as simple as a yes/no checkbox for habits that reinforce your values: Habit Mon Tue Wed Thu Fri Sat Sun Listened without interrupting my partner ✅ ✅ ❌ ✅ ✅ ✅ ✅ Exercised 30 mins ✅ ❌ ✅ ✅ ✅ ❌ ✅ Reached out to a friend ❌ ✅ ✅ ✅ ❌ ✅ Connect with Shaun Enders https://www.linkedin.com/in/shaunenders/ www.CallTSG.com  Subscribe: https://podcasts.apple.com/us/podcast/business-finance-and-soul/id1680587418 https://open.spotify.com/show/4Rr0lulKYz7ZH1uSbteuQN https://www.audible.com/podcast/Business-Finance-Soul/B0C59PP59P?action_code=ASSGB149080119000H&share_location=pdp  Resources Mentioned: Atomic Habits by James Clear: https://www.amazon.com/Atomic-Habits-Proven-Build-Break/dp/0735211299/ref=asc_df_0735211299?mcid=f87fdd4a273b3c7ea025428ffab93506&hvocijid=1585103782904279902-0735211299-&hvexpln=73&tag=hyprod-20&linkCode=df0&hvadid=721245378154&hvpos=&hvnetw=g&hvrand=1585103782904279902&hvpone=&hvptwo=&hvqmt=&hvdev=c&hvdvcmdl=&hvlocint=&hvlocphy=9031352&hvtargid=pla-2281435178538&psc=1  

Ever wonder if you're building the right life? Dive into a thoughtful exploration of comfort versus challenge and discover how intentional discomfort can unlock deeper fulfillment and personal growth. In This Episode: 00:00 Welcome and Reflection 02:10 The Comfort-Challenge Balance 04:25 The Trap of Comfort 06:10 Designing Your Life 09:44 Creating a Fulfillment Map 12:14 Intentional Leisure and Growth Challenges Key Takeaways: Reflect on whether your life is intentionally designed or passively created. Assess your energy levels to determine if you're living a life of fulfillment or just effort. Incorporate regular challenges that invite growth, not just stress. Balance leisure and learning to avoid overstimulation and promote well-being. Create a “fulfillment map” to visualize and adjust your comfort, challenge, leisure, and growth balance. Subscribe to [Podcast Name]: Apple Podcasts: https://podcasts.apple.com/us/podcast/business-finance-and-soul/id1680587418  Spotify: https://open.spotify.com/show/4Rr0lulKYz7ZH1uSbteuQN  Audible: https://www.audible.com/podcast/Business-Finance-Soul/B0C59PP59P?action_code=ASSGB149080119000H&share_location=pdp  Connect With Shaun: Linkedin: https://www.linkedin.com/in/shaunenders/ www.CallTSG.com 

The Truth Behind the Snapshot: Building Your Personal Success Algorithm We've all seen it: someone pulls up in a beautiful car, posts a picturesque vacation photo, or shares a business milestone on LinkedIn. And just like that, our mind starts to draw conclusions. They've made it. They've figured it out. Why not me? But the truth is, success is never as instantaneous as it looks. What we're seeing is a snapshot—a single frame from a much longer movie. That person smiling in front of the new house may have spent years quietly grinding, filled with self-doubt, maxed-out credit cards, and sleepless nights. They might still be in it, just in a different chapter. Their external “win” today could be the first fruits of a seed planted long ago in silence and struggle. Given we are all at different stages, it's important to have your own personal recipe. Below are some helpful steps as you build and grow. 1. Define What Success Looks Like for You Not your neighbor's version. Not social media's version. Is it more time with your family? Financial freedom? Creative expression? Peace of mind? Success without a personal definition becomes a trap of chasing what everyone else wants. Action: Write your own success mission statement in one or two sentences. Example: “Success to me is having enough financial stability to support my family while maintaining the freedom to spend time with them daily.” 2. Audit Your Inputs What are you consuming daily—content, conversations, people, environments? Every input becomes part of your algorithm. If you're only watching people who portray perfect lives, your brain will feed you unrealistic output. Action: Replace one unhelpful input with something inspiring and honest—a book, podcast, or community that shares the full journey, not just the highlight reel. 3. Collect Ingredients, Not Idols You don't need to be that successful entrepreneur or become that perfect parent—you just need their best practices. Take the ingredient that works for you, and discard the rest. Action: Identify 3 people you admire in different areas of life. Ask: “What's one habit they have that I could try for 30 days?” Test it. Keep it if it fits. 4. Build Feedback Loops What's working? What isn't? What are you doing just because you think you should? Real algorithms adapt. So should yours. Action: Set a monthly check-in with yourself. Ask: “Did I move closer to my version of success this month? What should I keep, change, or drop?” 5. Stay in Beta Mode Nothing is final. Life changes, goals evolve, circumstances shift. Don't lock yourself into a system that served the old version of you. Stay agile. Action: Journal occasionally on the prompt: “What does the next version of me need more of? Less of?” 6. Add Compassion as a Constant Any algorithm needs constants. In this one, compassion for yourself and others is non-negotiable. You're not a robot. You will fail, pivot, and question things. That's not the breakdown—it's the build. Action: Choose one self-compassionate phrase you'll return to when things get hard. (e.g. “I'm building, not finished.”)   www.BusinessFinanceAndSoul.com  www.CallTSG.com   

We all need money. That's a fact. We take jobs to survive, to build financial security, and to provide for ourselves and our families. But how often do we take a job and tell ourselves, “I'm only doing this for the money”? That mindset, while seemingly practical, can lead to discontent, lack of motivation, and ultimately, a limitation on opportunities that might otherwise come our way. But what if we flipped the script? What if, instead of viewing a job as a necessary evil, we approached every position—no matter how small—with a mindset of excellence? What if we committed to doing our absolute best, not because the job is perfect, but because we refuse to be anything less than excellent? Even if we don't yet know what the “greater” opportunity ahead of us is, what if we trusted that dedication and mastery in the present will inevitably lead us to better things? www.BusinessFinanceAndSoul.com www.CallTSG.com   

If you've ever played a competitive sport, you understand the highs and lows that come with it. The thrill of a win. The frustration of a loss. The need for discipline, resilience, and personal accountability. If you've worked in sales, you've felt those same emotions. Sales is a game—one where skill, mindset, and teamwork determine success. The more I observe high-performing sales professionals, the more I see the parallels between top athletes and elite salespeople. Both require grit. Both demand the ability to push through failure. And both reward those who are willing to play the long game. Today I will discuss five truths about the parallels between sports and sales. 1. The Importance of Personal Accountability 2. Resiliency in the Face of Failure 3. The Thrill of Competition 4. The Power of Teamwork 5. Playing the Long Game www.CallTSG.com www.BusinessFinanceAndSoul.com

In the world of high-performance teams, there's a saying that Navy SEALs live by: “Slow is smooth, and smooth is fast.” At first glance, it might seem counterintuitive—how can going slower actually make you faster? But this principle is a game-changer, whether you're navigating life, building a business, or making important decisions. At its core, this philosophy is about deliberate execution—moving with precision, reducing mistakes, and creating momentum that leads to sustained success. It's about resisting the urge to rush and instead committing to a process that ultimately gets you further, faster. I encourage you to reflect on how it might apply to your own life and business. Where could slowing down actually speed things up for you? www.BusinessFinanceAndSoul.com  Transition Staffing Group www.calltsg.com 

In a world that glorifies instant gratification and the allure of variety, the idea of picking a single career path and committing to it can feel countercultural. Yet, mastery—true expertise—comes from dedicating yourself to one lane, even when the journey feels repetitive or mundane. This is a hard truth, but an essential one for anyone looking to build a meaningful and impactful career. You may agree or disagree based on personal experience, but I encourage you to listen and think about how this idea can apply in your own life. www.BusinessFinanceAndSoul.com 

It's easy to dismiss the classic cold call as an outdated relic. Yet, in the world of service-based businesses—especially staffing—cold calling is not only alive but also thriving. While it's true that clients, especially hiring managers, aren't necessarily excited to receive unsolicited calls, the undeniable reality is that cold calling works. More importantly, it remains one of the most effective ways to build genuine relationships with potential clients. In a perfect world, every business would post ads, create compelling content, and watch clients flood their inboxes with inquiries. While these inbound tactics play an essential role in marketing strategy, they're inherently passive. They're effective—when they work—but they're also unpredictable. You're relying on the right person to come across your message at the right time and take action. For service-based firms like ours, that's simply not enough. Staffing firms are in the business of timing, connection, and alignment—all of which require a proactive approach. Our firm doesn't wait for ideal clients to stumble upon us. We actively identify companies where we know we can add value. We analyze hiring managers' backgrounds, assess where our business model fits, and reach out to start a conversation. At its core, cold calling isn't just about making a sale. It's about building relationships. The first call is often the hardest because, yes, it's unexpected. No one likes to be caught off guard. But in many cases, that first call leads to something bigger. It's the start of a relationship that can transform into a true partnership. Our approach to cold calling isn't about pushing a product. It's about offering insights, sharing market trends, and providing value. We're not looking for a transactional interaction—we're looking for alignment. Can our brands work together? Can we help them achieve their hiring goals? These questions are only answered through conversation. Of course, not every call is warmly received, and that's okay. Part of our role as a staffing partner is to stay visible and top-of-mind for when our services are needed. Cold calling is simply the most effective way to do that.   www.BusinessFinanceAndSoul.com  https://www.calltsg.com/blogs/why-cold-calling-still-matters 

Welcome to 2025! It's natural to look back on 2024 and evaluate the journey you've taken. My recommendation, rather than setting traditional New Year's resolutions, consider taking a more thoughtful and introspective approach. Reflect on 2024 by documenting your experiences, celebrating your progress, and identifying areas for growth. Here's how to make the most of this reflection process and step into 2025 with purpose and clarity. 1. Document the Journey Places You Visited Where did you go in 2024 that left an impact on you? Whether it was a far-flung destination or a quiet corner of your hometown, revisit these memories. Write about what made these places meaningful—the people, the experiences, or the lessons learned. Strategy: Create a travel journal with photos and short reflections. Rank your top three most inspiring locations and note why they resonated with you. People Who Inspired You Who were the individuals that uplifted or motivated you this year? Reflect on how they influenced your mindset, decisions, or outlook. Strategy: Write letters (even if you don't send them) expressing gratitude to these people. Consider how you can carry forward their influence in your life. 2. Reflect on Lessons Learned What Did You Learn? Think about the challenges you faced and the insights they offered. What moments pushed you to grow, and how did you respond? Strategy: Break down major events into three parts: the situation, your reaction, and the lesson. Journal prompts: What is one thing 2024 taught me about myself? How did I overcome a difficult moment? Handling Adversity and Setbacks Adversity is inevitable, but how you handle it shapes your character. Were there moments where you surprised yourself with resilience or grace? Or times when you wish you had shown up differently? Strategy: Create a “handle adversity” playbook. Include techniques or affirmations that worked for you and identify areas where you'd like to improve. Ask yourself: Did I show up the way I wanted to in tough situations? 3. Celebrate and Build Upon Your Progress Celebrate Wins Take time to acknowledge your achievements, no matter how small. Pride in your accomplishments lays the foundation for future successes. Strategy: Make a list of your top five wins in 2024. Reward yourself with something meaningful, such as a personal treat or a day of rest. Identify Growth Areas Examine areas where you'd like to improve. Focus on your reactions and intentions in specific situations. Strategy: Write down one behavior you'd like to adjust in 2025 and how you plan to do it. Partner with a trusted friend or mentor to keep you accountable. 4. Approaching Life in 2025 Set Intentions, Not Resolutions Resolutions can feel rigid, while intentions allow flexibility and growth. How do you want to show up in 2025? Strategy: Choose a theme for the year (e.g., “curiosity,” “balance,” or “growth”). Write a vision statement for the year: “In 2025, I want to...” Commit to Thoughtful Living Rather than trying to overhaul your life, focus on small, consistent changes that align with your values. Strategy: Start each month by reflecting on your progress. Practice mindfulness through journaling, meditation, or daily gratitude exercises. Closing Thoughts Reflecting on 2024 isn't just about revisiting the past; it's about learning, celebrating, and growing. By documenting your journey, embracing the lessons, and setting thoughtful intentions, you can approach 2025 with a sense of purpose and clarity. Let this year be a chapter where you write your story deliberately and authentically.   www.BusinessFinanceAndSoul.com   

Episode Overview: In this episode, I explore the critical concepts of risk tolerance and risk capacity, examining their distinct roles in decision-making across various facets of life, including finance, career, and personal relationships. Key Themes: Defining Risk Tolerance and Risk Capacity: Risk Tolerance: Described as an individual's emotional comfort with uncertainty and potential loss, influenced by personality and life experiences. Risk Capacity: Refers to one's financial and emotional ability to withstand losses. The Misalignment of Risk Factors: Highlighting how risk tolerance and capacity are not always aligned, leading to potential conflicts in decision-making. Examples include being emotionally ready for risks but lacking the necessary financial resources, or vice versa. Impact on Investment Decisions: Importance of understanding both factors for informed investment strategies. Discusses consequences of mismatches, such as panic selling during market downturns. Advocates for a long-term investment approach to endure short-term losses. Application Beyond Finance: Exploration of risk in major life decisions, like career changes and relationships. Encourages evaluation of motivations and readiness, both financially and emotionally. Suggests seeking support during setbacks and balancing short-term challenges with long-term gains. Planning and Adaptability: Emphasizes careful planning and the need to adapt to changing circumstances. Importance of understanding personal resources, goals, and inclinations toward risk. Conclusion: By gaining a deeper understanding of risk tolerance and risk capacity, individuals can make more informed and aligned decisions, ultimately leading to more favorable outcomes in both financial and personal spheres. Call to Action: Reflect on your own risk tolerance and capacity. Consider how these factors influence your decision-making and how you can better align them to achieve your goals.   www.BusinessFinanceAndSoul.com 

In the dynamic world of travel rewards, Julian Kheel stands out as a trailblazer, helping travelers unlock the full potential of their miles and points. With a wealth of experience as a former Director and Senior Analyst at The Points Guy and Senior Editor at CNN covering finance and travel, Julian brings unparalleled expertise to the table. Now, as the founder of Points Path, he is revolutionizing how we view and utilize travel rewards, transforming them from mere perks into indispensable tools for smart and intentional travel planning. Today's episode is a must-listen! Whether you're curious about diving into the world of travel rewards or seeking expert advice on points hacks to optimize your journeys, Julian has invaluable insights to share. Don't forget to check out Points Path and download their free extension—link below—to start planning your travels with purpose and precision! You can connect with Julian at: https://pointspath.com/  https://www.linkedin.com/in/julian-kheel-a50a0b18b/ https://www.instagram.com/juliankheel/?hl=en  

Joing me today as I explore Noetic Truth. There's something profoundly mysterious about the way humans navigate the world. Beneath the surface of logic and reason lies an internal compass—a subtle, often unexplainable knowing—that many refer to as noetic truth. It's not taught, nor is it learned in the traditional sense. It simply is, waiting for us to notice it. But where does this inner knowledge come from, and how has it shaped human existence? To explore the origins of noetic truth, we must look through multiple lenses: biology, spirituality, philosophy, and history. Each offers a unique perspective, yet they converge in one remarkable fact—this truth is both universal and timeless. www.BusinessFinanceAndSoul.com   

Cannon Carr, a regional director at EP Wealth, transitioned from being a Wall Street analyst to an entrepreneur in wealth advisory to have a more meaningful impact on clients' lives. He merged his firm with EP Wealth Advisors to access growth capital and improved services. Cannon now aids business owners in achieving life goals through independent wealth management, discussing the shift from corporate environments to entrepreneurship, emphasizing financial freedom, managing overhead, and balancing profit maximization with long-term growth investments. He reflects on the naivety of first-time entrepreneurs and complex business decisions like reinvesting dividends versus taking them as income, learning from family business failures. Carr highlights that spending habits affect financial stability and happiness more than income levels and introduces the “three R's” framework—reward, reinvest, and repurpose—for aligning finances with personal satisfaction. He outlines strategies for managing profits, stressing the need for a clear financial roadmap, exit strategy, and cautioning against emotional business ties. He discusses “lifestyle creep,” emphasizing clear financial independence goals and the importance of maintaining liquidity for emergencies. Carr advocates for behavioral discipline and having a financial accountability coach, contrasting scarcity and abundance mindsets with insights from Warren Buffett and opportunities during economic downturns.   You can connect with Cannon through his podcast or Linkedin: https://businessownertales.com/ https://www.linkedin.com/in/cannon-carr/   

Join Shaun Enders, CEO of Transition Staffing Group, and Kelly Swanberg, CEO of Cake Freight, as they chat about how to build high-performing teams by finding the right people and keeping them engaged. Key Points: Finding Great Talent: Cake Freight uses LinkedIn and works with recruiters to keep a steady stream of candidates. It's crucial to have flexible team members, especially when the company is growing. Keeping Employees Happy: Focus on team vibes and leadership, not just perks, to keep people around. Clear communication and career paths motivate employees, especially in smaller teams. Skill Growth and Teamwork: Keep developing skills and match personal goals with the company's vision. Work with recruiting firms to ensure new hires fit well with the company culture. Tackling Hiring Hurdles: Avoid biases and don't focus too much on fancy backgrounds to prevent hiring mistakes. Use a structured onboarding process with clear goals and performance indicators. Refreshing the Hiring Process: Include collaborative projects before hiring and extend interviews to 30-60 days for better assessment. Streamlining Recruitment: Use tools like LinkedIn and video interviews for smoother recruitment. Partner with recruiting firms that align with your company culture. Building Long-Term Partnerships: Do thorough checks to ensure candidates are a good fit. Develop lasting relationships with search firms to understand top performer traits, crucial for selecting the right candidates. A search firm's reputation and knowledge of your business can greatly affect the company's market image.   https://www.linkedin.com/in/kellyswanberg/ https://cakefreight.com/  

In this episode I address the common tendency to repeatedly tackle familiar problems, creating a false sense of progress. I call it the problem solving loop and there are reasons for this cycle, including the comfort of familiarity, the allure of quick fixes, and the avoidance of complex challenges. Key Points: Understanding the Cycle: Exploration of why we gravitate towards solving familiar problems. Analysis of the comfort and security provided by known issues. Discussion on how simple solutions provide immediate gratification. Strategies for Effective Problem-Solving: Emphasizing the need for identifying deeper, sustainable solutions. Importance of building upon existing resolutions to achieve real progress. Examples from Sports: Insights from sports like pickleball, illustrating the concept of advancing beyond basic skills for continuous improvement. Application Across Life Areas: Encouragement to focus on new challenges after completing smaller tasks to clear mental space for significant goals. Strategies for tackling more complex and impactful challenges. Consistency and Evaluation: Highlighting the necessity of consistent implementation of solutions. Regular evaluations to track progress and ensure growth. I aimed in this episode to share my personal challenges in this area and I encourage listeners to move beyond the comfort of repetitive problem-solving by embracing new challenges, focusing on deeper solutions, and consistently evaluating progress. This approach not only enhances personal and business growth but also frees mental energy for more significant goals. www.BusinessFinanceAndSoul.com  

Episode Theme: The transformative power of solo trips in a hectic world. Key Takeaways: The Importance of Solitude: Solo trips are essential amidst life's hustle and bustle, providing a space for personal time that fuels creativity and self-reflection. Being alone helps individuals connect with their true selves and visualize future aspirations. Personal Growth Through Solitude: Listening to one's own thoughts and instincts is crucial for personal growth and self-discovery. I talk about planning and embarking on a solo trip, though initially intimidating, led to empowerment and fulfillment. Supportive Partnerships: Mutual support between your partner is very helpful and encouraging, because the truth is, you will come back as a better partner for them. Activities to Enhance the Experience: Engage in journaling, meditation, and connecting with nature to enrich the solo journey. Journaling is recommended as a powerful tool for processing thoughts, with hand-written entries offering deeper insights. Practical Tips for Solo Trips: Choose safe and peaceful destinations, minimize distractions, and prioritize self-reflection. Pack essentials like comfortable clothes, a book, and a journal to facilitate the experience. Stay flexible, trust your intuition, and embrace the opportunity to escape chaos and gain clarity. Overcoming Hesitation: If a solo trip seems daunting, view it as an invitation to explore with curiosity and embrace the potential for growth. Conclusion: Solo trips are not just escapes; they are journeys inward that offer mental clarity, emotional resets, and the chance to address personal and professional goals. Embrace the solitude to reconnect with yourself and navigate life's chaos with renewed clarity.   www.BusinessFinanceAndSoul.com 

Show Notes: The Power of Self-Image in Personal and Professional Growth Episode Highlights: The Influence of Self-Image: We address the pivotal role of self-image in shaping our personal and professional lives. Self-perception dictates our interactions and potential, echoing Bob Proctor's notion that self-image sets our limits. Maintaining a Positive Self-Image: Continuous effort is required to sustain a positive self-image through practices like daily affirmations. A strong self-image boosts confidence, innovation, and willingness to take risks. A weak self-image leads to indecision and minimal actions. Impact in Competitive Environments: Self-confidence is crucial in competitive settings, such as job searches, influencing performance and others' perceptions of us. Overcoming Outdated Self-Images: Many individuals are held back by outdated self-images from past experiences. Self-awareness and daily affirmations are key to overcoming these limitations and fostering growth. Consistent Effort for Self-Improvement: Compare maintaining a positive self-image to regular exercise and proper nutrition, emphasizing consistent effort. Addressing doubts about worthiness through self-examination is necessary for effective affirmations. Aligning Self-Image with Reality: It's crucial to change behaviors or circumstances if self-beliefs do not align with reality. Personal effort is vital for improvement; external rescue is unlikely. Embracing Change for Growth: Embracing change is essential for progress, whether in business strategies or career paths. Holding onto comfort while seeking growth is counterproductive. Career Realignment: Individuals feeling unfulfilled in their careers should consider shifts to align their self-image with their aspirations. Open communication with employers about stagnation is important for career development. Entrepreneurial Self-Image: For entrepreneurs, believing in their product or service and having a strong self-image is crucial for attracting positive relationships and opportunities. A weak self-image can hinder trust-building and limit prospects. Daily Affirmations and Success: Daily affirmations can bolster confidence and provide direction, leading to an improved self-image and greater success. Self-image evolves with nurturing and consistency, and one's beliefs are central to inspiring positive change in oneself and others. Takeaway Message: The episode emphasizes the profound impact of self-image on personal and professional success. It encourages listeners to actively nurture a positive self-image through continuous self-awareness, daily affirmations, and embracing change. By doing so, individuals can unlock their potential, foster confidence, and achieve their aspirations. www.BusinessFinanceAndSoul.com 

Scott Rusnak on Building High-Performing Teams and Achieving Success Episode Theme: In this episode, Scott Rusnak delves into his approach to building high-performing teams and achieving success, all while maintaining a balanced life through structured living. He highlights the pivotal role of supportive relationships and the ability to lead a fulfilling life alongside creating a successful business. Scott's insights are drawn from his personal experiences, emphasizing core values, teamwork, and the importance of intentionality and purpose. Key Highlights: Balancing Work and Life: Importance of structured living for a balanced life. Emphasizing supportive relationships in both personal and business environments. Core Values and Success: Importance of humility, dedication, and joy in pursuing long-term goals. Making tough decisions about team alignment to stay true to core values. Authenticity and Resilience: Authenticity as a cornerstone of successful leadership. Viewing failures as learning opportunities. Perseverance, planning, and strategic approaches to overcome challenges. Building Resilient Teams: Hiring based on core values and fostering open communication. Effective onboarding with clear success metrics and priorities. Cultivating a team culture driven by purpose and passion. Purpose and Intentionality: Redefining purpose beyond material success. Understanding one's “why” for long-term fulfillment. Practical tools like the “delegate and elevate checklist” for identifying strengths and passions. Leadership and Vision: Importance of a clear personal vision and accountability. Envisioning and working towards ideal lives. Sharing ambitious personal goals and fostering collaborative relationships for growth. Inspirational Insights: Referencing notable figures like Charles Lindbergh and Simon Sinek. Importance of practical guidance over theoretical concepts. Personal Journey and Mindset: Evolution towards a coaching career and its impact on others. Significance of mindset in achieving long-term goals. Community and Connection: Highlights from a recent gathering at a Padres game showcasing unique attendee connections. Admiration for stoicism and continuous learning. Connect with Scott Rosnik: Website: [Scott Rusnak's Website] LinkedIn: [Scott Rusnak's LinkedIn] Stay tuned for upcoming instructional content and further insights. www.BusinessFinanceAndSoul.com   

Are you working in a hyrbid or fully remote environment? Perhaps you are fully in office. Today, I discuss the trends surrounding this new reality. I also provide some actionable steps you can take today if you are fully remote to sustain and thrive.   Main Themes: Remote Work Evolution: Diverse Employee Experiences: Strategies for Productive Remote Environments: Hybrid RTO Models: Role-Dependent Effectiveness: Communication and Adaptability: Key Takeaways: Preparation and Strategy: A well-thought-out remote work strategy is essential for maintaining productivity and team cohesion. Adaptability: Embracing change and continuously adjusting practices can lead to more engaged employees. Balanced Approach: Combining the benefits of both in-office and remote work can create a sustainable and effective work environment. www.BusinessFinanceAndSoul.com 

I love the saying, carry the lesson, not the guilt, it's lighter.  The question isn't whether you will make a mistake in life, the quesiton is what will you do with that mistake? Today I jump into the opportunities for growth within our personal journey. Acknowledge Your Feelings: It's essential to recognize and validate your feelings of guilt. Suppressing emotions can lead to greater distress. Allow yourself to feel, but don't let these feelings define you. Reflect on the Experience: Take time to reflect on what happened. What did you learn from the situation? How can this knowledge inform your future decisions? Reflection turns mistakes into valuable life lessons. Practice Self-Compassion: Treat yourself with the same kindness and understanding that you would offer a friend. Self-compassion helps us move past guilt and embrace a healthier, more constructive mindset. Focus on Actionable Steps: Identify actionable steps you can take to improve or rectify the situation if possible. Taking action, however small, can alleviate feelings of helplessness and guilt. Let Go and Move Forward: Holding onto guilt doesn't change the past. Allow yourself to let go, knowing that you've learned from the experience. Focus on the present and the future, where your actions can make a difference. www.BusinessFinanceAndSoul.com 

Episode Show Notes: Navigating Financial Independence for Millennials with TJ Van Gervin Host: Shaun Enders Guest: TJ Van Gervin, Founder of Modern Wealth Builders Main Theme: Financial Independence for Millennials In this enlightening episode, Shaun Enders engages in a deep dive with TJ Van Gervin, the visionary founder of Modern Wealth Builders, a company dedicated to helping millennials achieve financial independence through technology-driven services. TJ shares his journey from experiencing poverty to studying economics and actuarial science, culminating in the establishment of his company in 2018. Key Discussion Points: Diverse Financial Mindsets: Exploring the dichotomy between scarcity and abundance mindsets. The importance of financial literacy for couples and the role of a financial planner in aligning financial beliefs. Evolving Financial Roles: The shift among millennial couples from traditional financial roles to more open financial discussions. Addressing emotional challenges when merging finances and prioritizing individual financial independence. Generational Trends and Financial Independence: Millennials and Gen Z's resistance to traditional commitments like marriage and parenthood due to financial burdens. The impact of the rising cost of living on family planning decisions and the value of financial flexibility for meaningful experiences. Purpose Over Financial Milestones: Critiquing the belief that specific financial milestones guarantee fulfillment. The importance of focusing on purpose-driven activities with the help of a financial planner. Investment Strategies and Real Estate: The pitfalls of seeking quick wealth through speculative investments and the advocacy for gradual wealth accumulation. Discussing passive rental income and the complexities of real estate investments, including the need for scale and active management. Generational Views on Real Estate: Differences in how older and younger generations perceive real estate as an investment. The psychological impact of market fluctuations on perceived property value. Financial Planning Principles: Emphasizing living below one's means and maintaining a personal savings rate for financial flexibility. Encouraging personal responsibility in financial planning, adapting to changing circumstances, and mutual support in dual-income households. Innovative Financial Planning Models: The benefits of gamifying financial discussions and focusing on long-term planning. The significance of lifetime tax planning and advocating for tax diversification between traditional and Roth accounts. Personal Experiences and Values: TJ's transition from survival mode to focusing on potential and helping others. Viewing challenges as opportunities for growth and finding deeper meaning in work, especially in fields like healthcare. Modern Wealth Builders' Approach: Introducing a subscription-based financial planning model tailored to millennials' unique challenges. Addressing generational differences and the impact of social media on financial identities. Connect with Modern Wealth Builders: For more insights and personalized financial planning, visit modernwealthbuilders.com. Tune in to discover practical advice and inspiring stories that can guide millennials towards a financially independent and purpose-driven life.

As humans, we have an intrinsic desire to see around the corner, to know what the future holds. This yearning is rooted in our need for preparedness and safety. The unknown can be intimidating, evoking feelings of anxiety and fear. We crave certainty because it provides a sense of control and comfort. However, if we look deeper into this desire, we might find that knowing the future may not be as beneficial as it seems. In this episode, I discuss the following: Our deep desire to know the future The fear of the unknown The paradox of knowing The value of the journey Embracing uncertainty I hope you enjoy and as always, stay curious! www.BusinessFinanceAndSoul.com   

Navigating Relationships with Vision and Communication Episode Theme: Today I celebrate 25 years of commitment to my wife. In fact, my anniversary got me thinking about personal and professional relationships. As I reflect on the journey of my marriage, it was abundantly clear that my wife and I have always shared our dreams. Our vision of what a future together might look like. How we would like to experience a future reality together.  Our life has not always gone to plan, but we are both bought into each other's vision. There is little difference when leading a company or a team. Personal and professional relationships are very similar on many fronts. In this episode, I explore both, and I share both my successes and my missteps.  Key Discussion Points: The North Star Principle: Understanding and identifying your guiding principles to navigate through life's decisions and opportunities. How a “north star” can provide direction and purpose in both personal and professional settings. Personal Relationships: The importance of sharing life goals and aspirations with your partner. Strategies for fostering stronger bonds and minimizing misunderstandings through aligned objectives. Real-life examples from my 25-year relationship journey. Professional Relationships: Articulating a clear vision to keep employees engaged and motivated. Aligning team efforts with organizational goals for cohesive and productive work environments. Preparation and Luck: Balancing preparation with the element of luck in achieving success. How being prepared increases the chances of favorable outcomes. Continuous Improvement: The significance of seeking feedback and prioritizing long-term growth. Incorporating personal values into everyday decisions for sustained harmony and success. Takeaways: Develop and adhere to a personal “north star” to guide your decisions. Openly communicate life goals and aspirations in personal relationships to work towards a shared future. Clearly articulate organizational visions to keep employees motivated and aligned. Embrace preparation while acknowledging the role of luck. Commit to continuous improvement and feedback for long-term success and harmony. Call to Action: Reflect on your own guiding principles and consider how effectively you communicate your vision in both personal and professional spheres. Take steps today to align your relationships with these insights for a more harmonious and successful future. Listener Challenge: This week, take time to discuss with a partner or team member about your shared goals and visions.  

The Power of Perspective: Navigating Life's Challenges with a New Lens Life is full of twists and turns, whether you're steering a startup through turbulent waters or grappling with personal challenges that feel insurmountable. The key to navigating these tumultuous moments often lies in one crucial element: perspective. The Breakfast Epiphany: Startup Growth and Financial Decisions Imagine this: you're at breakfast, deep in conversation about the unpredictable journey of startup growth. Every sip of coffee seems to amplify the weight of significant financial decisions looming over you. The uncertainty is palpable, the risk is enormous, and you find yourself in what can only be described as a “tornado” of doubt and stress. It's moments like these that require more than just logical analysis; they demand a leap of faith and a reservoir of determination. Shifting the Lens: Overcoming Anxiety and Fear In these high-stakes situations, it's easy to get paralyzed by fear. But what if the solution lies not in changing the circumstances, but in shifting your perspective? By viewing challenges as opportunities for growth rather than insurmountable obstacles, you can transform anxiety into action and fear into focus. Life Lessons from the Open Road: Motorcycle Riding and Business For me, there's a fascinating parallel between motorcycle riding and business. Both require a keen sense of focus and a solid perspective to navigate effectively. On a motorcycle, the road ahead can be unpredictable, much like the journey of a business. But by keeping your eyes on where you want to go, rather than the obstacles in your path, you can steer yourself towards success. Embrace the Journey: Appreciate, Achieve, and Stay Curious At the heart of this narrative is a simple yet transformative message: appreciate your journey, recognize your achievements, and remain curious for future growth. Life's challenges are inevitable, but by shifting your perspective, you can turn these challenges into stepping stones towards greater success and fulfillment. So the next time you find yourself caught in a storm of doubt and stress, remember that the power to change your situation often lies within. Shift your perspective, take that leap of faith, and embrace the journey ahead. After all, it's not just about where you're going, but how you choose to get there.

Mastering Interviews with SSO Method In this episode, I highlight the SSO (Scenario, Solution, Outcome) method as a powerful tool for showcasing your skills and experiences. Companies looking for the best talent and candidates seeking a new opportunity, should utilize SSO. Key Highlights: SSO and STAR Method: We compare the SSO method with the well-known STAR (Situation, Task, Action, Result) method. Both methods are designed to help candidates present specific and tangible examples, moving away from generic responses. Preparing for Interviews: Emphasis on crafting positive stories and key points for easy recall. The importance of honesty about your skills and a willingness to learn. Continuous Learning: Encouragement to maintain a sense of curiosity and openness to new insights and learning opportunities. Remember to paint yourself into the job you desire!

Embracing Discipline as a Path to Growth In this episode, I explore the concept of discipline, uncovering its true essence and purpose beyond the common misconception of it being synonymous with punishment. Here are the key highlights: Origins and Meaning: Explore the Latin roots of the word “discipline,” which translates to instruction or knowledge. Understand discipline's primary role in teaching and guiding rather than punishing. Discipline as Growth: View discipline as an opportunity for personal and professional development. Emphasize the importance of setting boundaries, explaining rules, and fostering understanding. Effective Discipline Practices: The significance of clear communication in setting expectations and providing support. Transforming discipline into a collaborative and constructive process. Positive Outcomes and Accountability: Focus on positive reinforcement and rewarding good behavior. Utilize discipline to nurture growth, build trust, and ensure accountability. Applications Across Contexts: How discipline serves as a coaching and development tool in various settings such as parenting, leadership, and employment. Let's shift the narrative from punishment to empowerment and growth. Learn how adopting this perspective can transform relationships and foster a culture of mutual respect and continuous improvement.

I had the pleasure of sitting down with Gary Arblaster to discuss the importance of financial self-awareness. Gary's perspective on personal finance is truly enlightening—he emphasizes that personal finance is exactly that: personal. According to Gary, everything begins with us. Our perceptions and views of the world significantly influence how we engage with and build our personal wealth. What truly impressed me about Gary is his dedication not only to personal financial growth but also to education. He actively lends his expertise at the collegiate level, focusing on empowering the youth of America with better financial education. Tune in to our latest episode to hear Gary's insights on financial self-awareness and his efforts to educate the next generation on personal finance. You won't want to miss this enlightening conversation! You can connect with Gary in the following ways: https://www.arblasterconsulting.com/about/ https://www.linkedin.com/in/gary-arblaster-jr/ Gary's book: Making Millions, Going Broke. https://www.amazon.com/Making-Millions-Going-Broke-Fifteen/dp/B09T8MW5DW

In this episode, Tessa Arnold opens up about her transformative journey of self-discovery in both life and business. After the heartbreaking loss of her husband, Tessa chose to lean into and grow their business, Snapback Energy. With the mantra "Crush Today, Own Tomorrow," Snapback Energy embodies the philosophy of being fully present while continuously striving for future success. Tessa's gentle nature combined with her fierce determination to promote a healthier and more fulfilling life deeply impressed me. As the CEO and Co-Founder of Snapback Energy and Balance of You, as well as a devoted mother of two, Tessa stands as a shining example of what can be achieved with a heart-centered mission. You can find Tessa below: https://snapbackenergy.com/ https://balanceofyou.com/ https://balanceofyou.com/pages/resources https://www.instagram.com/tess_elizabeth1/?hl=en https://www.linkedin.com/in/tessa-arnold-pmp-b40418129/

This episode delves into the intersection of how our personal beliefs and childhood experiences shape our financial mindset. Shaun Enders and Miriam Castilla discuss the importance of a holistic approach to money, advocating for wealth accumulation as a means to give back and fostering a mindset shift through practical and neuro-linguistic techniques. Key Discussion Points: Money as a Reflection of Beliefs: Exploring how money mirrors our personal beliefs and values. The impact of childhood experiences on financial mindsets. The role of conscious parenting in instilling positive financial beliefs. Practical Approaches and NLP Techniques: Utilizing Neuro-Linguistic Programming (NLP) to achieve financial goals. The power of visualization, intentionality, meditation, and gratitude in shifting mindsets. Challenges for Spiritually-Minded Individuals: Navigating daily practices while maintaining spiritual integrity. Overcoming feelings of unfulfillment despite traditional success. Societal Expectations vs. True Happiness: Examining societal pressures and conventional success metrics. Identifying core values and balancing financial success  Enjoying the journey and not just focusing on external achievements. Advice for Young Entrepreneurs: Trusting one's path and embracing flexibility. Reflecting on past experiences for personal and professional growth. Balancing Present Enjoyment with Future Planning: Financial diversification and the concept of ‘fun money.' Educating children on money management for long-term well-being. Understanding and Changing Money Patterns: Identifying various money habit archetypes. The importance of self-awareness in financial decision-making. Recommended Reading: Introducing “5 Minute Magnetic Money Management System” for practical financial organization tools. Take the Money Archetype Quiz!! https://miriamcastilla.com/quiz/  Connect with Miriam! https://www.linkedin.com/in/miriamcastilla/  www.miriamcastilla.com  https://miriamcastilla.com/pocketguide/  www.BusinessFinanceAndSoul.com 

In this episode, I delve into the unpredictable nature of success. As we navigate our individual paths, it's crucial to recognize that even when you're on the right track, it may not always feel like it. Success is filled with ups and downs, much like the stock market. Some years are down, and some are up, but over the long haul, you can bet on progress. Key Takeaways: The Unpredictable Journey: Success doesn't follow a straight line. Just like the stock market, your journey will have highs and lows. It's essential to stay the course and trust in the long-term progression. Self-Reflection: Take time to explore your life and examine the inflection points that have brought you to where you are today. Both the good and the bad experiences contribute to your unique story. The Tapestry of Life: When you chart out your experiences, you'll see that they come together to form a cohesive and intricate tapestry. Life is messy and exciting, and that's what makes it beautiful. Play Your Own Game: Avoid comparing yourself to others. Everyone faces challenges and is trying to push through. Focus on your own journey and remember that you are capable and strong. Daily Affirmations: Keep reminding yourself of your strength and resilience. You've got this! Success is anything but predictable. As we chart our path, it's important to remember that although you may be on the path to success, it may not feel like you are successful at all. That's because there are ups and downs.  www.BusinessFinanceAndSoul.com  About the host: I am the Founder and CEO of Transition Staffing Group and a commited husband, father and mentor. I created Business, Finance and Soul to create a conversation for the curious.  www.CallTSG.com 

When someone is grappling with a genuine identity crisis, it's crucial to seek appropriate help and guidance. But what about those around us—our friends, family, or even ourselves—who are simply undergoing a natural process of change and growth? The midlife crisis is a familiar concept. Parents who splurge on a two-seater Corvette once the kids move out are often dismissed as reckless. But hold on—maybe they're just embracing a new chapter, harnessing their newfound freedom to propel themselves forward. And what about the recent college graduate who opts to travel the world after just a couple of years in the workforce? Have they gone off the deep end? Today, let's explore the idea that maybe there's no crisis at all. Instead, what we're seeing is the evolution of our own or someone else's life story. www.BusinessFinanceAndSoul.com 

In today's episode, we dive into the fascinating intersection of online personalities, expert advice, and the human tendency to elevate others. With the proliferation of 'experts' on social media, it's crucial to ask: Are these individuals truly experts for your life? What We'll Cover: The Rise of Online Experts: Exploration of how social media has amplified the voices of self-proclaimed experts and the impact this has on our perceptions of success and expertise. The Psychology of Idolization: Discussion on whether there's something innate, possibly genetic, that drives us to quickly elevate others to pedestal status. This includes a look at Dean Hamer's concept of the "God Gene" and its implications for our behavior towards leaders and influencers. Critical Thinking vs. Following Blindly: Why it's vital not to outsource our critical thinking to others, regardless of their success or expertise. We'll discuss the importance of maintaining skepticism and making personalized decisions. Creating Your Own Recipe for Success: How to use the advice of experts as fuel and knowledge, but not as definitive guides. Tips on crafting a success path that respects individual uniqueness and circumstances.   www.BusinessFinanceAndSoul.com     

Today, I want to talk about something personal—how to handle life's tougher moments. We've all been there; you get some bad news, or suddenly, life seems to veer off course. It's happening to me right now, and through my own experiences with these challenging times, I've learned a few vital steps that help me find my way back to steadiness. In this episode, I'll share these strategies, hoping they can also offer you support and guidance when you face adversity. Whether it's recognizing and accepting your feelings, reaching out for support, or taking active steps to regain control, each strategy is a step towards resilience. Join me as we explore these tools together, so the next time life throws a curveball, you'll feel more prepared to catch it. Let's dive in and learn how to bounce back, stronger and more equipped than ever. Acknowledge Your Feelings: It's important to recognize and accept how you're feeling. Whether it's sadness, frustration, or disappointment, acknowledging these emotions is the first step towards managing them. Reach Out for Support: Don't hesitate to lean on friends, family, or professionals for support. Talking things through can provide new perspectives and alleviate some of the burden you might be feeling. Focus on What You Can Control: In difficult times, try to focus on the aspects of your life that you can influence. This can help reduce feelings of helplessness and empower you to make positive changes. Set Small, Achievable Goals: When life feels overwhelming, break down your tasks into smaller, manageable goals. Achieving these can give you a sense of progress and boost your morale. Stay Active and Engage in Self-Care: Physical activity can improve your mood and decrease feelings of anxiety and depression. Additionally, engaging in activities that you enjoy can be a good distraction and help you recharge. Practice Mindfulness and Gratitude: Mindfulness techniques can help you stay present and reduce stress. Keeping a gratitude journal or regularly reflecting on what you are thankful for can shift your focus from what's going wrong to what's going right. Maintain or Review Your Routine: Keeping a regular schedule can provide a sense of normalcy and stability amidst chaos. Try to maintain a routine that includes regular sleep, meals, work, and relaxation.

Why the Rule of 72 is the Secret Weapon in Your Financial Arsenal Ever found yourself wishing for a crystal ball to predict your financial future? What if I told you that you already have something almost as good, and it's hidden in a simple math rule? Welcome to the Rule of 72, the closest thing to a wizard's spell for doubling your money! What is the Rule of 72? Imagine you could find out exactly when your money will double just by using a simple math trick. That's the Rule of 72 for you! Here's the scoop: you take the number 72 and divide it by the interest rate you're expecting to earn. The result is approximately how many years it will take for your initial investment to double. For example, if you invest in something with an 8% return, just divide 72 by 8. Voilà, in about 9 years, your money will have doubled—no magic wand needed! This is why saving your money simply isn't enough. Sure, at today's rate, we are getting a solid 5% return but at 5% it takes 14.4 years to double your money. Imagine the savings rate a couple of years ago at .5%, it would take 144 years! That's crazy! The Magic of Compound Interest Compound interest is the fairy godmother of the finance world. It works quietly in the background, turning your handful of beans into a beanstalk reaching towards financial freedom. Here's a fun exercise, imagine starting with 10k, 20k or even 30k at the age of 25 and averaging a rate of return at 9%. By the age of 65, you will have experienced five cycles to double your money. How much should you expect in your bank account.  The rule of 72 is here to have fun and get creative with. Work backwards and dream a bit.  Enjoy and stay curious!

Bill Bradley once said, Ambition is the path to success. Persistence is the vehicle you arrive in. Well, I just passed the one-year mark for the podcast. March 27th 2023, I made a commitment to show up every week for the next 12 months and you know what, I did it! I am proud of myself, 57 episodes feels amazing! My mission with BFS is to create a conversation and get curious about this game called life. What I have found as a recruiting professional over the course of two decades is that we as humans are so varied and diverse through our experiences in life, yet we share so many of the same fears and aspirations. Maslovs hierarchy is as relevant today as it ever was. Physiological, safety, love and belonging, esteem, and self-actualization. There will continue to be change and evolution in the world through technological advancements but as humans, our primal needs are absolutely a necessity. Below are some of my favorite topics from the past year, including my first interview. Financial Freedom vs. Retirement https://businessfinanceandsoul.com/episode/financial-freedom-vs-retirement Imposter Syndrome https://businessfinanceandsoul.com/episode/imposter-syndrome Trauma For Good https://businessfinanceandsoul.com/episode/trauma-for-good Eliminating Debt and Financial Freedom with Adam Carroll https://businessfinanceandsoul.com/episode/eliminating-debt-and-financial-freedom-with-adam-carroll   

Today I explore Introverts, Extroverts and Ambiverts as personal monikers.  Knowing who you are and how you draw energy in life is important. Although we may throw these words around, do we truly know ourselves, our family or friends.  For many years I was confused because often I showed up as a bona fide extrovert but often felt drained after big social interactions. It wasn't until I explored deeper my true personality characteristics was I able to align my social interactions with what genuinely excited and inspired me. If you are interested in learning about the Big Five Personality Traits, I have provided an outline below. This is a great place to start! 1.      Openness to Experience: This trait features characteristics such as imagination, creativity, curiosity, and a willingness to try new things. People who score high in openness are often open-minded and adventurous, whereas those who score low may be more traditional and resistant to change. 2.      Conscientiousness: This dimension measures the level of organization, dependability, discipline, and achievement-oriented behaviors. Highly conscientious individuals are reliable and efficient, carefully planning and executing their tasks. On the other end, those with lower scores might be more spontaneous and less detail-oriented. 3.      Extraversion: Extraversion is characterized by sociability, assertiveness, excitement-seeking, and high levels of emotional expressiveness. Extraverts draw energy from being around others, while introverts (those low on the extraversion scale) may find social gatherings draining and prefer more solitary or intimate settings. 4.      Agreeableness: This trait reflects a person's tendency towards altruism, trust, modesty, and cooperativeness. Individuals who score high in agreeableness are typically friendly and compassionate, whereas those who score low may be more competitive or even skeptical of others' intentions. 5.      Neuroticism: Neuroticism measures the tendency toward emotional instability, anxiety, moodiness, and irritability. People with high scores in neuroticism may experience stress and emotional ups and downs more intensely than those with lower scores, who tend to be more emotionally stable and resilient.   Stay curious!

Fred Moskowitz is an author, educator, and thought leader in the field of alternative investments. He is a Fund Manager and Investor, Alternative Investment Expert and Fred teaches others how to build true wealth. Fred's book The Little Green Book of Note Investing, is a guide on how to get started in note investing. Today, we cover a few areas including how Fred started his journey toward Alternative Investments and his view on where the real estate and mortgage market is headed. If you are interested in creating passive income streams, you most certainly want to listen to Fred. www.fredmoskowitz.com  www.giftfromfred.com  Fred's book on Amazon - The Little Green Book of Note Investing  https://www.amazon.com/Little-Green-Book-Note-Investing/dp/0578789981/ref=sr_1_1?crid=1MG6M3W3CTRZT&dib=eyJ2IjoiMSJ9.ujX87jpPPjbTg1IbqZ_rKmmEJGx3csowDyVnNkNVG8n0qBbbpDoNYOAV_uwX8Zr_3avSlA8cWiiV1_GGTS6-HFIcF5JMXiu-Kj94E5uQLotbAFxniYyB0KwY5c2B43TpAaS03c3P8QLoM19u4vwGL6WJ9BwEcEbOr_nk-QTy3iEwElZqPTh3wDw-2jri-NJfo8R5k9G6sSCA6pGi5v8Ecnb7tyQaj96NTjWXbp04xPY.ndvjVo82BuiOnXsgbq5UQZzdGTGyTKRReCPN_nbwL2k&dib_tag=se&keywords=the+little+green+book+of+note+investing&qid=1711397670&sprefix=little+green+book+on+note+%2Caps%2C155&sr=8-1 Learn how to invest in an asset class that is backed by collateral by stepping into the shoes of the lender and becoming the bank! Did you know that you are able to buy and own mortgage notes and be the one receiving the monthly payments, just like a bank does? There has been a myth that only banks and financial institutions are the ones that are able to own notes; however, nothing could be further from the truth. The concept of lending and debt as a business has existed since biblical times. Thankfully, there has never been a better time for individuals to diversify their investments and learn about one of the most powerful asset classes. In the world of mortgage notes, you are investing in something that is backed and protected by physical collateral.If you are ready to learn about the exciting world of investing in mortgage notes, within these pages you will learn: Techniques to analyze and evaluate a note; Risk-management best practices; How to purchase a note and properly manage it during your ownership; Ways to utilize your retirement account as a capital source to purchase notes; How to invest in and evaluate note funds as a passive investor.  Whether you are seeking to learn how to be actively involved in the notes business, or you are an investor who wants to invest passively in a note fund and better understand this amazing asset class, The Little Green Book of Note Investing is your guide to learning how to get started.    

Today, I had a great conversation with Andrew Dewar. Andrew is the co-founder of Five Year You, and he is a serial entrepreneur and certified public accountant (CPA). His dedication to financial freedom led to national recognition when he achieved the remarkable feat of paying off his mortgage in just six years.    Andrew offers more than his financial acumen, however. He's a personal development enthusiast and a resilient soul who has triumphed over numerous obstacles. This has led him to be a passionate advocate for the power of self-improvement.    Andrew's journey has seen him engage in profound inner work to conquer personal traumas, explore various therapeutic approaches, and amass a treasure trove of insights that he now shares with unwavering kindness and vulnerability.   Andrew's story is a testament to the transformative power of self-discovery, growth, and what it truly means to choose happiness.    His experiences have not only equipped him with the knowledge and strength to guide others but also instilled in him a deep sense of empathy for all human beings on their unique paths of self-improvement.   www.FiveYearYou.com    www.BusinessFinanceAndSoul.com         

What is a single point of failure system? By definition it's a single point of failure, that, if it fails, takes down the entire rest of the system too. In both my business and personal life, I think of my failsafe efforts. We are going to talk today about ideas and strategies surrounding these single points of failure in our lives.  I will cover what I consider to be some of the most important areas where strategy and redundancy should meet.  I hope you enjoy! www.BusinessFinanceAndSoul.com 

With the upcoming election cycle, I knew it was going to start happening. News stories trashing every candidate would be on full tilt. I was reminded of an article I read a few years ago from the BBC and I thought it stitched in perfectly in today's topic about information consumption. Listen in and let's talk about how you consume media currently and some stratagies for tomorrow. www.BusinessFinanceAndSoul.com 

Welcome to a bonus episode. Occasionally, I will throw in a bonus episode covering our current state of the economy. Today I am focusing on three areas.  1. Labor Market. The Labor Market has been holding really well. Unemployment is still below 4% nationally and disposable income although cooling is still very much in play. If the labor market softens a bit throughout the year, expect this area to shift because if people have jobs, they spend money, and if they don't, well then they don't.  2. Interest Rates. There is a substantial amount of fixed rate debt and it's estimated that 90% of household debt is fixed rate. So as the fed has been raising interest rates over the last couple of years, there is less sensitivity to these rate hikes because of this fixed rate percentage. Right now, debt service costs are stable. 3. Wealth and real estate. Families are feeling very confident and comfortable with the equity they have gained in the last few years. This does affect spending and sentiment and as we have spoken about, perception is reality.   I am in no way an economist. I am an entrepreneur, an active investor and I enjoy keeping a pulse on the broader domestic market. I enjoy the process of education and exploration and my assessment is for my own entertainment and hopefully I am able to provide entertainment and insight for you.   www.BusinessFinanceAndSoul.com 

 “We always overestimate the change that will occur in the next two years and underestimate the change that will occur in the next ten. Don't let yourself be lulled into inaction.”  Bill Gates. Inaction is the real killer. Waiting for the perfect timing is the killer. There is no perfect time, there is never a window of opportunity that stays open forever. Each day we must be willing to take consistent imperfect action. I often think about where I want my life to go and when you are creating big dreams, small actions don't seem to cut it. It feels like I should be hitting homeruns and all I am really doing is hitting singles. I have come to realize that in my life, that's not how massive gains are attained. It's actually a lot less sexy which in a way is great. It means that I don't have to have this one big idea or plan that needs to be executed all at once. But it does mean that the small sometimes boring steps are the most important steps I can take. www.BusinessFinanceAndSoul.com 

Complacency: the warm embrace of contentment, or a dangerous pitfall on the path to progress? This state of quiet satisfaction can be a double-edged sword. On the one hand, it brings feelings of peace and security, allowing us to enjoy what we have. On the other hand, it can breed stagnation, hindering growth, innovation, and a drive for improvement.   www.BusinessFinanceAndSoul.com   

Welcome to Business, Finance and Soul. Today, we're delving into questions that are profoundly pertinent to our current generation. In this Digital Age, amidst the buzz of artificial intelligence and rapid technological advancements, one lingering inquiry persists: do relationships still hold significance? Are they indispensable to the human experience? Do relationships remain a cornerstone of our existence, or are they evolving in the face of digital connectivity? What repercussions do we face if we opt to isolate ourselves from meaningful connections in an increasingly virtual world? Amidst the shift towards remote work, how can we cultivate and nurture genuine relationships, both personally and professionally? And in the realm of business, as transactions become increasingly digitized, do the age-old principles of fostering client relationships still hold sway? www.BusinessFinanceAndSoul.com   

Delayed gratification has played such a major role in my life. I feel compelled to talk about the impact to my life, and offer some insight into how it can benefit all of us. Today I will discuss the areas of personal growth and self-improvement, financial success, personal health, relationships, and career success. Delayed gratification at its core involves the ability to resist immediate rewards or pleasures in favor of achieving more significant, long-term goals. But what happens if you don't have a long-term goal and you don't fully understand why you delay something in the first place. www.BusinessFinanceAndSoul.com 

You've heard the saying buy low and sell high. If you think about that for a moment, what do you think it means? Prices can't just be high, there must be dips in the market, pullbacks and recessions.  There must be pain before gain. Of course, our rational minds know this, but investing isn't always rational. There's nothing rational about staying the course in the midst of a storm, but a skilled and confident navigator knows better. And that's the point of this podcast, for us to explore the possibility of keeping a steady hand in the face of adversity and know when to fully take advantage of a crisis. How to look for opportunity. It was Churchill who famously said, “Never let a good crisis go to waste." Our conversation today applies to investing, parenting, friendships and family.  www.BusinessFinanceAndSoul.com