Money Conversations with KJ

Is financial success simple but not easy? In this candid conversation, escrow officer Bryan Hearn opens up about his journey from financial struggles to stability while juggling career growth and raising three young daughters with his wife.Bryan's financial education began like many of ours – watching his parents (a saver father and spender mother) rather than through explicit money conversations. His early adulthood followed a familiar pattern: making money, spending freely, and accumulating debt without considering long-term consequences. The wake-up call came when maxed-out credit cards forced him to move back home with his parents – a humbling experience that transformed his relationship with money forever.Marriage proved another turning point. What began as a discussion about a car purchase evolved into deeper conversations about debt, budgeting, and future planning. Together with his wife, Bryan developed a detailed five-year financial plan with clearly defined milestones and contingencies. Their disciplined approach includes monthly budget reviews and adjustments for life's unexpected changes, like having children during the economic uncertainties of the pandemic.Perhaps most inspiring is how Bryan and his wife are passing financial literacy to their young daughters through a creative "treasure box" system where chores earn "money" that can be exchanged for rewards. This early education creates subconscious financial habits that will benefit them throughout life.For listeners at any stage of their financial journey, Bryan's story offers practical wisdom: distinguish between needs and wants, write down your expenses, reassess regularly, and surround yourself with financially responsible people. The path to financial freedom isn't about complicated strategies but rather consistent habits and thoughtful planning.Ready to build a roadmap to your financial promised land? Subscribe for more real-life money conversations that will empower your financial literacy and remind you that you're not alone on this journey.Don't forget to subscribe, like and share it with a friend or two!

Can your money mindset be the key to financial freedom? In today's special episode of Money Conversations with KJ, we promise to unveil the secrets to transforming your financial struggles into successes. Join us as we dissect the reasons why many people find themselves trapped in a relentless cycle of earning and spending without clear goals. From setting specific financial objectives to making your money work for you through investing, we'll guide you on how to break free from living paycheck to paycheck. Inspired by Warren Buffett's wisdom on making money while you sleep, this episode will empower you to take control of your financial destiny.Discover the hidden hours in your week that you can convert into productivity and additional income. We'll walk you through practical exercises designed to maximize your time and discuss the differences between passive and active investing, with a focus on retirement accounts like 401(k)s and Roth IRAs. Learn to overcome the emotional barriers that keep you from engaging with your finances and step towards financial independence. Plus, explore the Money Mastery Institute's free resources to shift your money mindset and learn to invest wisely. Don't miss next week's episode featuring an inspirational guest story on achieving financial freedom!Don't forget to subscribe, like and share it with a friend or two!

What if the financial habits you picked up from your parents are shaping your future more than you realize? Join "Money Conversations with KJ" as we welcome Kim Cooper, a wife, mom, and attorney, who takes us through her compelling journey of navigating financial literacy while raising a family. From the trials of single parenting in the early 80s to the triumphs of equipping her children with financial wisdom, Kim's story underscores the critical importance of staying involved in your children's education and interpreting financial concepts beyond just academic grades.Ever wondered how distinguishing between wants and needs can shape your financial future? This episode dives deep into budgeting and financial discipline, drawing from Kim's early experiences of saving for a car and college. Learn how Kim transformed modest-income jobs into long-term financial stability through meticulous budgeting and clear, actionable goals. Her narratives highlight the lasting benefits of instilling disciplined financial habits early on, offering valuable lessons for parents and young adults alike.Financial literacy isn't just about crunching numbers; it's about open conversations and practical knowledge. We explore how financial behaviors are influenced by our parents, featuring Kim's insights from observing her bookkeeper mom and impulsive dad. Discover the power of responsible credit building during college years and the significant role credit plays in adult life. Finally, we discuss the importance of early financial education, setting clear financial goals, and navigating retirement planning, all peppered with Kim's personal anecdotes and practical advice. Tune in for a wealth of knowledge that can help you improve your financial literacy and stability.Don't forget to subscribe, like and share it with a friend or two!

Ever wondered how someone can rise from the challenges of a large, financially struggling family to a successful corporate career? Our guest Norvell McDonald shares his extraordinary journey that began in the bustling streets of New York City. His story, marked by resilience and determination, is a beacon of hope for anyone aspiring to overcome their starting point. Discover how Norvell's early dreams of escaping poverty led him to master goal-setting and achieve financial security, ultimately shaping his inspiring career and fulfilling retirement.Norvell's narrative takes a touching turn as he recounts the pivotal role mentorship played in his life. Separated into foster homes at 11, he found a guiding light in Bob Griffin, whose support was instrumental in Norvell's academic and athletic success. This mentorship not only provided hope but also directed him towards Northeastern University and a thriving career. Norvell's experience underscores the profound impact of mentorship and the strength of the human spirit, no matter the adversities faced.In this episode, we also cover essential financial topics, offering listeners a practical roadmap to financial literacy. From managing credit card debt to understanding the nuances of retirement planning, Norvell imparts valuable lessons from his own financial mishaps. Learn about the importance of early investment, the differences between various financial philosophies, and why teaching financial literacy to children can set the foundation for future success. This episode is filled with actionable insights and inspiring stories, perfect for anyone aiming to achieve financial stability and success.Don't forget to subscribe, like and share it with a friend or two!

Ever wondered how the subtle art of compound interest can revolutionize your financial destiny? Today's episode, featuring finance guru Aaron Banks, promises to equip you with the insights you need to turn your paycheck into a powerhouse of financial growth. We get personal about money management, sharing stories that shed light on the critical decisions that can lead to prosperity or peril. Our conversation ventures into the realm of young entrepreneurs, like a diligent house cleaner in Las Vegas, whose real-world dilemmas underscore the importance of making smart investment choices to avoid the traps that snare many budding business owners.Debt doesn't have to be a dirty word if you know how to distinguish the good from the bad. Aaron and I dissect how savvy investments, like real estate, can transform what many view as a liability into a strategic asset. Conversely, we dissect the pitfalls of credit card debt, highlighting how it can escalate at an alarming rate. Our discussion isn't just theory; it's a practical guide on leveraging credit cards for cashback rewards and breaking free from living paycheck-to-paycheck. You'll walk away with actionable advice on how to manage your money with finesse and the confidence to use credit cards as tools for gain, not just spending.Lastly, Aaron and I share personal journeys towards financial literacy and discipline, emphasizing the liberation that comes with a debt-free life. We also address the heavyweight champion in the ring of personal finance—protecting your assets. Listeners will come to understand why neglecting this can be as perilous as teetering on the edge of the Grand Canyon. The episode wraps up a comprehensive discussion on the psychological shifts necessary to prioritize needs over wants, driving home the importance of making informed financial decisions that safeguard your future and the well-being of your loved ones.Don't forget to subscribe, like and share it with a friend or two!

Ever been puzzled by the paradox of earning plenty yet still struggling to make ends meet? Aaron Banks joins me, KJ, to unravel this enigma and arm high earners caught in the paycheck-to-paycheck trap with actionable insights. We're not just talking about tightening those purse strings; we're discussing how to merge passion with side hustles, make your mark in job interviews by presenting your unique value, and the fine art of salary negotiation. Get ready to redefine financial success on your own terms and leave the dangerous game of comparison behind.Navigating life's transitions, like welcoming a new family member, while keeping your finances afloat can feel like sailing in stormy seas. That's where our deep dive into advocating for yourself in the workforce comes in, providing you with the compass to steer towards better pay and hours. We also chart the course through the burgeoning online income world, with a critical look at platforms like Free Cash, and offer strategies for managing debt responsibly. Our mission is to propel you towards financial stability with the skills and confidence to make informed decisions.Finally, we plot a course for financial literacy with the introduction of our "Roadmap to Financial Literacy, Workbook." This isn't just another guide; it's your personal finance GPS, assisting you in setting goals, tracking progress, and making life choices that resonate with your values. Whether you're deciding between the city buzz or countryside serenity, renting or buying, or seeking multiple income streams, this episode is your ticket to breaking the paycheck-to-paycheck cycle and embarking on a journey to financial freedom. So set sail with Aaron and me, and let's chart a path to a future where your finances are as robust as your dreams.Don't forget to subscribe, like and share it with a friend or two!

Have you ever wondered why even those with six-figure incomes can feel the money crunch at the end of the month? Join me, KJ, and my insightful sidekick, Mr. Aaron Banks, as we dissect the perplexing trend of affluent Americans tethered to the paycheck to paycheck lifestyle. Our latest episode of Money Conversations walks you through the maze of lifestyle inflation, the subtle pitfalls of 'keeping up with the Joneses,' and why budgeting is not just a practice for those on a tightrope of financial survival. We promise you'll walk away with practical steps to stretch your dollar further, regardless of the size of your paycheck.There's a sweet spot between earning and saving, and we're here to help you find it. Mr. Aaron Banks and I crack open the realities of a $100,000 yearly income, from the bite taxes take out to the monthly dance with expenses that can leave your wallet feeling light. We don't just stop at problems; we serve up solutions, discussing the power of compound interest, strategic budgeting, and the immense psychological rewards of watching your savings blossom. Whether you're aiming for a mortgage down payment or padding your retirement nest egg, we share personal stories and expert advice to keep you motivated on your journey to financial freedom.As the series wraps, we don't gloss over the rough patches. We empathize with the stress of inflation—how a trip to the grocery store can evolve from a pleasure to a pressure point. With an open heart, we reflect on the realities of credit card debt and the emotional toll it takes on American families. Our ongoing Money Talks series is your weekly dose of fiscal wisdom, aiming to arm you with the knowledge to navigate the choppy waters of personal finance. Remember, it's not about how much you earn; it's about how you manage, save, and invest. So, keep us dialed in, and we'll keep the insights coming.Don't forget to subscribe, like and share it with a friend or two!

Unlock the door to financial freedom with our latest episode, where Cathy and I dissect the pervasive myths surrounding the paycheck to paycheck lifestyle in my just released book, "Breaking the Paycheck to Paycheck Cycle." You'll embark on a journey to reshape how you view and handle your money, no matter your income bracket. We tackle the inherited financial beliefs that shape our spending and saving habits, advocating for the creation of new money traditions to sidestep the pitfalls of generational poverty. With my insights, you'll see how a simple budget can act as a personal scoreboard, giving you a clear line of sight to your financial goals and the means to reach them.Embark with us as we demystify the world of savings and investments, revealing how purposeful saving can be a game-changer in your financial playbook. Cathy and I break down the rule of 72 and other investing essentials, turning what can often be an intimidating topic into an approachable strategy for wealth accumulation. You'll learn the power of consistent saving habits and how investing is a crucial step not just for a comfortable retirement but financial empowerment. Our conversation is packed with tangible advice, tools, and quizzes that will equip you to take control of your financial future.Finally, we place the spotlight on the often-overlooked aspect of financial literacy—asset protection. Learn why setting up legal structures and having an estate plan isn't just for the wealthy, but a necessary defense for anyone looking to safeguard their hard-earned assets. We redefine retirement as financial independence, where living off your investments is a reality, not just a distant dream. So, if you're ready to take a leap towards securing your financial independence, let us guide you with expert advice and the opportunity for a personal financial consultation. Tune in and transform the way you think about and manage your money.Don't forget to subscribe, like and share it with a friend or two!

Get ready to fundamentally alter your financial outlook in our latest podcast episode featuring the seasoned real estate investor and agent, Gary Wilson. Engage with us as we journey through Gary's remarkable life experiences, from childhood lessons on the value of money to the development of vital skills such as diligence, self-discipline, and salesmanship. Listen closely as Gary shares how these foundational skills have propelled him into entrepreneurial success, enabling him to control his time and continuously expand his business.Don't miss out, as we tackle the ever-important topic of credit card debt, where we distinguish between good and bad debt. Gary shares a candid look into his experience leveraging debt to make money and cautions against the misuse of credit cards for consumer purchases. We delve into the vital role of mentors in our lives, recounting our experiences and emphasizing the importance of acquiring revenue-generating assets before luxuries. Get in the know as we uncover the perks of assuming VA mortgages and why financial responsibility is key.Before we wrap up, we venture into the critical aspect of imparting financial knowledge to the younger generation and the significance of setting clear goals. For hesitant parents, we share practical advice on broaching money matters with their children, reinforcing the importance of equipping them for future financial success. We debunk the misconception of solely relying on a 401K for retirement and underline the importance of having multiple income streams. As the icing on the cake, we share retirement planning nuggets from Gary, who retired at 40, emphasizing the need to start early, leverage compound interest, and understand the rule of 72. Don't miss this power-packed episode poised to revolutionize your financial future.Don't forget to subscribe, like and share it with a friend or two!

Are you ready to walk the road to financial independence? Come along as we journey with my daughter, Faith, who has been charting her course since she was just 15. We'll reminisce over those early days when she absorbed financial lessons from Jim Rohn videos and sought her first job at Downtown Summerlin Mall. From those humble beginnings to maximizing her Roth IRA and building a robust credit history, Faith's story is a testament to the power of early financial literacy. Her consistent practice of maxing out her Roth IRA has set her on the path to a nest egg of $1.8 million by the time she turns 62. Faith's financial journey has also led her to the world of real estate. She'll share her experience of going from zero to a credit score of 750, and the process of purchasing her first condo. We'll explore the importance of having cash readily available and how down payment assistance programs can be a game-changer. Her success in real estate is a compelling example of how consistent saving, responsible credit card use, and smart investing can lead to financial independence.So, if you're seeking motivation to begin or continue your financial literacy journey, Faith's story is sure to inspire. From early money conversations to building a substantial nest egg and owning a condo, she's turned the lessons of her financial education into tangible results. As we share more inspiring journeys, don't forget to subscribe. Come, let's explore the paths to financial independence together.Don't forget to subscribe, like and share it with a friend or two!

Ever wanted to feel confident about your financial future? Wish you had learned about money management at an earlier age? In our enlightening conversation with Gordy Bustos, we promise to unravel profound insights about financial literacy that will change your perspective.Gordy Bustos, my wife's cousin, has an intriguing story to share about his journey with money. From earning rewards for good grades at age seven to teaching his daughters the power of compound interest, Gordy's experiences are packed with wisdom. He shares the significance of having a goal while saving, the impact of early setup of an IRA on retirement, and the role visualization can play in teaching financial concepts. We even delve into my daughter's milestone of buying her own condo at just 20 years old.But that's not all. We also confront the fear that often accompanies investing, and Gordy helps us navigate through these financial waters. He distinguishes between a financial advisor and coach, emphasizing the benefits of having both. We broach the subject of real estate investing and the value of understanding multiple investment avenues. By the end of our conversation, you'll learn that financial literacy is not just about being frugal, but also about adopting a positive outlook and stress management. So, if you're ready to take control of your financial future, tune in for this enlightening episode!Don't forget to subscribe, like and share it with a friend or two!

In this episode you will hear Henry talk about like most people growing up that his parents did not talk to him about money and he learned to hustle early in life.  For those of you that can remember the MAD Magazine, Henry ordered from an advertisement in the back of the magazine seeds that consisted of vegetables and flowers, so he sold seeds around his neighborhood.  Henry did this so he could make extra money and go to the corner store and get what he wanted.  When Henry was a bit older he went with his Mom to an Art class and learned how to make a Christmas Wreath using garbage bags and then again sold them to his neighbors and that's when he understood the value of money and it is better to trade value for money and not time for money which is what led him to a lifelong career in entrepreneurship.Don't forget to subscribe, like and share it with a friend or two!

In this episode you will hear Carlos talk about his first memory with money and he thinks back to when he was in High School.  When Carlos was younger his first memory with his parents talking about money was always save, save, save...not ever talking about how to use money as a tool.  Thinking back Carlos remembers his parents being spenders and in turn he became a spender as well, when money was made it was spent on items that he wanted.  Carlos remembers his parents having a 401K as a way for them to save.  When Carlos was very young his Dad worked 3 jobs so that his Mom was able to stay home and take care of him and his sister and because of that they hardly saw him.  Carlos knew when he was thinking of getting married that he did not want to work 3 jobs so he had to figure out which path to take and developed a great work ethic.  After Carlos was married and bought his first house he had a neighbor who first started talking to him about money and investing.  The neighbor started inviting Carlos to events, Carlos took out a personal loan and started investing in himself, got a Mentor which changed everything at that point.  Continue listening to Carlos's story and his growth with money and always learning.Don't forget to subscribe, like and share it with a friend or two!

In this episode you will hear Gina talk about her first recollection with money when she was 20 years old when she realized money was something you use to get things you want.  Gina's Mom in the family was a frugal spender and her Dad was a very responsible saver and so Gina followed her Dad's habits with money.  When Gina was 18 she got a bank account, a job and got her first credit card.  At the age of 26 Gina became divorced and a single Mom but with her great work ethic she got a good paying job being a bartender and was able to build her credit and make a life for her and her kids.  Keep listening to hear the rest of Gina's story.Don't forget to subscribe, like and share it with a friend or two!

In this episode you will hear Melva talk about when she was young her parents owned a small store in which they sold a variety of items including fuel in Mexico and she would watch her Mom stash away money to save.  Melva noticed that her parents were different from other parents in the sense that they did not fall into the norm of either having a farm or harvesting the land.  Melva was born here in the United States and when she was 3 years old her parents moved back to Mexico where she grew up.  When Melva was 19 she moved back to the United States and moved to Houston, TX, she then took classes to get her GED so that she could go to college.  Melva wanted to learn and get a degree but was struggling with work, school and not growing up in the U.S. it was hard for her to adapt so when she was 22 she moved back to Mexico where she attended college and received a degree in Industrial Engineering.  This is an interesting story of Melva's life and her journey with money.Don't forget to subscribe, like and share it with a friend or two!

In this episode you will hear Vernon talk about when he was young, his Mom was the one who raised him and his sister and he saw that she was a spender.  Vernon would observe his Mom and others around him so he decided he wanted to be a saver. Vernon liked to save up enough of his lunch money, watch it grow and buy video games.  When Vernon's cousin went to play in the NFL he saw what money advantages could bring you, so he decided that is what he wanted.  When Vernon got his 1st credit card on the college campus his first thought was 'this is free money' because nobody tells you how credit works and how you should use the credit card.  Vernon learned the importance of setting Goals and started writing them down more consistently about 10 years ago but actually started about 20 years ago and that was after he was arrested.  Wanting to improve and transition his life and possibly become a lawyer, Vernon started reading a lot of books about successful people's lives.  Continue listening to Vernon's story, it is a great story.Don't forget to subscribe, like and share it with a friend or two!

In this episode you will hear how Tabitha started her career young.  Tabitha was a Manager in Starbucks and going to college when a customer that owned a Mortgage company came in and asked her if she wanted to be his assistant while she was going to college.  After working for him she decided that she wanted to become a loan officer and eleven years later now she still loves what she is doing.  Tabitha's parents when she was growing up were spenders and when she was 18 she decided to move out and that is when she learned the concept of budgeting her money.  When Tabitha was 16 years old her Mom got her a credit card and her Mom maxed it out on Bills, Tabitha was the one who ended up paying it off because she knew what a big deal having good credit was because it just makes your life financially easier.  Continue listening to Tabitha's journey with money, this is a Great listen!Don't forget to subscribe, like and share it with a friend or two!

In this episode you will hear Joe talk about when he was growing up his Dad had the same job for over 30 years and his Mom had several part time jobs just for extra money.  A group of Joe's friends that he grew up with were the ones who introduced him to learn about money and so they were all self taught.  Joe is currently a Branch Manager for Peterman Lumber and has been with the company for 18 years.  Joe has always had a good work ethic and always wanted to figure out a way to make some money starting at the age of 12.  When Joe was first making money he was spending it as fast as he was making it and racking up credit card debt.  Joe's Grandmother wanted to make sure her grandchildren were on their way, established and homeowners so she gave Joe his downpayment for his first home at the age of 24.  When Joe became a homeowner is when he started thinking more serious about saving and about his finances.  Continue listening to Joe's journey with money, this is a Great listen!Don't forget to subscribe, like and share it with a friend or two!

In this episode you will hear Steve talk about when he was around High School age he discovered his Stepdad was hiding money from his Mom so he would be able to buy things that he wanted.  It didn't sit well with Steve as he knew it wasn't right, so when he later became married it affected him in the sense that he didn't want to keep things from his wife and he wanted to be able to afford things so he wouldn't have to worry about it.  When Steve was young his family owned a gas station but then came the gas shortage of the 1970's and they unfortunately lost the gas station and Steve's family was affected by this financially.  Steve's family lived on a 600 acre farm even though they were not farmers.  For about 3 or 4 years how they got by so they could eat was they fished, hunted, grew food in a garden or bartered with another farmer.  In the Winter time they would trap Muskrat, Mink, Fox and Raccoon, skin them and sell the furs to furrier's so they could have Christmas for the family.  Continue listening to Steve's journey with money, this is a Great listen!Don't forget to subscribe, like and share it with a friend or two!Don't forget to subscribe, like and share it with a friend or two!

In this episode you will hear Norvel talk about how he grew up in New York City and is the 2nd child among 11 children (4 boys, 7 girls) that his parents had.  When Norvel was 5 years old he dreamed of making it big in the World because at that time his family growing up was very poor.  Being poor inspired Norvel to want to be able to have the things that he saw other people had that he was not able to have at that time.  When Norvel was around 11 years old his family was broken up into a couple of Foster homes.  The home/family that Norvel was placed in (the Griffin Family) really changed his life.  When Norvel was in school he would play sports all year round and never missed a season which created his competitiveness.  One day Norvel told Mr Griffin, who worked for IBM, 'One day I am going to take your job' and Mr Griffin replied 'Well Come On' which inspired Norvel.  Norvel decided right then to work hard, making sure he took all the right classes, getting good grades and being able to go to Northeastern University.  Continue listening on the journey and achievement that Norvel created for himself!Don't forget to subscribe, like and share it with a friend or two!Don't forget to subscribe, like and share it with a friend or two!

In this episode you will hear from a previous guest that was on here early on...Harvey.  Harvey has looked in his own personal mirror to discover his own happiness, being honest with what he saw, learned to be consistent with what he was doing and learned from his mistakes or failures with money.  Harvey has self educated himself with money regarding wants vs needs, having patience and looking at all of his options and taking the time to write down his goals.  Harvey learned from his wife to write down an action plan for the next day, check off what he completed and work on the rest of the tasks on the list the following day if something was not completed.  Since learning to write everything down he knows exactly what he is doing, he has more focus and is building his cleaning business.  Continue to listen to what Harvey has done to improve his life in every aspect.Don't forget to subscribe, like and share it with a friend or two!Don't forget to subscribe, like and share it with a friend or two!

In this episode you will hear Tony talk about when he was 15 his parents sat him down to talk to him about money.  Tony was about to go on tour with a major recording artist and he was going to be paid a salary as a musician, his parents would not be with him so they taught him how not to be taken advantage of and to save his money.  Tony learned at that early age how to have discipline and save money.  In order to buy musical equipment that he needed to be able to perform with the well known musicians around him he needed to have focus and discipline.  In his early 20's he realized that he needed to take money more serious but he didn't.  Tony was not educated or informed on what to do with his money so the Tony of today would tell himself to learn as much as you can financially.  Continue to listen to Tony's story as this a great listen!Don't forget to subscribe, like and share it with a friend or two!Don't forget to subscribe, like and share it with a friend or two!

In this episode you will hear Kim talk about how Education is very important in her family, Kim's husband is a Teacher and Kim is a Lawyer.  When Kim was 8 years old her parents divorced and that made money a little tighter when she was growing up.  Kim knew if she wanted to have things and buy a car she would have to get a job, so at the age of 14 she got her first job at a car dealership.  With this job Kim became a good saver as she realized she was saving for a purpose.  Kim had clear written money goals from the beginning and worked hard to achieve them.  Kim's Mom was a bookkeeper so she learned some concepts about money, how to budget and track spending.  Kim's Grandmother is the one who taught her about building credit which was to use it once a month on something you can afford and pay it off before the due date.  This is a great listen that we can all learn something from.

Listen as Dave talks about his Mom's tradition with money being born and raised in Mexico and how that helped Dave, as he was born and raised in Los Angeles.  Dave explains how it affected his mindset with money and also Dave walks you through how he handles credit/debt, utilizing credit cards.  Dave also breaks down how he is teaching his children how to responsibly use credit cards to their benefit and reap the rewards that credit cards can offer.Although Dave's perspective on the handling of credit cards does not align with someone like Dave Ramsey who believes we should not use any credit cards or have any debt, I understand Dave's mindset is not for everyone but using credit cards responsibly can effectively grow credit and wealth.

In this episode you will hear Faith talk about how she learned financial literacy from me (her Dad).  Through Faith's early conversations of financial literacy, at 15 years old, she learned the value of time and how to give value with her time to have higher earnings.  Faith began working at the age of 17, she learned to have great work ethic, create her retirement account (Roth IRA) and save.  Fatih also established her credit on her own, growing it from zero to 720 in 18 months and is continuing to  grow it.  From great work ethic, saving her money, understanding the difference between Wants and Needs, is what allowed her to purchase her first home all on her own.  A truly inspiring story. 

In this episode you will hear Anabel talk about when she was about 9 or 10 years old and she would go to work with her Grandmother at events and flea markets to sell food.  Anabel realized the power of money and that she was then able to go and buy things that she wanted without asking someone else.  Anabel also realized the value of money when she took a $20 bill to school and lost it and learned she really needed to take care of money.  The 2 lessons she learned from her Mom were - 1. Don't spend more money than what you have and 2. Credit Cards are bad....Anabel's Mom did not explain why credit cards were bad.  The only debt that Anabel has is Student Loan Debt, she was able to escape credit card debt when all the other students were racking up their credit cards in college.  Continue listening as Anabel explains her goals with money after the age of 27.

In this episode you will hear Dave talk about when he was very young around age 10 he would make some money helping his Dad in the body shop and he wanted to spend the money he earned.  Dave can remember his parents not ever talking to him about what to do with money as his Dad was a spender and that was what he saw and replicated that as well.  As Dave reached his 30's is when he really started to think about money so he taught his son that he should be saving his money by putting some away every month until he reaches the age of 65 and he will have a nice savings.  Dave has some great advice about investing from his past experiences which is...be careful how you invest, invest in yourself and be in control of your money.  Dave has had a couple of Mentors in his life and when he was about 16 years old is when he came across his first Mentor and he accepted the advice they were giving him.  Dave's advice is if you don't have a Mentor, ask questions, listen to podcasts, search the internet, etc. so you are able to go down the right path.  This is a great listen and lesson!

In this episode you will hear Carlos talk about his first memory with money and he thinks back to when he was in High School.  When Carlos was younger his first memory with his parents talking about money was always save, save, save...not ever talking about how to use money as a tool.  Thinking back Carlos remembers his parents being spenders and in turn he became a spender as well, when money was made it was spent on items that he wanted.  Carlos remembers his parents having a 401K as a way for them to save.  When Carlos was very young his Dad worked 3 jobs so that his Mom was able to stay home and take care of him and his sister and because of that they hardly saw him.  Carlos knew when he was thinking of getting married that he did not want to work 3 jobs so he had to figure out which path to take and developed a great work ethic.  After Carlos was married and bought his first house he had a neighbor who first started talking to him about money and investing.  The neighbor started inviting Carlos to events, Carlos took out a personal loan and started investing in himself, got a Mentor which changed everything at that point.  Continue listening to Carlos's story and his growth with money and always learning.Don't forget to subscribe, like and share it with a friend or two!

In this episode you will hear Ronnie talk about when he was young after his parents divorced his Mom went back to school and accomplished some of her goals that she had set aside.  Ronnie watching both parents learned that if you work hard in life you will achieve what you want.  Ronnie now with his own young kids is teaching them the value of money and you want to have your money work for you and wished someone would have taught him that same lesson.  Ronnie learned at a very young age to have goals and there is sacrifice in making your goals achievable.Ronnie is teaching his young kids to invest their money that they receive to invest in Crypto and people are very curious about that since that is something that they don't even do themselves.  Continue listening how Ronnie learned about how to start building his credit after paying cash for everything until he was the age of 23.  This is a great listen of what Ronnie has shared about his money journey!Don't forget to subscribe, like and share it with a friend or two!

In this episode you will hear Doug talk about his early recollection with money and how he managed it.  As with most people Doug was not taught by anyone what to do with the money he earned and how to spend it and thought the money was never going to go away.  Doug was in the Marine Corp from the time he was 17 years old until the time he was 24 years old and he discovered he wanted to go to school.  Doug figured out how to go to school for Civil Engineering but he was also paying all his bills and not having any money left.  Doug actually figured out how money works just a few years ago and that we all live in a debt society and he was used to working within that without even thinking about it.  Doug realizes that if he would have known what he knows now 40 years ago he would be comfortably retired by now.  Doug started making money when he was 13 years old and has always worked since due to his good work ethic but now what he is doing is realizing the value of money and what money has and he believes that that has changed a lot in our society especially in our recent past.  This is a great listen of what Doug has shared about his money journey!Don't forget to subscribe, like and share it with a friend or two!

In this episode you will hear Jordan talk about when he was 8 years old he discovered you can't spend all the money that you are given.  At age 11 or 12 when Jordan's family moved from England to Canada Jordan's Mom had to start over with her credit and while learning everything new about Canada she also got Jordan and his sisters a secured credit card teaching them how credit works.  Jordan started learning about how to invest when he was just entering college around 17 or 18 years of age with a savings plan that was also Life Insurance.  Jordan then started investing in Real Estate and a Stock Portfolio in 2020.  Jordan's first mentor was his Mom and the next mentor in his life was his Mom's boss who got him interested in real estate in regards to the power of real estate and how to leverage other people's money.  This is a great listen on how Jordan learned to do the right things financially starting at an early age!

In this episode you will hear Brian talk about his journey as a young man being raised by a single father and how his family struggled.  By becoming a Marine he learned structure and discipline.  Brian's journey as an entrepreneur started while being a Marine, although he struggled in and out of multiple businesses he always maintained an educational mindset with money.  Brian now enjoys teaching his children the right path with financial literacy and is enjoying the fruits of his experiences.  Brian learned persistence pays off and failures do not define you.  A truly inspiring story.

In this episode you will hear Cesar talk about his upbringing in Las Vegas starting at the age of 9 after moving from San Diego with his Mom and Stepdad.  Cesar took his primary and college education serious.  Cesar thinks of his Mom as the hardest working person he knows.  His Mom would sell clothes out of the back of her vehicle which then turned in to a business.  Cesar attributes that experience of selling with his Mom and speaking in both English and Spanish to where he learned how to hustle.  Cesar learned how to not be afraid in putting your money to work by reinvesting it from his Mom.  Cesar saved his money so he could buy his own merchandise and set his own price to make a good profit.  This is a great listen about Cesar's early journey with money!

In this episode you will hear Lonny Weissman, Founder of Executive Asset Solutions Group, LLC talk about the importance of setting up a Trust and protecting your Assets!  You will hear Lonny talk about Probate and what happens when your assets go into Probate and what you need to do to avoid having your assets in control of the Courts which can be a very lengthy process.  You will also accumulate costs which include Court costs, Attorney Fees, Administrative Expenses that will add up very quickly.  If any loans, bills, expenses are involved the Courts will pay them first from the amount of any assets, the family is the last to receive anything left.  Also when there is a Probate situation it is public knowledge and anyone can decide to come claim they want a piece of the assets which in turn makes the case drawn out for a longer period of time and the costs also increase.  This is a great listen to make sure you and your loved ones are set up financially with the assets you have accumulated throughout your lifetime.  Please let Lonny know you heard about him on this podcast and give Lonny Weissman a call to make that happen (702) 250-9764

In this episode you will hear Jeff Odom talk about the first jobs he had as a kid, ie: paper boy, construction, fast food and when he worked at a grocery store bagging groceries is when he first learned about business and being an entrepreneur.  Jeff's parents tried teaching him to save his money but he wanted to spend every dime he made.  Jeff started working at his family business when he was 18 which was only supposed to be temporary because he wanted to go to school and learn about marketing or sales but it turned in to him working there 38 years.  When Jeff became a full time employee, Jeff's parents set him up with a retirement account and he started funding it but when he was 25 he took out the $2K that was in there because he did not see the value of the account but later in life realized what a mistake that cost him.  When Jeff was 35 he realized one day that there had to be a way to pay off the debt that had accumulated, he did some research on how money works, how debt works and created a plan on how to pay it off and was able to become debt free in a couple of years.  Continue listening to Jeff's awesome financial journey and how he eventually made it on top.

In this episode you will hear Kevin and Faith talk about online banking (not traditional brick and mortar online banking) and how they work with fees, bill payments, ATM's and that they are safe.  They also talk and breakdown a few of the 50 previous episodes.

In this episode you will hear Kevin and David talk about what is going on currently in the real estate market.  There are people out there that believe that the market in going to crash like it did in 2008.  Kevin and David are here to explain the reasons why that is not going to happen.  In this fast moving market you need to already be pre-qualified.  If you have good credit and not enough money saved there are down payment assistance programs to help you.  If you are looking to move to Las Vegas or if you currently live in Las Vegas or if you know someone who wants to buy and/or sell a property...reach out to me - my wife and I are licensed real estate agents and would love to help you!

In this episode you will hear Rob, who is an Entrepreneur, talk about his goal to help 10 Million people.  It originally started to help 1 Million people but after listening to Grant Cardone who tells you you should 10X everything, so Rob decided he needed to help 10 Million people.  Rob can remember at an early age his red lock box where he would put the money he made while shoveling snow, mowing lawns or doing mulch all for his neighbors.  Rob can remember having the entrepreneurial spirit in him when he was around 14 years old.  Rob's Dad, who was a pilot also was an entrepreneur, he owned a car wash that Rob would work at and so Rob believes that his entire journey working has been to generating something at some point.  Rob says without a doubt his early working shaped his work ethic and he learned to appreciate the money he made.  Rob is a Coach, Speaker and Entrepreneur helping people create growth, impact and thought leadership in their lives.  Check out Rob's website RobCressy.com

In this episode you will hear Eric talk about when he was 12 years old he had a lemonade stand and also had a paper route.  Eric took care of his money because heard from someone if you respect your money it will respect you and at that early age Eric liked the control of him being the one who saw the money go in and go out.  Eric's Mom took him to open up a savings account and later when he was a teen he opened up a checking account.  Eric's Dad taught him to try to be your own Boss but he actually taught himself about money by reading books.  Eric's first job that he received a paycheck was at a burger joint and he made deliveries by skateboard and he had a blast doing that.  With one of his first paychecks he bought himself a better skateboard that felt like a lot money back then.  When Eric was in college he got his first credit card but was not educated on how to use the credit card so he started reading and was able to build his credit and buy his first house when he was 25 years old.  Continue listening about Eric's journey with money, credit cards and what he is doing now.

In this episode you will hear Mariah talk about when she was young, she saw the value of money because she saw her family struggle.  Mariah did not want to ask for things because she knew her parents were not able to provide it for her.  When Mariah was 14 years old she got a job and went on a shopping spree with her first paycheck.  She realized that she should not have spent her money and decided that she would save her money for her first car.  As Mariah became older in her life she has become a saver and has a hard time justifying spending money on material items.  Mariah was 22 years old when she joined the Air Force and was attracted to joining because she liked the stability of getting a paycheck and having the opportunity of having college paid for.  Let's go back a little bit in this interview to when Mariah was 14, she moved in with another family that taught her how to budget her money, buy insurance for her new car and other helpful advice.  This is a great listen and great conversation.

In this episode you will hear Dave talk about when he was very young around age 10 he would make some money helping his Dad in the body shop and he wanted to spend the money he earned.  Dave can remember his parents not ever talking to him about what to do with money as his Dad was a spender and that was what he saw and replicated that as well.  As Dave reached his 30's is when he really started to think about money so he taught his son that he should be saving his money by putting some away every month until he reaches the age of 65 and he will have a nice savings.  Dave has some great advice about investing from his past experiences which is...be careful how you invest, invest in yourself and be in control of your money.  Dave has had a couple of Mentors in his life and when he was about 16 years old is when he came across his first Mentor and he accepted the advice they were giving him.  Dave's advice is if you don't have a Mentor, ask questions, listen to podcasts, search the internet, etc. so you are able to go down the right path.  This is a great listen and lesson!

In this episode you will hear Don talk about when he was 8 years old he would save his money so he could get to the store and buy a toy.  Don would get an allowance for chores around the house and that is where he would save his money from but his parents did not ever talk to him about the value of money.  When Don was 10 years old he wanted a particular kickball and his Dad said he needed to do extra chores around the house, which wasn't that big of a deal to him.  When Don was in his teens he and his brothers would go to the auto shop that his Dad worked at as he was a car painter and learned to help him and then when they became more skilled they received money for their time working there.  Don started saving that money to be able to purchase items he wanted like a stereo he had been eyeing.  Don didn't start learning about saving money for investing until he was in his early 30's when he had a wife and child.  He realized that what he had been doing with his money was wrong and was upset that he was not taught about how to handle money sooner in his life.  Don growing up only saw consumer spending and didn't know there was a difference that you should plan for tomorrow.  Continue listening to Don's journey with money as it relates to a lot of people.

In this episode you will hear Joel talk about her early life and what her parents did or didn't teach her about money.  Joel heard from her Parents that they did not have a lot of money and so they did not have a lot of money for investing for a rainy day or otherwise.  When Joel was younger she would say "I'm going to be rich, no matter what I do" because she knew she didn't want to lack having things.  Joel was raised by her single Mom and Joel wanted to work so she could have things she wanted like, new school clothes, shoes and school supplies.  Continue listening to hear Joel inspiring story.

In this episode you will hear Anabel talk about when she was about 9 or 10 years old and she would go to work with her Grandmother at events and flea markets to sell food.  Anabel realized the power of money and that she was then able to go and buy things that she wanted without asking someone else.  Anabel also realized the value of money when she took a $20 bill to school and lost it and learned she really needed to take care of money.  The 2 lessons she learned from her Mom were - 1. Don't spend more money than what you have and 2. Credit Cards are bad....Anabel's Mom did not explain why credit cards were bad.  The only debt that Anabel has is Student Loan Debt, she was able to escape credit card debt when all the other students were racking up their credit cards in college.  Continue listening as Anabel explains her goals with money after the age of 27.

In this episode you will hear Leon talk about when he was 7 years old going on 8 he would mow lawns and door knock selling candy for extra money to buy things he wanted.  Leon did these things because he noticed what his family did not have.  With the money he would make he would sneak some of it in to his Mom's purse so that it would go towards food or bills...she never said anything.  Leon believes in Karma and believes in helping others succeed in life.  Leon was taught in life from his Mom and other family members...you have to do what you have to survive.  When Leon was 9 years old his family members told him you need to save your money and when his son was born one of the first gifts he received was a piggy bank and his thought was no that is the wrong thing, if anything you need to invest!  Leon realized you can save money and whatever I can do with my life I can do it.  This is such a great lesson for those who believe that investing and saving is what you need to do to set yourself up right!

In this episode you will hear Cheri-Lynn talk about when she was married she did not have to worry about money, she received an allowance from her husband but with her entrepreneurial spirit she wanted more.  Cheri-Lynn decided she wanted to enter the business world with the thought that if she was going to sell something it would have to be something she would want to buy herself.  After Cheri-Lynn's divorce is when she realized she had to do something to start saving for her future, she got a job and that is when her education on financial literacy began.  Cheri-Lynn's son is the one who taught her financial literacy and how to put her money to work.  Cheri-Lynn focused on personal growth, financial literacy and knowing how to have her money work for her.

In this episode you will hear Bruna Moscol talk about how she's originally from Peru.  Bruna's Mom makes the trip to the US as a single Mom with Bruna, age 10 and her brother, age 8.  Living in Peru they were living the Middle class lifestyle but when they arrived in the US they had to start at zero.  Bruna's Mom's first job in the US is at McDonald's in the daytime and would then work at Wendy's at night to provide for her family.  Her Mom met and married a man from Argentina and they started a company that would wash vehicle's.  Bruna learned her work ethic from her Mom who instilled in her children to work hard and to not ever feel sorry for themselves because they were immigrants.  Bruna picked up the investing bug when she was 11 years old, they would go to Goodwill and she would head to the book section, the books only cost 10 cents.  Bruna came across a book called something like the "Ultimate Guide to Investing", she started reading it and it opened her mind to the possibilities of what she could do with her money when she eventually had some.  When she was in her freshman year of High School she started reading another book called "The Teenage Investor" and it got her excited of the possibilities for her future.  This is a great listen on the story of a hard working woman who learned early and who can only go one way and that is up for her future.

In this episode you will hear Andre talk about how he is an Entrepreneur at heart and has been an Entrepreneur since he was a kid.  Andre has a company called Badassery Factory which is a self development company that was developed out of his own personal pain which was anxiety, panic attacks, depression and was suicidal.  Andre's story is truly inspirational on how we can all overcome our demons and come out on the other side a better person, which is why Andre put together Badassery Factory to help and inspire others.  A must listen with great take aways!

In this episode you will hear Mike talk about his upbringing, being born in London, England and raised there until the age of 12.  Mike's family then moved to Ottawa, Canada as his father was an entrepreneur and had a dry cleaning business there.  Mike's father taught him a lot about economic principles and how to save his money when he was in his teens.  With the lessons that were instilled in Mike he had saved up enough money to pay for his entire college when he was 18 years old.  After college Mike went to work for Xerox Canada for 20 years and then was presented with a business opportunity to work in the United States in 2006 with a Mentor that he worked with in Canada.  Mike has always been a goal setter his entire life another lesson he learned from his father.  Mike like a lot of people lost a lot of money in the crash of 2008 so he cashed out  what was left in the market and took that money and purchased his first rental property which he is now building a rental portfolio for his retirement.

In this episode you will hear Travis talk about his journey with work and money.  Travis looking back in his life understands that although he did not receive much financial education from his parents, he did receive some from other family members, friends and mentors.  College was also a learning stepping stone towards learning his financial literacy.  Having a good work ethic and continuing his personal financial literacy, he is now enjoying his life, family and work as he builds his financial future for a solid retirement.  As you hear Travis's story, hopefully it will inspire you to always be active in your financial journey.

In today's episode Mr. Banks will share with you his path to retirement at the age of 55 and how he educated himself to have multiple streams of income.