Podcast appearances and mentions of Adam Carroll

Title: Build a Bigger Life, Not a Bigger Lifestyle: The Real Path to Freedom with Adam Caroll Summary: In this episode of Raise the Bar Radio, guest (Adam Carroll) shares his journey from a traveling professional speaker to building sustainable wealth through passive income strategies. After realizing the limitations of trading time for money, Adam developed The Shred Method, a cashflow reorientation system that minimizes debt interest and frees up capital to build liquidity and invest. By leveraging lines of credit and algorithm-driven cash deployment, individuals can rapidly pay down debts and reallocate savings into passive income streams like real estate syndications, intellectual property, and other alternative investments. Adam stresses that most high-income earners don't have an income problem - they have a liquidity problem tied up in low-access retirement plans and excessive spending. Finally, he expands on his philosophy of "building a bigger life, not a bigger lifestyle," urging professionals to align spending and time with their values to achieve fulfillment and financial freedom within 10 years. Links to Watch and Subscribe:   Bullet Point Highlights: Trading time for money is limiting. Adam shifted from paid speaking gigs to building passive income streams for true freedom. The Shred Method minimizes interest expenses. By using cashflow more efficiently through lines of credit and optimized algorithms, debt is paid down faster, freeing liquidity for investing. Passive income is key to wealth. Adam focuses on real estate syndications, ATM tranches, intellectual property, and digital products to generate consistent, diversified passive cash flow. Most people have a liquidity problem, not an income problem. Money is often locked in 401(k)s or spent wastefully — instead, creating accessible liquidity allows for opportunity-based investing. Building a bigger life requires intentionality. Aligning spending and actions with core values (like family, freedom, growth) leads to fulfillment — not just more stuff. The game becomes fun. Once passive income starts flowing, investing becomes strategic, diversified, and compounding — eventually replacing active income and creating financial independence. Anyone can implement this. While you can DIY, Adam recommends coaching to fast-track understanding and execution of the Shred Method. Transcript: (Seth Bradley) (00:02.094) What's up, Builders? This is Raise the Bar Radio, where we talk about building wealth, raising capital, and all in all, raising the bar in your business and your life. This is the No BS podcast for capital raisers, investors, and entrepreneurs who are serious about scaling their business and living life on their own terms. I'm (Seth Bradley), securities attorney, real estate investor, and entrepreneur, bringing you world-class strategies from the best in the game.   If you're ready to raise more capital, close bigger deals, build a better you and create true financial freedom, you're in the right place. Let's go. Adam, what's going on, brother? Welcome to the show.   Hey Seth, thanks for having me, man. I'm excited about our conversation today.   Yeah, dude, super stoked to have you on today. It's going to be an awesome show, man. Let's dive right in. Tell us a little bit about yourself, your background. Take it back as far as you want to. Yeah.   Well, for the last 15 years or so, almost 20 now, guess, I've been making my living, opening my mouth and just speaking on stages all across the country. Had the opportunity to do a couple of international gigs, which was a blast. And in the midst of all that, making my living as a professional speaker, I realized that if I was very similar to your audience, if I wasn't doing the deal, doing the gig, doing the engagement, I wasn't getting paid.   (Adam Carroll) (01:26.184) And so a mentor of mine said, the goal is not to go to work and get paid. The goal is to go to work and get paid, get paid, get paid, get paid, get paid, get paid, get paid. And so I started figuring out that what I really wanted to do with the messaging that I was delivering was turn it into sort of a mediapreneurship where I was a mediapreneur creating content, but then I'd get paid for the content over and over and over again. And that today looks like I've written a bunch of books.   I've got a documentary that I produced that aired on CNBC. And now we're starting to get into more of a SaaS business, which I'm sure we'll talk about. That's the shred method. But I, you what I do when people ask me, I tell them, I love to educate people about new and different ways of building a bigger life, not a bigger lifestyle. And I would say you and I have that in common, because I know you're doing that on the show.   Yeah, absolutely, man. I gotta ask, how do you become a professional speaker? I bet a lot of people are thinking about that.   The origin story is kind of interesting because I was a clothier at the time in Denver, Colorado. And I was literally going out and meeting with high level executives in their offices, selling them custom made suits and shirts and sport coats and pants and whatnot. And it occurred to me in the middle of a meeting at one point, an appointment with one of my clients that I didn't want to measure in seams for the rest of my life. And I'll keep it PG but   This guy was one of my favorite clients. He was irreverent and funny and wasn't afraid to spend money on clothes. But this particular day, he confided in me that he wasn't wearing any underwear. And I was just like, dude, JP, what? You knew I was coming here today. He's like, I know, I just forgot. I'm sorry. I'm sorry. And I walked out and I went, I don't want to do this anymore. I just don't want to do this. And the company that I worked for is a fairly well known clothier. But   (Adam Carroll) (03:22.55) Every day I would drive around in my car listening to motivational messages. You know, they were on CDs at the time. I'm going to date myself, but I would listen to like Mark Victor Hansen and Jack Canfield and Les Brown and Zig Ziglar. I would listen to all these CDs in my car. And Mark Victor Hansen said on one of the CDs that public speaking is one of the most noble professions because you get to travel the world. You get to change people's lives and you make a lot of money doing it. And I remember thinking.   That's what I want to do. All three of those things rolled into one. And so I reached out to a buddy of mine and said, dude, I don't think I'm in the right job. I need to be doing something else. He said, what do you want to do? And I told him, and you know how the universe kind of works in mysterious ways. He goes, well, Anne, who used to work with us, she works for a company that that's all they do is hire speakers. And so I sent in a tape, I auditioned, I got the gig.   And I was a W2 employee of theirs for about two years and then realized that I was being underpaid for the work I was doing, that I was actually probably one of the top 10 % of speakers on the roster. And then I realized that when you can make anywhere from a thousand to $5,000 an hour doing that, it was a pretty good paying gig if you were out on your own. I took the jump and have been doing it ever since.   Interesting man. I didn't realize that you could have a W-2 as a speaker I thought everybody that was speaking was getting the speakers that were getting paid, you know They were kind of doing it on their own. I don't realize there was kind of a there was a way to do it where there's a company that pays W-2 wages to speakers to speak it events. Yeah, it's interesting   It is interesting because there are companies that will hire you as a speaker to go and it may be sell their product or service. Or in this case, I was working for a company that was a division of monster.com, the job search company. And I was, I was speaking to high school and college students all across the country. And I probably presented to like 200,000 people in, two years time. So it was just a great practice run and a great way to cut my teeth on a very difficult audience. Because.   (Adam Carroll) (05:36.814) I don't know if you've ever been around a freshman in high school or a sophomore in high school, but they're like the most apathetic human beings on the face of earth. They don't want to be there. I could have lit myself on fire and they'd been like, cool, what else you got? And then when I realized that there were speakers like me that were out who basically just said, this is my topic. This is my specialty, if you will. And here's the rate. And the more they spoke and the...   we have a theory that the more you speak, the more you speak. So once you get out, you hang your own shingle and say, I'm a speaker in this topic, people begin to know you as that person. And then word gets around and obviously you have to not suck on stage. That's part of it. But if you're great at keeping audiences attention, and I really studied NLP, neuro-linguistic programming to use the right words, I studied comedians to figure out what was funny and what wasn't, and it just worked.   Over time, I had more more bookings and at the peak of my career, I was doing like 70 or 75 gigs a year.   Wow, wow, that's incredible. Definitely didn't realize that was your background. I remember those folks coming to like the office and selling suits and doing that sort of thing. So that's pretty interesting. I'm sure a lot of listeners out there are familiar with that process as well.   Yeah. Yeah, it was, it was a great, it was a great gig. mean, I met all sorts of really phenomenal business people. And I think for me, it was, it was like confirmation that I had this desire to, to impact people. And my boss at one point, he was like, Hey, these people love you. They want you to come around. They love the discussion and the conversation. They need to buy stuff from you. And, and there was a.   (Seth Bradley) (07:01.639) sorry, go ahead.   (Adam Carroll) (07:26.574) It's kind of a realization for me that I didn't necessarily want to have to sell. wanted people to buy. And speaking makes it real easy to do that.   Hmm. Yeah, makes sense. Let's jump right into it, man. Let's talk about the shred method. A lot of folks will find this very interesting. I know that I do. What is it? And let's just start there. What is it? Tell us a little bit about it.   Yeah, the shred method, first of all, thank you for asking. it's, it's, for me, I don't say this lightly, but nothing has built more wealth for me and my family than following this model. And the reason for it is there are two great expenses that everyone has in life. And I'm sure all of your listeners, be they attorneys, doctors, other professionally degreed folks.   If you're in a W-2 job, you know this to be true. The two greatest expenses we have in life are taxes and the interest expense on debt. Those are the two greatest expenses. And a gentleman that I had met years ago who helped me with tax situations, just a brilliant, brilliant strategist, he said, Adam, if you focus on minimizing your tax liability, that will get you halfway there. And it's very easy to do, buy real estate, have depreciable assets.   you know, make personal expenses, business expenses, etc, etc. But he said, if you can focus on minimizing the interest expense on debt, this is like a video game that you can't lose. And so when I learned about the shred method, and this is known by a variety of different terms, some people call it an Australian mortgage, it's called velocity banking, we've taken those concepts and turbocharged them.   (Adam Carroll) (09:09.474) almost like putting nitrous oxide in a gas tank, you know, in terms of making it go faster. But the shred method is a unique tool and a way of reorienting your cash flow through your household so that it is being used to the most efficient use possible. And to kind of qualify that, Seth, if you were to leave your home in the morning to go to the grocery store, as an example, and you came back home, emptied the car out,   knowing you had to go to post office at like 4 p.m., would you leave your car idling in the driveway all day?   (Adam Carroll) (09:46.284) Nope. No, and why wouldn't you?   Wasteful.   Yeah, wasteful, you'd burn gas, it'd be hard on the engine. It's just inefficient, right? And yet what most people do is they get their income, their income gets deposited into a checking account, and it sits there for days, weeks, months, sometimes years on end. And we never really use it to its highest efficiency. Meanwhile, we might have debts, commercial debts, primary mortgages, might have student loans yet. And all of those are accruing amortized interest.   right? And you might say it's compound interest working against you to a certain extent. But at the very least amortized interest means that the majority of the interest you're paying on that debt is upfront, it's in the first one to five years. And so the shred method teaches people how to take that income that is being super inefficient in an account, and instead begin to apply it through a process that allows you to blast away   the highest interest or highest payment debts that you have, freeing up cash flow, building equity, and ultimately, and this is the key, creating liquidity to go buy passive income properties, if you will, or other passive income plays.   (Seth Bradley) (11:02.058) Interesting. Yeah, and we actually haven't had anyone on the show to speak about this method, whatever nomenclature you might use. So let's go in a little bit more detail. mean, what is the vehicle? What is this flow of money that you're talking about?   So, know, logistically, here's how it works. Money typically would just get deposited into checking. You pay everything out of checking your mortgage, your car loan, your credit cards, living expenses. And the gurus would tell you that anything extra should really go towards savings and investments, right? And for most people, it goes to Costco, Target and Dining Out. That's where it goes. You know, it doesn't stay in the account, doesn't go into savings. If it does, it goes there for a small period of time. I think that most people   don't really have a savings account, they have a put and take account, because they put a little bit in, take a little bit out, put a little bit in, take a lot out. So the way this works is the money instead of being deposited straight to a checking account gets deposited into what we call a shred account. And the shred account could either be a line of credit, or it could be just a side account of money that you have sitting there that has not been accessed in some time. And what we tell our users is that   you really want to have either a line of credit or a shred account that is one and a half to two times what your monthly net take home is. So if you're bringing home 10 grand a month net, then ideally you want either a line of credit or a shred account of 15 to 20 grand. And the magic of this is the money is going to flow into that account. But the shred method is powered by a piece of software that is based on an algorithm that's tracking your income.   your expenses, the interest that you're paying on all your debts, and how much discretionary money you have available at any given point in time. And essentially, we're leveraging that in really short bursts of time against your largest debts, which could be, again, student loans, could be your mortgage, could be commercial properties. And in doing that, what we're doing is we're saving copious amounts of interest, like literally tens to hundreds of thousands of dollars.   (Adam Carroll) (13:11.122) And in the process, we're freeing up a ton of equity. So people that are saying, hey, I'm paycheck to paycheck. It's hard for me to figure out how am I going to invest more money? We're telling them the money is going to come from the equity that you're creating in your properties by paying them down rapidly.   I love that because I can see where this is going to potentially free up some extra cash to invest. A lot of folks out there, including myself back in the day, we got caught up in this thing we call the golden handcuffs where we're just spending everything. Like you said, we're spending it on Target, on eating out, on things that we really don't need. mean, there's a time and place for spending money on having a good time and enjoying your life for sure.   But we just we tend to overdo it as our income grows our expenses grow right along with it And a lot of people that I talked to about investing they're like, you know I don't have fifty thousand dollars to invest in this real estate deal or a hundred thousand dollars in this real estate deal and it's like well Well, why don't you you know make three hundred thousand dollars you why don't you have fifty thousand dollars to invest in this awesome deal? Right or to you know, put aside for your emergency fund. Like why don't you have these things set up?   So, you know, we always have to walk them through, you know, the expenses is the issue. Really, it's what are you spending all this money on? we try to find how they can save on those expenses so that they can invest in these assets that are really going to set them financially free.   No doubt. And I think you hit the nail on the head. If somebody's making, and honestly, I tell people if you're making six figures plus $100,000 plus, and you don't have 10, 20, $50,000 ready to go, there's something fundamentally wrong. And here it is, we're sending too much money to our banker, and it just goes up in smoke. Right? We like to refer to it as the interest to income ratio, which is if you take how much income you make,   (Adam Carroll) (15:11.694) and you back out how much of that income is actually going to pay interest expense, it'll probably blow your mind. If someone's got a multi-six figure home or mortgage that they're paying on, and they've got student loans, and maybe they're driving a $50,000 to $100,000 vehicle with a payment attached to it, you're probably burning 50 to 60 grand a year in interest and not really thinking twice about it. So what this does is it starts to claw back some of the money that you're sending to your banker.   Which by the way, they make plenty of money. They don't need your money. That is the most profitable business out there is banking and lending. mean, literally, Seth, if you drive two miles around your property there, how many banks would you be able to stop at, do you think? Ballpark best guess.   Right, half a dozen.   Easily, right? And they're probably $10 million buildings minimum. Out there, they're even more, right? So, so this is the deal. They're profitable business ventures. And what we have to remember sometimes is we are their compound interest vehicle, right? Us making our payment every single month is what makes the banks all the money. And if we can game that system, if even for 12 to 18 months at the very beginning of our debt,   we can strip away a huge chunk of the interest that we would normally be paying them over the course of a decade or more. To your audience, that's how I'd say this is how you find the extra 50 or 100 grand because you do have it and it should be in the equity of your property and easily accessible as a liquidity tool. It just isn't because you haven't challenged the banking system.   (Seth Bradley) (16:57.073) Yeah. Now, is this something you can set up yourself or is this something that you need an expert to kind of walk you through? I'm sure if you could probably do it either way. It's just like anything else. You want to take the shortcut or not. But yeah, I just like to know your thoughts on that.   You're exactly right. I I could build a deck on my house if I wanted to and had three months to learn how to do it. Anybody can learn how to do this. My question to most people when they say, I do this myself? I'll say, yes, why haven't you? And for that, the investment with us is very minimal, mainly what it is is coaching and being able to help people get the logistics right. Because once they get it, it's very simple.   but there requires a little bit of retraining the brain in terms of how to handle your money and where the cash flow goes, because it's so, it's like so ingrained in us to live in the banker's business model, put money in checking, pay your bills, anything leftover goes over here. And if you look at it critically, the two groups that are really making money using the existing platform are bankers,   and any advisors that are accepting your money and then turning around and doing something with it. A friend of mine used to call it the helper class. So when the helper class has your money, they're making a ton of money, probably more than you are. And that's our goal is to begin to start to pull back some of the money from the helper class to keep it for ourselves to build those massive passive permanent streams of income.   Yeah, yeah, that makes sense. We tend to bash a few of those helper class folks. I mean, they're not all created equal, including some financial advisors and folks like that that, you know, they're okay people, but their interests aren't necessarily aligned with yours.   (Adam Carroll) (18:51.576) That's right. I would agree with that. I don't want to villainize them, but I think that personal finance is personal. The challenge that I have with anyone out there who espouses a certain way, mine included, is it has to be for the right kind of audience, the right avatar. From our perspective, the people that we help out are the ones who do want to break free from the W-2. They want to create massive passive permanent streams of income.   Over time, they'd like to build a bigger life, not a bigger lifestyle. So if someone's chronically overspending, got to have the newest of the new every single time, they may not be a perfect fit with our strategy because the goal is to continually increase your income while either keeping your expenses similar or even trending down over time, which is not to say that you can't expand where you're spending. Your income is increasing exponentially relative to your expenses.   we do that through the model that we're teaching people. So, you if you're a new car every six months or 12 months kind of person may not be a perfect fit. But if you're somebody who's like, hey, the debt's kind of oppressive, I want to get rid of it. And I want to build, you know, massive wealth for future generations, then generally speaking, we're a pretty good fit for for those folks.   Yeah, yeah, that makes a lot of sense. And I feel like there's, there's probably, it's probably a math equation, right? Like we can't necessarily do it on this show because it's, everybody's taking it in by audio for the most part. there's gotta be an algorithm and you could probably, you know, set those expense numbers and interest numbers that you're paying on your mortgage and other debts and what you're going to pay on that through the shred method and kind of see the savings and how you can grow that wealth year over year.   You're exactly right. It is super fluid. So if your income changes, your expenses change, we plug all that data in and hit recalculate and the thing automatically adjusts to whatever your expenses are. So one of the things that I would never fault anyone for is taking awesome vacations or buying a new car, whatever your choice is. Again, we're not going to villainize anyone for living their life.   (Adam Carroll) (21:06.67) But what we can do through shred is to say, hey, if you're going to drop 10 grand on a vacation, it's going to change your payoff by a month or two months or six months, depending on your income and discretionary income. And if someone knows that and they're planning on it, at least they're armed with that information as opposed to, gosh, we shouldn't do this, but we did or should we buy this $50,000 card? Does it make sense? Or 80 or 150 or whatever your number is.   We can show you exactly do it, just know this is what it changes in the process.   Yeah, yeah, I like that because you can just show them this is the impact it's going to have on paper before they do it and then you can make a better decision on whether or not you want to do that or not.   Absolutely. And furthermore, and you'll appreciate this, I know you're of this mindset, you'll get to a point where it's like, if you want the new car, then invest the money in a syndication or another property that puts enough money in your pocket, you can go pay for the car. But let your assets pay for your liabilities. And I think that's the main thing that many people, I'm sure your listeners, certainly folks that we engage with.   They don't have a lot of assets. They work hard, they make good money, but that is the sum total of their income, is active income. And our goal is to increase passive income over time where it supersedes your expenses because at that point you're financially free.   (Seth Bradley) (22:36.758) Right, right. What are some of the passive investments that you're involved in or that you recommend to people once they've implemented this system and they're trying to build those passive income streams?   Yeah, there are a number of them and I keep getting introduced to more and more all the time, Seth. I mentioned that, you know, that I was a mediapreneur and that the goal was to work, do the work and then get paid, get paid, get paid, get paid. So I started looking for other passive income streams. I really do love real estate. I've been invested in real estate for a long time. We divested of personally held real estate about four or five years ago. And   You know, I think I was too early to the party, but I thought the market was peaking and I thought I could get the max amount out of my properties. And I think I did at the time. And then we were introduced to syndications and we started really appreciating the fact that you could own a piece of a 350 unit apartment complex in South Carolina or Houston, Texas, or some other growing city and get a couple things, either monthly or quarterly income. You could get bonus depreciation.   And you basically got a K1 at the end of the year, which allows you to claim some of those expenses. And so we love syndications. We try and stack syndications on top of each other. they're coming due. They're selling every three or four or five years. So we'll put an amount of capital in knowing that it's going to turn over in short order. And we'll have another amount of capital to put in. And generally speaking, that capital amount just keeps going up.   So we love syndications. I've been introduced and we haven't pulled the trigger yet, but on ATM tranches where you can buy, have you heard this investment? Yep. So you can buy, you know, an amount of ATM machines where you're basically compensated on whatever the fee revenue on those are. There are many advantages to those. There are some drawbacks to it, but it's again, a passive income stream and one that's fairly consistent.   (Seth Bradley) (24:25.798) yeah, for sure.   (Adam Carroll) (24:44.59) Then I really like intellectual property plays. I will tend to invest in a business that has some IP and it may not cashflow right away, but I know that in two or three years, the IP is probably going to be worth something. It's more of a long-term play for me. I'm not going to put as much in it, but we have a couple of 25 to $50,000 investments in those kinds of deals as well. That, in addition to books and   documentary is still selling and things like that I'll keep doing. For me, the process of creating passive income is kind of a game. And so whatever the next thing is, I'm digging in, I want to learn it. total sidebar, but I'm trying to teach my sons and my daughter, this is the way of the future. It's not about working a nine to five and getting W2 and staying with the company for 30 years, it just doesn't happen anymore. It's about setting up   just perpetual income streams that allow you to live the way you want to live. And that, you know, I think that answers your question, hopefully.   (Seth Bradley) (25:52.174) Pardon the interruption, but we don't do ads. Instead, know that if you're raising capital for real estate, my law firm, RaiseLaw, is here to give you the expert legal guidance you need to raise capital compliantly and structure and close your deal. And if you're looking for a done-for-you fund-to-fund solution, Tribest is the industry's only all-in-one setup and fund administration solution. Visit Raise.Law and Tribest.com to learn more.   Yeah, yeah, that's right. You're preaching to the choir here, man. That's awesome. And you're kind of pretty deep into it. A lot of people will invest in a syndication and it is expensive to get involved, right? I mean, it's 50 grand or so or more to get into one of these things. And they're like, okay, I'm done. But you can't be done. You have to keep saving, keep investing. And you're in it to the point where past investors start really start accumulating wealth because they start stacking.   They start coming due every two, three, four, five years. You put it back in another one and they just compound on each other. And you're really accumulating this tax free if you stack them correctly. So it is an incredible vehicle once you get going. And it does turn into a game. I mean, you can look at your bank account or look at your personal P &L and just see how it's growing over five, 10 years. It's incredible. And you're not doing any work. You're vetting the sponsor, the market and the deal and really just the sponsor once you get really good at it.   and you keep reinvesting with the same sponsors that you like and there's no work involved, no tenants, toilets and trash, none of that.   Yes. Yes. And I think you hit the nail on the head when you find a sponsor you really like and you jive with, it's easy to roll the money over to them because they're constantly looking for the next deal. their reputation, their personality, everything is based on their success. they have a very, very vested interest to make you money. And so I don't think I fully realized when I was younger   (Adam Carroll) (27:50.35) the power of having the ability to write a 50 or $100,000 check. And once you get there and you can do 50 or 100 or get to a point where you can write a $500,000 or a million dollar check, things change drastically because there are syndicators out there that will take a million bucks. They'll pay you $90,000 a year guaranteed on the investment. You'll get bonus depreciation and write-offs and all of that. And you'll have like a...   200 % return on it within four or five years, three, four or five years. That's where you can buy a new car every year or two or three, because you need like a $75,000 or $80,000 write-off to your business. So you need a truck or you need a heavy vehicle,   Yeah, yeah, that's right. I mean, that's a good point. mean, people that have $500,000, a million dollars or more liquid, I mean, you can just look at a simple math and you get an 8 to 10 % return on that in cash flow, just in cash flow. You know, if you're living reasonably, you can live off of that. So, yeah, so you can be, you you don't need $10 million, $20 million to retire off of this if you invest in the right deals.   Totally. Totally.   (Seth Bradley) (29:03.926) and kind of spread it across, diversify in different deals, different sponsors, different geographies, different asset types. You can be retired if you want to. It's closer than people think.   I would agree. We have a theory that nearly everyone and certainly your audience could be free, done, done completely in 10 years or less. Absolutely. We call it a 10-year freedom plan. the challenge, think, Seth, and I would be curious your take on this, but I think the challenge for most people is not necessarily an income problem. It's a liquidity problem. So you make good income, right? And we talked about it. It's the expenses that factors in.   But where the majority of your investments go are probably in qualified funds. They're sitting in 401ks and Roth IRAs. Unless it's self-directed, you can't really access it till you're 59 and a half. And even then it's 59 and a half to 70 and a half, you have free rein access. Otherwise the government's regulating how much you take out without fees or penalties. That's a liquidity problem. And so the shred method takes that into account and starts to build   pockets or buckets of liquidity that you can draw from. The first is your home equity, or it could be equity in a commercial property. And then the next would be building a bank of money that you're borrowing from at some point in time, just another bucket. And the more buckets of money that we create, the more liquidity you have and the more investments you can get into, thereby increasing your passive income. So to your point, you do this well, it's like a video game you can't lose over time.   Yeah, yeah, that's right. And we've been programmed to think if we have a high paying job, we just put as much as we can into a 401k and we're doing the right thing and we're doing everything that we need to do and we're not and then everything that doesn't go into that 401k we're spending. So we're not saving anything else. We're not keeping anything else liquid. And we're just assuming that we're going to be okay because we put this money in the 401k. Well, like you said, you can't access it until you're 60 years old. That's right. Unless you take it out with a major penalty. So   (Seth Bradley) (31:10.062) You know, one way to do that obviously is to roll it over in an SDIRA or self-directed, I'm sorry, 401k, the self-directed, something that you have some control over. And then it does become liquid in the sense that you can at least invest it in things that you want to invest in rather than a financial advisor or just stocks, bonds and mutual funds. And then as you said, there's different ways that you can free up liquidity, a HELOC.   something like that borrow against a life insurance policy we've talked about infinite banking policies things like that there's there's creative ways to do it you just need to be aware of it most people just aren't aware of how to how to do that   Yeah, I think that's what's so valuable about your show too, man, is that we only know what we know. And there's an enormous amount that we don't know we don't know. So when I got introduced to syndications, and I got introduced to the ATM tranches, and I'm looking at these going, you know, there is risk, there's risk in everything. But the risk is so mitigated. And you don't realize that if you're writing $100,000 check, and they're saying, yeah, we're going to pay you 9 % guaranteed.   And these are some syndicators will promise an interest rate based on what class of investor you are, A, B, C, D, whatever it may be. But when I looked at that and I go, if I'm striving to get eight to 10 % in the S &P 500, and I have zero control over that, where would I rather be placing my money? That was something I didn't know I didn't know. And it's always fascinating to me to begin sharing this with people because   When I share the shred method, a lot of folks go, not too good to be true. If it's so good, why isn't everybody doing it? And what I'll tell them is because of human behavior and because the bank's lobbies and their marketing engine is so powerful. But it's not magic, it's math. We're taking mathematical principles, risk-based principles and applying it to real estate or finance and figuring out how to make an amount of money that will supersede what you're.   (Adam Carroll) (33:13.782) your W2 job is pretty simple. That's right. Yeah.   Yeah, pretty simple. It's math. Just got to get it down on paper, right? Yeah. All right. Let's switch gears a little bit. I want to quickly get into, you know, this concept that you preach about building a bigger life at work because I think that's, you know, inspiring and that sort of thing and really life in general, right? Tell us about that concept and kind of dive in a little bit.   Yeah.   (Adam Carroll) (33:37.964) Yeah, you know, this started, it would actually started from a conversation I had with a recent college graduate, and they had gotten an advanced degree, they were going into a high paying job. And I think they'd been at it for maybe nine months or so. And we were having coffee and this person said to me, I'm just not satisfied. And I said, Well, what what is it you're not satisfied with? And they said, Well, the issue is that I thought at this point in time after graduating, he'd be traveling the globe.   You know, that was what he had always romanticized was just tons of travel and do whatever he wanted to do. And I said, well, what's keeping you from that? And he goes, well, you know, I just got into this long-term lease apartment. go, okay. And he said, and I bought a bunch of furniture that I financed. And, and then it's like, okay. He goes, I have a couple of gym memberships, not one, two gym memberships, you know, each probably 80 to 120 bucks a piece a month had a car payment because he needed a fancy car. And I said,   Dude, it sounds to me like you're building a bigger lifestyle, not a bigger life. And what you're asking for is a bigger life. And that became almost a deep dive search for me on what would building a bigger life mean for me and my family. And what I did, Seth, was I started digging into what are my core values? How can I live according to those core values, not according to my neighbor's core values, you who may be drastically different than mine? And...   I ended up writing a book called The Build a Bigger Life Manifesto, which breaks down how do you do this step by step. And there are 10 core tenets. And the first one is you got to build on a strong values foundation, like understanding what is it truly you value in life. And if you're doing more of that, then your life should be fulfilling. And mine are family, freedom, love, growth, and connection. And if I'm fulfilling those five buckets on a weekly basis, generally speaking, I'm really fulfilled.   And so the second is have a bigger vision and a bigger vision for your life might mean I'm not going to stay in this job for the next 20 years and hopefully make partner. then hopefully, because we all know that as you get promoted in a W-2 job, it doesn't mean you work less. It means you work more. And so my bigger vision was I want to make my vocation, my vacation. I'm going to speak, but I'm going to speak in cool places that I can take my family to. People are going to pay me really well to do it.   (Adam Carroll) (36:03.368) and I'm going to do it X number of times a year. And then I started asking, and this is the third step, asking bigger questions. And bigger questions look like, okay, so if I wanted to do that, how would I get better at speaking? How would I get so good that people will pay me 10 or 15 or 20 grand to go do what I do for an hour? What would that look like? I started asking not how would I pay my house off early? How would I pay my house off by the end of this year?   And when I asked that question, answers started coming and we were able to do it. So this is kind of the layout of how we walk people through this process. And for me, a bigger life today is just that, you know, I live for my family. I want to travel with them. I want to have tons of fun with them while they're still in the house. I have two teenagers and one in college. And soon, you know, eventually they'll be gone and it'll be my wife and I going and living the life that we most want.   Our lifestyle right now is pretty locked in. We have a beautiful home, we drive nice cars, but everything's paid for. And at this point, the goal is just to continually create massive passive permanent streams of income that afford us the ability to be generous, to live the life we want. And ultimately for me to be able to go share that message with other people.   And something so simple that you did there, it's just, you know, ask yourself what's important. A lot of us don't take the time to think about why we're upset, why are we not happy. And a lot of it comes down to not filling those buckets that are important to us on a regular basis. to be able to figure that out, you've got to take a few moments to think deeply about what it is that's important to you.   100%. And I'll give you a great example, Seth. One guy that we worked with, he realized that one of his core values that was not being fulfilled was adventure. So he loved his job and he goes, I don't know what it is, I'm just dissatisfied. And we went through the values assessment and adventure was on there. I go, well, where are you getting adventure? And he said, you know, that's the problem. I'm not, I haven't had an adventure in two years. I said, so maybe in building your life,   (Adam Carroll) (38:21.538) we need to figure out where are you carving out adventure for yourself or your family to make sure that you're doing it. For him, community was a big part of it. And he was getting some of that in his day-to-day client interactions. But what he really wanted was to build a community of friends that would go do stuff together. And I said, that's on you, man. If you really want that as part of your life, you got to build whatever that looks like.   And what if you combine that and adventure? So you get a whole group of adventure seekers that get together three times a year to go skiing in Aspen or, you know, go skydiving on a weekend or whatever it is. What would that look like to do that? And he lit up and you know, I could do this right now. So to your point, I think we're all very, very close to having a fulfilled life and building a bigger life. But you do have to take time to figure out what does that look like for you.   For sure, for sure. And a lot of the folks listening are attorneys and doctors and they tend to have high suicide rates, all these crazy things, substance abuse. people from the outside looking in think, why? Because you're making all this money. You have this high profession that everybody looks up to and you're not unhappy. And that's why, because those folks...   folks like us, we're just really focused on just that occupation. And that's it. And we don't focus on some of the other things that would fulfill us and make us happy. tons of attorneys I talk to try to get, they're like, how do I start investing as quickly as possible? Make as much money as quickly as possible so I can get out of this job because I hate being an attorney or I hate being a dentist or whatever it is. But really, that might not be the issue. The issue is that you're not filling up those buckets outside of your   career. And if you were to start filling those buckets, start paying more attention to those things, you might not be as unhappy in your career. And you might actually find that you enjoy what you're doing because you're good at it. You worked really hard to get there and you're making a good bit of money doing it.   (Adam Carroll) (40:22.06) No doubt, no doubt. I would add to that, that I think the majority of professions that you just listed, dentists, doctors, lawyers, et cetera, what they really want is they want to maintain professional status, do what they do, they've gone to school, they've learned how to do it. But over time, they want to work less and less, not more and more. And if you're doing what you recommend on the show, and if you're leveraging something like the shred method to create it, you can get to a point where   half or more of your income, ideally all of it, is replaced by passive income. But it requires that you get really focused on working for the right reasons and not filling in the lack of fulfillment or unhappiness with a new car or the next do-dad or spending a fortune on something. Instead, decide, I'm going to go get into an investment this year that will begin the process of creating passive income for me to start building the life that I truly want.   And it is, it's pretty transformational once you figure out how to do it and what the next steps are.   Yeah, it's like the matrix. mean, you start kind of, as soon as you start, it becomes a game, how you said it earlier in the show, and you just start seeing things that you didn't see before. You start being presented with new types of investments and businesses that you can invest in that you never saw before, but they were right under your nose. It does turn into a fun game, a money game.   Yeah, no question. I was at a conference not too long ago and they were calling me Morpheus because I made a reference to the red pill or the blue pill. And they were like, dude, you're Morpheus. I just took the red pill. Now I'm going down the rabbit hole. So beware. Are you ready to take the red pill?   (Seth Bradley) (42:08.374) Love that, love that. All right Adam, before we jump into the freedom four, what's one last golden nugget for our listeners?   A golden nugget for your listeners is that money today is abstract. It's not a concrete thing. Several decades ago, you would be given cash or you'd pay for things in cash. And today, virtually everything is a cashless transaction. And when we're not using cash, it doesn't feel real. If we're using Apple Pay or we're swiping our card or tapping our card,   It doesn't feel real. In fact, there's no pain sensor that triggers when you do that. The opposite is true on Amazon. When you hit one click ship for $47, a pleasure sensor actually is activated because you're in anticipation of that thing coming to you. So we also have to realize that the more money you make, it feels like, well, the more you have to spend. But because money doesn't feel real, you're spending way more than you think you are.   because of the abstract nature of it. So some of that is like reigning back in and understanding these are real dollars that you're putting on a card or swiping on your phone or whatever it may be and deciding is this the best intentional use of this money or could I be using it to build the life that I truly want? And I will add to that Seth that it's very short. There's a short amount of time that it requires you to function just a little bit differently.   order to get there where all the passive income covers your wants. So just like intentionality for the next 12 to 24 months will make a massive difference in your life.   (Seth Bradley) (43:48.502) Yeah, that's all it takes. All right, let's jump into the freedom four. What's the best thing you do to keep your mind and body healthy?   I am part of an exercise group called F3 and it stands for fitness fellowship and faith. There's like 75,000 guys all over the world that do this every morning. And we get up, you know, rain, sun, sleet or hail. I mean, we were working out in like eight degree Fahrenheit weather this winter outside. It's always outside. And I love it. I do it four or five, sometimes six mornings a week. But for me, just getting up the first hour of my day will   will dictate what the rest of my day does. And so my F3 brothers and I, that's the right way for me to get started.   awesome. With all your success what is one limiting belief that you've crushed along the way and how did you get past it?   you know, this is, this is going to sound a bit like an oxymoron statement, but a limiting belief is that, man, there's so much opportunity. And for me, I'm a bright, shiny object guy. for years, my wife was like, just pick one opportunity, please just pick one. And so for me, it's, you know, it's the fact that there is so much I can do limits me because you can really get very, very good at one thing.   (Adam Carroll) (45:08.078) But I'm a big fan of James Clear and the book Atomic Habits. And he'll say that it's hard to get traction when your focus is divided. And so I've been really intentional about zeroing in on my focus and knowing that this is what I'm setting out to do. And it may be for 12 months or 24 months or five years. And I'll reevaluate along the way. But I've got one thing and I'm really focused on that. So that's been a limiting belief I've had to get over.   Awesome. Awesome. What's one actionable step our listeners can do right now to start creating more freedom?   Well, go to the shredmethod.com not to do a self plug, it is. Go watch the masterclass, see what we do and how we do it. If you are already intrigued by this and are wondering like, what should I do with a HELOC or should I have a HELOC? My answer to everyone is everyone should have a HELOC, everyone. If you have equity in your home, why do you not have a line of credit? If for nothing else to have that is an emergency.   of some kind. So point blank, the first thing you ought to do is go access a line of credit, be it a home equity line, a personal line of credit, a P lock, or a B lock, a business line of credit. can also do a cash value line of credit. But I think you got to have one of those because when you understand this method, this process, that's a linchpin to making this work.   Great. How is passive income made your life better?   (Adam Carroll) (46:42.698) you know, I like to call it mailbox money and, man, love mailbox money. When it shows up, I celebrate and I've, I've had a mantra for years that I'm a money magnet, that money comes easily and frequently, that I get more checks in the mail than I do bills. And I just repeat those mantras over and over again. So every time I set up another form of passive income, man, it's just like a win.   that you feel deep down inside. And it doesn't matter, Seth, if it's 50 bucks or 15 bucks or five bucks or 5,000, right? Total sidebar, real quick story, but I was sitting with a buddy of mine at a conference and he kept showing me his phone and he was clearly showing off. But every time he'd pop up his phone, was like another sale was made. And it'd be like $27, $170, $300. And I go...   Dude, how are you doing this?" And he said, I set up these funnels and it's just a little digital product I created and we're doing ads and we're putting all the people towards these ads. And I said, so how many of those do get a month? He goes, I don't somewhere between $9,000 and $10,000 a month is coming in. And I remember feeling giddy for him and giddy about the idea that this could be possible, that you could just do whatever you want to do every day. Go fishing, go surfing, be on a sailboat somewhere and pull up your phone and be like, well, this is cool. just made...   $800. So for me, we have started to build that into what we're doing. I now get alerts on my Apple Watch. It's a Slackbot. So every time a sale is made, it pops up. we went to Mexico over spring break and the vendors on the Mexican beaches, they bless themselves every time they make a sale. And so now when a sale pops up on my Slackbot,   I'm like, all right, I made a sale. This is awesome. So how has it changed my life? I'm more grateful. I sleep well at night. I have peace of mind. And I know that, you know, future generations are going to be taken care of by the wealth that my wife and I are creating.   (Seth Bradley) (48:45.29) I love it, All right, Adam, this has been incredible. We're going to let listeners find out more about you.   Well, you can find out more about me personally at adamcarroll.info. It's two R's, two L's, adamcarroll.info. And again, if you want to check out the Shred Method, we have lots of free resources. So you can go and do a ton of research. We have a savings analysis there that you can plug in your numbers and see how much you could save and how quickly you could be out of debt. All of that is available at theshredmethod.com.   All right, brother. Appreciate your time. Thanks again for coming on the show and we'll to have you on again soon.   Love it, Seth. Keep doing what you do, man. This is super important stuff.   Alright brother, talk soon.   (Seth Bradley) (49:28.578) Thanks for tuning in to Raise the Bar Radio. If you enjoyed today's episode, make sure to subscribe, leave a review, and share it with someone who needs to hear it. Keep pushing, keep building, and keep raising the bar. Until next time, enjoy the journey. Links from the Show and Guest Info and Links: Seth Bradley's Links: https://x.com/sethbradleyesq https://www.youtube.com/@sethbradleyesq www.facebook.com/sethbradleyesq https://www.threads.com/@sethbradleyesq https://www.instagram.com/sethbradleyesq/ https://www.linkedin.com/in/sethbradleyesq/ https://passiveincomeattorney.com/seth-bradley/ https://www.biggerpockets.com/users/sethbradleyesq https://medium.com/@sethbradleyesq https://www.tiktok.com/@sethbradleyesq?lang=en Adam Carroll's Links: https://www.threads.com/@adam.carroll/ https://www.instagram.com/adam.carroll/ https://www.linkedin.com/in/adamcarrollspeaks/ https://www.facebook.com/AdamSpeaks/ https://x.com/adamcarroll https://open.spotify.com/show/1fPEUnWdnbcOcbYdksY1Yi https://www.youtube.com/channel/UCJREGkPP6UwMucJMPvDS8xg

Title: Build a Bigger Life, Not a Bigger Lifestyle: The Real Path to Freedom with Adam Caroll Summary: In this episode of Raise the Bar Radio, guest (Adam Carroll) shares his journey from a traveling professional speaker to building sustainable wealth through passive income strategies. After realizing the limitations of trading time for money, Adam developed The Shred Method, a cashflow reorientation system that minimizes debt interest and frees up capital to build liquidity and invest. By leveraging lines of credit and algorithm-driven cash deployment, individuals can rapidly pay down debts and reallocate savings into passive income streams like real estate syndications, intellectual property, and other alternative investments. Adam stresses that most high-income earners don't have an income problem - they have a liquidity problem tied up in low-access retirement plans and excessive spending. Finally, he expands on his philosophy of "building a bigger life, not a bigger lifestyle," urging professionals to align spending and time with their values to achieve fulfillment and financial freedom within 10 years. Links to Watch and Subscribe:   Bullet Point Highlights: Trading time for money is limiting. Adam shifted from paid speaking gigs to building passive income streams for true freedom. The Shred Method minimizes interest expenses. By using cashflow more efficiently through lines of credit and optimized algorithms, debt is paid down faster, freeing liquidity for investing. Passive income is key to wealth. Adam focuses on real estate syndications, ATM tranches, intellectual property, and digital products to generate consistent, diversified passive cash flow. Most people have a liquidity problem, not an income problem. Money is often locked in 401(k)s or spent wastefully — instead, creating accessible liquidity allows for opportunity-based investing. Building a bigger life requires intentionality. Aligning spending and actions with core values (like family, freedom, growth) leads to fulfillment — not just more stuff. The game becomes fun. Once passive income starts flowing, investing becomes strategic, diversified, and compounding — eventually replacing active income and creating financial independence. Anyone can implement this. While you can DIY, Adam recommends coaching to fast-track understanding and execution of the Shred Method. Transcript: (Seth Bradley) (00:02.094) What's up, Builders? This is Raise the Bar Radio, where we talk about building wealth, raising capital, and all in all, raising the bar in your business and your life. This is the No BS podcast for capital raisers, investors, and entrepreneurs who are serious about scaling their business and living life on their own terms. I'm (Seth Bradley), securities attorney, real estate investor, and entrepreneur, bringing you world-class strategies from the best in the game.   If you're ready to raise more capital, close bigger deals, build a better you and create true financial freedom, you're in the right place. Let's go. Adam, what's going on, brother? Welcome to the show.   Hey Seth, thanks for having me, man. I'm excited about our conversation today.   Yeah, dude, super stoked to have you on today. It's going to be an awesome show, man. Let's dive right in. Tell us a little bit about yourself, your background. Take it back as far as you want to. Yeah.   Well, for the last 15 years or so, almost 20 now, guess, I've been making my living, opening my mouth and just speaking on stages all across the country. Had the opportunity to do a couple of international gigs, which was a blast. And in the midst of all that, making my living as a professional speaker, I realized that if I was very similar to your audience, if I wasn't doing the deal, doing the gig, doing the engagement, I wasn't getting paid.   (Adam Carroll) (01:26.184) And so a mentor of mine said, the goal is not to go to work and get paid. The goal is to go to work and get paid, get paid, get paid, get paid, get paid, get paid, get paid. And so I started figuring out that what I really wanted to do with the messaging that I was delivering was turn it into sort of a mediapreneurship where I was a mediapreneur creating content, but then I'd get paid for the content over and over and over again. And that today looks like I've written a bunch of books.   I've got a documentary that I produced that aired on CNBC. And now we're starting to get into more of a SaaS business, which I'm sure we'll talk about. That's the shred method. But I, you what I do when people ask me, I tell them, I love to educate people about new and different ways of building a bigger life, not a bigger lifestyle. And I would say you and I have that in common, because I know you're doing that on the show.   Yeah, absolutely, man. I gotta ask, how do you become a professional speaker? I bet a lot of people are thinking about that.   The origin story is kind of interesting because I was a clothier at the time in Denver, Colorado. And I was literally going out and meeting with high level executives in their offices, selling them custom made suits and shirts and sport coats and pants and whatnot. And it occurred to me in the middle of a meeting at one point, an appointment with one of my clients that I didn't want to measure in seams for the rest of my life. And I'll keep it PG but   This guy was one of my favorite clients. He was irreverent and funny and wasn't afraid to spend money on clothes. But this particular day, he confided in me that he wasn't wearing any underwear. And I was just like, dude, JP, what? You knew I was coming here today. He's like, I know, I just forgot. I'm sorry. I'm sorry. And I walked out and I went, I don't want to do this anymore. I just don't want to do this. And the company that I worked for is a fairly well known clothier. But   (Adam Carroll) (03:22.55) Every day I would drive around in my car listening to motivational messages. You know, they were on CDs at the time. I'm going to date myself, but I would listen to like Mark Victor Hansen and Jack Canfield and Les Brown and Zig Ziglar. I would listen to all these CDs in my car. And Mark Victor Hansen said on one of the CDs that public speaking is one of the most noble professions because you get to travel the world. You get to change people's lives and you make a lot of money doing it. And I remember thinking.   That's what I want to do. All three of those things rolled into one. And so I reached out to a buddy of mine and said, dude, I don't think I'm in the right job. I need to be doing something else. He said, what do you want to do? And I told him, and you know how the universe kind of works in mysterious ways. He goes, well, Anne, who used to work with us, she works for a company that that's all they do is hire speakers. And so I sent in a tape, I auditioned, I got the gig.   And I was a W2 employee of theirs for about two years and then realized that I was being underpaid for the work I was doing, that I was actually probably one of the top 10 % of speakers on the roster. And then I realized that when you can make anywhere from a thousand to $5,000 an hour doing that, it was a pretty good paying gig if you were out on your own. I took the jump and have been doing it ever since.   Interesting man. I didn't realize that you could have a W-2 as a speaker I thought everybody that was speaking was getting the speakers that were getting paid, you know They were kind of doing it on their own. I don't realize there was kind of a there was a way to do it where there's a company that pays W-2 wages to speakers to speak it events. Yeah, it's interesting   It is interesting because there are companies that will hire you as a speaker to go and it may be sell their product or service. Or in this case, I was working for a company that was a division of monster.com, the job search company. And I was, I was speaking to high school and college students all across the country. And I probably presented to like 200,000 people in, two years time. So it was just a great practice run and a great way to cut my teeth on a very difficult audience. Because.   (Adam Carroll) (05:36.814) I don't know if you've ever been around a freshman in high school or a sophomore in high school, but they're like the most apathetic human beings on the face of earth. They don't want to be there. I could have lit myself on fire and they'd been like, cool, what else you got? And then when I realized that there were speakers like me that were out who basically just said, this is my topic. This is my specialty, if you will. And here's the rate. And the more they spoke and the...   we have a theory that the more you speak, the more you speak. So once you get out, you hang your own shingle and say, I'm a speaker in this topic, people begin to know you as that person. And then word gets around and obviously you have to not suck on stage. That's part of it. But if you're great at keeping audiences attention, and I really studied NLP, neuro-linguistic programming to use the right words, I studied comedians to figure out what was funny and what wasn't, and it just worked.   Over time, I had more more bookings and at the peak of my career, I was doing like 70 or 75 gigs a year.   Wow, wow, that's incredible. Definitely didn't realize that was your background. I remember those folks coming to like the office and selling suits and doing that sort of thing. So that's pretty interesting. I'm sure a lot of listeners out there are familiar with that process as well.   Yeah. Yeah, it was, it was a great, it was a great gig. mean, I met all sorts of really phenomenal business people. And I think for me, it was, it was like confirmation that I had this desire to, to impact people. And my boss at one point, he was like, Hey, these people love you. They want you to come around. They love the discussion and the conversation. They need to buy stuff from you. And, and there was a.   (Seth Bradley) (07:01.639) sorry, go ahead.   (Adam Carroll) (07:26.574) It's kind of a realization for me that I didn't necessarily want to have to sell. wanted people to buy. And speaking makes it real easy to do that.   Hmm. Yeah, makes sense. Let's jump right into it, man. Let's talk about the shred method. A lot of folks will find this very interesting. I know that I do. What is it? And let's just start there. What is it? Tell us a little bit about it.   Yeah, the shred method, first of all, thank you for asking. it's, it's, for me, I don't say this lightly, but nothing has built more wealth for me and my family than following this model. And the reason for it is there are two great expenses that everyone has in life. And I'm sure all of your listeners, be they attorneys, doctors, other professionally degreed folks.   If you're in a W-2 job, you know this to be true. The two greatest expenses we have in life are taxes and the interest expense on debt. Those are the two greatest expenses. And a gentleman that I had met years ago who helped me with tax situations, just a brilliant, brilliant strategist, he said, Adam, if you focus on minimizing your tax liability, that will get you halfway there. And it's very easy to do, buy real estate, have depreciable assets.   you know, make personal expenses, business expenses, etc, etc. But he said, if you can focus on minimizing the interest expense on debt, this is like a video game that you can't lose. And so when I learned about the shred method, and this is known by a variety of different terms, some people call it an Australian mortgage, it's called velocity banking, we've taken those concepts and turbocharged them.   (Adam Carroll) (09:09.474) almost like putting nitrous oxide in a gas tank, you know, in terms of making it go faster. But the shred method is a unique tool and a way of reorienting your cash flow through your household so that it is being used to the most efficient use possible. And to kind of qualify that, Seth, if you were to leave your home in the morning to go to the grocery store, as an example, and you came back home, emptied the car out,   knowing you had to go to post office at like 4 p.m., would you leave your car idling in the driveway all day?   (Adam Carroll) (09:46.284) Nope. No, and why wouldn't you?   Wasteful.   Yeah, wasteful, you'd burn gas, it'd be hard on the engine. It's just inefficient, right? And yet what most people do is they get their income, their income gets deposited into a checking account, and it sits there for days, weeks, months, sometimes years on end. And we never really use it to its highest efficiency. Meanwhile, we might have debts, commercial debts, primary mortgages, might have student loans yet. And all of those are accruing amortized interest.   right? And you might say it's compound interest working against you to a certain extent. But at the very least amortized interest means that the majority of the interest you're paying on that debt is upfront, it's in the first one to five years. And so the shred method teaches people how to take that income that is being super inefficient in an account, and instead begin to apply it through a process that allows you to blast away   the highest interest or highest payment debts that you have, freeing up cash flow, building equity, and ultimately, and this is the key, creating liquidity to go buy passive income properties, if you will, or other passive income plays.   (Seth Bradley) (11:02.058) Interesting. Yeah, and we actually haven't had anyone on the show to speak about this method, whatever nomenclature you might use. So let's go in a little bit more detail. mean, what is the vehicle? What is this flow of money that you're talking about?   So, know, logistically, here's how it works. Money typically would just get deposited into checking. You pay everything out of checking your mortgage, your car loan, your credit cards, living expenses. And the gurus would tell you that anything extra should really go towards savings and investments, right? And for most people, it goes to Costco, Target and Dining Out. That's where it goes. You know, it doesn't stay in the account, doesn't go into savings. If it does, it goes there for a small period of time. I think that most people   don't really have a savings account, they have a put and take account, because they put a little bit in, take a little bit out, put a little bit in, take a lot out. So the way this works is the money instead of being deposited straight to a checking account gets deposited into what we call a shred account. And the shred account could either be a line of credit, or it could be just a side account of money that you have sitting there that has not been accessed in some time. And what we tell our users is that   you really want to have either a line of credit or a shred account that is one and a half to two times what your monthly net take home is. So if you're bringing home 10 grand a month net, then ideally you want either a line of credit or a shred account of 15 to 20 grand. And the magic of this is the money is going to flow into that account. But the shred method is powered by a piece of software that is based on an algorithm that's tracking your income.   your expenses, the interest that you're paying on all your debts, and how much discretionary money you have available at any given point in time. And essentially, we're leveraging that in really short bursts of time against your largest debts, which could be, again, student loans, could be your mortgage, could be commercial properties. And in doing that, what we're doing is we're saving copious amounts of interest, like literally tens to hundreds of thousands of dollars.   (Adam Carroll) (13:11.122) And in the process, we're freeing up a ton of equity. So people that are saying, hey, I'm paycheck to paycheck. It's hard for me to figure out how am I going to invest more money? We're telling them the money is going to come from the equity that you're creating in your properties by paying them down rapidly.   I love that because I can see where this is going to potentially free up some extra cash to invest. A lot of folks out there, including myself back in the day, we got caught up in this thing we call the golden handcuffs where we're just spending everything. Like you said, we're spending it on Target, on eating out, on things that we really don't need. mean, there's a time and place for spending money on having a good time and enjoying your life for sure.   But we just we tend to overdo it as our income grows our expenses grow right along with it And a lot of people that I talked to about investing they're like, you know I don't have fifty thousand dollars to invest in this real estate deal or a hundred thousand dollars in this real estate deal and it's like well Well, why don't you you know make three hundred thousand dollars you why don't you have fifty thousand dollars to invest in this awesome deal? Right or to you know, put aside for your emergency fund. Like why don't you have these things set up?   So, you know, we always have to walk them through, you know, the expenses is the issue. Really, it's what are you spending all this money on? we try to find how they can save on those expenses so that they can invest in these assets that are really going to set them financially free.   No doubt. And I think you hit the nail on the head. If somebody's making, and honestly, I tell people if you're making six figures plus $100,000 plus, and you don't have 10, 20, $50,000 ready to go, there's something fundamentally wrong. And here it is, we're sending too much money to our banker, and it just goes up in smoke. Right? We like to refer to it as the interest to income ratio, which is if you take how much income you make,   (Adam Carroll) (15:11.694) and you back out how much of that income is actually going to pay interest expense, it'll probably blow your mind. If someone's got a multi-six figure home or mortgage that they're paying on, and they've got student loans, and maybe they're driving a $50,000 to $100,000 vehicle with a payment attached to it, you're probably burning 50 to 60 grand a year in interest and not really thinking twice about it. So what this does is it starts to claw back some of the money that you're sending to your banker.   Which by the way, they make plenty of money. They don't need your money. That is the most profitable business out there is banking and lending. mean, literally, Seth, if you drive two miles around your property there, how many banks would you be able to stop at, do you think? Ballpark best guess.   Right, half a dozen.   Easily, right? And they're probably $10 million buildings minimum. Out there, they're even more, right? So, so this is the deal. They're profitable business ventures. And what we have to remember sometimes is we are their compound interest vehicle, right? Us making our payment every single month is what makes the banks all the money. And if we can game that system, if even for 12 to 18 months at the very beginning of our debt,   we can strip away a huge chunk of the interest that we would normally be paying them over the course of a decade or more. To your audience, that's how I'd say this is how you find the extra 50 or 100 grand because you do have it and it should be in the equity of your property and easily accessible as a liquidity tool. It just isn't because you haven't challenged the banking system.   (Seth Bradley) (16:57.073) Yeah. Now, is this something you can set up yourself or is this something that you need an expert to kind of walk you through? I'm sure if you could probably do it either way. It's just like anything else. You want to take the shortcut or not. But yeah, I just like to know your thoughts on that.   You're exactly right. I I could build a deck on my house if I wanted to and had three months to learn how to do it. Anybody can learn how to do this. My question to most people when they say, I do this myself? I'll say, yes, why haven't you? And for that, the investment with us is very minimal, mainly what it is is coaching and being able to help people get the logistics right. Because once they get it, it's very simple.   but there requires a little bit of retraining the brain in terms of how to handle your money and where the cash flow goes, because it's so, it's like so ingrained in us to live in the banker's business model, put money in checking, pay your bills, anything leftover goes over here. And if you look at it critically, the two groups that are really making money using the existing platform are bankers,   and any advisors that are accepting your money and then turning around and doing something with it. A friend of mine used to call it the helper class. So when the helper class has your money, they're making a ton of money, probably more than you are. And that's our goal is to begin to start to pull back some of the money from the helper class to keep it for ourselves to build those massive passive permanent streams of income.   Yeah, yeah, that makes sense. We tend to bash a few of those helper class folks. I mean, they're not all created equal, including some financial advisors and folks like that that, you know, they're okay people, but their interests aren't necessarily aligned with yours.   (Adam Carroll) (18:51.576) That's right. I would agree with that. I don't want to villainize them, but I think that personal finance is personal. The challenge that I have with anyone out there who espouses a certain way, mine included, is it has to be for the right kind of audience, the right avatar. From our perspective, the people that we help out are the ones who do want to break free from the W-2. They want to create massive passive permanent streams of income.   Over time, they'd like to build a bigger life, not a bigger lifestyle. So if someone's chronically overspending, got to have the newest of the new every single time, they may not be a perfect fit with our strategy because the goal is to continually increase your income while either keeping your expenses similar or even trending down over time, which is not to say that you can't expand where you're spending. Your income is increasing exponentially relative to your expenses.   we do that through the model that we're teaching people. So, you if you're a new car every six months or 12 months kind of person may not be a perfect fit. But if you're somebody who's like, hey, the debt's kind of oppressive, I want to get rid of it. And I want to build, you know, massive wealth for future generations, then generally speaking, we're a pretty good fit for for those folks.   Yeah, yeah, that makes a lot of sense. And I feel like there's, there's probably, it's probably a math equation, right? Like we can't necessarily do it on this show because it's, everybody's taking it in by audio for the most part. there's gotta be an algorithm and you could probably, you know, set those expense numbers and interest numbers that you're paying on your mortgage and other debts and what you're going to pay on that through the shred method and kind of see the savings and how you can grow that wealth year over year.   You're exactly right. It is super fluid. So if your income changes, your expenses change, we plug all that data in and hit recalculate and the thing automatically adjusts to whatever your expenses are. So one of the things that I would never fault anyone for is taking awesome vacations or buying a new car, whatever your choice is. Again, we're not going to villainize anyone for living their life.   (Adam Carroll) (21:06.67) But what we can do through shred is to say, hey, if you're going to drop 10 grand on a vacation, it's going to change your payoff by a month or two months or six months, depending on your income and discretionary income. And if someone knows that and they're planning on it, at least they're armed with that information as opposed to, gosh, we shouldn't do this, but we did or should we buy this $50,000 card? Does it make sense? Or 80 or 150 or whatever your number is.   We can show you exactly do it, just know this is what it changes in the process.   Yeah, yeah, I like that because you can just show them this is the impact it's going to have on paper before they do it and then you can make a better decision on whether or not you want to do that or not.   Absolutely. And furthermore, and you'll appreciate this, I know you're of this mindset, you'll get to a point where it's like, if you want the new car, then invest the money in a syndication or another property that puts enough money in your pocket, you can go pay for the car. But let your assets pay for your liabilities. And I think that's the main thing that many people, I'm sure your listeners, certainly folks that we engage with.   They don't have a lot of assets. They work hard, they make good money, but that is the sum total of their income, is active income. And our goal is to increase passive income over time where it supersedes your expenses because at that point you're financially free.   (Seth Bradley) (22:36.758) Right, right. What are some of the passive investments that you're involved in or that you recommend to people once they've implemented this system and they're trying to build those passive income streams?   Yeah, there are a number of them and I keep getting introduced to more and more all the time, Seth. I mentioned that, you know, that I was a mediapreneur and that the goal was to work, do the work and then get paid, get paid, get paid, get paid. So I started looking for other passive income streams. I really do love real estate. I've been invested in real estate for a long time. We divested of personally held real estate about four or five years ago. And   You know, I think I was too early to the party, but I thought the market was peaking and I thought I could get the max amount out of my properties. And I think I did at the time. And then we were introduced to syndications and we started really appreciating the fact that you could own a piece of a 350 unit apartment complex in South Carolina or Houston, Texas, or some other growing city and get a couple things, either monthly or quarterly income. You could get bonus depreciation.   And you basically got a K1 at the end of the year, which allows you to claim some of those expenses. And so we love syndications. We try and stack syndications on top of each other. they're coming due. They're selling every three or four or five years. So we'll put an amount of capital in knowing that it's going to turn over in short order. And we'll have another amount of capital to put in. And generally speaking, that capital amount just keeps going up.   So we love syndications. I've been introduced and we haven't pulled the trigger yet, but on ATM tranches where you can buy, have you heard this investment? Yep. So you can buy, you know, an amount of ATM machines where you're basically compensated on whatever the fee revenue on those are. There are many advantages to those. There are some drawbacks to it, but it's again, a passive income stream and one that's fairly consistent.   (Seth Bradley) (24:25.798) yeah, for sure.   (Adam Carroll) (24:44.59) Then I really like intellectual property plays. I will tend to invest in a business that has some IP and it may not cashflow right away, but I know that in two or three years, the IP is probably going to be worth something. It's more of a long-term play for me. I'm not going to put as much in it, but we have a couple of 25 to $50,000 investments in those kinds of deals as well. That, in addition to books and   documentary is still selling and things like that I'll keep doing. For me, the process of creating passive income is kind of a game. And so whatever the next thing is, I'm digging in, I want to learn it. total sidebar, but I'm trying to teach my sons and my daughter, this is the way of the future. It's not about working a nine to five and getting W2 and staying with the company for 30 years, it just doesn't happen anymore. It's about setting up   just perpetual income streams that allow you to live the way you want to live. And that, you know, I think that answers your question, hopefully.   (Seth Bradley) (25:52.174) Pardon the interruption, but we don't do ads. Instead, know that if you're raising capital for real estate, my law firm, RaiseLaw, is here to give you the expert legal guidance you need to raise capital compliantly and structure and close your deal. And if you're looking for a done-for-you fund-to-fund solution, Tribest is the industry's only all-in-one setup and fund administration solution. Visit Raise.Law and Tribest.com to learn more.   Yeah, yeah, that's right. You're preaching to the choir here, man. That's awesome. And you're kind of pretty deep into it. A lot of people will invest in a syndication and it is expensive to get involved, right? I mean, it's 50 grand or so or more to get into one of these things. And they're like, okay, I'm done. But you can't be done. You have to keep saving, keep investing. And you're in it to the point where past investors start really start accumulating wealth because they start stacking.   They start coming due every two, three, four, five years. You put it back in another one and they just compound on each other. And you're really accumulating this tax free if you stack them correctly. So it is an incredible vehicle once you get going. And it does turn into a game. I mean, you can look at your bank account or look at your personal P &L and just see how it's growing over five, 10 years. It's incredible. And you're not doing any work. You're vetting the sponsor, the market and the deal and really just the sponsor once you get really good at it.   and you keep reinvesting with the same sponsors that you like and there's no work involved, no tenants, toilets and trash, none of that.   Yes. Yes. And I think you hit the nail on the head when you find a sponsor you really like and you jive with, it's easy to roll the money over to them because they're constantly looking for the next deal. their reputation, their personality, everything is based on their success. they have a very, very vested interest to make you money. And so I don't think I fully realized when I was younger   (Adam Carroll) (27:50.35) the power of having the ability to write a 50 or $100,000 check. And once you get there and you can do 50 or 100 or get to a point where you can write a $500,000 or a million dollar check, things change drastically because there are syndicators out there that will take a million bucks. They'll pay you $90,000 a year guaranteed on the investment. You'll get bonus depreciation and write-offs and all of that. And you'll have like a...   200 % return on it within four or five years, three, four or five years. That's where you can buy a new car every year or two or three, because you need like a $75,000 or $80,000 write-off to your business. So you need a truck or you need a heavy vehicle,   Yeah, yeah, that's right. I mean, that's a good point. mean, people that have $500,000, a million dollars or more liquid, I mean, you can just look at a simple math and you get an 8 to 10 % return on that in cash flow, just in cash flow. You know, if you're living reasonably, you can live off of that. So, yeah, so you can be, you you don't need $10 million, $20 million to retire off of this if you invest in the right deals.   Totally. Totally.   (Seth Bradley) (29:03.926) and kind of spread it across, diversify in different deals, different sponsors, different geographies, different asset types. You can be retired if you want to. It's closer than people think.   I would agree. We have a theory that nearly everyone and certainly your audience could be free, done, done completely in 10 years or less. Absolutely. We call it a 10-year freedom plan. the challenge, think, Seth, and I would be curious your take on this, but I think the challenge for most people is not necessarily an income problem. It's a liquidity problem. So you make good income, right? And we talked about it. It's the expenses that factors in.   But where the majority of your investments go are probably in qualified funds. They're sitting in 401ks and Roth IRAs. Unless it's self-directed, you can't really access it till you're 59 and a half. And even then it's 59 and a half to 70 and a half, you have free rein access. Otherwise the government's regulating how much you take out without fees or penalties. That's a liquidity problem. And so the shred method takes that into account and starts to build   pockets or buckets of liquidity that you can draw from. The first is your home equity, or it could be equity in a commercial property. And then the next would be building a bank of money that you're borrowing from at some point in time, just another bucket. And the more buckets of money that we create, the more liquidity you have and the more investments you can get into, thereby increasing your passive income. So to your point, you do this well, it's like a video game you can't lose over time.   Yeah, yeah, that's right. And we've been programmed to think if we have a high paying job, we just put as much as we can into a 401k and we're doing the right thing and we're doing everything that we need to do and we're not and then everything that doesn't go into that 401k we're spending. So we're not saving anything else. We're not keeping anything else liquid. And we're just assuming that we're going to be okay because we put this money in the 401k. Well, like you said, you can't access it until you're 60 years old. That's right. Unless you take it out with a major penalty. So   (Seth Bradley) (31:10.062) You know, one way to do that obviously is to roll it over in an SDIRA or self-directed, I'm sorry, 401k, the self-directed, something that you have some control over. And then it does become liquid in the sense that you can at least invest it in things that you want to invest in rather than a financial advisor or just stocks, bonds and mutual funds. And then as you said, there's different ways that you can free up liquidity, a HELOC.   something like that borrow against a life insurance policy we've talked about infinite banking policies things like that there's there's creative ways to do it you just need to be aware of it most people just aren't aware of how to how to do that   Yeah, I think that's what's so valuable about your show too, man, is that we only know what we know. And there's an enormous amount that we don't know we don't know. So when I got introduced to syndications, and I got introduced to the ATM tranches, and I'm looking at these going, you know, there is risk, there's risk in everything. But the risk is so mitigated. And you don't realize that if you're writing $100,000 check, and they're saying, yeah, we're going to pay you 9 % guaranteed.   And these are some syndicators will promise an interest rate based on what class of investor you are, A, B, C, D, whatever it may be. But when I looked at that and I go, if I'm striving to get eight to 10 % in the S &P 500, and I have zero control over that, where would I rather be placing my money? That was something I didn't know I didn't know. And it's always fascinating to me to begin sharing this with people because   When I share the shred method, a lot of folks go, not too good to be true. If it's so good, why isn't everybody doing it? And what I'll tell them is because of human behavior and because the bank's lobbies and their marketing engine is so powerful. But it's not magic, it's math. We're taking mathematical principles, risk-based principles and applying it to real estate or finance and figuring out how to make an amount of money that will supersede what you're.   (Adam Carroll) (33:13.782) your W2 job is pretty simple. That's right. Yeah.   Yeah, pretty simple. It's math. Just got to get it down on paper, right? Yeah. All right. Let's switch gears a little bit. I want to quickly get into, you know, this concept that you preach about building a bigger life at work because I think that's, you know, inspiring and that sort of thing and really life in general, right? Tell us about that concept and kind of dive in a little bit.   Yeah.   (Adam Carroll) (33:37.964) Yeah, you know, this started, it would actually started from a conversation I had with a recent college graduate, and they had gotten an advanced degree, they were going into a high paying job. And I think they'd been at it for maybe nine months or so. And we were having coffee and this person said to me, I'm just not satisfied. And I said, Well, what what is it you're not satisfied with? And they said, Well, the issue is that I thought at this point in time after graduating, he'd be traveling the globe.   You know, that was what he had always romanticized was just tons of travel and do whatever he wanted to do. And I said, well, what's keeping you from that? And he goes, well, you know, I just got into this long-term lease apartment. go, okay. And he said, and I bought a bunch of furniture that I financed. And, and then it's like, okay. He goes, I have a couple of gym memberships, not one, two gym memberships, you know, each probably 80 to 120 bucks a piece a month had a car payment because he needed a fancy car. And I said,   Dude, it sounds to me like you're building a bigger lifestyle, not a bigger life. And what you're asking for is a bigger life. And that became almost a deep dive search for me on what would building a bigger life mean for me and my family. And what I did, Seth, was I started digging into what are my core values? How can I live according to those core values, not according to my neighbor's core values, you who may be drastically different than mine? And...   I ended up writing a book called The Build a Bigger Life Manifesto, which breaks down how do you do this step by step. And there are 10 core tenets. And the first one is you got to build on a strong values foundation, like understanding what is it truly you value in life. And if you're doing more of that, then your life should be fulfilling. And mine are family, freedom, love, growth, and connection. And if I'm fulfilling those five buckets on a weekly basis, generally speaking, I'm really fulfilled.   And so the second is have a bigger vision and a bigger vision for your life might mean I'm not going to stay in this job for the next 20 years and hopefully make partner. then hopefully, because we all know that as you get promoted in a W-2 job, it doesn't mean you work less. It means you work more. And so my bigger vision was I want to make my vocation, my vacation. I'm going to speak, but I'm going to speak in cool places that I can take my family to. People are going to pay me really well to do it.   (Adam Carroll) (36:03.368) and I'm going to do it X number of times a year. And then I started asking, and this is the third step, asking bigger questions. And bigger questions look like, okay, so if I wanted to do that, how would I get better at speaking? How would I get so good that people will pay me 10 or 15 or 20 grand to go do what I do for an hour? What would that look like? I started asking not how would I pay my house off early? How would I pay my house off by the end of this year?   And when I asked that question, answers started coming and we were able to do it. So this is kind of the layout of how we walk people through this process. And for me, a bigger life today is just that, you know, I live for my family. I want to travel with them. I want to have tons of fun with them while they're still in the house. I have two teenagers and one in college. And soon, you know, eventually they'll be gone and it'll be my wife and I going and living the life that we most want.   Our lifestyle right now is pretty locked in. We have a beautiful home, we drive nice cars, but everything's paid for. And at this point, the goal is just to continually create massive passive permanent streams of income that afford us the ability to be generous, to live the life we want. And ultimately for me to be able to go share that message with other people.   And something so simple that you did there, it's just, you know, ask yourself what's important. A lot of us don't take the time to think about why we're upset, why are we not happy. And a lot of it comes down to not filling those buckets that are important to us on a regular basis. to be able to figure that out, you've got to take a few moments to think deeply about what it is that's important to you.   100%. And I'll give you a great example, Seth. One guy that we worked with, he realized that one of his core values that was not being fulfilled was adventure. So he loved his job and he goes, I don't know what it is, I'm just dissatisfied. And we went through the values assessment and adventure was on there. I go, well, where are you getting adventure? And he said, you know, that's the problem. I'm not, I haven't had an adventure in two years. I said, so maybe in building your life,   (Adam Carroll) (38:21.538) we need to figure out where are you carving out adventure for yourself or your family to make sure that you're doing it. For him, community was a big part of it. And he was getting some of that in his day-to-day client interactions. But what he really wanted was to build a community of friends that would go do stuff together. And I said, that's on you, man. If you really want that as part of your life, you got to build whatever that looks like.   And what if you combine that and adventure? So you get a whole group of adventure seekers that get together three times a year to go skiing in Aspen or, you know, go skydiving on a weekend or whatever it is. What would that look like to do that? And he lit up and you know, I could do this right now. So to your point, I think we're all very, very close to having a fulfilled life and building a bigger life. But you do have to take time to figure out what does that look like for you.   For sure, for sure. And a lot of the folks listening are attorneys and doctors and they tend to have high suicide rates, all these crazy things, substance abuse. people from the outside looking in think, why? Because you're making all this money. You have this high profession that everybody looks up to and you're not unhappy. And that's why, because those folks...   folks like us, we're just really focused on just that occupation. And that's it. And we don't focus on some of the other things that would fulfill us and make us happy. tons of attorneys I talk to try to get, they're like, how do I start investing as quickly as possible? Make as much money as quickly as possible so I can get out of this job because I hate being an attorney or I hate being a dentist or whatever it is. But really, that might not be the issue. The issue is that you're not filling up those buckets outside of your   career. And if you were to start filling those buckets, start paying more attention to those things, you might not be as unhappy in your career. And you might actually find that you enjoy what you're doing because you're good at it. You worked really hard to get there and you're making a good bit of money doing it.   (Adam Carroll) (40:22.06) No doubt, no doubt. I would add to that, that I think the majority of professions that you just listed, dentists, doctors, lawyers, et cetera, what they really want is they want to maintain professional status, do what they do, they've gone to school, they've learned how to do it. But over time, they want to work less and less, not more and more. And if you're doing what you recommend on the show, and if you're leveraging something like the shred method to create it, you can get to a point where   half or more of your income, ideally all of it, is replaced by passive income. But it requires that you get really focused on working for the right reasons and not filling in the lack of fulfillment or unhappiness with a new car or the next do-dad or spending a fortune on something. Instead, decide, I'm going to go get into an investment this year that will begin the process of creating passive income for me to start building the life that I truly want.   And it is, it's pretty transformational once you figure out how to do it and what the next steps are.   Yeah, it's like the matrix. mean, you start kind of, as soon as you start, it becomes a game, how you said it earlier in the show, and you just start seeing things that you didn't see before. You start being presented with new types of investments and businesses that you can invest in that you never saw before, but they were right under your nose. It does turn into a fun game, a money game.   Yeah, no question. I was at a conference not too long ago and they were calling me Morpheus because I made a reference to the red pill or the blue pill. And they were like, dude, you're Morpheus. I just took the red pill. Now I'm going down the rabbit hole. So beware. Are you ready to take the red pill?   (Seth Bradley) (42:08.374) Love that, love that. All right Adam, before we jump into the freedom four, what's one last golden nugget for our listeners?   A golden nugget for your listeners is that money today is abstract. It's not a concrete thing. Several decades ago, you would be given cash or you'd pay for things in cash. And today, virtually everything is a cashless transaction. And when we're not using cash, it doesn't feel real. If we're using Apple Pay or we're swiping our card or tapping our card,   It doesn't feel real. In fact, there's no pain sensor that triggers when you do that. The opposite is true on Amazon. When you hit one click ship for $47, a pleasure sensor actually is activated because you're in anticipation of that thing coming to you. So we also have to realize that the more money you make, it feels like, well, the more you have to spend. But because money doesn't feel real, you're spending way more than you think you are.   because of the abstract nature of it. So some of that is like reigning back in and understanding these are real dollars that you're putting on a card or swiping on your phone or whatever it may be and deciding is this the best intentional use of this money or could I be using it to build the life that I truly want? And I will add to that Seth that it's very short. There's a short amount of time that it requires you to function just a little bit differently.   order to get there where all the passive income covers your wants. So just like intentionality for the next 12 to 24 months will make a massive difference in your life.   (Seth Bradley) (43:48.502) Yeah, that's all it takes. All right, let's jump into the freedom four. What's the best thing you do to keep your mind and body healthy?   I am part of an exercise group called F3 and it stands for fitness fellowship and faith. There's like 75,000 guys all over the world that do this every morning. And we get up, you know, rain, sun, sleet or hail. I mean, we were working out in like eight degree Fahrenheit weather this winter outside. It's always outside. And I love it. I do it four or five, sometimes six mornings a week. But for me, just getting up the first hour of my day will   will dictate what the rest of my day does. And so my F3 brothers and I, that's the right way for me to get started.   awesome. With all your success what is one limiting belief that you've crushed along the way and how did you get past it?   you know, this is, this is going to sound a bit like an oxymoron statement, but a limiting belief is that, man, there's so much opportunity. And for me, I'm a bright, shiny object guy. for years, my wife was like, just pick one opportunity, please just pick one. And so for me, it's, you know, it's the fact that there is so much I can do limits me because you can really get very, very good at one thing.   (Adam Carroll) (45:08.078) But I'm a big fan of James Clear and the book Atomic Habits. And he'll say that it's hard to get traction when your focus is divided. And so I've been really intentional about zeroing in on my focus and knowing that this is what I'm setting out to do. And it may be for 12 months or 24 months or five years. And I'll reevaluate along the way. But I've got one thing and I'm really focused on that. So that's been a limiting belief I've had to get over.   Awesome. Awesome. What's one actionable step our listeners can do right now to start creating more freedom?   Well, go to the shredmethod.com not to do a self plug, it is. Go watch the masterclass, see what we do and how we do it. If you are already intrigued by this and are wondering like, what should I do with a HELOC or should I have a HELOC? My answer to everyone is everyone should have a HELOC, everyone. If you have equity in your home, why do you not have a line of credit? If for nothing else to have that is an emergency.   of some kind. So point blank, the first thing you ought to do is go access a line of credit, be it a home equity line, a personal line of credit, a P lock, or a B lock, a business line of credit. can also do a cash value line of credit. But I think you got to have one of those because when you understand this method, this process, that's a linchpin to making this work.   Great. How is passive income made your life better?   (Adam Carroll) (46:42.698) you know, I like to call it mailbox money and, man, love mailbox money. When it shows up, I celebrate and I've, I've had a mantra for years that I'm a money magnet, that money comes easily and frequently, that I get more checks in the mail than I do bills. And I just repeat those mantras over and over again. So every time I set up another form of passive income, man, it's just like a win.   that you feel deep down inside. And it doesn't matter, Seth, if it's 50 bucks or 15 bucks or five bucks or 5,000, right? Total sidebar, real quick story, but I was sitting with a buddy of mine at a conference and he kept showing me his phone and he was clearly showing off. But every time he'd pop up his phone, was like another sale was made. And it'd be like $27, $170, $300. And I go...   Dude, how are you doing this?" And he said, I set up these funnels and it's just a little digital product I created and we're doing ads and we're putting all the people towards these ads. And I said, so how many of those do get a month? He goes, I don't somewhere between $9,000 and $10,000 a month is coming in. And I remember feeling giddy for him and giddy about the idea that this could be possible, that you could just do whatever you want to do every day. Go fishing, go surfing, be on a sailboat somewhere and pull up your phone and be like, well, this is cool. just made...   $800. So for me, we have started to build that into what we're doing. I now get alerts on my Apple Watch. It's a Slackbot. So every time a sale is made, it pops up. we went to Mexico over spring break and the vendors on the Mexican beaches, they bless themselves every time they make a sale. And so now when a sale pops up on my Slackbot,   I'm like, all right, I made a sale. This is awesome. So how has it changed my life? I'm more grateful. I sleep well at night. I have peace of mind. And I know that, you know, future generations are going to be taken care of by the wealth that my wife and I are creating.   (Seth Bradley) (48:45.29) I love it, All right, Adam, this has been incredible. We're going to let listeners find out more about you.   Well, you can find out more about me personally at adamcarroll.info. It's two R's, two L's, adamcarroll.info. And again, if you want to check out the Shred Method, we have lots of free resources. So you can go and do a ton of research. We have a savings analysis there that you can plug in your numbers and see how much you could save and how quickly you could be out of debt. All of that is available at theshredmethod.com.   All right, brother. Appreciate your time. Thanks again for coming on the show and we'll to have you on again soon.   Love it, Seth. Keep doing what you do, man. This is super important stuff.   Alright brother, talk soon.   (Seth Bradley) (49:28.578) Thanks for tuning in to Raise the Bar Radio. If you enjoyed today's episode, make sure to subscribe, leave a review, and share it with someone who needs to hear it. Keep pushing, keep building, and keep raising the bar. Until next time, enjoy the journey. Links from the Show and Guest Info and Links: Seth Bradley's Links: https://x.com/sethbradleyesq https://www.youtube.com/@sethbradleyesq www.facebook.com/sethbradleyesq https://www.threads.com/@sethbradleyesq https://www.instagram.com/sethbradleyesq/ https://www.linkedin.com/in/sethbradleyesq/ https://passiveincomeattorney.com/seth-bradley/ https://www.biggerpockets.com/users/sethbradleyesq https://medium.com/@sethbradleyesq https://www.tiktok.com/@sethbradleyesq?lang=en Adam Carroll's Links: https://www.threads.com/@adam.carroll/ https://www.instagram.com/adam.carroll/ https://www.linkedin.com/in/adamcarrollspeaks/ https://www.facebook.com/AdamSpeaks/ https://x.com/adamcarroll https://open.spotify.com/show/1fPEUnWdnbcOcbYdksY1Yi https://www.youtube.com/channel/UCJREGkPP6UwMucJMPvDS8xg

So, would you believe it. Today we return to the world of metal on A Year In Horror. Yes! Welcome to the mad minds of American Thrash metal fright fiends Warbringer. Their latest album is entitled 'Wrath And Ruin' and it came out on March 14th on Napalm Records. This is what it's all about. Today we speak with guitarist player Adam Carroll about the band, his history with horror and of course the Japanese head scratcher, House.WARBRINGER // HOUSE // PATREON // LETTERBOXD LINK FOR ALL BAND CONVERSATIONS

#389 In this final episode of our three-part series with financial expert Adam Carroll, we're exploring innovative strategies for achieving financial freedom. Carroll introduces us to his groundbreaking "SHRED method," a system designed to accelerate the payoff of mortgages and high-interest debt using bank systems and home equity lines of credit (HELOC) effectively. He stresses the importance of understanding the energetics and psychology of money, alongside prudent expense management and strategic reduction of major lifetime costs like taxes and debt interest. Throughout the discussion, Carroll shares invaluable tips for wealth creation, tax minimization, and real estate investment. He emphasizes the need for disciplined spending, consistent income, and a willingness to adopt a fresh perspective on money management to succeed with the shred method. Additionally, Carroll dives into the FIRE movement (Financially Independent, Retire Early), offering guidance for individuals at different stages of their financial journey. He highlights the potential to leverage current assets and income to significantly enhance long-term financial stability and freedom. Join us as we conclude this series with a wealth of insights and practical advice for mastering your finances and building a path to lasting prosperity and freedom. (Original Air Date - 4/19/24) What we discuss with Adam: + Diving Deep into Debt, Mortgages, and the Shred Method + The Real Cost of Debt and How to Minimize It + Exploring the Shred Method: A Revolutionary Approach to Debt + Understanding the HELOC Strategy and Its Impact + Exploring Underutilized Financial Strategies + Navigating Estate Settlement and Early Retirement + The Shred Method: A Game-Changer in Debt Management + Embracing the FIRE Movement for Financial Independence + Strategies for a Comfortable Retirement + The Power of the Shred Method in Real-Life Scenarios + Final Thoughts on Financial Health and Wealth Building + Reflecting on the Journey and Future Possibilities Tune in for more with Adam in Parts 1 and 2 of this series! Links and resources from this episode: ⁠The Shred Method⁠ Use code: "MU" at checkout to save $300! Thank you, Adam! Thank you Adam for a value packed episode and for sponsoring the show! Check out ⁠Adam's Full TedX Talk⁠, and if you'd like to connect with him on Linkedin click ⁠here.⁠ For more information go to⁠⁠⁠⁠ MillionaireUniversity.com⁠⁠⁠⁠ To get access to our FREE Business Training course go to ⁠⁠⁠⁠MillionaireUniversity.com/training.⁠⁠⁠⁠ And follow us on: ⁠⁠⁠⁠Instagram⁠⁠⁠⁠ ⁠⁠⁠⁠Facebook⁠⁠⁠⁠ ⁠⁠⁠⁠Tik Tok⁠⁠⁠⁠ ⁠⁠⁠⁠Youtube⁠⁠⁠⁠ ⁠⁠⁠⁠Twitter⁠⁠⁠⁠ To get exclusive offers mentioned in this episode and to support the show, visit ⁠⁠⁠⁠millionaireuniversity.com/sponsors⁠⁠⁠⁠. EXCLUSIVE NordVPN Deal ➼ ⁠⁠⁠⁠https://nordvpn.com/millionaire⁠⁠⁠⁠. Try it risk-free now with a 30-day money-back guarantee! Want to hear from more incredible entrepreneurs? Check out all of our interviews ⁠⁠⁠⁠here⁠⁠⁠⁠! Learn more about your ad choices. Visit megaphone.fm/adchoices

#387 We're back with part two of a three-part series with guest Adam Carroll, focusing on the psychology of money, the energy behind it, and how our beliefs and childhood narratives shape our financial behaviors. Kirsten leads a candid conversation, exploring how our childhood experiences and upbringing influence our relationship with money. Adam shares valuable insights on rewiring our money mindset for success by challenging deeply ingrained beliefs. The discussion highlights the importance of balancing earning and saving in achieving financial goals, as well as viewing money as a tool for enjoyment and fulfillment. This episode encourages listeners to reflect on their earliest money memories and upbringing to gain insight into their financial decisions. Join us as we uncover the energy behind our financial choices and strive for greater financial empowerment. (Original Air Date - 4/17/24) What we discuss with Adam: + Debunking Money Myths: A New Perspective + Unveiling Personal Money Stories: A Vulnerable Conversation + The Psychology of Money: Understanding Our Financial Behaviors + A Unique Approach to Money: Personifying Financial Relationships + Exploring Childhood Money Memories: Unpacking Financial Beliefs + Navigating the Complexities of Money: A Journey Through Personal Finance + Reprogramming Money Scripts: Towards Financial Abundance + Self-Reflection and Money: Asking the Right Questions + Exploring Financial Beliefs and Habits + The 80/20 Rule for Financial Health + Offense and Defense in Financial Planning + The Power of Money Psychology and Beliefs + Aligning Actions with Financial Goals + The Importance of Receiving in Wealth Building + Balancing Generosity and Financial Wisdom Tune in for more with Adam in Parts 1 and 3 of this series! Thank you, Adam! Thank you Adam for a value packed episode and for sponsoring the show! Check out ⁠Adam's Full TedX Talk⁠, and if you'd like to connect with him on Linkedin click ⁠here.⁠ For more information go to⁠⁠⁠ MillionaireUniversity.com⁠⁠⁠ To get access to our FREE Business Training course go to ⁠⁠⁠MillionaireUniversity.com/training.⁠⁠⁠ And follow us on: ⁠⁠⁠Instagram⁠⁠⁠ ⁠⁠⁠Facebook⁠⁠⁠ ⁠⁠⁠Tik Tok⁠⁠⁠ ⁠⁠⁠Youtube⁠⁠⁠ ⁠⁠⁠Twitter⁠⁠⁠ To get exclusive offers mentioned in this episode and to support the show, visit ⁠⁠⁠millionaireuniversity.com/sponsors⁠⁠⁠. EXCLUSIVE NordVPN Deal ➼ ⁠⁠⁠https://nordvpn.com/millionaire⁠⁠⁠. Try it risk-free now with a 30-day money-back guarantee! Want to hear from more incredible entrepreneurs? Check out all of our interviews ⁠⁠⁠here⁠⁠⁠! Learn more about your ad choices. Visit megaphone.fm/adchoices

Hailing from the Causeway Coast, Good Friend is Adam Carroll (lead vocals and bass), Izzy Curran (drums), and Andy Reid (lead guitar). These three Irish lads originally come from around Belfast/Northern Ireland but they moved to Newcastle, England to get shitty jobs and form a band. The jobs did indeed turn out to be shitty, but the band turned out great! 'We've always described our sound as Punk Rock salted by The Irish Sea. Melodic and ferocious.' The band are signed to Red Scare Industries (US) and Gunner Records (EU) and have toured the world and played with bands like MakeWar, Guerilla Poubelle & Red City Radio. Good Friend played support to The Menzingers on the 16th of April at Button Factory Dublin, where Letty interviewed Adam and Izzy of the band. Band link: https://gunnerrecords.com/product-category/bands/good-friend https://goodfriend.bandcamp.com/album/tell-me-ma-single https://www.instagram.com/goodfriendband

#385 We're kicking off a three-part series with Adam Carroll, a financial education advocate who's changing the game when it comes to teaching kids and adults about money. Adam's not your average finance guru – he's all about hands-on learning and practical strategies that make a real difference.We kick things off by exploring Adam's unique approach to teaching kids about financial responsibility. Picture this: a game of Monopoly where real cash is on the line. Adam's innovative methods promote open discussions about finances and involve children in budget decisions from an early age. It's all about setting the foundation for a lifetime of smart money management. (Original Air Date - 4/15/24) What we discuss with Adam: + Adam's Rocky Financial Beginnings and What Changed + The Journey to Financial Wisdom and Massive Debt Payoff + The Monopoly Game That Changed Everything For Adam's Kids + What Contributes To The Way We Play With Our Own Money + Creative Ways to Teach Kids About Money and Saving + Core Truths About Money And Beliefs Everyone Needs To Learn + How To Start Small And Simple With Saving For The Future Tune in for more with Adam in Parts 2 and 3 of this series! Links and resources from this episode: ⁠Adam's Full TedX Talk⁠ Thank you, Adam! Thank you Adam for a value packed episode and for sponsoring the show! Check out ⁠Adam's Full TedX Talk⁠, and if you'd like to connect with him on Linkedin click ⁠here.⁠ For more information go to⁠⁠ MillionaireUniversity.com⁠⁠ To get access to our FREE Business Training course go to ⁠⁠MillionaireUniversity.com/training.⁠⁠ And follow us on: ⁠⁠Instagram⁠⁠ ⁠⁠Facebook⁠⁠ ⁠⁠Tik Tok⁠⁠ ⁠⁠Youtube⁠⁠ ⁠⁠Twitter⁠⁠ To get exclusive offers mentioned in this episode and to support the show, visit ⁠⁠millionaireuniversity.com/sponsors⁠⁠. EXCLUSIVE NordVPN Deal ➼ ⁠⁠https://nordvpn.com/millionaire⁠⁠. Try it risk-free now with a 30-day money-back guarantee! Want to hear from more incredible entrepreneurs? Check out all of our interviews ⁠⁠here⁠⁠! Learn more about your ad choices. Visit megaphone.fm/adchoices

Don't miss out on the next #womenintech podcast episode, get notified by signing up here http://womenintechshow.comBe featured in the Women in Tech Community by creating your profile here http://womenintechvip.com“Laura Ruiz of Code Flight: Accessibility for Coding”#womenintech Show is a WeAreTech.fm production.Become a Most Valuable Listener at http://womenintech.loveTo support the Women in Tech podcast go to https://www.patreon.com/womenintechTo be featured on the podcast go to http://womenintechshow.com/featureHost,Espree Devora https://twitter.com/espreedevorahttps://www.linkedin.com/in/espreeGuest, Laura Ruizhttps://www.linkedin.com/in/lauraruizroehrsIn LA? Here's some awesome resources for you to become immersed in the LA Tech scene -For a calendar of all LA Startup events go to, http://WeAreLATech.comGet Podcast Listeners, http://getpodcastlisteners.com/Tour Signup, https://tour.wefranch.com/signup/los-angeles-1Los Angeles Tech Community Leader Co Working Day, https://lu.ma/losangelestech_coworkingResources Mentioned:Code Flight, https://www.codeflight.ioGeekdom, https://geekdom.comLaunch SA, launched saYes Theory, https://yestheory.comRepurpose.io, https://repurpose.ioCapCut, https://www.capcut.comWordle, https://www.nytimes.com/games/wordle/index.htmlGive and Take, https://www.amazon.com/Give-Take-Helping-Others-Success/dp/0143124986Suitcase Coder, https://www.suitcasecoder.comCoolors, https://coolors.coMetricool, https://metricool.comOne Million Cups, https://www.1millioncups.comPeople Mentioned:Tony Hsieh, https://www.instagram.com/downtowntonyCredits:Produced and Hosted by Espree Devora, http://espreedevora.comStory Produced, Edited and Mastered by Cory Jennings, https://www.coryjennings.comProduction and Voiceover by Adam Carroll, http://www.ariacreative.caTeam support by Janice GeronimoMusic by Jay Huffman, https://soundcloud.com/jayhuffmanShort Title: Laura Ruiz

Don't miss out on the next #womenintech podcast episode, get notified by signing up here http://womenintechshow.comBe featured in the Women in Tech Community by creating your profile here http://womenintechvip.com“Molly Landman of PetSafe Brands: Creating Great Moments With Pets”#womenintech Show is a WeAreTech.fm production.Become a Most Valuable Listener at http://womenintech.loveTo support the Women in Tech podcast go to https://www.patreon.com/womenintechTo be featured on the podcast go to http://womenintechshow.com/featureHost,Espree Devora https://twitter.com/espreedevorahttps://www.linkedin.com/in/espreeGuest, Molly Landmanhttps://www.linkedin.com/in/molly-landman-bb0b702In LA? Here's some awesome resources for you to become immersed in the LA Tech scene -For a calendar of all LA Startup events go to, http://WeAreLATech.comGet Podcast Listeners, http://getpodcastlisteners.com/Resources Mentioned:PetSafeBrands, https://petsafebrands.comAura Ring, https://ouraring.comAutoSleep, https://apps.apple.com/us/app/autosleep-track-sleep-on-watch/id1164801111NY Times, https://www.nytimes.comPeople Mentioned:Tony Hsieh, https://www.instagram.com/downtowntonySylvia Plath, https://www.poetryfoundation.org/poets/sylvia-plathMelissa Wood Health, https://melissawoodhealth.comCredits:Produced and Hosted by Espree Devora, http://espreedevora.comStory Produced, Edited and Mastered by Cory Jennings, https://www.coryjennings.comProduction and Voiceover by Adam Carroll, http://www.ariacreative.caTeam support by Janice GeronimoMusic by Jay Huffman, https://soundcloud.com/jayhuffmanShort Title: Molly Landman

Don't miss out on the next #womenintech podcast episode, get notified by signing up here http://womenintechshow.comBe featured in the Women in Tech Community by creating your profile here http://womenintechvip.com“Alyssa Pollack of Fello: Revolutionizing Peer Support: Women In Tech Chicago”#womenintech Show is a WeAreTech.fm production.Become a Most Valuable Listener at http://womenintech.loveTo support the Women in Tech podcast go to https://www.patreon.com/womenintechTo be featured on the podcast go to http://womenintechshow.com/featureHost,Espree Devora https://twitter.com/espreedevorahttps://www.linkedin.com/in/espreeGuest, Alyssa Pollackhttps://www.linkedin.com/in/alyssa-pollackIn LA? Here's some awesome resources for you to become immersed in the LA Tech scene -For a calendar of all LA Startup events go to, http://WeAreLATech.comGet Podcast Listeners, http://getpodcastlisteners.com/Resources Mentioned:Fello, https://www.myfello.appUber, https://www.uber.comPeople Mentioned:Tony Hsieh, https://www.instagram.com/downtowntonyCredits:Produced and Hosted by Espree Devora, http://espreedevora.comStory Produced, Edited and Mastered by Cory Jennings, https://www.coryjennings.comProduction and Voiceover by Adam Carroll, http://www.ariacreative.caTeam support by Janice GeronimoMusic by Jay Huffman, https://soundcloud.com/jayhuffmanShort Title: Alyssa Pollack

Join the 30MPC Discovery Course waitlist TODAY and get first dibs + $25 off your first TWO months of Club Pass: https://clubpass.30mpc.com/discovery-course. ACTIONABLE TAKEAWAYS: Give Immediate Feedback: Don't wait until later—debrief with reps right after a call while the details are fresh. Sales has lost this habit with back-to-back Zoom meetings, but it's critical for development. Create a Coaching Cadence: If you don't set a structured coaching schedule, it likely won't happen consistently. Define clear coaching sessions, including frequency and focus, to ensure real progress. Structure Call Reviews: Block two hours weekly to review calls. Assign themes (e.g., discovery, negotiation), require reps to provide timestamps, and have them self-diagnose before your feedback. Expand Practice Beyond Role Plays: Role plays aren't the only way to improve. Have reps document key impact questions, map org charts for multithreading, or identify missing stakeholders in deals. CHARLES' PATH TO PRESIDENTS CLUB Founder @ Carroll Sales Consulting VP of Enterprise Sales @ FullStory Head of Enterprise & Strategic Sales @ Recurly Sales Director @ NewsCred RESOURCES DISCUSSED Discovery Course Join our weekly newsletter Things you can steal

Don't miss out on the next #womenintech podcast episode, get notified by signing up here http://womenintechshow.comBe featured in the Women in Tech Community by creating your profile here http://womenintechvip.com“Stormy Jackson of Mayo Clinic: Commit To Taking Action”#womenintech Show is a WeAreTech.fm production.Become a Most Valuable Listener at http://womenintech.loveTo support the Women in Tech podcast go to https://www.patreon.com/womenintechTo be featured on the podcast go to http://womenintechshow.com/featureHost,Espree Devora https://twitter.com/espreedevorahttps://www.linkedin.com/in/espreeGuest, Stormy Jacksonhttps://www.linkedin.com/in/stormydesigns/In LA? Here's some awesome resources for you to become immersed in the LA Tech scene -For a calendar of all LA Startup events go to, http://WeAreLATech.comGet Podcast Listeners, http://getpodcastlisteners.com/Resources Mentioned:Mayo Clinic, https://www.mayoclinic.org/ChatGPT, https://chatgpt.com/TechCrunch, https://techcrunch.com/Morning Brew, https://www.morningbrew.com/Tech Ladies, https://www.facebook.com/groups/techladies/Perplexity, https://www.perplexity.ai/Networth and Chill with Your Rich BFF Podcast, https://podcasts.apple.com/us/podcast/networth-and-chill-with-your-rich-bff/id1676999261/The Financial Diet, https://www.youtube.com/thefinancialdiet/tech.LA Fellows, https://www.tech.la/People Mentioned:Andy Bauch, https://www.linkedin.com/in/andybauch/Credits:Produced and Hosted by Espree Devora, http://espreedevora.comStory Produced, Edited and Mastered by Cory Jennings, https://www.coryjennings.comProduction and Voiceover by Adam Carroll, http://www.ariacreative.caTeam support by Janice GeronimoMusic by Jay Huffman, https://soundcloud.com/jayhuffmanShort Title: Stormy Jackson

Don't miss out on the next #womenintech podcast episode, get notified by signing up here http://womenintechshow.comBe featured in the Women in Tech Community by creating your profile here http://womenintechvip.com“Jessie Goodall of Besa Mi Vino: Curating and Producing Events”#womenintech Show is a WeAreTech.fm production.Become a Most Valuable Listener at http://womenintech.loveTo support the Women in Tech podcast go to https://www.patreon.com/womenintechTo be featured on the podcast go to http://womenintechshow.com/featureHost,Espree Devora https://twitter.com/espreedevorahttps://www.linkedin.com/in/espreeGuest, Jessie Goodallhttps://www.linkedin.com/in/jessica-goodall-401177213In LA? Here's some awesome resources for you to become immersed in the LA Tech scene -For a calendar of all LA Startup events go to, http://WeAreLATech.comGet Podcast Listeners, http://getpodcastlisteners.com/Resources Mentioned:Besa mi vino, https://linktr.ee/DrinkbesawebSpin The Besa, https://www.amazon.com/Spin-BESA-Drinking-Challenge-Original/dp/B0CM4NDLGZUCLA, https://www.ucla.eduPeople Mentioned:Katie Vander Ark, https://www.linkedin.com/in/katievanderarkCredits:Produced and Hosted by Espree Devora, http://espreedevora.comStory Produced, Edited and Mastered by Cory Jennings, https://www.coryjennings.comProduction and Voiceover by Adam Carroll, http://www.ariacreative.caTeam support by Janice GeronimoMusic by Jay Huffman, https://soundcloud.com/jayhuffmanShort Title: Jessie Goodall

Don't miss out on the next #womenintech podcast episode, get notified by signing up here http://womenintechshow.comBe featured in the Women in Tech Community by creating your profile here http://womenintechvip.com“LA Tech Week Female Founders Showcase”#womenintech Show is a WeAreTech.fm production.Become a Most Valuable Listener at http://womenintech.loveTo support the Women in Tech podcast go to https://www.patreon.com/womenintechTo be featured on the podcast go to http://womenintechshow.com/featureHost,Espree Devora https://twitter.com/espreedevorahttps://www.linkedin.com/in/espreeGuest, Kristin Pattersonhttps://www.linkedin.com/in/kristinhpatterson713/In LA? Here's some awesome resources for you to become immersed in the LA Tech scene -For a calendar of all LA Startup events go to, http://WeAreLATech.comGet Podcast Listeners, http://getpodcastlisteners.com/People Mentioned: Event photographer Adam Episcopo, shotbyae.comEVENT HOSTS INSTAGRAM:Live Bash: https://www.instagram.com/livebashwastakenJustworks: https://www.instagram.com/justworksWeAreLATech: https://www.instagram.com/wearelatechWomen in Tech Show: https://instagram.com/womenintechshowEspree Devora: https://www.instagram.com/espreedevora  Tech Week: https://www.instagram.com/techweeka16zEVENT HOSTS LINKEDIN:Live Bash: https://www.linkedin.com/company/live-bashJustworks: https://www.linkedin.com/company/justworks-WeAreLATech: https://www.linkedin.com/company/wearelatechWomen in Tech Show: https://www.linkedin.com/company/womenintechshowEspree Devora: https://www.linkedin.com/in/espreeTech Week: https://www.linkedin.com/company/tech-week-a16zEVENT HOSTS X (TWITTER):Live Bash: https://x.com/LiveBashIsTakenJustworks: https://x.com/justworksWeAreLATech: https://x.com/WeAreLATechWomen in Tech Show: https://x.com/WomenInTechShowEspree Devora: https://x.com/espreedevoraTech Week: https://x.com/Techweek_EVENT HOSTS FACEBOOK:Live Bash: https://www.facebook.com/livebashwastakenJustworks: https://www.facebook.com/JustworksHRWeAreLATech: https://www.facebook.com/wearelatechWomen in Tech Show: https://www.facebook.com/womenintechshowEspree Devora: https://www.facebook.com/espreedevoraCredits:Produced and Hosted by Espree Devora, http://espreedevora.comStory Produced, Edited and Mastered by Cory Jennings, https://www.coryjennings.comProduction and Voiceover by Adam Carroll, http://www.ariacreative.caTeam support by Janice GeronimoMusic by Jay Huffman, https://soundcloud.com/jayhuffmanShort Title: Kristin Patterson 

Don't miss out on the next #womenintech podcast episode, get notified by signing up here http://womenintechshow.comBe featured in the Women in Tech Community by creating your profile here http://womenintechvip.com“Carla Guzzetti of Extreme Networks: Becoming A Leader”#womenintech Show is a WeAreTech.fm production.Become a Most Valuable Listener at http://womenintech.loveTo support the Women in Tech podcast go to https://www.patreon.com/womenintechTo be featured on the podcast go to http://womenintechshow.com/featureHost,Espree Devora https://twitter.com/espreedevorahttps://www.linkedin.com/in/espreeGuest, Carla Guzzetti  https://www.linkedin.com/in/carlaguzzettiIn LA? Here's some awesome resources for you to become immersed in the LA Tech scene -For a calendar of all LA Startup events go to, http://WeAreLATech.comGet Podcast Listeners, http://getpodcastlisteners.com/Resources Mentioned:Extreme Networks, https://www.extremenetworks.comLA Tech Week, https://www.tech-week.comGive and Take, https://www.amazon.com/Give-Take-Helping-Others-Success/dp/0143124986Design Duality, https://designduality.studioIBM Watson, https://www.ibm.com/watsonxDoctors Without Boarders, https://www.doctorswithoutborders.orgCredits:Produced and Hosted by Espree Devora, http://espreedevora.comStory Produced, Edited and Mastered by Cory Jennings, https://www.coryjennings.comProduction and Voiceover by Adam Carroll, http://www.ariacreative.caTeam support by Janice GeronimoMusic by Jay Huffman, https://soundcloud.com/jayhuffmanShort Title: Carla Guzzetti

In this impactful episode of the Smart Real Estate Coach Podcast, we welcome Adam Carroll, a financial literacy advocate and the creator of the Shred Method back to the show. Adam shares his expertise on reshaping financial habits, building wealth, and achieving debt freedom through a systematic cash flow approach. We discuss the pitfalls of traditional money management, the importance of rethinking your relationship with debt, and how the Shred Method can save you tens of thousands of dollars in interest.    This episode is packed with real-world success stories and actionable insights, so it's a must-listen if you're ready to take control of your finances and build lasting wealth.   Key Talking Points of the Episode   00:00 Introduction 02:29 What is the Shred Method? 03:40 Shocking statistics: Over 60% of Americans spend more than they earn 05:06 Unlearning old financial habits to build newer, healthier ones 07:03 The core principles of the Shred Method 13:50 How the Shred Method can change your life 19:41 Strategies to accelerate mortgage payoffs and minimize interest expenses 23:30 How to prepare yourself for the new year financially 25:27 How HELOCs can help with finances regardless of interest rates 27:40 The Savings Analysis Tool 29:30 How to plan your finances for the next 10 years 31:53 What you should focus on this year   Quotables   “It's not about earning more; it's about keeping and growing what you already have.”   “Mindset is the foundation of your financial success—it dictates every decision you make with money.”   “Debt freedom isn't just possible; it's achievable with the right system and discipline.”   Links   Ep 418 - Living Free Through Income Efficiency, with Adam Carroll https://smartrealestatecoach.com/podcasts/adam-carroll-3/   Ep 287 - Money Beliefs, with Adam Carroll https://smartrealestatecoach.com/podcasts/adam-carroll-2/   Savings Analysis Tool https://smartrealestatecoach.com/shred Real Estate On Your Terms and Deal Structure Overtime https://wickedsmartbooks.com/podcast   FREE Master's Class https://wickedsmartacademy.com/mastersclass   FREE Strategy Session with Chris Pre https://smartrealestatecoach.com/chrisprecall   FREE Workshop https://smartrealestatecoach.com/pcws   QLS Homestudy Course https://wickedsmartacademy.com/course/qls-homestudy-4   Investor Resources https://smartrealestatecoach.com/resources   3 Paydays Apprentice https://smartrealestatecoach.com/apprentice-pod   In the Trenches Bootcamp https://smartrealestatecoach.com/ittb-pod   REI Blackbook https://smartrealestatecoach.com/REIBB-DD

Don't miss out on the next #womenintech podcast episode, get notified by signing up here http://womenintechshow.comBe featured in the Women in Tech Community by creating your profile here http://womenintechvip.com“Stacey Fournier-Thibodaux of Cask: Simplifying Workflows”#womenintech Show is a WeAreTech.fm production.Become a Most Valuable Listener at http://womenintech.loveTo support the Women in Tech podcast go to https://www.patreon.com/womenintechTo be featured on the podcast go to http://womenintechshow.com/featureHost,Espree Devora https://twitter.com/espreedevorahttps://www.linkedin.com/in/espreeGuest, Stacey Fournier-Thibodauxhttps://www.linkedin.com/in/staceyftIn LA? Here's some awesome resources for you to become immersed in the LA Tech scene -For a calendar of all LA Startup events go to, http://WeAreLATech.comGet Podcast Listeners, http://getpodcastlisteners.com/Resources Mentioned:Cask NX, https://casknx.comRadical Candor, https://www.amazon.com/Radical-Candor-Kick-Ass-Without-Humanity/dp/1250103509Slack, https://slack.comPeople Mentioned:Simon Sinek, https://simonsinek.comCredits:Produced and Hosted by Espree Devora, http://espreedevora.comStory Produced, Edited and Mastered by Cory Jennings, https://www.coryjennings.comProduction and Voiceover by Adam Carroll, http://www.ariacreative.caTeam support by Janice GeronimoMusic by Jay Huffman, https://soundcloud.com/jayhuffmanShort Title: Stacey Fournier-Thibodaux 

Don't miss out on the next #womenintech podcast episode, get notified by signing up here http://womenintechshow.comBe featured in the Women in Tech Community by creating your profile here http://womenintechvip.com“Kelly Vaughn of Spot AI: Video And Social Content”#womenintech Show is a WeAreTech.fm production.Become a Most Valuable Listener at http://womenintech.loveTo support the Women in Tech podcast go to https://www.patreon.com/womenintechTo be featured on the podcast go to http://womenintechshow.com/featureHost,Espree Devora https://twitter.com/espreedevorahttps://www.linkedin.com/in/espreeGuest, Kelly Vaughn https://www.linkedin.com/in/kellyvaughnIn LA? Here's some awesome resources for you to become immersed in the LA Tech scene -For a calendar of all LA Startup events go to, http://WeAreLATech.comGet Podcast Listeners, http://getpodcastlisteners.com/Resources Mentioned:Spot AI, https://www.spot.aiCanva, https://www.canva.comOtter AI,https://otter.aiCapCut, https://www.capcut.comHTMLGoodies, https://www.htmlgoodies.comMailchimp, https://mailchimp.comApple Arcade, https://www.apple.com/apple-arcade/Credits:Produced and Hosted by Espree Devora, http://espreedevora.comStory Produced, Edited and Mastered by Cory Jennings, https://www.coryjennings.comProduction and Voiceover by Adam Carroll, http://www.ariacreative.caTeam support by Janice GeronimoMusic by Jay Huffman, https://soundcloud.com/jayhuffmanShort Title: Kelly Vaughn 

Adam Carroll, founder of Carroll Sales Consulting, specializes in helping clients adopt actionable sales playbooks and accelerate growth. With 12 years of leadership experience in SaaS sales, Adam has built sales teams from scratch, spearheaded international expansions, and driven revenue growth resulting in multiple successful exits. In this episode, Adam shares his four-step deal health check, tips for eliminating “story time” in forecast reviews, and strategies to identify key deal opportunities. This conversation is packed with insights for sales professionals aiming to elevate their performance.Are you interested in leveling up your sales skills and staying relevant in today's AI-driven landscape? Visit www.jbarrows.com and let's Make It Happen together!Connect with John on LinkedIn: https://www.linkedin.com/in/johnbarrows/Connect with John on IG: https://www.instagram.com/johnmbarrows/Check out John's Membership: https://go.jbarrows.com/pages/individual-membership?ref=3edab1 Join John's Newsletter: https://www.jbarrows.com/newsletterhttps://www.linkedin.com/in/topazadizes/Connect with Adam on LinkedIn: https://www.linkedin.com/in/adam-carroll-602a7419/ Checkout Adam's Website: www.carrollsalesconsulting.com

Don't miss out on the next #womenintech podcast episode, get notified by signing up here http://womenintechshow.comBe featured in the Women in Tech Community by creating your profile here http://womenintechvip.com“Amrit Kang of London & Partners: London's Growth Agency”#womenintech Show is a WeAreTech.fm production.Become a Most Valuable Listener at http://womenintech.loveTo support the Women in Tech podcast go to https://www.patreon.com/womenintechTo be featured on the podcast go to http://womenintechshow.com/featureHost,Espree Devora https://twitter.com/espreedevorahttps://www.linkedin.com/in/espreeGuest, Amrit Kanghttps://www.linkedin.com/in/amrit-kang-9471b240In LA? Here's some awesome resources for you to become immersed in the LA Tech scene -For a calendar of all LA Startup events go to, http://WeAreLATech.comGet Podcast Listeners, http://getpodcastlisteners.com/Resources Mentioned:London and Partners, https://www.londonandpartners.comChat GPT, https://openai.com/index/chatgpt/Robin AI, https://www.robinai.comCredits:Produced and Hosted by Espree Devora, http://espreedevora.comStory Produced, Edited and Mastered by Cory Jennings, https://www.coryjennings.comProduction and Voiceover by Adam Carroll, http://www.ariacreative.caTeam support by Janice GeronimoMusic by Jay Huffman, https://soundcloud.com/jayhuffmanShort Title: Amrit Kang

Learn how you can pay off your mortgage in as little as three years with the innovative SHRED method in this enlightening podcast episode. Host Dustin Heiner shares his personal investing journey and recent successes, including buying an Airbnb and a large apartment complex. Joined by guest Adam Carroll, they delve into the details of the SHRED method, which leverages a home equity line of credit to drastically reduce mortgage interest payments and overall loan duration. Discover how this approach not only speeds up mortgage payoff but also transforms your home equity into a powerful financial tool for future investments. Tune in to gain valuable insights that could change your financial landscape and help you achieve greater financial freedom.Get $200 OFF the Shred Method: https://masterpassiveincome.com/shred5 Ways to Pay Off Your Mortgage Faster: https://www.instagram.com/reel/DCHTctDOoR-Invest with Dustin and MPI: https://masterpassiveincome.com/investREWBCON 20% OFF CODE: MPIPODCAST: https://rewbcon.com Get the 1-on-1 coaching FREE strategy call here: https://masterpassiveincome.com/bookacallCheck out all the other MPI Podcast Network Shows: https://masterpassiveincome.com/network//BEST REAL ESTATE INVESTING RESOURCE LINKSStart your LLC for only $29! https://masterpassiveincome.com/formanllcGreat High Interest Savings Account: https://masterpassiveincome.com/citGet your business bank account here: https://masterpassiveincome.com/baselaneGet your business credit card with 2% Cash Back with NO FEE! https://masterpassiveincome.com/amexNOTE: This description may contains affiliate links to products we enjoy using ourselves. Should you choose to use these links, this channel may earn affiliate commissions at no additional cost to you. We appreciate your support!Takeaways:Dustin Heiner discusses strategies to pay off your mortgage in as little as three years.Using the SHRED method can help you manage debt and reduce mortgage payments effectively.The importance of maintaining a disciplined approach to finances when using a HELOC.Investing in real estate and using creative financing methods can lead to financial freedom.Understanding interest rates and how they affect mortgage payments is crucial for investors.Adam Carroll emphasizes the significance of leveraging home equity to accelerate mortgage payoff.Dustin Heiner shares valuable insights on achieving financial freedom through real estate investment, focusing on a unique strategy to pay off mortgages faster. He emphasizes the importance of taking action in real estate, sharing his personal excitement about recent investments, including a single-family Airbnb in Tennessee and a 355-unit apartment complex. Heiner discusses the current housing market dynamics, highlighting the impact of interest rates on property prices and how many homeowners are nostalgic about previous...

Don't miss out on the next #womenintech podcast episode, get notified by signing up here http://womenintechshow.comBe featured in the Women in Tech Community by creating your profile here http://womenintechvip.com“Ira Santiago of Work & Co: Build and Ship Digital Products”#womenintech Show is a WeAreTech.fm production.Become a Most Valuable Listener at http://womenintech.loveTo support the Women in Tech podcast go to https://www.patreon.com/womenintechTo be featured on the podcast go to http://womenintechshow.com/featureHost,Espree Devora https://twitter.com/espreedevorahttps://www.linkedin.com/in/espreeGuest, Ira Santiagohttps://www.linkedin.com/in/ira-santiagoIn LA? Here's some awesome resources for you to become immersed in the LA Tech scene -For a calendar of all LA Startup events go to, http://WeAreLATech.comGet Podcast Listeners, http://getpodcastlisteners.com/Resources Mentioned:Work & Co, https://work.coTreehouse, https://teamtreehouse.comCrucial Conversations, https://www.amazon.com/Crucial-Conversations-Tools-Talking-Stakes/dp/0071401946Hidden Brain, https://hiddenbrain.orgVS Code, https://code.visualstudio.comCredits:Produced and Hosted by Espree Devora, http://espreedevora.comStory Produced, Edited and Mastered by Cory Jennings, https://www.coryjennings.comProduction and Voiceover by Adam Carroll, http://www.ariacreative.caTeam support by Janice GeronimoMusic by Jay Huffman, https://soundcloud.com/jayhuffmanShort Title: Ira Santiago

Don't miss out on the next #womenintech podcast episode, get notified by signing up here http://womenintechshow.comBe featured in the Women in Tech Community by creating your profile here http://womenintechvip.com“Filiz Yonyuksel of CogniScope: Revolutionize The Gaming Industry”    #womenintech Show is a WeAreTech.fm production.Become a Most Valuable Listener at http://womenintech.loveTo support the Women in Tech podcast go to https://www.patreon.com/womenintechTo be featured on the podcast go to http://womenintechshow.com/featureHost,Espree Devora https://twitter.com/espreedevorahttps://www.linkedin.com/in/espreeGuest, Filiz Yonyukselhttps://tr.linkedin.com/in/filiz-yonyukselIn LA? Here's some awesome resources for you to become immersed in the LA Tech scene -For a calendar of all LA Startup events go to, http://WeAreLATech.comGet Podcast Listeners, http://getpodcastlisteners.com/Resources Mentioned:Cogniscope, https://cogniscope.coTechstars, https://www.techstars.comSpark Mail, https://sparkmailapp.comBeing Human, https://closler.org/lifelong-learning-in-clinical-excellence/insan-olmak-humanCredits:Produced and Hosted by Espree Devora, http://espreedevora.comStory Produced, Edited and Mastered by Cory Jennings, https://www.coryjennings.comProduction and Voiceover by Adam Carroll, http://www.ariacreative.caTeam support by Janice GeronimoMusic by Jay Huffman, https://soundcloud.com/jayhuffmanShort Title: Filiz Yonyuksel 

Don't miss out on the next #womenintech podcast episode, get notified by signing up here http://womenintechshow.comBe featured in the Women in Tech Community by creating your profile here http://womenintechvip.com“Kalli Prins of Her Workplace: The Career Network”#womenintech Show is a WeAreTech.fm production.Become a Most Valuable Listener at http://womenintech.loveTo support the Women in Tech podcast go to https://www.patreon.com/womenintechTo be featured on the podcast go to http://womenintechshow.com/featureHost,Espree Devora https://twitter.com/espreedevorahttps://www.linkedin.com/in/espreeGuest, Kalli Prinshttps://www.linkedin.com/in/kalliprinsIn LA? Here's some awesome resources for you to become immersed in the LA Tech scene -For a calendar of all LA Startup events go to, http://WeAreLATech.comGet Podcast Listeners, http://getpodcastlisteners.com/Resources Mentioned:Her Workplace, https://www.herworkplace.comTech Week, https://www.tech-week.comChaGPT, https://openai.com/index/chatgptFocused Space, https://www.focused.space222, https://222.placeQuiet: The Power of Introverts in a World That Can't Stop Talking, https://www.amazon.com/Quiet-Power-Introverts-World-Talking/dp/0307352153The Art and Science of Connection, https://www.amazon.com/Art-Science-Connection-Missing-Healthier/dp/0063289113The Courage to Be Disliked, https://www.amazon.com/Courage-Be-Disliked-Phenomenon-Happiness/dp/1501197274People Mentioned:Arlan Hamilton, https://www.instagram.com/arlanwashereMarilynn Joyner, https://www.linkedin.com/in/marilynn-elise-joynerCredits:Produced and Hosted by Espree Devora, http://espreedevora.comStory Produced, Edited and Mastered by Cory Jennings, https://www.coryjennings.comProduction and Voiceover by Adam Carroll, http://www.ariacreative.caTeam support by Janice GeronimoMusic by Jay Huffman, https://soundcloud.com/jayhuffmanShort Title: Kalli Prins

Don't miss out on the next #womenintech podcast episode, get notified by signing up here http://womenintechshow.comBe featured in the Women in Tech Community by creating your profile here http://womenintechvip.com“Celine Lightfoot of Beni: Find it Secondhand”#womenintech Show is a WeAreTech.fm production.Become a Most Valuable Listener at http://womenintech.loveTo support the Women in Tech podcast go to https://www.patreon.com/womenintechTo be featured on the podcast go to http://womenintechshow.com/featureHost,Espree Devora https://twitter.com/espreedevorahttps://www.linkedin.com/in/espreeGuest, Celine Lightfoothttps://www.linkedin.com/in/celinemolIn LA? Here's some awesome resources for you to become immersed in the LA Tech scene -For a calendar of all LA Startup events go to, http://WeAreLATech.comGet Podcast Listeners, http://getpodcastlisteners.com/Beni, https://www.joinbeni.comPoshmark, https://poshmark.comDepop, https://www.depop.comVillage Lane, https://villagelane.ioBuoyant Ventures, https://www.buoyant.vcBetter Ventures, https://www.better.vcXYZ, https://www.xyz.vcSapiens, https://shorturl.at/AOVytHomo Deus, https://shorturl.at/1SxU1Gather, https://www.gather.townAI Necklace, https://www.wired.com/story/friend-ai-pendantPeople Mentioned:Sarah Pinner, https://www.linkedin.com/in/sarahepinnerKate Sanner, https://www.linkedin.com/in/kate-sanner-777aa03bCredits:Produced and Hosted by Espree Devora, http://espreedevora.comStory Produced, Edited and Mastered by Cory Jennings, https://www.coryjennings.comProduction and Voiceover by Adam Carroll, http://www.ariacreative.caTeam support by Janice GeronimoMusic by Jay Huffman, https://soundcloud.com/jayhuffmanShort Title: Celine Lightfoot

Don't miss out on the next #womenintech podcast episode, get notified by signing up here http://womenintechshow.comBe featured in the Women in Tech Community by creating your profile here http://womenintechvip.com“Jill Luber of Elsevier: An Information Analytics Business”#womenintech Show is a WeAreTech.fm production.Become a Most Valuable Listener at http://womenintech.loveTo support the Women in Tech podcast go to https://www.patreon.com/womenintechTo be featured on the podcast go to http://womenintechshow.com/featureHost,Espree Devora https://twitter.com/espreedevorahttps://www.linkedin.com/in/espreeGuest, Jill Luberhttps://www.linkedin.com/in/jill-luber-59690b/In LA? Here's some awesome resources for you to become immersed in the LA Tech scene -For a calendar of all LA Startup events go to, http://WeAreLATech.comGet Podcast Listeners, http://getpodcastlisteners.com/Resources Mentioned:Elsevier, https://www.elsevier.comLexisNexis Risk Solutions, https://risk.lexisnexis.comPeople Mentioned:Sara Blakely, https://www.instagram.com/sarablakelyMaria Black, https://www.adp.com/about-adp/leadership/maria-blackCredits:Produced and Hosted by Espree Devora, http://espreedevora.comStory Produced, Edited and Mastered by Cory Jennings, https://www.coryjennings.comProduction and Voiceover by Adam Carroll, http://www.ariacreative.caTeam support by Janice GeronimoMusic by Jay Huffman, https://soundcloud.com/jayhuffmanShort Title: Jill Luber 

Don't miss out on the next #womenintech podcast episode, get notified by signing up here http://womenintechshow.comBe featured in the Women in Tech Community by creating your profile here http://womenintechvip.com“Aprilynne Alter: Creator & YouTube Strategist”#womenintech Show is a WeAreTech.fm production.Become a Most Valuable Listener at http://womenintech.loveTo support the Women in Tech podcast go to https://www.patreon.com/womenintechTo be featured on the podcast go to http://womenintechshow.com/featureHost,Espree Devora https://twitter.com/espreedevorahttps://www.linkedin.com/in/espreeGuest, Aprilynne Alter     https://www.instagram.com/aprilynnealter/In LA? Here's some awesome resources for you to become immersed in the LA Tech scene -For a calendar of all LA Startup events go to, http://WeAreLATech.comGet Podcast Listeners, http://getpodcastlisteners.com/Resources Mentioned:Aprilynne Alter YouTube Channel, https://www.youtube.com/@aprilynnealterVidSummit, https://www.vidsummit.comStarter Story, https://www.starterstory.comGling, https://www.gling.aiMistborn, https://www.amazon.com/Mistborn-Final-Empire-Book-No/dp/0765350386People Mentioned:MrBeast, https://www.instagram.com/mrbeastJay Clouse, https://www.youtube.com/@CreatorScienceYTColin and Samir, https://www.youtube.com/colinandsamirCredits:Produced and Hosted by Espree Devora, http://espreedevora.comStory Produced, Edited and Mastered by Cory Jennings, https://www.coryjennings.comProduction and Voiceover by Adam Carroll, http://www.ariacreative.caTeam support by Janice GeronimoMusic by Jay Huffman, https://soundcloud.com/jayhuffmanShort Title: Aprilynne Alter       

AND WE'RE BACK. My GOOD FRIEND Adam Carroll joins me live in studio to discuss the Red Scare 20 Years of Dream and Scheming compilation. Go listen to the comp because it's incredible. Go see Adam at the Red Scare 20 shows in Las Vegas this weekend 9/27 and 9/28 at the Usual Place. There are also some Red Scare folks doing tours at the Punk Rock Museum. Follow @goodfriend band on instagram. Follow @youhadoptions everywhere. Comments and like and all that crap. Thanks for caring! --- Support this podcast: https://podcasters.spotify.com/pod/show/you-had-options/support

Don't miss out on the next #womenintech podcast episode, get notified by signing up here http://womenintechshow.comBe featured in the Women in Tech Community by creating your profile here http://womenintechvip.com“Maeve Wang of Iambic: Made To Fit Shoes”#womenintech Show is a WeAreTech.fm production.Become a Most Valuable Listener at http://womenintech.loveTo support the Women in Tech podcast go to https://www.patreon.com/womenintechTo be featured on the podcast go to http://womenintechshow.com/featureHost,Espree Devora https://twitter.com/espreedevorahttps://www.linkedin.com/in/espreeGuest, Maeve Wanghttps://www.linkedin.com/in/maevetwangIn LA? Here's some awesome resources for you to become immersed in the LA Tech scene -For a calendar of all LA Startup events go to, http://WeAreLATech.comGet Podcast Listeners, http://getpodcastlisteners.com/Resources Mentioned:IAMBIC, https://iambic.coIambic Time Magazine, https://time.com/collection/best-inventions-2023/6324114/iambic-model-t/Village Lane, https://retreat.villagelane.ioDelivering Happiness, https://www.amazon.com/Delivering-Happiness-Profits-Passion-Purpose/dp/0446576220People Mentioned:Justin Gordon, https://www.linkedin.com/in/justincharlesgordonColeman Horn, https://www.linkedin.com/in/phylaTony Hsieh, https://www.instagram.com/downtowntonyCredits:Produced and Hosted by Espree Devora, http://espreedevora.comStory Produced, Edited and Mastered by Cory Jennings, https://www.coryjennings.comProduction and Voiceover by Adam Carroll, http://www.ariacreative.caTeam support by Janice GeronimoMusic by Jay Huffman, https://soundcloud.com/jayhuffmanShort Title: Maeve Wang

Don't miss out on the next #womenintech podcast episode, get notified by signing up here http://womenintechshow.comBe featured in the Women in Tech Community by creating your profile here http://womenintechvip.com“Aparna Khurjekar of Verizon”#womenintech Show is a WeAreTech.fm production.Become a Most Valuable Listener at http://womenintech.loveTo support the Women in Tech podcast go to https://www.patreon.com/womenintechTo be featured on the podcast go to http://womenintechshow.com/featureHost,Espree Devora https://twitter.com/espreedevorahttps://www.linkedin.com/in/espreeGuest, Aparna Khurjekar https://www.linkedin.com/in/aparna-khurjekarIn LA? Here's some awesome resources for you to become immersed in the LA Tech scene -For a calendar of all LA Startup events go to, http://WeAreLATech.comGet Podcast Listeners, http://getpodcastlisteners.com/Resources Mentioned:Verizon, https://www.verizon.comBoomer Kitchen, https://boomerskitchenandcatering.comAcquired Podcast, https://www.acquired.fmPeople Mentioned:Taylor Swift, https://www.taylorswift.comJoe Rogan, https://www.joerogan.comAdam Grant, https://adamgrant.netCredits:Produced and Hosted by Espree Devora, http://espreedevora.comStory Produced, Edited and Mastered by Cory Jennings, https://www.coryjennings.comProduction and Voiceover by Adam Carroll, http://www.ariacreative.caTeam support by Janice GeronimoMusic by Jay Huffman, https://soundcloud.com/jayhuffmanShort Title: Aparna Khurjekar

Don't miss out on the next #womenintech podcast episode, get notified by signing up here http://womenintechshow.com.Be featured in the Women in Tech Community by creating your profile here http://womenintechvip.com“Emily Gray: Startup Growth Strategy”#womenintech Show is a WeAreTech.fm production.Become a Most Valuable Listener at http://womenintech.loveTo support the Women in Tech podcast go to https://www.patreon.com/womenintechTo be featured on the podcast go to http://womenintechshow.com/featureHost,Espree Devora https://twitter.com/espreedevorahttps://www.linkedin.com/in/espreeGuest, Emily Grayhttps://www.instagram.com/emilygraytfulIn LA? Here's some awesome resources for you to become immersed in the LA Tech scene -For a calendar of all LA Startup events go to, http://WeAreLATech.comGet Podcast Listeners, http://getpodcastlisteners.com/Resources Mentioned:Huberman Lab, https://www.hubermanlab.comThe Power of Now, https://www.amazon.com/Power-Now-Guide-Spiritual-Enlightenment/dp/1577314808No Self No Problem, https://www.amazon.com/No-Self-Problem-Neuropsychology-Catching/dp/1938289978Healing House, https://www.instagram.com/healinghouselaPeople Mentioned:Mark Hyman, https://drhyman.comCredits:Produced and Hosted by Espree Devora, http://espreedevora.comStory Produced, Edited and Mastered by Cory Jennings, https://www.coryjennings.comProduction and Voiceover by Adam Carroll, http://www.ariacreative.caTeam support by Janice GeronimoMusic by Jay Huffman, https://soundcloud.com/jayhuffmanShort Title: Emily Gray

In this insightful episode, we sit down with Adam Carroll, an internationally recognized financial literacy expert and TEDx speaker with over 6.1 million views. Adam shares his journey from being a debt statistic to becoming a financial freedom advocate. We explore the importance of financial education, the impact of student loans, and his revolutionary Shred Method for minimizing debt and maximizing wealth. Adam also discusses his documentary "Broke, Busted & Disgusted" and the real-life lessons behind his TEDx talk, "When Money Isn't Real." Tune in to discover strategies that can transform your financial future. To check out Adam's TEDx talk, viewed over 6.1 million times, visit: https://youtu.be/_VB39Jo8mAQ?si=DOqJXevOUIjVzx7Q Disclaimer: Not advice. Educational purposes only. Not an endorsement for or against. Results not vetted. Views of the guests do not represent those of the host or show. Do your due diligence. Click here to join PodMatch (the "AirBNB" of Podcasting): https://www.joinpodmatch.com/drchrisloomdphd We couldn't do it without the support of our listeners. To help support the show: CashApp- https://cash.app/$drchrisloomdphd Venmo- https://account.venmo.com/u/Chris-Loo-4 Spotify- https://podcasters.spotify.com/pod/show/christopher-loo/support Buy Me a Coffee- https://www.buymeacoffee.com/chrisJx Click here to schedule a 1-on-1 private coaching call: https://www.drchrisloomdphd.com/book-online Click here to purchase my books on Amazon: https://amzn.to/2PaQn4p Follow our YouTube channel: https://www.youtube.com/chL1357 Follow us on Twitter: https://www.twitter.com/drchrisloomdphd Follow us on Instagram: https://www.instagram.com/thereal_drchrisloo Follow us on Threads: https://www.threads.net/@thereal_drchrisloo Follow us on TikTok: https://www.tiktok.com/@drchrisloomddphd Follow our Blog: https://www.drchrisloomdphd.com/blog Follow the podcast on Spotify: https://open.spotify.com/show/3NkM6US7cjsiAYTBjWGdx6?si=1da9d0a17be14d18 Subscribe to our Substack newsletter: https://substack.com/@drchrisloomdphd1 Subscribe to our Medium newsletter: https://medium.com/@drchrisloomdphd Subscribe to our email newsletter: ⁠https://financial-freedom-for-physicians.ck.page/b4622e816d⁠ Subscribe to our LinkedIn newsletter: https://www.linkedin.com/build-relation/newsletter-follow?entityUrn=6992935013231071233 Thank you to our advertisers on Spotify. Financial Freedom for Physicians, Copyright 2024 --- Support this podcast: https://podcasters.spotify.com/pod/show/christopher-loo/support

My guest in this episode is Adam Carroll. Adam has decades of experience working with families and business owners who are interested in creating massive efficiencies when it comes to their income and wealth-building capacity. With an unwavering commitment to helping people make the most of the money they make, while limiting risk, reducing tax liabilities, and increasing liquidity, Adam Carroll has spent 15 years helping people do more with the money they make. He is an internationally recognized financial literacy expert, author of three Amazon best-sellers, a two-time TED talk speaker with over 6 million views on YouTube and TED.com, and is the creator of the Broke, Busted & Disgusted documentary, which aired on CNBC and is shown in hundreds of high schools and colleges across the country. He is the host of the Build A Bigger Life podcast, the curator of MasteryOfMoney.com, and founder of The Shred Method™. Interview Links: The Shred Method https://www.theshredmethod.com/. Subscribe To Our Weekly Newsletter: The Wealth Dojo: https://subscribe.wealthdojo.ai/ Download all the Niches Trilogy Books: The 21 Best Cashflow Niches Digital: ⁠⁠https://www.cashflowninjaprograms.com/the-21-best-cashflow-niches-book⁠⁠ Audio: ⁠https://podcasters.spotify.com/pod/show/21-best-cashflow-niches⁠ The 21 Most Unique Cashflow Niches Digital: ⁠⁠https://www.cashflowninjaprograms.com/the-21-most-unique-cashflow-niches⁠⁠ Audio: ⁠https://podcasters.spotify.com/pod/show/21-most-unique-niches⁠ The 21 Best Cash Growth Niches Digital: ⁠https://www.cashflowninjaprograms.com/the-21-best-cash-growth-niches⁠⁠ Audio: ⁠https://podcasters.spotify.com/pod/show/21-cash-growth-niches Listen To Cashflow Ninja Podcasts: Cashflow Ninja ⁠https://podcasters.spotify.com/pod/show/cashflowninja⁠ Cashflow Investing Secrets ⁠https://podcasters.spotify.com/pod/show/cashflowinvestingsecrets⁠ Cashflow Ninja Banking ⁠https://podcasters.spotify.com/pod/show/cashflow-ninja-banking⁠ Connect With Us: Website: http://cashflowninja.com Podcast: http://resetinvestingsecrets.com Podcast: http://cashflowinvestingsecrets.com Podcast: http://cashflowninjabanking.com Substack: https://mclaubscher.substack.com/ Amazon Audible: https://a.co/d/1xfM1Vx Amazon Audible: https://a.co/d/aGzudX0 Facebook: https://www.facebook.com/cashflowninja/ Twitter: https://twitter.com/mclaubscher Instagram: https://www.instagram.com/thecashflowninja/ TikTok: https://www.tiktok.com/@cashflowninja Linkedin: https://www.linkedin.com/in/mclaubscher/ Gab: https://gab.com/cashflowninja Youtube: http://www.youtube.com/c/Cashflowninja Rumble: https://rumble.com/c/c-329875

Welcome to a very special episode! I had planned to feature this live stream with listeners to celebrate the milestone of our 400th episode, but a family emergency preempted those plans. Never fear—we are making it happen now! Listeners share what's made the show important to them and some of their favorite episodes, topics, and guests. Join us!Show Highlights:From Carolyn Covey Morris–A favorite is Episode 200; the STaR Coach Show helped her in the transition into executive coaching and continually inspires her to keep going.From Donna Holder–Her favorites have changed over the years, but some are Episode 107 with Fran Fisher, Episode 244 with James Allen, and others about leadership, business building, and brain science. She loves to recommend the STaR Coach Show to coaching colleagues!From Susan Collins–She is a leadership coach who helps clergywomen navigate their careers, and she embraces the entire STaR Coach Show ecosystem and loves the community and the education that are available. From Dr. John Roof–The STaR Coach Show is an important part of his coaching journey, and he loves meeting other coaches at conferences. Two favorites are Episode 107 with Fran Fisher and Episode 374 with Dr. Marcia Reynolds. From Serge Devieux–He's a newer listener who became a coach after a long career as an international executive, and he loves the wealth of learning through the STaR Coach Show. Two favorites are Episode 107 with Fran Fisher and Episode 197 with Adam Carroll. From Cynthia Pike-Fuentes–She coaches executive women on personal and professional changes in their lives, and a favorite is Episode 289 with Tracy Winter. Resources:Links are given in the Show Notes to connect with these great coaches and their favorite episodes.Grab the resource from Episode 200 using this link.Check out the STaR Coach Show Mentor Programs! A NEW PROGRAM WAS JUST ADDED FOR 2024!Visit the STaR Coach Show YouTube Channel!Explore past episodes and other resources at www.STaRcoachshow.com. Explore the STaR Coach Community and see what's available

Don't miss out on the next #womenintech podcast episode, get notified by signing up here http://womenintechshow.com.Be featured in the Women in Tech Community by creating your profile here http://womenintechvip.com“Women in Cloud Panel: Icons and Community”    #womenintech Show is a WeAreTech.fm production.Become a Most Valuable Listener at http://womenintech.loveTo support the Women in Tech podcast go to https://www.patreon.com/womenintechTo be featured on the podcast go to http://womenintechshow.com/featureHost,Espree Devora https://twitter.com/espreedevorahttps://www.linkedin.com/in/espreeGuest,Chaitra Vedullapallihttps://www.linkedin.com/in/chaitravGuest, Debbie Uttecht https://www.linkedin.com/in/debbieuttechtGuest,Monica Guptahttps://www.linkedin.com/in/monica-gupta-2573a017Guest,Nancy Watthttps://ca.linkedin.com/in/nancywattIn LA? Here's some awesome resources for you to become immersed in the LA Tech scene -For a calendar of all LA Startup events go to, http://WeAreLATech.comGet Podcast Listeners, http://getpodcastlisteners.com/Resources Mentioned:Women in Cloud, https://womenincloud.comHasbro, https://shop.hasbro.comMicrosoft, https://www.microsoft.comPeople Mentioned:Tony Hsieh, https://www.linkedin.com/in/tonyhsiehMary Jackson, https://www.nasa.gov/people/mary-w-jackson-biography/Taylor Swift, https://www.taylorswift.comCredits:Produced and Hosted by Espree Devora, http://espreedevora.comStory Produced, Edited and Mastered by Cory Jennings, https://www.coryjennings.comProduction and Voiceover by Adam Carroll, http://www.ariacreative.caTeam support by Janice GeronimoMusic by Jay Huffman, https://soundcloud.com/jayhuffmanShort Title: Women in Cloud

Adam Carroll is the creator of the documentary 'Broke, Busted, & Disgusted,' which aired on CNBC and continues to be screened in high schools and colleges nationwide. In this episode we discuss the importance of making informed decisions about college.You'll also learn:Why there is a disconnect between parents and students regarding who is responsible for paying for collegeHow to have open and honest conversations with children about the cost of collegeWays parents can help their children become financially independent from a young ageAlternatives options to traditional college - and why you should consider themCheck out all of Adam's resources here.You Might Like: Get the BRAND NEW FREE Goodbye Debt Tracker! Grab my FREE Budgeting Cheat Sheet. Follow Allison on Instagram! @inspiredbudget Check out Inspired Budget's blog. Take my FREE class on How to Budget to Build Wealth!

Don't miss out on the next WeAreLATech podcast episode, get notified by signing up here http://wearelatech.com/podcastWelcome to WeAreLATech's Los Angeles Tech Community Spotlight!   “Reflecting On My Journey Building WeAreLATech”WeAreLATech Podcast is a WeAreTech.fm production.To support our podcast go to http://wearelatech.com/believe To be featured on the podcast go to http://wearelatech.com/feature-your-la-startup/Want to be featured in the WeAreLATech Community? Create your profile here http://wearelatech.com/communityHost,Espree Devorahttps://twitter.com/espreedevorahttps://www.linkedin.com/in/espreeLinks Mentioned:WeAreLATech, https://wearelatech.clubCredits:Produced and Hosted by Espree Devora, http://espreedevora.comStory Produced, Edited and Mastered by Cory Jennings, https://www.coryjennings.com/Production and Voiceover by Adam Carroll, http://www.ariacreative.ca/Team support by Janice GeronimoMusic by Jay Huffman, https://soundcloud.com/jayhuffmanShort Title: Building WeAreLATechStep into the vibrant heart of Los Angeles's tech community with WeAreLATech 'Experience' Club, crafted by Espree Devora, an "artist of human connection."Since 2012 this connective club has united the brightest in tech—from engineers to investors, product people to designers to founders— for extraordinary in-person activities. Move beyond standard mixers to connect through unique experiences such as horseback riding, clay pigeon shooting, rooftop cocktails, and luxury beach picnics. The Club prioritizes deep, quality connections within a strong, curated culture, offering dynamic settings to expand your professional network. Embrace the opportunity to forge lasting memories and invaluable partnerships within LA's tech ecosystem. Discover more and join our journey at www.wearelatech.club, and gain further insights on the WeAreLATech Podcast.

In this podcast episode, T.J. hosts financial expert Adam Carroll, who shares his journey from college debt to financial responsibility. Adam introduces the "shred method," a technique using home equity lines of credit to reduce interest expenses on debts like mortgages and student loans. He explains how this method can save money and increase financial security, even with low-interest rates. The discussion covers the benefits of 30-year fixed mortgages, conscious spending, and the potential of cash value life insurance policies. Adam also touches on infinite banking and the FIRE movement, offering practical tips for managing money and achieving financial independence. Learn More About The Shred Method Adam's LinkdenIn Profile

Don't miss out on the next #womenintech podcast episode, get notified by signing up here http://womenintechshow.com.Be featured in the Women in Tech Community by creating your profile here http://womenintechvip.com“Tyler Borchardt: Photographer and Creative Director”    #womenintech Show is a WeAreTech.fm production.Become a Most Valuable Listener at http://womenintech.loveTo support the Women in Tech podcast go to https://www.patreon.com/womenintechTo be featured on the podcast go to http://womenintechshow.com/featureHost,Espree Devora https://twitter.com/espreedevorahttps://www.linkedin.com/in/espreeGuest, Tyler Borchardt https://www.linkedin.com/in/tylerborchardtIn LA? Here's some awesome resources for you to become immersed in the LA Tech scene -For a calendar of all LA Startup events go to, http://WeAreLATech.comGet Podcast Listeners, http://getpodcastlisteners.com/Resources Mentioned:Tyler The Girl, https://www.instagram.com/tylerthegirl/Tyler The Girl, https://www.tylerthegirl.studioDogecoin, https://dogecoin.comLegal Zoom, https://www.legalzoom.comDiary of A CEO, https://podcasts.apple.com/gb/podcast/the-diary-of-a-ceo-with-steven-bartlett/id1291423644Credits:Produced and Hosted by Espree Devora, http://espreedevora.comStory Produced, Edited and Mastered by Cory Jennings, https://www.coryjennings.comProduction and Voiceover by Adam Carroll, http://www.ariacreative.caTeam support by Janice GeronimoMusic by Jay Huffman, https://soundcloud.com/jayhuffmanShort Title: Tyler Borchardt

Don't miss out on the next #womenintech podcast episode, get notified by signing up here http://womenintechshow.com.Be featured in the Women in Tech Community by creating your profile here http://womenintechvip.com“Stacy Pavlyshyna of Awesomic: Get Matched With The Best-fit Designer”    #womenintech Show is a WeAreTech.fm production.Become a Most Valuable Listener at http://womenintech.loveTo support the Women in Tech podcast go to https://www.patreon.com/womenintechTo be featured on the podcast go to http://womenintechshow.com/featureHost,Espree Devora https://twitter.com/espreedevorahttps://www.linkedin.com/in/espreeGuest, Stacy Pavlyshynahttps://ua.linkedin.com/in/stacy-pavlyshynaIn LA? Here's some awesome resources for you to become immersed in the LA Tech scene -For a calendar of all LA Startup events go to, http://WeAreLATech.comGet Podcast Listeners, http://getpodcastlisteners.com/Resources Mentioned:Awesomic, https://www.awesomic.comY Combinator, https://www.ycombinator.comHackathon, https://www.hackathon.comThe Hard Things About Hard Things, https://www.amazon.com/Hard-Thing-About-Things-Building/dp/0062273205Bookface, https://bookface.ycombinator.comPeople Mentioned:Jason Fried, https://x.com/jasonfriedAmy Buechler, https://www.linkedin.com/in/amybuechlerCredits:Produced and Hosted by Espree Devora, http://espreedevora.comStory Produced, Edited and Mastered by Cory Jennings, https://www.coryjennings.comProduction and Voiceover by Adam Carroll, http://www.ariacreative.caTeam support by Janice GeronimoMusic by Jay Huffman, https://soundcloud.com/jayhuffmanShort Title: Stacy Pavlyshyna 

Don't miss out on the next #womenintech podcast episode, get notified by signing up here http://womenintechshow.com.Be featured in the Women in Tech Community by creating your profile here http://womenintechvip.com“Jeannie Weaver of Boldyn Networks: Building A Connected Future”    #womenintech Show is a WeAreTech.fm production.Become a Most Valuable Listener at http://womenintech.loveTo support the Women in Tech podcast go to https://www.patreon.com/womenintechTo be featured on the podcast go to http://womenintechshow.com/featureHost,Espree Devora https://twitter.com/espreedevorahttps://www.linkedin.com/in/espreeGuest, Jeannie Weaverhttps://www.linkedin.com/in/jeannieweaverIn LA? Here's some awesome resources for you to become immersed in the LA Tech scene -For a calendar of all LA Startup events go to, http://WeAreLATech.comGet Podcast Listeners, http://getpodcastlisteners.com/Resources Mentioned:Boldyn Networks, https://www.boldyn.comCrypto.com, https://crypto.comExit 5, https://www.exitfive.comBuyology, https://www.amazon.com/Buyology-Truth-Lies-About-Why/dp/0385523890The Mastery of Love, https://www.amazon.com/Mastery-Love-Practical-Relationship-Toltec/dp/1878424424Viome, https://www.viome.comPeople Mentioned:Princess Sarah Culberson, https://www.instagram.com/iamprincessscCredits:Produced and Hosted by Espree Devora, http://espreedevora.comStory Produced, Edited and Mastered by Cory Jennings, https://www.coryjennings.comProduction and Voiceover by Adam Carroll, http://www.ariacreative.caTeam support by Janice GeronimoMusic by Jay Huffman, https://soundcloud.com/jayhuffmanShort Title: Jeannie Weaver

Debt-Free Dreams: Mastering the SHRED Method for Financial Freedom with Adam Carroll - Part 3 of 3 In this final episode of our three-part series with financial expert Adam Carroll, we're exploring innovative strategies for achieving financial freedom. Carroll introduces us to his groundbreaking "SHRED method," a system designed to accelerate the payoff of mortgages and high-interest debt using bank systems and home equity lines of credit (HELOC) effectively. He stresses the importance of understanding the energetics and psychology of money, alongside prudent expense management and strategic reduction of major lifetime costs like taxes and debt interest. Throughout the discussion, Carroll shares invaluable tips for wealth creation, tax minimization, and real estate investment. He emphasizes the need for disciplined spending, consistent income, and a willingness to adopt a fresh perspective on money management to succeed with the shred method. Additionally, Carroll dives into the FIRE movement (Financially Independent, Retire Early), offering guidance for individuals at different stages of their financial journey. He highlights the potential to leverage current assets and income to significantly enhance long-term financial stability and freedom. Join us as we conclude this series with a wealth of insights and practical advice for mastering your finances and building a path to lasting prosperity and freedom.   What we discuss with Adam: + Diving Deep into Debt, Mortgages, and the Shred Method + The Real Cost of Debt and How to Minimize It + Exploring the Shred Method: A Revolutionary Approach to Debt + Understanding the HELOC Strategy and Its Impact + Exploring Underutilized Financial Strategies + Navigating Estate Settlement and Early Retirement + The Shred Method: A Game-Changer in Debt Management + Embracing the FIRE Movement for Financial Independence + Strategies for a Comfortable Retirement + The Power of the Shred Method in Real-Life Scenarios + Final Thoughts on Financial Health and Wealth Building + Reflecting on the Journey and Future Possibilities   Tune in for more with Adam in Parts 1 and 2 of this series!   Resources from this Episode: The Shred Method   Thank you Adam! To connect with Adam, click here.   Sign up for our FREE Business Course - Understand the 7 Phases of A business, so you know where you are now and where you need to go next! Go to https://www.millionaireuniversity.com/training.   If you enjoyed this episode with Adam, let us know by clicking on any of the links below to send him a quick shout-out: Instagram, Twitter, Facebook, Youtube, TikTok and LinkedIn. We'd love to hear from you!   And if you want us to answer your business questions on an upcoming episode, drop us a line at support@millioinaireuniversity.com.

Mind Over Money - Unpacking the Psychology of Wealth with Adam Carroll- Part 2 of 3 We're back with part two of a three-part series with guest Adam Carroll, focusing on the psychology of money, the energy behind it, and how our beliefs and childhood narratives shape our financial behaviors. Kirsten leads a candid conversation, exploring how our childhood experiences and upbringing influence our relationship with money. Adam shares valuable insights on rewiring our money mindset for success by challenging deeply ingrained beliefs. The discussion highlights the importance of balancing earning and saving in achieving financial goals, as well as viewing money as a tool for enjoyment and fulfillment. This episode encourages listeners to reflect on their earliest money memories and upbringing to gain insight into their financial decisions. Join us as we uncover the energy behind our financial choices and strive for greater financial empowerment.   What we discuss with Adam: + Debunking Money Myths: A New Perspective +Unveiling Personal Money Stories: A Vulnerable Conversation +The Psychology of Money: Understanding Our Financial Behaviors + A Unique Approach to Money: Personifying Financial Relationships + Exploring Childhood Money Memories: Unpacking Financial Beliefs + Navigating the Complexities of Money: A Journey Through Personal Finance + Reprogramming Money Scripts: Towards Financial Abundance + Self-Reflection and Money: Asking the Right Questions + Exploring Financial Beliefs and Habits + The 80/20 Rule for Financial Health + Offense and Defense in Financial Planning + The Power of Money Psychology and Beliefs + Aligning Actions with Financial Goals + The Importance of Receiving in Wealth Building + Balancing Generosity and Financial Wisdom   Tune in for more with Adam in Parts 1 and 3 of this series!   Resources from this Episode: Adam's Full TedX Talk   Thank you Adam! To connect with Adam, click here.   Sign up for our FREE Business Course - Understand the 7 Phases of A business, so you know where you are now and where you need to go next! Go to https://www.millionaireuniversity.com/training.   If you enjoyed this episode with Adam, let us know by clicking on any of the links below to send him a quick shout-out: Instagram, Twitter, Facebook, Youtube, TikTok and LinkedIn. We'd love to hear from you!   And if you want us to answer your business questions on an upcoming episode, drop us a line at support@millioinaireuniversity.com.

Monopoly Money Mastery: Teaching Kids the Value of Wealth with Adam Carroll - Part 1 of 3 We're kicking off a three-part series with Adam Carroll, a financial education advocate who's changing the game when it comes to teaching kids and adults about money. Adam's not your average finance guru – he's all about hands-on learning and practical strategies that make a real difference.We kick things off by exploring Adam's unique approach to teaching kids about financial responsibility. Picture this: a game of Monopoly where real cash is on the line. Adam's innovative methods promote open discussions about finances and involve children in budget decisions from an early age. It's all about setting the foundation for a lifetime of smart money management.   What we discuss with Adam: + Adam's Rocky Financial Beginnings and What Changed +The Journey to Financial Wisdom and Massive Debt Payoff +The Monopoly Game That Changed Everything For Adam's Kids +What Contributes To The Way We Play With Our Own Money +Creative Ways to Teach Kids About Money and Saving +Core Truths About Money And Beliefs Everyone Needs To Learn +How To Start Small And Simple With Saving For The Future   Tune in for more with Adam in Parts 2 and 3 of this series!   Resources from this Episode: Adam's Full TedX Talk   Thank you Adam! To connect with Adam, click here.   Sign up for our FREE Business Course - Understand the 7 Phases of A business, so you know where you are now and where you need to go next! Go to https://www.millionaireuniversity.com/training.   If you enjoyed this episode with Adam, let us know by clicking on any of the links below to send him a quick shout-out: Instagram, Twitter, Facebook, Youtube, TikTok and LinkedIn. We'd love to hear from you!   And if you want us to answer your business questions on an upcoming episode, drop us a line at support@millioinaireuniversity.com.

Debt-Free Dreams: Mastering the SHRED Method for Financial Freedom with Adam Carroll - Part 3 of 3 In this final episode of our three-part series with financial expert Adam Carroll, we're exploring innovative strategies for achieving financial freedom. Carroll introduces us to his groundbreaking "SHRED method," a system designed to accelerate the payoff of mortgages and high-interest debt using bank systems and home equity lines of credit (HELOC) effectively. He stresses the importance of understanding the energetics and psychology of money, alongside prudent expense management and strategic reduction of major lifetime costs like taxes and debt interest. Throughout the discussion, Carroll shares invaluable tips for wealth creation, tax minimization, and real estate investment. He emphasizes the need for disciplined spending, consistent income, and a willingness to adopt a fresh perspective on money management to succeed with the shred method. Additionally, Carroll dives into the FIRE movement (Financially Independent, Retire Early), offering guidance for individuals at different stages of their financial journey. He highlights the potential to leverage current assets and income to significantly enhance long-term financial stability and freedom. Join us as we conclude this series with a wealth of insights and practical advice for mastering your finances and building a path to lasting prosperity and freedom. What we discuss with Adam: + Diving Deep into Debt, Mortgages, and the Shred Method + The Real Cost of Debt and How to Minimize It + Exploring the Shred Method: A Revolutionary Approach to Debt + Understanding the HELOC Strategy and Its Impact + Exploring Underutilized Financial Strategies + Navigating Estate Settlement and Early Retirement + The Shred Method: A Game-Changer in Debt Management + Embracing the FIRE Movement for Financial Independence + Strategies for a Comfortable Retirement + The Power of the Shred Method in Real-Life Scenarios + Final Thoughts on Financial Health and Wealth Building + Reflecting on the Journey and Future Possibilities Tune in for more with Adam in Parts 1 and 2 of this series! Resources from this Episode: The Shred Method Use code: "MU" at checkout to save $300! Thank you Adam! To connect with Adam, click here. Sign up for our FREE Business Course - Understand the 7 Phases of A business, so you know where you are now and where you need to go next! Go to https://www.millionaireuniversity.com/training. If you enjoyed this episode with Adam, let us know by clicking on any of the links below to send him a quick shout-out: Instagram, Twitter, Facebook, Youtube, TikTok and LinkedIn. We'd love to hear from you! And if you want us to answer your business questions on an upcoming episode, drop us a line at support@millioinaireuniversity.com. Learn more about your ad choices. Visit megaphone.fm/adchoices

Mind Over Money - Unpacking the Psychology of Wealth with Adam Carroll- Part 2 of 3 We're back with part two of a three-part series with guest Adam Carroll, focusing on the psychology of money, the energy behind it, and how our beliefs and childhood narratives shape our financial behaviors. Kirsten leads a candid conversation, exploring how our childhood experiences and upbringing influence our relationship with money. Adam shares valuable insights on rewiring our money mindset for success by challenging deeply ingrained beliefs. The discussion highlights the importance of balancing earning and saving in achieving financial goals, as well as viewing money as a tool for enjoyment and fulfillment. This episode encourages listeners to reflect on their earliest money memories and upbringing to gain insight into their financial decisions. Join us as we uncover the energy behind our financial choices and strive for greater financial empowerment. What we discuss with Adam: + Debunking Money Myths: A New Perspective + Unveiling Personal Money Stories: A Vulnerable Conversation + The Psychology of Money: Understanding Our Financial Behaviors + A Unique Approach to Money: Personifying Financial Relationships + Exploring Childhood Money Memories: Unpacking Financial Beliefs + Navigating the Complexities of Money: A Journey Through Personal Finance + Reprogramming Money Scripts: Towards Financial Abundance + Self-Reflection and Money: Asking the Right Questions + Exploring Financial Beliefs and Habits + The 80/20 Rule for Financial Health + Offense and Defense in Financial Planning + The Power of Money Psychology and Beliefs + Aligning Actions with Financial Goals + The Importance of Receiving in Wealth Building + Balancing Generosity and Financial Wisdom Tune in for more with Adam in Parts 1 and 3 of this series! Resources from this Episode: Adam's Full TedX Talk Thank you Adam! To connect with Adam, click here. Sign up for our FREE Business Course - Understand the 7 Phases of A business, so you know where you are now and where you need to go next! Go to https://www.millionaireuniversity.com/training. If you enjoyed this episode with Adam, let us know by clicking on any of the links below to send him a quick shout-out: Instagram, Twitter, Facebook, Youtube, TikTok and LinkedIn. We'd love to hear from you! And if you want us to answer your business questions on an upcoming episode, drop us a line at support@millioinaireuniversity.com. Learn more about your ad choices. Visit megaphone.fm/adchoices

Monopoly Money Mastery: Teaching Kids the Value of Wealth with Adam Carroll - Part 1 of 3 We're kicking off a three-part series with Adam Carroll, a financial education advocate who's changing the game when it comes to teaching kids and adults about money. Adam's not your average finance guru – he's all about hands-on learning and practical strategies that make a real difference.We kick things off by exploring Adam's unique approach to teaching kids about financial responsibility. Picture this: a game of Monopoly where real cash is on the line. Adam's innovative methods promote open discussions about finances and involve children in budget decisions from an early age. It's all about setting the foundation for a lifetime of smart money management. What we discuss with Adam: + Adam's Rocky Financial Beginnings and What Changed +The Journey to Financial Wisdom and Massive Debt Payoff +The Monopoly Game That Changed Everything For Adam's Kids +What Contributes To The Way We Play With Our Own Money +Creative Ways to Teach Kids About Money and Saving +Core Truths About Money And Beliefs Everyone Needs To Learn +How To Start Small And Simple With Saving For The Future Tune in for more with Adam in Parts 2 and 3 of this series! Resources from this Episode: Adam's Full TedX Talk Thank you Adam! To connect with Adam, click here. Sign up for our FREE Business Course - Understand the 7 Phases of A business, so you know where you are now and where you need to go next! Go to https://www.millionaireuniversity.com/training. If you enjoyed this episode with Adam, let us know by clicking on any of the links below to send him a quick shout-out: Instagram, Twitter, Facebook, Youtube, TikTok and LinkedIn. We'd love to hear from you! And if you want us to answer your business questions on an upcoming episode, drop us a line at support@millioinaireuniversity.com. Learn more about your ad choices. Visit megaphone.fm/adchoices

How do you teach your kids about money? A recent survey from Thriving Wallet found that 90% of Americans say money impacts their stress level. How do we change this? It starts by raising kids comfortable with money and giving them the tools to make smart money decisions. Our guest, Adam Carroll, a renowned financial literacy expert, celebrated author, and captivating speaker who has delivered over 1,000 speaking engagements worldwide and has a Ted Talk with over 6 million views, has some ideas on how to teach your kids about money that will change everything for you and your kids. He believes it starts with getting cash in your kid's hands when they are five or six. Give them a dollar per year of their age per week and have them start making money decisions with that money. But there's a bigger piece here that most of us didn't understand when we were kids. How you as parents talk about money, interact with money, or don't talk about money directly impacts your kid's relationship with money growing up and is at the root of how they spend and save money. It's programmed into us as kids. So, to raise kids who are smart with money, Adam says, you have to be aware of how you, as the parent, interact with money. Links Adam's website Adam's TED talk Thank you for being a part of our community! We couldn't do it without you. To support the show, please subscribe or share the word about this show in your circles. Sign up for our newsletter or follow me on Instagram to keep up with everything happening in the world of Everyone's Talkin' Money. You can download 10 Money Questions to Ask Yourself Free Money Guide https://etmpod.link/10moneyq and leave a 5-star Review here https://ratethispodcast.com/etm.  Episodes will be live on YouTube in March. Subscribe now https://www.youtube.com/@EveryonesTalkinMoney.  Sign up now for my course, Unf*ck Your Money, which is open until April 3rd. Visit etmpodlink.com/unfmoneycourse and use code ETM for a $100 discount at checkout. SPONSORS Thanks to NerdWallet for sponsoring the show. Don't wait to make smart financial decisions. Compare and find smarter credit cards, savings accounts, and more today at www.nerdwallet.com. Thanks to Monarch for sponsoring the show. ​​After trying out Monarch for myself, I understand why it's the top-rated personal finance app. Listeners of this show will get an extended thirty-day free trial when you go to www.monarchmoney.com/ETM.  Thanks to EarnIn for sponsoring the show. Just download the EarnIn app in Google Play of the Apple App store and use code Talkin Money under Podcast. Thanks to Noom for sponsoring the show. Start taking control of your weight management and join the millions who have lost weight with Noom. Sign up for your TRIAL today at www.noom.com.   Thanks to ButcherBox for sponsoring the show. Sign up today at www.butcherbox.com/etm and use code ETM to get $20 off your first order. Thanks to DelelteMe for sponsoring the show. Today get 20% off your DeleteMe plan when you go to www.JoinDeleteMe.com/ETM and use promo code ETM at checkout.  Learn more about your ad choices. Visit megaphone.fm/adchoices

Do you know the actual cost of long-term debts like mortgages and student loans? Linzy's guest Adam Carroll works with college students to teach financial literacy skills, and he works with people in all life stages to help them reconsider how to view and manage long-term debts.Adam shares that these long-term debts, such as mortgages, ongoing credit card debt, and student loans, can be handled in a drastically different way that can free up tremendous amounts of money by paying off the debt quickly. Adam illuminates the way that debt can prevent financial freedom, and he talks with Linzy about how managing those long-term debts differently can profoundly change people's lives. Adam teaches this approach within the program he founded called The Shred Method. For a full transcript of the episode and much more, check out the blog post on our website! To watch a video version of this, check it out on YouTube: https://youtu.be/dXDUe5vPz2gConnect with AdamLearn more about Adam Carroll on his different platforms:www.AdamCarroll.infowww.instagram.com/Adam.Carrollwww.instagram.com/The.ShredMethodhttps://www.linkedin.com/in/adamcarrollspeaks/https://www.youtube.com/adamcarrollspeakerGet Linzy's FREE Mini-TrainingIf you're a therapist who is ready to work on your beliefs about money, make sure you check out my free mini-training!The Secret to Getting Unstuck in Your Finances is a quick, and POWERFUL, first step to building a new relationship with money that is essential to getting your finances in order: https://workshops.moneyskillsfortherapists.com/gettingunstuck Want to work with Linzy?Check out the FREE masterclass, The 4 Step Framework to Getting Your Business Finances Totally in Order, where you'll learn the framework that has helped hundreds of therapists go from money confusion and shame to calm and confidence, as well as the three biggest financial mistakes that therapists make. At the end, you'll be invited to join Money Skills for Therapists and get Linzy's support in getting your finances finally working for you. Click here to find a masterclass time that works for you!

This week we had the opportunity to interview Adam Carroll, a leading voice and educator in financial literacy. Adam has decades of experience working with families and business owners who are interested in creating massive efficiencies when it comes to their income and wealth building capacity. Adam Carroll has spent 15 years helping people do more with the money they make. He focuses on the importance of liquidity, hammering away debt, making your money work for you, and compound interest.He is an author of three Amazon best-sellers, a two-time TED talk speaker with over 6 million views on YouTube and TED.com, and is the creator of the Broke, Busted & Disgusted documentary which aired on CNBC and is shown in hundreds of high schools and colleges across the country.Adam is also the host of the Build A Bigger Life podcast, the curator of MasteryOfMoney.com and the founder of The Shred Method™. We spend most of our time talking about The Shred Method and how this fintech tool that Adam created can help people eliminate debt such as mortgages and student loans at a rapid pace.As a quick preview, this is a strategy is where one deposits their discretionary income into a home equity line of credit (HELOC) and makes strategic payments based on an custom algorithm allowing them to dramatically cut down their debt payoff time horizon. If your interest is piqued, stick around for the entire interview where Adam goes in depth on how this process works and how it allowed him to payoff his mortgage twice!