Podcasts about Chfc

In this episode of Stuff About Money They Didn't Teach You in School, Erik Garcia is joined by Miles Clark, Senior Analyst at Nasdaq Dorsey Wright, to explore a simple but important question: what's better—time in the market or timing the market? The conversation opens with a long-term look at how markets have behaved over multi-decade periods and what that data can teach investors when they're deciding what to do with new money, especially when markets are sitting at or near all-time highs. From there, Erik and Miles walk through three common investor approaches: investing a lump sum right away, waiting for a pullback, or easing in over time. They discuss which experiences tend to lead to better long-term outcomes and why those results often surprise people. The conversation also touches on momentum, relative strength, and market breadth, including what it means when market leadership becomes narrow and valuations stretch. The episode wraps up with Miles' thoughts on what matters most heading into 2026, what investors tend to worry about too much, and what deserves more attention moving forward. If you found this episode helpful, follow the show and share it with someone who's still waiting for the “right” time to invest. Episode Highlights: Miles discusses a study showing "Average Joe," who invests $500 monthly regardless of market conditions, outperforms market timers by about $1 million. (07:25) Miles breaks down market breadth through a football analogy: it tells investors whether the market is on offense or defense. (13:20) Miles mentions that in core-dominated markets, the real risk isn't beating the benchmark but simply keeping up with it. (18:55) Miles discusses how Dorsey Wright applies relative strength to identify which assets to hold, focusing on sustained trends rather than short-term news. (22:45) Miles explains how momentum investing rotated out of tech in 2022 into energy and utilities, then back into tech for 2023-2024. (29:30) Erik emphasizes that risk capacity matters more than risk tolerance, which is often driven by emotions about current market conditions. (36:25) Key Quotes: "We don't necessarily have to focus on protecting against the entire market washout. We really just need to protect ourselves against where we're over-concentrated in our portfolios." - Miles Clark "In core-dominated markets, a lot of the risk is actually just not keeping up with the benchmark because it is so strong." - Miles Clark "Finding and earning positive relative strength is just trying to pick those assets that are doing relatively better towards the up or downside than their benchmark." - Miles Clark Resources Mentioned: Miles Clark Nasdaq Dorsey Wright Erik Garcia, CFP®, BFA Xavier Angel, CFP®, ChFC, CLTC Plan Wisely Wealth Advisors

Filing taxes married filing separately can be one of the most powerful tools for lowering income-driven student loan payments. But it's also one of the easiest ways to make costly mistakes if you're not careful. Meagan McGuire, CFP®, ChFC®, CSLP®, walks through what borrowers need to double-check before tax season hits. You'll learn when filing separately actually saves money, when it backfires, and how community property states completely change the math. Key moments: (05:32) Why married filing separately can dramatically lower IDR payments (09:58) Real numbers: comparing tax cost vs. student loan savings (17:28) The Roth IRA trap many married borrowers miss (23:37) Why community property states often create extra student loan savings   Like the show? There are several ways you can help! Follow on Apple Podcasts, Spotify or Amazon Music Leave an honest review on Apple Podcasts  Subscribe to the newsletter Join SLP Insiders for student loan loopholes, SLP app and member community Feeling helpless when it comes to your student loans? Try our free student loan calculator Check out our refinancing bonuses we negotiated Book your custom student loan plan Get profession-specific financial planning Do you have a question about student loans? Leave us a voicemail here or email us at help@studentloanplanner.com and we might feature it in an upcoming show!  

111 Embracing Failure as Fuel for Success | T.R. Richardson at The Liquidity Event. Nov 20, 2025   The Entreprenudist Podcast https://entreprenudist.com At The Liquidity Event November 20, 2025 | Sponsored by Insurance Claim HQ Powered by Hair Shunnarah Trial Attorneys. T.R. Richardson, Chief Training Officer at Richwood International, delivers a transformative message on the power of failure and how it shapes the path to long-term success. In his talk, "Embracing Failure as Fuel for Success," T.R. reveals why setbacks are not signs to stop, but powerful push-forwards that build resilience, sharpen strategy, and strengthen your capacity to win. Whether you're growing a business, leading a team, or navigating personal goals, his insights will challenge the way you view obstacles and equip you to turn every failure into momentum. ------------------ Struggling with a denied or delayed insurance claim? Let the experts at Insurance Claim HQ Powered by Hair Shunnarah Trial Attorneys, help you get what you're owed. Visit https://insuranceclaimhq.com and take the first step toward the settlement you deserve. Hosted by Randolph Love III, ChFC®, The Entreprenudist Podcast is a platform where real entrepreneurs and business owners bare it all. Ranked in the top 10% of business podcasts, it shares unfiltered stories, challenges, and triumphs, providing valuable insights for aspiring and seasoned business leaders alike.

In this episode of Stuff About Money They Didn't Teach You in School, Erik Garcia is joined by Miles Clark, Senior Analyst at Nasdaq Dorsey Wright, to explore a simple but important question: what's better—time in the market or timing the market? The conversation opens with a long-term look at how markets have behaved over multi-decade periods and what that data can teach investors when they're deciding what to do with new money, especially when markets are sitting at or near all-time highs. From there, Erik and Miles walk through three common investor approaches: investing a lump sum right away, waiting for a pullback, or easing in over time. They discuss which experiences tend to lead to better long-term outcomes and why those results often surprise people. The conversation also touches on momentum, relative strength, and market breadth, including what it means when market leadership becomes narrow and valuations stretch. The episode wraps up with Miles' thoughts on what matters most heading into 2026, what investors tend to worry about too much, and what deserves more attention moving forward. If you found this episode helpful, follow the show and share it with someone who's still waiting for the “right” time to invest. Episode Highlights: Miles discusses a study showing "Average Joe," who invests $500 monthly regardless of market conditions, outperforms market timers by about $1 million. (07:25) Miles breaks down market breadth through a football analogy: it tells investors whether the market is on offense or defense. (13:20) Miles mentions that in core-dominated markets, the real risk isn't beating the benchmark but simply keeping up with it. (18:55) Miles discusses how Dorsey Wright applies relative strength to identify which assets to hold, focusing on sustained trends rather than short-term news. (22:45) Miles explains how momentum investing rotated out of tech in 2022 into energy and utilities, then back into tech for 2023-2024. (29:30) Erik emphasizes that risk capacity matters more than risk tolerance, which is often driven by emotions about current market conditions. (36:25) Key Quotes: "We don't necessarily have to focus on protecting against the entire market washout. We really just need to protect ourselves against where we're over-concentrated in our portfolios." - Miles Clark "In core-dominated markets, a lot of the risk is actually just not keeping up with the benchmark because it is so strong." - Miles Clark "Finding and earning positive relative strength is just trying to pick those assets that are doing relatively better towards the up or downside than their benchmark." - Miles Clark Resources Mentioned: Miles Clark Nasdaq Dorsey Wright Erik Garcia, CFP®, BFA Xavier Angel, CFP®, ChFC, CLTC Plan Wisely Wealth Advisors

110 Health Care Made Simple | Understanding ACN Health Solutions The Entreprenudist Podcast https://entreprenudist.com At The Liquidity Event December 18, 2025 | Sponsored by Insurance Claim HQ Powered by Hair Shunnarah Trial Attorneys. Health care can feel overwhelming and confusing, but it does not have to be. In this group presentation, Lorrain Alleyne, Dr Joyce Morgan Powell, Jessie Ferrell, Rodney Black, and Michael Elliot come together to explain how ACN simplifies health care solutions for individuals, families, and businesses. In this session, they cover: -Common misconceptions about health care -How ACN simplifies access to health services -Practical solutions designed for real-life needs -Why clarity and education matter when choosing health coverage This discussion is ideal for anyone seeking a clearer understanding of health care options and how modern solutions can make health care more accessible and manageable. .------------------ Struggling with a denied or delayed insurance claim? Let the experts at Insurance Claim HQ Powered by Hair Shunnarah Trial Attorneys, help you get what you're owed. Visit https://insuranceclaimhq.com and take the first step toward the settlement you deserve. Hosted by Randolph Love III, ChFC®, The Entreprenudist Podcast is a platform where real entrepreneurs and business owners bare it all. Ranked in the top 10% of business podcasts, it shares unfiltered stories, challenges, and triumphs, providing valuable insights for aspiring and seasoned business leaders alike.

As healthcare providers, we're constantly evaluated at work, but rarely taught how to step back and evaluate our own lives. In this episode, I walk you through your Wellness & Wealth Annual Review, which is a reflective, intentional process to help you take stock of your finances, energy, health, time, and overall alignment after another year. This is not about budgets, hustle, or setting rigid resolutions. It's about awareness, compassion, and creating margin so burnout doesn't quietly follow you into another year. To help you follow along (or do this review later), I've created a Wellness & Wealth Annual Review worksheet, a resource designed to make this process simple and actionable. I recommend setting aside 15 to 30 minutes with the worksheet, your favorite cozy beverage, and a quiet space. You don't need perfection- just honesty and curiosity.

✨ Do you feel financially stuck? Now is the time to clean up your financial past… while living in the present… and preparing for an abundant, joy-filled future. ✨Here's to healing the past, enjoying the now, and building a beautiful tomorrow.

109 Contacts to Cashflow: 6-Figure Blueprint + Funding Secrets | Sam Sky   The Entreprenudist Podcast https://entreprenudist.com Running a business is easier when you understand how to turn your existing network into real revenue. In this episode of The Entreprenudist Podcast, we sit down with Sam Sky, CEO of Credit CRB, to unpack the system entrepreneurs use to turn their contact list into a consistent 6-figure income, without the stress, confusion, or guesswork. Sam also breaks down powerful strategies for securing high-limit, low-interest business loans, achieving fast credit repair results, and positioning your business for long-term financial success. In this episode, you'll learn: ✔️ How to turn your contacts into predictable income ✔️ Simple strategies to monetize your network ✔️ How to qualify for high-limit funding ✔️ The secrets to low-interest business loans ✔️ Fast credit repair techniques that actually work ✔️ How to leverage strong credit for business growth ✔️ Why most entrepreneurs leave money on the table Whether you're building a new business or looking to scale, this conversation will help you unlock funding, create cashflow, and use your existing relationships to grow a profitable company. ------------------------- About Sam Sky Sam Sky is the founder of Credit CRB which is known for the Highest-Level Credit Repair in The Country/serving judges, politicians, wealthy businesspeople, agents, and more. Secondly, they are a top tier business loan broker team, specializing in low interest business loans, even if there are blemishes on your credit. Real Deal - Sam Sky has sued and won or settled lawsuits with Equifax, Best Buy, Verizon, and More. Separately, Mr. Sky won a foundation rocking case against Suncoast Credit Union that put all lenders on notice. Author of the famous "The Credit Book", his accolades are on the company website, and the list is long. Podcast hosts book Sam Sky because he doesn't just talk about credit and debt, he demystifies it. He bridges the gap between business owners that want to scale, and some have challenges with complex financial needs all the way to everyday entrepreneurs who want the best rates and want to expand and align their business growth implementation plans.  ----------------  About the Host:  Randolph Love III is the Founder and CEO of ShieldWolf Strongholds, where he helps Franchisors, CPAs, Attorneys, Doctors, Realtors, Contractors, and other Business Owners, Entrepreneurs, Home Owners, and Retirees, secure lasting financial legacies.  He is also a trusted franchise consultant, author of the book The Miracle Money Vehicle: How To Make Money Make Babies, and host of The Liquidity Event, a premier gathering on business growth, financial independence, and legacy planning.  As host of The Entreprenudist Podcast, ranked in the Top 10% worldwide by ListenNotes.com, Randolph shares bold, practical insights that challenge traditional thinking. A sought-after speaker, his dynamic style empowers audiences to reduce taxes legally, grow wealth strategically, and take control of their financial destiny. Additionally, he is also the publisher of The Liquidity Journal, a dynamic publication for business owners, entrepreneurs, executives, retirees, and investors. Focused on leadership, strategy, systems, and motivation, it delivers actionable insights that empower readers to grow, lead, and innovate in today's business world.

108 Learn the Secret of the Rich: How to Save US Taxes Legally | Sally Gimon   The Entreprenudist Podcast https://entreprenudist.com In this episode of The Entreprenudist Podcast, we sit down with Sally Gimon, Owner of TheTrustIsYou.com, to uncover how wealthy individuals legally reduce their US tax burden using strategies most people have never been taught. We explore: -Is this tax strategy legal -Why most CPAs and financial planners do not discuss it -The history behind this approach -What the IRS memo actually says and why it matters This conversation challenges traditional tax planning and sheds light on powerful, compliant strategies used by the wealthy to protect and grow their money. If you are an entrepreneur, business owner, or high-income professional looking to understand legal tax savings at a deeper level, this episode is a must-watch. ------------------------- About Sally Sally was motivated to become a real estate investor when her mom became sick in October 2018. Sally was 53 and needed to make a change in her life quickly. Now she shares her information weekly in her real estate group and Win, Win Women TV. In July 2020 she bought a Bank Owned Property for $20,000 that would go to auction for $50,000 when Covid restrictions lifted. She knew her Capital Gains would be $7,140 and researched how the rich paid so little in taxes. This led her to find the Business and Beneficial Spendthrift Trusts.  ----------------  About the Host:  Randolph Love III is the Founder and CEO of ShieldWolf Strongholds, where he helps Franchisors, CPAs, Attorneys, Doctors, Realtors, Contractors, and other Business Owners, Entrepreneurs, Home Owners, and Retirees, secure lasting financial legacies.  He is also a trusted franchise consultant, author of the book The Miracle Money Vehicle: How To Make Money Make Babies, and host of The Liquidity Event, a premier gathering on business growth, financial independence, and legacy planning.  As host of The Entreprenudist Podcast, ranked in the Top 10% worldwide by ListenNotes.com, Randolph shares bold, practical insights that challenge traditional thinking. A sought-after speaker, his dynamic style empowers audiences to reduce taxes legally, grow wealth strategically, and take control of their financial destiny. Additionally, he is also the publisher of The Liquidity Journal, a dynamic publication for business owners, entrepreneurs, executives, retirees, and investors. Focused on leadership, strategy, systems, and motivation, it delivers actionable insights that empower readers to grow, lead, and innovate in today's business world.

How $100 Can Change Your Financial Wealth!Did you know that the $100 bill can make an impact in your life, and will put you on the pathway to financial abundance? ✨To listen to the whole video, check out Brian Scott's podcast: https://youtu.be/05sNAL62wH8?si=KR1JVGeDzPUXink8Discover the power of a heart-centered approach! Join my free workshop where you'll share your challenges and gain valuable insights to move forward. Sign up for the workshop here: https://www.impactyourlifenow.com/impact-workshop-registration-evergreen-newsletterGet my audio book! https://www.impactyourlifenow.com/ayw-book-order-pageThe Four Spiritual Laws of Money: https://www.impactyourlifenow.com/the-4-spiritual-laws-of-moneyJoin Julie on her mission to heal the world financially.Julie Murphy CLU, ChFC, CFP®, is an independent CERTIFIED FINANCIAL PLANNER™, author, and media expert who wants you to heal your emotions to prosper financially and in life.To Schedule Julie on Your YouTube or Podcast Show... Please email Julie at Julie@JulieMurphy.comhttps://juliemurphy.com/Join our community on social media!http://facebook.com/AwakenWithJuliehttps://www.tiktok.com/@awakenwithjuliehttp://Instagram.com/AwakenWithJuliehttps://www.youtube.com/c/JulieMurphyhttps://anchor.fm/juliemurphyhttp://Twitter.com/AwakenWithJuliehttps://www.linkedin.com/in/juliemariemurphyTOO MANY PEOPLE HAVE FEARS AND OTHER UNHEALTHY EMOTIONS AROUND MONEY. Whether you were born rich, poor, or somewhere in between, money has always been an integral part of your life. However, too many people have fears and other unhealthy emotions around money. These debilitating beliefs are often subconscious, shaped by a lifetime of early experiences seen through other people—not based on objective reality. So can you break free from these restrictive beliefs and emotions, be able to “dream big,”—and actually accomplish your hopes and dreams? The answer is yes: Now, there is a way to harness the powerful energy around money and build real wealth.Beyond Your Wildest Dreams, LLC has no affiliation with LPL Financial, Sequoia Wealth Management, or JMC Wealth Management, Inc.

In this solo episode of Stuff About Money They Didn't Teach You in School, Xavier Angel, CFP®, ChFC®, CLTC, steps behind the mic to wrestle with a tough truth: planning isn't optional, not if you want control over your future. Fresh off his conversation with Giovanni Arenas about Gio's life-threatening condition and remarkable double lung transplant, Xavier gets another call that hits just as hard. A dear friend's cancer has returned, and with it comes the realization that he never put proper business succession plans in place. It is a moment that reveals not just financial vulnerability but emotional fallout, the kind that compounds heartbreak when families are already hurting. Xavier digs deeper into why waiting to plan is one of the costliest decisions a business owner can make. He lays out how proactive planning protects the people you care about most and why delaying those decisions hands your future over to circumstances instead of intention. This episode is an honest call to action: don't wait until life forces your hand. If the message resonates, share the episode with someone who needs the nudge, and make sure you're following the show for more conversations that help you take control before life does it for you. Episode Highlights: Procrastination is a bill that silently compounds, delaying tasks makes them harder to complete, and weighs you down. (01:00) Time is the most valuable asset when building wealth. Every year of waiting meant losing opportunity, not just time. (01:30) Xavier references his previous episode with Giovanni Arenas about his double lung transplant and how quickly life can change. (02:30) Xavier shares a personal story: A close friend's rapidly progressing cancer forced immediate business and family decisions no one was prepared for. (04:10) Xavier outlines action steps: Create a will, establish an estate plan (not just for the wealthy), and build a business continuation plan. (07:10) Planning documents are acts of love and gifts of clarity that ensure your intentions, not others' emotions, guide what happens next. (07:50) Key Quotes: “Procrastination doesn't just slow you down. It widens the gap between where we are today and where we want to be.” - Xavier Angel, CFP®, ChFC®, CLTC “Planning isn't when life is perfect. Planning isn't when life happens, planning now it matters.” - Xavier Angel, CFP®, ChFC®, CLTC “ Take that first step today, no matter how small. Start planning today. Start the conversation, get the documents in place. Build the plan that protects the people and the legacy you want to fulfill your future self and your family will thank you later.” - Xavier Angel, CFP®, ChFC®, CLTC Resources Mentioned: Erik Garcia, CFP®, BFA Xavier Angel, CFP®, ChFC, CLTC Plan Wisely Wealth Advisors

107 Breaking Stagnation: Smarter Decisions & Diversified Income | Rodney Black   The Entreprenudist Podcast https://entreprenudist.com Stagnation doesn't happen overnight, it's the result of repeated decisions that feel safe but limit growth. In this episode, we break down: -Why individuals and business owners get stuck in stagnant decision-making -The importance of risk diversification and why relying on one income stream is dangerous -The real truth about direct sales and network marketing — beyond the stereotypes -How smarter decision-making creates long-term growth and financial resilience If you're ready to challenge outdated thinking and make more intentional, informed choices in business and life, this conversation is for you. ------------------------- About Rodney Rodney Black is a husband, father of three, and a leader driven by purpose. Born in Atlanta, GA, and raised in a small town with a farm and ranch background, Rodney learned early the value of hard work, discipline, and faith — lessons that became the foundation for everything he's built today. As cofounder of The Riser Crew and owner of Your Service Store, Inc., Rodney has made it his mission to help people and businesses rise from the ashes and become the best version of themselves. With more than 32 years of experience in the specialty protein industry through The Meat Brokerage, he has built a trusted reputation for excellence, integrity, and long-term partnerships. Through Your Service Store, Rodney also leads initiatives in Systems Management, helping businesses and individuals improve their operations and efficiency, and The Blue Firm, a marketing and strategy group focused on helping small businesses strengthen their brand and expand their reach.  ----------------  About the Host:  Randolph Love III is the Founder and CEO of ShieldWolf Strongholds, where he helps Franchisors, CPAs, Attorneys, Doctors, Realtors, Contractors, and other Business Owners, Entrepreneurs, Home Owners, and Retirees, secure lasting financial legacies.  He is also a trusted franchise consultant, author of the book The Miracle Money Vehicle: How To Make Money Make Babies, and host of The Liquidity Event, a premier gathering on business growth, financial independence, and legacy planning.  As host of The Entreprenudist Podcast, ranked in the Top 10% worldwide by ListenNotes.com, Randolph shares bold, practical insights that challenge traditional thinking. A sought-after speaker, his dynamic style empowers audiences to reduce taxes legally, grow wealth strategically, and take control of their financial destiny. Additionally, he is also the publisher of The Liquidity Journal, a dynamic publication for business owners, entrepreneurs, executives, retirees, and investors. Focused on leadership, strategy, systems, and motivation, it delivers actionable insights that empower readers to grow, lead, and innovate in today's business world.

In this solo episode of Stuff About Money They Didn't Teach You in School, Xavier Angel, CFP®, ChFC®, CLTC, steps behind the mic to wrestle with a tough truth: planning isn't optional, not if you want control over your future. Fresh off his conversation with Giovanni Arenas about Gio's life-threatening condition and remarkable double lung transplant, Xavier gets another call that hits just as hard. A dear friend's cancer has returned, and with it comes the realization that he never put proper business succession plans in place. It is a moment that reveals not just financial vulnerability but emotional fallout, the kind that compounds heartbreak when families are already hurting. Xavier digs deeper into why waiting to plan is one of the costliest decisions a business owner can make. He lays out how proactive planning protects the people you care about most and why delaying those decisions hands your future over to circumstances instead of intention. This episode is an honest call to action: don't wait until life forces your hand. If the message resonates, share the episode with someone who needs the nudge, and make sure you're following the show for more conversations that help you take control before life does it for you. Episode Highlights: Procrastination is a bill that silently compounds, delaying tasks makes them harder to complete, and weighs you down. (01:00) Time is the most valuable asset when building wealth. Every year of waiting meant losing opportunity, not just time. (01:30) Xavier references his previous episode with Giovanni Arenas about his double lung transplant and how quickly life can change. (02:30) Xavier shares a personal story: A close friend's rapidly progressing cancer forced immediate business and family decisions no one was prepared for. (04:10) Xavier outlines action steps: Create a will, establish an estate plan (not just for the wealthy), and build a business continuation plan. (07:10) Planning documents are acts of love and gifts of clarity that ensure your intentions, not others' emotions, guide what happens next. (07:50) Key Quotes: “Procrastination doesn't just slow you down. It widens the gap between where we are today and where we want to be.” - Xavier Angel, CFP®, ChFC®, CLTC “Planning isn't when life is perfect. Planning isn't when life happens, planning now it matters.” - Xavier Angel, CFP®, ChFC®, CLTC “ Take that first step today, no matter how small. Start planning today. Start the conversation, get the documents in place. Build the plan that protects the people and the legacy you want to fulfill your future self and your family will thank you later.” - Xavier Angel, CFP®, ChFC®, CLTC Resources Mentioned: Erik Garcia, CFP®, BFA Xavier Angel, CFP®, ChFC, CLTC Plan Wisely Wealth Advisors

106 How to Have Better Client Conversations | Expert Strategies with Mike Milan "Cash Flow Mike"   OcZLmOaBv0O9WtkOvXMs   The Entreprenudist Podcast https://entreprenudist.com In this episode of The Entreprenudist Podcast, we sit down with Mike Milan, a respected business strategist known for helping entrepreneurs strengthen client relationships, improve communication, and close deals more effectively. Mike breaks down the real skills behind better client conversations, including: -How to ask questions that uncover client needs -What most business owners get wrong in client discussions -How to build trust fast -The mindset shift that leads to more productive interactions -How to communicate value clearly, without sounding salesy -Practical techniques you can use in your next meeting Whether you're a coach, consultant, business owner, or entrepreneur, this conversation gives you the tools to connect deeper, communicate better, and convert more confidently. -------------------------- About Cash Flow Mike Meet Cash Flow Mike, a business advisor, author, and the creator of the Clear Path to Cash. He's trained over 25,000 business owners, accountants, and bankers, uncovering more than $150 million in hidden cash. Mike helps listeners understand their numbers fast—so they can grow profit, improve cash flow, and build a more valuable business  ----------------  About the Host:  Randolph Love III is the Founder and CEO of ShieldWolf Strongholds, where he helps Franchisors, CPAs, Attorneys, Doctors, Realtors, Contractors, and other Business Owners, Entrepreneurs, Home Owners, and Retirees, secure lasting financial legacies.  He is also a trusted franchise consultant, author of the book The Miracle Money Vehicle: How To Make Money Make Babies, and host of The Liquidity Event, a premier gathering on business growth, financial independence, and legacy planning.  As host of The Entreprenudist Podcast, ranked in the Top 10% worldwide by ListenNotes.com, Randolph shares bold, practical insights that challenge traditional thinking. A sought-after speaker, his dynamic style empowers audiences to reduce taxes legally, grow wealth strategically, and take control of their financial destiny. Additionally, he is also the publisher of The Liquidity Journal, a dynamic publication for business owners, entrepreneurs, executives, retirees, and investors. Focused on leadership, strategy, systems, and motivation, it delivers actionable insights that empower readers to grow, lead, and innovate in today's business world.

105 From Navy Vet to Multi-Industry Investor: Marcus Norman Reveals Wealth Strategies That Work The Entreprenudist Podcast https://entreprenudist.com Welcome to another game-changing episode of The Entreprenudist Podcast, the show where real entrepreneurs and business owners tell their stories with transparency, strategy, and truth. In this episode, we sit with Marcus Norman, a Navy veteran turned multi-industry investor known for his expertise in: -House Hacking -ATM Business Ownership Real Estate Investing -Starting a Business vs Buying a Franchise -Growing a Successful Podcast -Investing in CBD & Hemp -Understanding What Makes Money, Not Hype Marcus breaks down: -How he went from a five-bedroom liability to cash-flowing real estate -The mindset shift that separates successful investors from those stuck in analysis paralysis -How to truly understand how an investment makes money -Why working with experts is not optional His personal journey from the Virgin Islands to the military… and into wealth creation

Forget the word ‘budget.' It's time to focus on what you want to make, do, and build—not what you can't.To listen to the whole video, check out Brian Scott's podcast: https://youtu.be/05sNAL62wH8?si=KR1JVGeDzPUXink8Discover the power of a heart-centered approach! Join my free workshop where you'll share your challenges and gain valuable insights to move forward. Sign up for the workshop here: https://www.impactyourlifenow.com/impact-workshop-registration-evergreen-newsletterGet my audio book! https://www.impactyourlifenow.com/ayw-book-order-pageThe Four Spiritual Laws of Money: https://www.impactyourlifenow.com/the-4-spiritual-laws-of-moneyJoin Julie on her mission to heal the world financially.Julie Murphy CLU, ChFC, CFP®, is an independent CERTIFIED FINANCIAL PLANNER™, author, and media expert who wants you to heal your emotions to prosper financially and in life.To Schedule Julie on Your YouTube or Podcast Show... Please email Julie at Julie@JulieMurphy.comhttps://juliemurphy.com/Join our community on social media!http://facebook.com/AwakenWithJuliehttps://www.tiktok.com/@awakenwithjuliehttp://Instagram.com/AwakenWithJuliehttps://www.youtube.com/c/JulieMurphyhttps://anchor.fm/juliemurphyhttp://Twitter.com/AwakenWithJuliehttps://www.linkedin.com/in/juliemariemurphyTOO MANY PEOPLE HAVE FEARS AND OTHER UNHEALTHY EMOTIONS AROUND MONEY. Whether you were born rich, poor, or somewhere in between, money has always been an integral part of your life. However, too many people have fears and other unhealthy emotions around money. These debilitating beliefs are often subconscious, shaped by a lifetime of early experiences seen through other people—not based on objective reality. So can you break free from these restrictive beliefs and emotions, be able to “dream big,”—and actually accomplish your hopes and dreams? The answer is yes: Now, there is a way to harness the powerful energy around money and build real wealth.Beyond Your Wildest Dreams, LLC has no affiliation with LPL Financial, Sequoia Wealth Management, or JMC Wealth Management, Inc.

104 Startups Beware: The Legal Traps Every Founder Faces |  Matthew Fornaro, P.A.   The Entreprenudist Podcast https://entreprenudist.com Running a business without understanding the law is one of the biggest risks an entrepreneur can take. In this episode of The Entreprenudist Podcast, we sit down with Matthew Fornaro, attorney and founder of Matthew Fornaro, P.A., a law firm dedicated to helping businesses, entrepreneurs, and startups navigate complex legal challenges. Matthew breaks down the essential protections every business owner needs, the silent legal threats entrepreneurs overlook, and the costly mistakes that can derail your entire company. In this episode, you'll learn: ✔️ The most common legal risks startups face ✔️ Why solid contracts protect your business more than you think ✔️ Intellectual property basics every founder should understand ✔️ Partnership and equity pitfalls to avoid ✔️ Compliance issues that can quietly sink a business ✔️ When to hire a lawyer and the right questions to ask Whether you're launching a new venture or scaling a growing business, this conversation is packed with practical legal guidance to keep your company protected and future-ready.

In this episode, Regan Archibald shifts the conversation from physical longevity to financial longevity, exploring why financial stability is one of the strongest predictors of overall health. Joined by wealth experts Bryan Sweet and Sonu Varghese, the discussion unpacks the biggest risks entrepreneurs face—especially unexpected tax burdens when selling a business—and introduces the powerful concept of creating a “tax asset” to offset capital gains without losing investment growth. Through real case studies, they reveal how proactive planning, strategic portfolio design, and collaboration with the right advisors can save clients hundreds of thousands to millions in taxes while maintaining liquidity, reducing risk, and fueling long-term lifestyle freedom. The episode emphasizes that true longevity requires both optimized health and optimized finances—and that smart tax strategy is essential to building the ageless future you envision. Bryan J. Sweet, CLU, ChFC, MSFS, is the Managing Partner and Wealth Advisor at Sweet Financial Partners and a multi-year Forbes Best-in-State Wealth Advisor. Since launching his career in 1979, he has helped clients design purposeful retirements through his proprietary framework, The Dream Architect™, which blends strategic distribution planning with achieving life's biggest goals. Bryan also co-leads the Elite Wealth Advisor Symposium, mentoring top advisors nationwide in scaling, marketing, and team excellence. His passion is helping others build world-class practices while creating the freedom to live their own dream-driven lives.Personal LinkedIn: https://www.linkedin.com/in/bryansweet/ SFP LinkedIn: https://www.linkedin.com/company/sweet-financial- partners/mycompany/?viewAsMember=true SFP Website: https://sweetfinancial.com/ EWAS Website: https://www.ewasymposium.com/ewas-home Sonu has over 20 years of experience in the asset management industry and leads Carson Group's asset allocation team, shaping the firm's market outlook and providing macro, policy, and portfolio guidance to more than 130 partners overseeing $42 billion in assets. He manages multiple strategic and tactical allocation models on the Carson Investment platform and specializes in the intersection of markets, the economy, and policy. Previously, he served as Partner and Director of Research at Convex Capital Management, where he co-managed portfolios and developed proprietary economic indicators across 30 countries. Sonu began his finance career while completing his Ph.D. in Mechanical Engineering at Purdue University, following both an M.S. from Purdue and a B.E. from the National Institute of Technology in India.LinkedIn: https://www.linkedin.com/in/sonu-varghese-phd/  X: https://x.com/sonusvarghese  LIKE/FOLLOW/SUBSCRIBE AGELESS FUTURE:YouTube -https://www.youtube.com/@ReganArchibald / https://www.youtube.com/@Ageless.FutureLinkedIn: https://www.linkedin.com/in/regan-archibald-ab70b813Instagram: https://www.instagram.com/ageless.future/Facebook: https://www.facebook.com/AgelessFutureHealth/

✨ Clean up your financial past… while living in the present… and preparing for an abundant, joy-filled future. ✨If you only focus on paying off debt, you get trapped in budgets, restriction, and frustration. But when you reconnect with joy—your giggle—you create a healthier relationship with money and a life that actually feels good.That's exactly what I break down in Awaken Your Wealth.You can get your copy here: https://juliemurphy.com/product/Awaken-Your-Wealth-Book-PaperbackHere's to healing the past, enjoying the now, and building a beautiful tomorrow.

Retirement Planning & The Canoe and the Current with Patrick J. Nagato, ChFC Host Kevin Williams is joined by Patrick J. Nagato, ChFC, retirement income strategist and author of The Canoe and the Current. Patrick has worked in the financial services industry since 1997, beginning his career in life insurance and financial services before moving into investment management, wholesaling, and leadership roles. Over the years, he built experience across RIAs, insurance carriers, and management positions before returning to personal financial planning—where he now specializes in retirement income strategies.  Patrick is the author of The Canoe and the Current, a retirement metaphor designed to help clients understand how to build reliable lifetime income ("the canoe") and confidently navigate market participation ("the current"). His approach focuses on clarity, human-centered planning, and helping clients transition from fear and uncertainty to confidence and purpose.  Patrick Nagato & The Canoe and the Current Website: https://canoeandcurrent.com LinkedIn: Patrick Nagato Book: The Canoe and the Current (available on Amazon) For media inquiries or speaking requests, please contact Patrick via LinkedIn.

103 The Realities of Business, Leadership & Public Adjusting | A Deep Dive with Jack Hanks   The Entreprenudist Podcast https://entreprenudist.com In this episode of The Entreprenudist Podcast, we sit down with Jack Hanks | President of VPA Claims, for one of the most honest and wide-ranging conversations in the industry. Jack shares decades of business experience, revealing the lessons, mistakes, insights, and realities that shaped his journey. From the early challenges of entering the public adjusting world to navigating acquisitions, leadership, private equity, due diligence, and building a reputation , nothing is off the table. -------------------------- VPA Public Claims Adjusting At VPA Claims, we fight for property owners, not insurance companies. Our experienced team, led by Jack Hanks, guides you through the entire claims process, from assessment to negotiation, ensuring you get the maximum settlement you deserve. Don't navigate your insurance claim alone. Contact VPA Claims today for a free consultation and let us handle the hard work while you focus on restoring your home or business. visit https://www.vpa.claims/ to get started!  ----------------  About the Host:  Randolph Love III is the Founder and CEO of ShieldWolf Strongholds, where he helps Franchisors, CPAs, Attorneys, Doctors, Realtors, Contractors, and other Business Owners, Entrepreneurs, Home Owners, and Retirees, secure lasting financial legacies.  He is also a trusted franchise consultant, author of the book The Miracle Money Vehicle: How To Make Money Make Babies, and host of The Liquidity Event, a premier gathering on business growth, financial independence, and legacy planning.  As host of The Entreprenudist Podcast, ranked in the Top 10% worldwide by ListenNotes.com, Randolph shares bold, practical insights that challenge traditional thinking. A sought-after speaker, his dynamic style empowers audiences to reduce taxes legally, grow wealth strategically, and take control of their financial destiny. Additionally, he is also the publisher of The Liquidity Journal, a dynamic publication for business owners, entrepreneurs, executives, retirees, and investors. Focused on leadership, strategy, systems, and motivation, it delivers actionable insights that empower readers to grow, lead, and innovate in today's business world.

In this solo episode of the Stuff About Money podcast, host Erik Garcia, CFP®, ChFC®, BFA™ sits down for a candid one-on-one about goals. Not the shiny, New-Year's-resolution kind, but the messy, honest kind we whisper to ourselves when no one's listening. Erik shares two personal moments that reshaped how he thinks about goal setting, including the year Dr. Matt Morris bluntly told him, “You just made a bad goal,” and the overly ambitious golf objective that nearly convinced him to quit the game altogether. These stories spark a bigger conversation about why we so often overestimate what we can accomplish in the short term and underestimate what we're capable of over the long haul. In the second half of the episode, Erik unpacks a healthier, more realistic framework for pursuing goals — especially financial ones. Instead of obsessing over hitting a number by a certain date, he encourages listeners to think of goals as direction and objectives as the checkpoints that keep them moving forward. Erik explores why grace, awareness, and better-designed goals lead to more progress and less burnout. If this episode resonates with you, share it with someone who needs a fresh perspective on goal setting, and make sure you're following the show for more conversations that help you move toward a wiser, more intentional financial life. Episode Highlights: Erik discusses why traditional goal-setting frameworks and New Year's resolutions aren't the focus, emphasizing the frustration goals often create. (01:10) Erik shares the moment Dr. Matt Morris looked at him and said he had simply made a bad goal, reframing how he viewed falling short. (02:30) A reminder surfaces about how people consistently overestimate short-term capacity and underestimate long-term potential. (04:00) Erik explains why he now treats goals as directions rather than destinations, using the New York-to-England swimming analogy. (05:30) Erik shares how an overly ambitious summer golf goal led to frustration and helped him rethink the difference between goals and objectives. (07:00) Financial goal setting follows the same pattern, as unrealistic expectations often lead to shame, frustration, or giving up entirely. (09:10) Two core takeaways: create better directional goals and recognize the bias of misjudging short- and long-term potential. (10:40) Why having someone walk alongside you, such as a financial planner, helps maintain direction and adjust objectives over time. (11:40) Erik encourages listeners to share the episode and continue reframing their approach to goal setting. (13:40) Key Quotes: “ I've stopped treating goals like a destination, like something I have to reach. Instead, I think of them like a direction.” - Erik Garcia, CFP®, ChFC®, BFA™ “  You're not failing your goals, your goals just might need a reframe. Fix the direction, adjust the objectives, and trust the long-term journey.” - Erik Garcia, CFP®, ChFC®, BFA™ “ Set better goals, not bigger ones, not more detailed ones. Better ones. Goals that orient you long-term, meaningful directional goals, and then backfill that with objectives that guide your ” - Erik Garcia, CFP®, ChFC®, BFA™ Resources Mentioned: Erik Garcia, CFP®, BFA Xavier Angel, CFP®, ChFC, CLTC Plan Wisely Wealth Advisors

In this solo episode of the Stuff About Money podcast, host Erik Garcia, CFP®, ChFC®, BFA™ sits down for a candid one-on-one about goals. Not the shiny, New-Year's-resolution kind, but the messy, honest kind we whisper to ourselves when no one's listening. Erik shares two personal moments that reshaped how he thinks about goal setting, including the year Dr. Matt Morris bluntly told him, “You just made a bad goal,” and the overly ambitious golf objective that nearly convinced him to quit the game altogether. These stories spark a bigger conversation about why we so often overestimate what we can accomplish in the short term and underestimate what we're capable of over the long haul. In the second half of the episode, Erik unpacks a healthier, more realistic framework for pursuing goals — especially financial ones. Instead of obsessing over hitting a number by a certain date, he encourages listeners to think of goals as direction and objectives as the checkpoints that keep them moving forward. Erik explores why grace, awareness, and better-designed goals lead to more progress and less burnout. If this episode resonates with you, share it with someone who needs a fresh perspective on goal setting, and make sure you're following the show for more conversations that help you move toward a wiser, more intentional financial life. Episode Highlights: Erik discusses why traditional goal-setting frameworks and New Year's resolutions aren't the focus, emphasizing the frustration goals often create. (01:10) Erik shares the moment Dr. Matt Morris looked at him and said he had simply made a bad goal, reframing how he viewed falling short. (02:30) A reminder surfaces about how people consistently overestimate short-term capacity and underestimate long-term potential. (04:00) Erik explains why he now treats goals as directions rather than destinations, using the New York-to-England swimming analogy. (05:30) Erik shares how an overly ambitious summer golf goal led to frustration and helped him rethink the difference between goals and objectives. (07:00) Financial goal setting follows the same pattern, as unrealistic expectations often lead to shame, frustration, or giving up entirely. (09:10) Two core takeaways: create better directional goals and recognize the bias of misjudging short- and long-term potential. (10:40) Why having someone walk alongside you, such as a financial planner, helps maintain direction and adjust objectives over time. (11:40) Erik encourages listeners to share the episode and continue reframing their approach to goal setting. (13:40) Key Quotes: “ I've stopped treating goals like a destination, like something I have to reach. Instead, I think of them like a direction.” - Erik Garcia, CFP®, ChFC®, BFA™ “  You're not failing your goals, your goals just might need a reframe. Fix the direction, adjust the objectives, and trust the long-term journey.” - Erik Garcia, CFP®, ChFC®, BFA™ “ Set better goals, not bigger ones, not more detailed ones. Better ones. Goals that orient you long-term, meaningful directional goals, and then backfill that with objectives that guide your ” - Erik Garcia, CFP®, ChFC®, BFA™ Resources Mentioned: Erik Garcia, CFP®, BFA Xavier Angel, CFP®, ChFC, CLTC Plan Wisely Wealth Advisors 

All advisors recognize the emotional component of their roles and how that can factor into their support, guidance, and relationships with clients. In this episode recorded in February 2023, MDRT members share memorable experiences when emotions factored into their work and how they handled this both for the clients and for themselves. You'll hear from: Joseph Tan, ChFC, CLU Abigail Venida Yabot Episode breakdown: 0:32 – How the pandemic changed the conversation around death and disability 2:33 – Communicating the importance of additional coverage 6:42 – Helping a client who is dealing with infidelity 12:26 – How to handle emotional moments with clients Listen to the monthly series, MDRT Presents: @mdrtpresents

What happens when your paycheck suddenly stops? In this conversation, guest host Matt Seitz, Chief Marketing Officer at C2P and JL Smith Holistic Wealth Management, sits down with Joe Voellm, CFF, ChFC®, CLU®, Senior Wealth Manager at JL Smith and former U.S. Marine, to discuss building financial resilience when income gets disrupted.  Whether you're a … Continue reading Episode 57: Financial Readiness in Times of Uncertainty →

102 Recent Tax Law Changes & Income Tax Strategies | Ryan Patton | The Liquidity Event Nov 20, 2025   The Entreprenudist Podcast https://entreprenudist.com At The Liquidity Event November 20, 2025 | Sponsored by Insurance Claim HQ Powered by Hair Shunnarah Trial Attorneys. Ryan Patton, JD, MBA, Field Director at Pacific Life Insurance, breaks down the crucial tax advantages hidden within recent legislation and why understanding them now can significantly impact your financial future. In his talk, "Are You Taking Income Tax Advantages from The Big Beautiful Bill?: How changes to recent tax law may help improve your transition tax planning and current income tax situation," Ryan explains how updates in tax law open doors for smarter planning, reduced liabilities, and stronger long-term strategy. ------------------ Struggling with a denied or delayed insurance claim? Let the experts at Insurance Claim HQ Powered by Hair Shunnarah Trial Attorneys, help you get what you're owed. Visit https://insuranceclaimhq.com and take the first step toward the settlement you deserve. Hosted by Randolph Love III, ChFC®, The Entreprenudist Podcast is a platform where real entrepreneurs and business owners bare it all. Ranked in the top 10% of business podcasts, it shares unfiltered stories, challenges, and triumphs, providing valuable insights for aspiring and seasoned business leaders alike.

This week on Financial Planning: Explained, host Michael Menninger, CFP sits down with Kyle Ryan, CFP, ChFC. Kyle is a partner and financial planner at Menninger & Associates Financial Planning. In this episode, Mike and Kyle discuss the One Big Beautiful Bill Act that was recently passed by Congress. The guys talk about exactly what the bill changed, the tax ramifications of the bill, and then discuss SALT (state and local tax). This is a great episode for anyone seeking a comprehensive overview of the new bill. For more information on Menninger & Associates Financial Planning visit https://maaplanning.com

Be exactly who you're meant to be. Expansion starts in the mind and grows through the heart. Stay open, stay aligned, and follow what lights you up. Abundance flows when you allow it in. Picture the income, the life, the you you truly desire… and watch it manifest. ✨

101 The Impact of AI and Labor Market Trends | Cary Sparrow, CEO of WageScape   The Entrepenudist Podcast  https://entreprenudist.com AI is transforming how companies hire, pay, and compete for talent and no one understands that shift better than Cary Sparrow, Founder and CEO of WageScape. In this episode of The Entreprenudist Podcast, Cary shares insights from decades of experience in engineering, the U.S. Navy, consulting, and technology leadership. He explains how data and artificial intelligence are reshaping recruiting, pay transparency, and the overall labor market. We dive into:

In this moving episode of the Stuff About Money They Didn't Teach You in School podcast, Xavier Angel, CFP®, ChFC®, CLTC, sits down with Giovani Arenas, business partner of Erik Garcia, CFP®, BFA™, ChFC®, at Garcia Insurance Services, to talk about life, death, and everything in between. Gio, who received a double lung transplant just two years ago, shares his remarkable story of resilience and faith. From being told as a child that he wouldn't live past 40 to defying all odds and thriving in his late 40s, Gio opens up about what it's like to face mortality head-on—and how that perspective reshapes every part of life, including how we plan for the future. In this powerful conversation, Gio and Xavier discuss the emotional and practical sides of end-of-life planning, from having honest family conversations to getting your estate in order. They explore what it means to prepare for death while choosing to live fully—with gratitude, purpose, and hope. Gio's story reminds us that wise planning isn't just about money; it's about love, legacy, and peace of mind. Share this episode with someone who needs encouragement to face life's hardest truths with courage and grace. Episode Highlights: Gio discusses growing up with scleroderma, reconstructive surgeries, and the impact of bullying in his teenage years. (02:48) Gio shares how marriage and becoming a father transformed his outlook and fueled his desire to create a strong family legacy. (04:12) Gio discusses the emotional weight of planning for his family while living with limited life expectancy. (05:42) Gio explains the miracle of receiving a transplant call just one week after being placed on the list and the frantic race to the airport. (08:58) Gio recounts the airport gate reopening and his arrival in Houston before the organs, describing it as the first of many miracles. (14:08) Xavier emphasizes how essential it is to account for different scenarios when building a solid financial strategy. (18:18) Gio explains how he and Erik Garcia planned for financial and business continuity, including wills, trusts, and contingency strategies. (19:20) Gio reflects on the importance of legacy, emphasizing character, faith, and the example he hopes to leave for his children. (20:33) Xavier highlights how many families struggle to address conversations about wills, directives, and preparing for the unexpected. (24:58) Gio encourages listeners to confront difficult conversations about death, wills, and family preparedness. (25:36) Gio affirms that his faith is now “stronger than ever,” describing how the journey reshaped his belief. (28:41) Xavier encourages listeners to begin planning early and communicate the legacy they want to leave. (29:38) Key Quotes: “My actual transformation to a more concentrated person, and being a productive person and being someone happened when my kids were born, that completely changed my way of thinking, because to me, family, it's very important.” - Giovani Arenas “There were so many things that happened that have no explanation except the power of God working in the process, you know. And if I have to say something now is, I believe more now than before.” - Giovani Arenas

In this moving episode of the Stuff About Money They Didn't Teach You in School podcast, Xavier Angel, CFP®, ChFC®, CLTC, sits down with Giovani Arenas, business partner of Erik Garcia, CFP®, BFA™, ChFC®, at Garcia Insurance Services, to talk about life, death, and everything in between. Gio, who received a double lung transplant just two years ago, shares his remarkable story of resilience and faith. From being told as a child that he wouldn't live past 40 to defying all odds and thriving in his late 40s, Gio opens up about what it's like to face mortality head-on—and how that perspective reshapes every part of life, including how we plan for the future. In this powerful conversation, Gio and Xavier discuss the emotional and practical sides of end-of-life planning, from having honest family conversations to getting your estate in order. They explore what it means to prepare for death while choosing to live fully—with gratitude, purpose, and hope. Gio's story reminds us that wise planning isn't just about money; it's about love, legacy, and peace of mind. Share this episode with someone who needs encouragement to face life's hardest truths with courage and grace. Episode Highlights: Gio discusses growing up with scleroderma, reconstructive surgeries, and the impact of bullying in his teenage years. (02:48) Gio shares how marriage and becoming a father transformed his outlook and fueled his desire to create a strong family legacy. (04:12) Gio discusses the emotional weight of planning for his family while living with limited life expectancy. (05:42) Gio explains the miracle of receiving a transplant call just one week after being placed on the list and the frantic race to the airport. (08:58) Gio recounts the airport gate reopening and his arrival in Houston before the organs, describing it as the first of many miracles. (14:08) Xavier emphasizes how essential it is to account for different scenarios when building a solid financial strategy. (18:18) Gio explains how he and Erik Garcia planned for financial and business continuity, including wills, trusts, and contingency strategies. (19:20) Gio reflects on the importance of legacy, emphasizing character, faith, and the example he hopes to leave for his children. (20:33) Xavier highlights how many families struggle to address conversations about wills, directives, and preparing for the unexpected. (24:58) Gio encourages listeners to confront difficult conversations about death, wills, and family preparedness. (25:36) Gio affirms that his faith is now “stronger than ever,” describing how the journey reshaped his belief. (28:41) Xavier encourages listeners to begin planning early and communicate the legacy they want to leave. (29:38) Key Quotes: “My actual transformation to a more concentrated person, and being a productive person and being someone happened when my kids were born, that completely changed my way of thinking, because to me, family, it's very important.” - Giovani Arenas “There were so many things that happened that have no explanation except the power of God working in the process, you know. And if I have to say something now is, I believe more now than before.” - Giovani Arenas Resources Mentioned: Giovani Arenas Garcia Insurance Services Erik Garcia, CFP®, BFA Xavier Angel, CFP®, ChFC, CLTC Plan Wisely Wealth Advisors

In this episode, I break down one of the simplest but most transformative concepts in personal development: The Power of Yet. Inspired by Dr. Carol Dweck's research on growth mindset, “yet” is the tiny word that shifts you from feeling stuck to seeing possibility. Whether you're struggling with money, burnout, confidence, career direction, or new skills, adding “yet” rewires your brain to believe you're capable of change- because you are. You're not good at budgeting... yet. You don't feel confident at work... yet. You're not financially independent... yet. You don't have work–life boundaries... yet. Not “no.” Not “never.” Just not yet. This episode gives practical examples, stories, and tools to help you adopt the “yet” mindset so you can grow in any area of your life. What is covered in this episode: • What the “Power of Yet” actually means A simple mindset shift backed by decades of psychology and neuroscience. • A quick overview of Dr. Carol Dweck's research How growth mindset vs. fixed mindset impacts confidence, learning, resilience, and even burnout. • How “yet” reframes failure Turning mistakes into information, not identity. • Real-life examples of “yet” in action Money, relationships, boundaries, investing, career development, and personal habits. • Why 'yet' is crucial for financial independence If you don't believe you can learn to budget, invest, or build wealth… you won't. • The neuroscience behind “yet” Why this tiny word activates motivation pathways instead of threat pathways in the brain. • How the Power of Yet protects against burnout When you see yourself as someone who can grow, setbacks feel temporary- not personal. • Easy ways to integrate the “yet” mindset into daily life Microhabits, affirmations, self-reflection prompts, and language shifts. By the end of this episode, you will learn: How to spot fixed-mindset thoughts How to rewrite them using “yet” statements How to create microhabits that support growth How to build confidence through incremental wins How “yet” can change the trajectory of your financial life How to use this mindset shift to reduce burnout and self-doubt How to apply “yet” in relationships, career, money, and personal goals Resources Mentioned: Wealthfront HYSA referral link: https://www.wealthfront.com/c/affiliates/invited/AFFA-NGE2-ZDDZ-K8BK Dr. Carol Dweck's TED Talk – “The Power of Yet” If this episode was helpful, subscribe to the PA the FI Way podcast or YouTube channel for more content to help you build financial independence and prevent burnout along the way. Thanks to Caleb Pepperday, CFP, CHFC, founder of Advanced Practice Planning, LLC, for sponsoring this episode! If you're interested, visit advancedpracticeplanning.com/FI to grab your free consultation. Are you just beginning your journey to financial independence and want to learn more? Download your free copy of the PA the FI Way Beginner's Workbook here! Website / Blog: pathefiway.com Follow PA the FI Way on Instagram: @pathefiway https://www.instagram.com/pathefiway/ Connect with Kat on LinkedIn: https://www.linkedin.com/in/katarina-kat-astrup-mspas-pa-c-175848255/ Watch on Youtube: https://www.youtube.com/@pathefiway Join the private Facebook group created for current and future PAs on their journey to financial independence: https://www.facebook.com/groups/pathefiway Like the Facebook page to follow along for updates: https://www.facebook.com/pathefiway

99 Business Brokerage & Exit Strategies for Contractors | Jonathan Buehler   The Entrepenudist Podcast https://entreprenudist.com Thinking about selling your construction or home service business? In this episode, Jonathan Buehler, founder of Buehler Business Brokers, breaks down how to value, prepare, and sell your company for maximum profit. We discuss key strategies for exit planning, business valuation, and brokerage insights tailored to the construction trades and home service industries. Whether you're preparing for retirement or simply ready for your next chapter, this conversation helps you understand what drives business value and how to make your exit smooth and successful. --------------------------- About Jonathan Buehler Jon Buehler is the founder of Buehler Business Brokers, where he helps owners of HVAC, plumbing, electrical, and other home service companies sell their businesses with confidence. With over 16 years of experience spanning contracting, distribution, and manufacturing, Jon brings deep industry insight to every deal he manages. After nearly two decades in the trades, Jon transitioned into business brokerage in 2022, driven by a passion for helping business owners unlock the full value of their life's work. As both a Certified Business Intermediary (CBI) and Certified Exit Planning Advisor (CEPA), he guides clients through every stage of the sale process—from valuation and preparation to finding the right buyer and closing successfully. Jon has been recognized as a top business broker by the Business Brokers of Florida and the International Business Brokers Association, and he's a frequent speaker at national and regional trade events, including ACCA and FRACCA, where he educates contractors on building more valuable, sellable businesses. Based in Jacksonville, Florida, Jon lives with his wife Tiffany and their four kids. When he's not advising clients, you'll find him spending time with his family or helping business owners plan their next big chapter. ---------------- About the Host: Randolph Love III, is the Founder and President of, ShieldWolf Strongholds, a wealth protection company that specializes in providing Business Owners, Franchise Owners, and Retirees with high level Business Exit Planning, Retirement Income Planning, and Tax Free Cash Value Life Insurance education as a Certified IUL Master. He is a Partner and Consultant with The Franchise Consulting Company; one of the most renowned American owned franchise consulting companies in the world. He is the Author of the forthcoming Financial Literacy book, "The Miracle Money Vehicle: How To Make Money Make Babies;" which gives individuals and business owners a step by step guide on what they need to do to have the option to retire, or exit their current position in less than 5-10 years, with properly structured, and funded Trusts and Tax Strategies. Also, he is the host of, "The Entreprenudist Podcast: The Place To Hear Real Entrepreneurs and Business Owners BARE IT ALL;" ranked in the TOP 10% of podcasts for Business Owners and Entrepreneurs by ListenNotes.com.

100 How a Construction Worker Built a Fast-Growing SaaS Company   The Entrepenudist Podcast  https://entreprenudist.com From the construction site to the startup world, this episode of The Entreprenudist Podcast features Fabian Videla, CEO of Permit Rockstar Inc., who shares how he went from swinging hammers to scaling SaaS. He breaks down the real-world pain points that inspired him to build Permit Rockstar, a platform transforming how contractors navigate the permitting process. In this episode, we explore:

Ian Freeman started his professional life in banking, but it was after some personal reevaluation—facing both challenges and unexpected lessons—that he made the leap into wealth management and insurance. He's now the founder and lead wealth management advisor for The Freeman Group (part of Western Mutual), and has helped thousands secure their futures since 1987.Ian's journey is filled with stories of resilience, ethical leadership, and always putting people before profit—a mindset that's guided him to sell nearly $2B in life insurance policies. He's earned every one of his AEP, CASL, ChFC, and CLU designations by making authentic, long-lasting client relationships his highest priority. As an international speaker and author, Ian's new book Life Beneath the Suit brings together real experiences from the financial world, showing how moments of uncertainty can inspire growth, emotional well-being, and a renewed sense of purpose.

Will vs Trusts: A deeper dive | Randolph Love III   The Entreprenudist Podcast https://entreprenudist.com At The Liquidity Event, September 18, 2025, sponsored by Insurance Claim HQ powered by Hair Shunnarah Trial Attorneys. Randolph Love III, Founder and President of ShieldWolf Strongholds, shares essential insights on Will vs Trust: Everything Business Owners Need to Know About Estate Planning . In his talk, Randolph reveals how to: ✨ Understand the key differences between wills and trusts

The SECURE Act clock is ticking! Join Carlos Zarate, ChFC, from the Advanced Planning Team at AuguStar as he breaks down the critical deadlines for inherited IRAs. The 10-year rule is top of mind for many IRA beneficiaries, especially now that waived penalties for missed RMDs are a thing of the past. Carlos shares a 3-step strategy for financial professionals to proactively model distributions, build client trust, and help clients avoid the year-10 tax spike.

97 What Every Entrepreneur Should Know About Sales, and Business Growth   The Entrepenudist Podcast https://entreprenudist.com On this episode of The Entreprenudist Podcast, we sit down with Samir Maignan, President of Public Trust Mortgage LLC, to unpack the evolving relationship between business, technology, and human connection. From the rise of AI and social media in modern business to understanding why sales are truly a process, not a one-time event, Samir shares valuable insights every entrepreneur and business owner should hear. Drawing from his deep experience in the mortgage and financial services industry, he breaks down how today's business leaders can stay grounded, adapt fast, and thrive in an ever-changing economy.

Send us a textOn this episode of The Get Ready Money Podcast, I spoke with John Kailunas—author, podcast host, and CEO of Regal Holdings of America—about how creating a retirement mission statement helps you define your purpose after work. 

In this episode of Stuff About Money They Didn't Teach You in School, hosts ⁠Erik Garcia⁠, CFP®, ChFC®, BFA™, and ⁠Xavier Angel⁠, CFP®, ChFC®, CLTC®, tackle a hard truth — sometimes, the biggest threat to our financial health isn't the economy, it's the lies we tell ourselves. From “I'll save when I make more” to “I deserve this purchase” and “I can time the market,” Erik and Xavier break down how these self-deceptions quietly shape our spending, saving, and investing habits. They'll also reveal how these internal narratives may be fueling the stress behind alarming stats showing that 58% of Americans feel their finances are in crisis and 47% say money negatively affects their mental health. Digging deeper, they unpack the psychology and emotion behind each lie and how believing them keeps us stuck — overspending, under-saving, and second-guessing our investments. You'll hear relatable stories, practical tips, and a few laughs along the way as Erik and Xavier guide listeners toward replacing financial fiction with truth. Whether you're guilty of lifestyle creep, emotional spending, or chasing market timing, this conversation will challenge you to confront your money myths and live the Plan Wisely Way. Be sure to follow the show, share it with a friend, and leave a review if you enjoy the episode. Episode Highlights: Erik connects Xavier's story to financial behaviors that can lead to crisis and introduces “three money lies” people tell themselves. (08:00) Together, Erik and Xavier unpack the first lie: “I'll save more when I make more,” discussing paycheck-to-paycheck realities and intentional saving habits. (11:00) Xavier challenges excuses around spending, encouraging listeners to align money use with what truly matters. (14:00) Erik emphasizes starting small, automating savings, and prioritizing goals that match personal values. (18:00) Erik and Xavier move to the second lie, “I deserve this,” exploring emotional spending, debt, and budgeting for wants versus needs. (20:00) Erik shares strategies to manage impulse buys and highlights the power of financial planning rooted in discipline and purpose. (24:00) Xavier discusses intentional spending on meaningful experiences and maintaining balance between enjoyment and prudence. (26:00) The third lie, “I can time the market,” introduces a conversation on emotional investing and long-term financial discipline. (28:00) Erik and Xavier reminds listeners that honest reflection, planning, and value-based choices lead to stronger financial wellbeing. (31:00) Key Quotes: “There's lies that we tell ourselves about money. We're all guilty of this. Just some are guilty of it at different levels. Levels that are more material than others.” -  Erik Garcia, CFP®, ChFC®, BFA™ “Create that strategy, take a look at what your finances are, know what's important to you, and then make those decisions.” - Xavier Angel, CFP®, ChFC®, CLTC® “Saving is like a muscle. And the more you use it, the stronger it gets. The more you save, the easier it gets to save. And I think people just need to start.” -  Erik Garcia, CFP®, ChFC®, BFA™ Resources Mentioned: ⁠Erik Garcia, CFP®, BFA⁠ ⁠Xavier Angel, CFP®, ChFC, CLTC⁠ ⁠Plan Wisely Wealth Advisors⁠

95 Nate Scott: Transforming From Skeptical and Broke to Smart, Sexy, and Sustainable   The Entreprenudist Podcast https://entreprenudist.com At The Liquidity Event, October 2025, sponsored by Insurance Claim HQ powered by Hair Shunnarah Trial Attorneys . Nate Scott, CEO and Executive Coach, breaks down the transformation process that turns skepticism and struggle into confidence, clarity, and lasting success. You'll learn how to:

96 From Idea to Reality: Ivory Orr's Journey Building Bad Chic Chicken & Waffles   The Entreprenudist Podcast https://entreprenudist.com At The Liquidity Event, August 2025 — sponsored by Insurance Claim HQ powered by Hair Shunnarah Trial Attorneys . Ivory Orr, Founder of Bad Chic Chicken & Waffles, shares how he turned his vision into a thriving food brand. In this talk, Ivory dives into: -The story behind launching Bad Chicken & Waffles - Lessons learned as a founder navigating challenges - Business strategies and tips for new entrepreneurs His story is proof that with vision, grit, and strategy, you can turn an idea into a successful business. ---------------------- Insurance claim denied, delayed, or underpaid? Let us fight for what you're owed — Get your free consultation today at https://insuranceclaimhq.com ------------------------------ Welcome to ShieldWolf Strongholds — a 100% virtual wealth protection firm helping business owners, franchisees, and retirees secure their financial futures. Specializing in Business Exit Planning, Indexed Universal Life (IUL) insurance, and business funding solutions, ShieldWolf offers a seamless, fully online experience with no in-person meetings required.

In this episode of Stuff About Money They Didn't Teach You in School, hosts Erik Garcia, CFP®, ChFC®, BFA™, and Xavier Angel, CFP®, ChFC®, CLTC®, tackle a hard truth — sometimes, the biggest threat to our financial health isn't the economy, it's the lies we tell ourselves. From “I'll save when I make more” to “I deserve this purchase” and “I can time the market,” Erik and Xavier break down how these self-deceptions quietly shape our spending, saving, and investing habits. They'll also reveal how these internal narratives may be fueling the stress behind alarming stats showing that 58% of Americans feel their finances are in crisis and 47% say money negatively affects their mental health. Digging deeper, they unpack the psychology and emotion behind each lie and how believing them keeps us stuck — overspending, under-saving, and second-guessing our investments. You'll hear relatable stories, practical tips, and a few laughs along the way as Erik and Xavier guide listeners toward replacing financial fiction with truth. Whether you're guilty of lifestyle creep, emotional spending, or chasing market timing, this conversation will challenge you to confront your money myths and live the Plan Wisely Way. Be sure to follow the show, share it with a friend, and leave a review if you enjoy the episode. Episode Highlights: Erik connects Xavier's story to financial behaviors that can lead to crisis and introduces “three money lies” people tell themselves. (08:00) Together, Erik and Xavier unpack the first lie: “I'll save more when I make more,” discussing paycheck-to-paycheck realities and intentional saving habits. (11:00) Xavier challenges excuses around spending, encouraging listeners to align money use with what truly matters. (14:00) Erik emphasizes starting small, automating savings, and prioritizing goals that match personal values. (18:00) Erik and Xavier move to the second lie, “I deserve this,” exploring emotional spending, debt, and budgeting for wants versus needs. (20:00) Erik shares strategies to manage impulse buys and highlights the power of financial planning rooted in discipline and purpose. (24:00) Xavier discusses intentional spending on meaningful experiences and maintaining balance between enjoyment and prudence. (26:00) The third lie, “I can time the market,” introduces a conversation on emotional investing and long-term financial discipline. (28:00) Erik and Xavier reminds listeners that honest reflection, planning, and value-based choices lead to stronger financial wellbeing. (31:00) Key Quotes: “There's lies that we tell ourselves about money. We're all guilty of this. Just some are guilty of it at different levels. Levels that are more material than others.” -  Erik Garcia, CFP®, ChFC®, BFA™ “Create that strategy, take a look at what your finances are, know what's important to you, and then make those decisions.” - Xavier Angel, CFP®, ChFC®, CLTC® “Saving is like a muscle. And the more you use it, the stronger it gets. The more you save, the easier it gets to save. And I think people just need to start.” -  Erik Garcia, CFP®, ChFC®, BFA™ Resources Mentioned: Erik Garcia, CFP®, BFA Xavier Angel, CFP®, ChFC, CLTC Plan Wisely Wealth Advisors

Tax law is changing again, and with it, the way advisors should guide their clients. The One Big Beautiful Bill Act (O-B-B-B-A) introduces provisions that impact everyday retirees, mass affluent professionals, and high-net-worth families alike. In this episode of The Breakthrough Advisor™, host Randy Yost sits down with David Foster, JD, AEP, CLU®, ChFC®, CAP®, […] The post Uncovering Opportunities from the One Big Beautiful Bill Act with David Foster (Ep. 86) first appeared on Simplicity InsurMark.

In this episode, I'm sharing what I've been learning firsthand as I declutter and prepare for the upcoming sale of our house, and how this process has completely reshaped the way I think about freedom, finances, and fulfillment. I've realized how much the things we own can quietly drain our time, energy, and even money. I'll cover some helpful decluttering principles that my husband and I have recently implemented as we gradually move toward a more minimalistic lifestyle, including the 20/20 rule, the 90/90 rule, and how to break free from the sunk cost fallacy, along with a few mindset shifts that have helped us let go with intention. You'll learn why simplifying your space is so powerful for both your peace and your financial independence journey. If you've been feeling weighed down by too much “stuff” or craving a simpler, lighter life, this episode will inspire you to start creating more room for what truly matters. If this episode was helpful, be sure to subscribe to the PA the FI Way podcast or YouTube channel for more content to help you build financial independence and prevent burnout along the way. Thanks to Caleb Pepperday, CFP, CHFC, founder of Advanced Practice Planning, LLC, for sponsoring this episode! If you're interested, visit advancedpracticeplanning.com/FI to grab your free consultation. Are you just beginning your journey to financial independence and want to learn more? Download your free copy of the PA the FI Way Beginner's Workbook here! Website / Blog: pathefiway.com Follow PA the FI Way on Instagram: @pathefiway https://www.instagram.com/pathefiway/ Connect with Kat on LinkedIn: https://www.linkedin.com/in/katarina-kat-astrup-mspas-pa-c-175848255/ Join the private Facebook group created for current and future PAs on their journey to financial independence: https://www.facebook.com/groups/pathefiway Like the Facebook page to follow along for updates: https://www.facebook.com/pathefiway

You can be the creator of change in your life. The most impactful decision you can make is to follow your heart. When you follow your heart, you are opening up and creating space for change.Discover the power of a heart-centered approach! Join my free workshop where you'll share your challenges and gain valuable insights to move forward. Sign up for the workshop here: https://www.impactyourlifenow.com/impact-workshop-registration-evergreen-newsletterGet my audio book! https://www.impactyourlifenow.com/ayw-book-order-pageThe Four Spiritual Laws of Money: https://www.impactyourlifenow.com/the-4-spiritual-laws-of-moneyJoin Julie on her mission to heal the world financially.Julie Murphy CLU, ChFC, CFP®, is an independent CERTIFIED FINANCIAL PLANNER™, author, and media expert who wants you to heal your emotions to prosper financially and in life.To Schedule Julie on Your YouTube or Podcast Show... Please email Julie at Julie@JulieMurphy.comhttps://juliemurphy.com/Join our community on social media!http://facebook.com/AwakenWithJuliehttps://www.tiktok.com/@awakenwithjuliehttp://Instagram.com/AwakenWithJuliehttps://www.youtube.com/c/JulieMurphyhttps://anchor.fm/juliemurphyhttp://Twitter.com/AwakenWithJuliehttps://www.linkedin.com/in/juliemariemurphyTOO MANY PEOPLE HAVE FEARS AND OTHER UNHEALTHY EMOTIONS AROUND MONEY. Whether you were born rich, poor, or somewhere in between, money has always been an integral part of your life. However, too many people have fears and other unhealthy emotions around money. These debilitating beliefs are often subconscious, shaped by a lifetime of early experiences seen through other people—not based on objective reality. So can you break free from these restrictive beliefs and emotions, be able to “dream big,”—and actually accomplish your hopes and dreams? The answer is yes: Now, there is a way to harness the powerful energy around money and build real wealth.Beyond Your Wildest Dreams, LLC has no affiliation with LPL Financial, Sequoia Wealth Management, or JMC Wealth Management, Inc.

In this Halloween-themed episode of Stuff About Money They Didn't Teach You in School, host Erik Garcia, CFP®, ChFC®, BFA™ is joined by Dr. Matt Morris and first-time guest Stephanie Osborn for a fun and insightful conversation about fear, especially the fear of money. The trio starts by sharing their thoughts on scary movies (and why Erik can't stand them) and explores some New Orleans lingo about what it really means to call someone “scary.” From there, they draw parallels between the things that spook us on screen, and the real-life anxieties people feel around money. As the discussion unfolds, they unpack why money can be so intimidating and how fear often leads to poor, or no financial decisions at all. The group explores the antidote to financial fear: identifying what's truly important to you, Erik's first pillar of financial security. Matt shares personal stories about how that focus has helped him overcome financial stress, while Erik and Stephanie offer practical strategies like setting small goals, celebrating wins, and building fierce accountability. Tune in for a lighthearted, meaningful conversation that'll leave you a little less afraid of your finances—and maybe a little more ready to face your own money monsters. Episode Highlights: Erik kicks off the episode by sharing his fear of scary movies and how “scary” means something different in New Orleans. (03:38) Matt recalls childhood memories of terrifying films like Children of the Corn and Blair Witch Project, explaining why uncertainty makes horror so effective. (04:57) Stephanie admits she used to love scary movies but can't handle them anymore, naming Scream as her favorite from the '90s. (05:48) Erik transitions the conversation to the episode's main topic about how money can be just as scary as horror movies and introduces Stephanie as a first-time guest. (08:00) Matt explains how financial anxiety often stems from the unknown, similar to fear in horror films, and why some people hide from their finances. (09:00) Stephanie cites statistics about Americans feeling anxious and stressed about money, and Matt discusses how confidence and financial literacy help reduce fear. (10:00) Erik and Matt break down three major financial fears: not having enough, fear of debt, and fear of the unknown. (24:00) Matt shares how fear can lead to poor or avoidant financial decisions and explains the importance of awareness and communication in relationships. (27:00) Erik introduces “knowing what's important to you” as the antidote to financial fear and anxiety, connecting values to practical money habits. (36:00) Matt offers personal examples of aligning money with values, like saving for family travel and using insurance for peace of mind. (39:00) Stephanie adds that identifying where fear comes from and checking in regularly can help manage anxiety and prevent “fear paralysis.” (51:00) Erik concludes by encouraging listeners to identify what matters most, create action steps, and check in consistently to keep fear from controlling their finances. (56:00) Key Quotes: “None of us want to be fear driven. We don't want to make decisions just based out of fear. Our fears are frequently misaligned with reality.” - Dr. Matt Morris “I feel like people with money are always concerned about money, and people without money are always concerned about money. They always want to have more or they fear that they don't have enough.” - Stephanie Osborn “When you stop long enough to determine what's most important to you, you can start making conscious decisions to align your money with those things.” - Erik Garcia, CFP®, ChFC®, BFA™ Resources Mentioned: Dr. Matt Morris Matt Morris & Associates Stephanie Osborn Erik Garcia, CFP®, BFA Xavier Angel, CFP®, ChFC, CLTC Plan Wisely Wealth Advisors

In this Halloween-themed episode of Stuff About Money They Didn't Teach You in School, host Erik Garcia, CFP®, ChFC®, BFA™ is joined by Dr. Matt Morris and first-time guest Stephanie Osborn for a fun and insightful conversation about fear, especially the fear of money. The trio starts by sharing their thoughts on scary movies (and why Erik can't stand them) and explores some New Orleans lingo about what it really means to call someone “scary.” From there, they draw parallels between the things that spook us on screen, and the real-life anxieties people feel around money. As the discussion unfolds, they unpack why money can be so intimidating and how fear often leads to poor, or no financial decisions at all. The group explores the antidote to financial fear: identifying what's truly important to you, Erik's first pillar of financial security. Matt shares personal stories about how that focus has helped him overcome financial stress, while Erik and Stephanie offer practical strategies like setting small goals, celebrating wins, and building fierce accountability. Tune in for a lighthearted, meaningful conversation that'll leave you a little less afraid of your finances—and maybe a little more ready to face your own money monsters. Episode Highlights: Erik kicks off the episode by sharing his fear of scary movies and how “scary” means something different in New Orleans. (03:38) Matt recalls childhood memories of terrifying films like Children of the Corn and Blair Witch Project, explaining why uncertainty makes horror so effective. (04:57) Stephanie admits she used to love scary movies but can't handle them anymore, naming Scream as her favorite from the '90s. (05:48) Erik transitions the conversation to the episode's main topic about how money can be just as scary as horror movies and introduces Stephanie as a first-time guest. (08:00) Matt explains how financial anxiety often stems from the unknown, similar to fear in horror films, and why some people hide from their finances. (09:00) Stephanie cites statistics about Americans feeling anxious and stressed about money, and Matt discusses how confidence and financial literacy help reduce fear. (10:00) Erik and Matt break down three major financial fears: not having enough, fear of debt, and fear of the unknown. (24:00) Matt shares how fear can lead to poor or avoidant financial decisions and explains the importance of awareness and communication in relationships. (27:00) Erik introduces “knowing what's important to you” as the antidote to financial fear and anxiety, connecting values to practical money habits. (36:00) Matt offers personal examples of aligning money with values, like saving for family travel and using insurance for peace of mind. (39:00) Stephanie adds that identifying where fear comes from and checking in regularly can help manage anxiety and prevent “fear paralysis.” (51:00) Erik concludes by encouraging listeners to identify what matters most, create action steps, and check in consistently to keep fear from controlling their finances. (56:00) Key Quotes: “None of us want to be fear driven. We don't want to make decisions just based out of fear. Our fears are frequently misaligned with reality.” - Dr. Matt Morris “I feel like people with money are always concerned about money, and people without money are always concerned about money. They always want to have more or they fear that they don't have enough.” - Stephanie Osborn “When you stop long enough to determine what's most important to you, you can start making conscious decisions to align your money with those things.” - Erik Garcia, CFP®, ChFC®, BFA™ Resources Mentioned: Dr. Matt Morris Matt Morris & Associates Stephanie Osborn Erik Garcia, CFP®, BFA Xavier Angel, CFP®, ChFC, CLTC Plan Wisely Wealth Advisors

In this episode of Stuff About Money They Didn't Teach You in School, Erik Garcia, CFP®, ChFC®, BFA™, and Xavier Angel, CFP®, ChFC®, CLTC, tackle one of the most important yet often overlooked financial topics: long-term care. The conversation kicks off with a laugh as Erik shares how Xavier nearly got himself kicked out of a professional study group for challenging the conventional wisdom around long term care insurance. That sets the stage for a lively discussion about why this issue matters so much, even if it is not the kind of thing people want to chat about at a cocktail party. Between sobering stats about rising care costs and Xavier's candid story of his aunt currently in a long term care facility, this episode keeps things engaging while shining a light on a subject that is too often ignored. But ignoring the problem does not make it go away. With the average nursing home room now costing well into six figures annually, long term care planning is a reality everyone needs to address. Erik and Xavier unpack the complexity, explaining why traditional policies may not be as reliable as they seem, why the financial planning around it can be so tricky, and how thinking in terms of cash flow might change the conversation entirely. Along the way, Erik lightens the mood with a surprisingly fitting analogy about chickens and eggs, reminding us that financial planning can be both practical and a little entertaining. Tune in, lean in, and be sure to share this episode with someone who may need a nudge to plan wisely for their future. Episode Highlights: Erik emphasizes why long term care matters, even for younger listeners, due to its inevitable impact on families. (01:12) Erik unpacks the challenges retirees face when fixed incomes meet rising care costs. (03:01) Xavier explains how some advisors buffer rate hikes by quoting higher premiums upfront. (04:00) Xavier shares a personal story to define long-term care as more than just insurance, it's physical and emotional support. (06:56) Xavier discusses the national costs of care and why planning for it is essential. (11:00) Erik outlines the risks of asset depletion and reduced income after losing a spouse. (13:38) Xavier explains how women statistically need care longer and why planning must consider longevity. (14:18) Erik highlights why long-term care planning must include income replacement strategies. (16:17) Xavier warns against “one-size-fits-all” insurance solutions in client conversations. (17:36) Erik uses a chicken-and-egg analogy to explain sustainable income planning. (21:53) Erik encourages listeners to focus on income streams over lump sums in planning for future care. (24:36) Xavier shares a case study about a client who prioritized legacy over self-care and why that needed to change. (25:39) Erik urges listeners to talk with aging parents now about their long-term care plans. (27:00) Key Quotes: “ As a planner, I'm always thinking about how does this affect you long term, not just today, but what happens 10 years from now? Because if we're doing your planning today, I'm still doing your planning 10 years from now.” - Xavier Angel, CFP®, ChFC®, CLTC “Even though you may not necessarily be taking direct action to solve a potential financial problem today or in the future, having the conversation about it is actually starting to solve the problem.” - Erik Garcia, CFP®, ChFC®, BFA™ “We are financial planners. We love helping people solve financial problems, and we love helping people make financial decisions that are in alignment with what is most important to them.” - Erik Garcia, CFP®, ChFC®, BFA™ Resources Mentioned: Erik Garcia, CFP®, BFA Xavier Angel, CFP®, ChFC, CLTC Plan Wisely Wealth Advisors

This week on Financial Planning: Explained, host Michael Menninger, CFP welcomes back Steve Gannon and Kyle Ryan, CFP, ChFC. Steve is the president and founder of Gannon Insurance Agency. This is the second episode of a two-part series on property & casualty insurance. In this episode, the guys talk about umbrella liability insurance from a business vs personal standpoint. They also discuss vehicle insurance and how coverage is determined when driving someone else's car, along with insurance pertaining to Uber and Lyft services. This is a great episode for anyone who has questions about any form of property or casualty insurance. For more information on Menninger & Associates Financial Planning visit https://maaplanning.com