Podcasts about cpas

Episode 630 Schedule a one on one free coaching call, click here or visit LoanOfficerStrategyCall.com. Welcome to Loan Officer Freedom, the #1 podcast in the country for loan officers, hosted by Carl White. In this episode, Carl White sits down with Kevin Gillespie to talk about two powerful but often overlooked lead sources that many loan officers completely ignore: builders and real estate investors. Together they explain why these two niches can represent 20 to 30 percent of your local market and how most loan officers unintentionally eliminate a huge portion of opportunity simply because they assume the business is already "locked up." Kevin shares practical strategies for breaking into builder relationships, even when the builder already has an in-house mortgage company. They discuss how loan officers can get their foot in the door with unique loan programs, strong communication, and reliable pre-approvals that builders can trust to actually close. You will also hear why just one builder relationship can produce dozens of loans over time. The conversation then shifts to investor business, where Carl and Kevin break down why investors think completely differently from traditional homebuyers. They cover how investors evaluate deals based on cash flow, leverage, and long term growth, and how loan officers who understand these conversations can quickly separate themselves from the competition. You will also learn how investor groups, real estate agents, CPAs, and insurance agents can all become strong referral sources for investor clients, and why one investor relationship can often lead to multiple deals every year. If you are looking to add new "arrows to your quiver" and build more consistent deal flow, this episode will give you practical ideas for tapping into two large segments of the market that many loan officers overlook. If you are a branch manager or owner who wants help building a predictable system for generating more business from builders and investors, learn more at ProfitDrivenPlan.com.

Have you ever found yourself thinking that you are not doing enough?  In today's podcast episode, I'm talking about how you can find out if you are doing enough and why you are always feeling like you are behind.  You'll learn how to know if you are doing enough as well as how you can start getting more done each day.  You'll also learn how you can feel good about the work you are doing and trust yourself that you'll get things done and feel confident in your decisions.  I hear so often from the clients I work with how they don't feel like they get enough done in their professional lives and how that impacts how they feel about how much is enough in their personal lives as well.  So much of our lives cross over from our professional and personal lives that it's no wonder if you are feeling this way in one area of your life, you'll probably see it in other areas as well.  Are you ready to start feeling like you are doing enough?  Let's dive in… Join us in a community built specifically for accountants and high-stress professionals.  You'll receive support, accountability, and a community that understands what you're going through. We focus on stress reduction, increasing productivity, time management, goal achievement, health, happiness, and desired lifestyle:  https://www.financialadventure.com/community I'm inviting you to sign up for the free private podcast where I do a deeper dive into this topic on the Mastering Your Mindset Moments podcast for high-stress professionals: https://www.financialadventure.com/private Schedule your Complimentary Stress Audit and Clarity Session, where we'll work together to create a clear and focused plan for you to move forward so you'll immediately start enjoying your life with less stress, increased productivity, and more time to spend doing what you love with the people you care about: https://www.financialadventure.com/work-with-me Accountants, CPAs, Bookkeepers, Tax Preparers & Financial Professionals, sign up here to get updates on upcoming opportunities & grab the Audit Of Your Well-Being & Balance Guide here: https://www.financialadventure.com/accountant Ready to set up your business?  I have a program to help you get your business set up so that you can start making money.  Sign up for this program here: https://www.financialadventure.com/start Are you ready to try coaching?  Schedule an Introductory Coaching Session today.  You'll have the opportunity to see how you like coaching with an Introductory Coaching Session: https://www.financialadventure.com/intro Join us in the Mastering Your Small Business Finances PROFIT LAB if you are ready to take control of your business finances and create the profitable business you are striving for.  Are you ready to generate revenues and increase the profit in your business: https://www.financialadventure.com/profit If You Are Ready To Choose, Start Or Grow Your Side Hustle, Get Your Free Checklist And Assessment Here: https://www.financialadventure.com/sidehustle Grab Your FREE guide:  5 Essential Strategies For Stress-Free Bookkeeping: https://www.financialadventure.com/5essentials Your FREE Online Virtual Bookkeeping Business Starter Guide & Success Path Is Waiting For You: https://www.financialadventure.com/starterguide Join Our Facebook Community:  https://www.facebook.com/groups/womenbusinessownersultimatediybookkeepingboutique The Strategic Bookkeeping Academy, including Bookkeeping Basics, is open for registration!  You can learn more and sign up here: https://www.financialadventure.com/sba Looking for a payroll solution for your business?  You can get an exclusive 15% discount on your payroll services when you sign up here: https://www.financialadventure.com/adp QuickBooks Online - Save 30% Your First 6 Months: https://www.financialadventure.com/quickbooks Sign up for a virtual coffee chat to see if starting a Bookkeeping Business is right for you: https://www.financialadventure.com/discovery Show Notes:  https://www.financialadventure.com This podcast is sponsored by Financial Adventure, LLC ~ visit https://www.financialadventure.com for additional information and free resources.

On the podcast: breaking free from the paid acquisition treadmill, how to repurpose offline events into millions of online impressions, and why a celebrity partnership can go viral but still completely flop.This conversation is shorter than usual and will be featured in RevenueCat's State of Subscription Apps report. Each episode in this series will explore one crucial topic and share actionable insights from top subscription app operators.Top Takeaways:

In this episode, Joey Romero sits down with Matt MacFarland and Amanda Han of Keystone CPA to explore the tax strategies real estate investors need to know. From cost segregation and bonus depreciation to real estate professional status and the short-term rental loophole, the conversation breaks down complex tax concepts into practical insights. Matt and Amanda also share how they transitioned into working with real estate investors and why staying ahead of changing tax laws is critical for both CPAs and investors.Amanda Han and Matthew MacFarland are CPAs and Managing Directors with more than two decades of experience in tax planning and advisory for real estate investors and high-net-worth individuals. Amanda, a UNLV graduate and seasoned real estate investor, is the author of several bestselling tax strategy books and has shared her expertise on platforms including Money Magazine, Google Talks, and CNBC. Matt, who earned his accounting degree from UCLA and a Master's in Taxation from USC, is the author of The Book on Advanced Tax Strategies for Real Estate Investors and a frequent speaker on real estate tax planning. Together, they help investors build wealth through proactive and strategic tax planning.In this episode:Joey welcomes Matt MacFarland and Amanda Han of Keystone CPA.How Keystone CPA helps investors navigate tax strategy and long-term financial planning.The journey from traditional accounting to specializing in real estate investor tax planning.Common tax planning mistakes real estate investors make and how proactive strategies can improve outcomes.Why CPAs must constantly adapt to evolving tax laws and industry changes.How bonus depreciation affects cost segregation strategies for real estate investors.A breakdown of the requirements for qualifying as a real estate professional, including material participation hours.An explanation of the short-term rental loophole and how some investors use it for tax advantages.The Norris Group originates and services loans in California and Florida under California DRE License 01219911, Florida Mortgage Lender License 1577, and NMLS License 1623669.  For more information on hard money lending, go www.thenorrisgroup.com and click the Hard Money tab.Video LinkRadio Show

Financial literacy is not just a client issue; it is a national opportunity for CPA financial planners to lead. With only half of Americans understanding basic financial principles and many households living paycheck to paycheck, the profession is uniquely positioned to step beyond the conference room and into classrooms, community groups, and public conversations. In this episode, Host Cary Sinnett discusses with Julia Bush how CPAs can turn technical expertise into measurable impact. Julia explains why financial literacy remains one of the most critical life skills Americans are often expected to "teach themselves" and why that model continues to fall short, particularly for students. While 30 states now require personal finance education in high schools, funding and implementation gaps persist. The conversation explores: The behavioral gap between knowing and doing in personal finance Why accountability and small actionable steps matter How CPAs can partner with schools, nonprofits, and community groups The impact of organizations like Junior Achievement Practical first steps financial professionals can take to create measurable change For CPA financial planners, this episode is both a call to action and a roadmap for engagement. AICPA Resources: Financial Literacy Junior Achievement Volunteer Invest in girls Institute for Financial Education and Prosperity This episode is brought to you by the AICPA's Personal Financial Planning Section, the premier provider of information, tools, advocacy, and guidance for professionals who specialize in providing tax, estate, retirement, risk management and investment planning advice. Also, by the CPA/PFS credential program, which allows CPAs to demonstrate competence and confidence in providing these services to their clients. Visit us online to join our community, gain access to valuable member-only benefits or learn about our PFP certificate program. Subscribe to the PFP Podcast channel at Libsyn to find all the latest episodes or search "AICPA Personal Financial Planning" on your favorite podcast app.  

Amy Morin and Ralph Gigliotti, manager of R&A CPAs, star in our latest MBV Podcast release, 'The Science of Certainty: Who Should Actually Value Your Business? - Part One (#273).' Their discussion explores the key drivers of enterprise value, such as reducing owner dependency and customer concentration, while explaining why a formal appraisal is necessary at least five to seven years before an exit. Listeners will walk away with a clear roadmap for improving their company's risk profile and team culture to ensure they don't leave value on the table when it's time to transition. This episode is the first of a two-part release. Don't miss next Friday's release! Tune in weekly to hear more from Mastery Partners and to receive relevant key content on your journey to maximizing your business value! GET THE BOOKS: Start with Maximizing Business Value by Tom BronsonLearn More about Amy MorinAmy Morin is an accomplished entrepreneur and Business Growth Coach who brings exceptional value to your network. She has an impressive background as a Certified EOS Implementer®, Outgrow Sales Advisor, and Certified Exit Planning Advisor®. What makes Amy truly remarkable is her real-world success. She co-founded and scaled a company from zero to $40 million in revenue across multiple states before executing a successful exit. Later, she purchased a struggling Montana fly-fishing resort, implemented effective systems and accountability measures, and transformed it into a profitable enterprise that she also successfully exited. Learn More about Ralph GigliottiRalph Gigliotti is a business valuation expert creating successful results for high-net-worth business owners navigating transitions. He helps his clients maximize enterprise value by focusing on company weaknesses that diminish value to a buyer, mapping out value potential, and directing them in a best practice course of action. He also works with business owners going through transitions, whether an actual merger and acquisition process, estate and gift tax planning, or other related compliance matters. Ralph has more than 25 years of experience performing valuations of businesses, business interests, and intangible assets. He works with closely held businesses generating between $10 million and $300 million in annual revenues in a wide range of industries.Mastery Partners Elevating Businesses to Achieve The Business Owner's Dream Exit The unfortunate reality is that for every business that comes on the market (for whatever reason), only 17% of them achieve a successful exit. You read that right. 83% of attempted business transitions never reach the closing table. Mastery Partners is on a mission to change that. We ELEVATE businesses to achieve maximum value and reach that dream exit. Our objectives are simple - understand where the business is today, identify opportunities for dramatic improvement, and offer solutions to enhance the business, making it more marketable and valuable. And that all starts with understanding the business owner's definition of his or her dream exit. Mastery has developed a 4-Step Process to help business owners achieve their dreams. STEP 1: Transition Readiness Assessment STEP 2: Roadmap for Value Acceleration STEP 3: Relentless Execution STEP 4: Decision: Now that desired results are achieved, the business is ready for the next step in the journey! CONNECT WITH MASTERY PARTNERS TO LEARN MORELinkedInWebsite© 2025 Mastery Partners, LLC.

Episode SummaryRon Phelps, a wealth advisor with nearly 30 years of experience, joins the Influential Advisor Podcast to discuss his book Beyond the Sales Pitch: A Roadmap for Finding the Wealth Advisor You Deserve. Ron shares his journey from growing up in a tough Milwaukee neighborhood to military service to building a client-centered advisory practice. The conversation covers what separates a true trusted advisor from the rest of the industry, why jargon-free communication matters, and the questions every consumer should ask when evaluating a financial professional.Key Topics CoveredRon's Background & Origin Story — Growing up without means in Milwaukee, raised by a single mom on public assistance. A formative childhood experience at a grocery store shaped his drive to help others achieve financial security. After graduating high school at 17, he joined the Army during Desert Shield/Desert Storm, later earning an accounting degree and launching his advisory career in 1996.The Philosophy of Giving Back — Ron rejects the industry coaching that says advisors should only work with multimillion-dollar households. He shares the story of Jack, an 18-year-old tradesperson who saved $30,000 and became a client, illustrating that giving back means meeting people wherever they are on their financial journey.Ditching Jargon for Real Outcomes — Clients don't care about Sortino ratios or PE ratios — they care about retiring with dignity, building a legacy, and knowing they'll be okay. Ron's approach starts with understanding the person, their family, and their goals before ever discussing assets.What a Trusted Advisor Actually Does — Comprehensive planning goes far beyond picking stocks and funds. It includes estate planning, tax management, legacy planning, charitable giving, and proactive problem-solving. Ron details his team's communication cadence: quarterly calls, monthly market updates, and webinars that now draw 50–70 attendees.Creative Financial Solutions — Using the "Warren Buffett principle" of leveraging portfolio dividends and liquidity access lines so clients never have to permanently reduce their wealth to fund major life events like weddings or land purchases.Working with Business Owners — Succession planning, business valuations (offered at no additional cost), tax-efficient retirement strategies, and connecting clients with business opportunity advisors for selling or franchising.Legacy & Purpose — The story of Don, a client of nearly 30 years who went from being overleveraged on 400 apartment units to donating $22 million to a local cancer center — proof of what a long-term advisory relationship can accomplish.Questions to Ask Your Advisor — Ron recommends asking for 10 client references (not just one or two), understanding how the advisor charges, whether they invest their own money the same way, whether they have a true team with continuity planning, and whether they have a network of CPAs and estate planning attorneys.Guest InfoRon Phelps — Managing Director, The Phelps GroupBook: Beyond the Sales Pitch: A Roadmap for Finding the Wealth Advisor You DeserveWebsite: www.beyondthesalespitch.comSupport the show

Kiera is joined by Derick Van Ness of Big Life Financial to talk about taxes, and how to handle them beyond simply thinking of them as a necessary evil. The pair discuss knowing your numbers, utilizing tax credits, the magic touch of a CPA, and more. Episode resources: Subscribe to The Dental A-Team podcast Schedule a Practice Assessment Leave us a review Transcript: The Dental A Team (00:00) Hello, Dental A Team Listeners, this is Kiera. And today I am super excited. This is one of our top favorite guests that has been on the podcast. We're bringing him back on because there are some new updates and our clients love him. I love him. He is incredible. Derick Van Ness, he is with Big Life Financial. And you might have heard him on the podcast before talking about R &D credits, tax saving ideas, CPA.   This man does a lot of your wealth and how to build and keep your wealth. So I always love our conversations and just like his good information. Plus, if I remember right, he might know Garrett Gunderson. So obviously I've been a fangirl since day one. Derick, welcome back to the show. How are you today?   Derick Van Ness (00:42) Well, I'm doing great and really happy to be here with you, Kiera. I'm not Garrett Gunderson because he is taller and better looking, but I'm a good second place.   The Dental A Team (00:48) Ha ha ha!   I think that you're great. The fact that you know Garrett Gunderson, that already just has elevated you. I mean, I think it was one of our first conversations we ever had. And I was like, have you ever read like Killing Sacred Cows? And you're like, I actually know Garrett Gunderson. I was like, what? Fangirling. So ⁓ anyway, Derick, for those who have not met you, haven't heard your episode, because we do have new listeners to the podcast. Just kind of give them a little intro of who is Derick Bennis? What is Big Life Financial? And give the listeners a little intro to who you are.   Derick Van Ness (01:20) Okay, well outside of being ⁓ in love with my wife, in love with art and in love with racing sailboats, what I do professionally is I help ⁓ doctors and dentists to be smarter with their money. So what does that mean? That means how do you, not so much to make it, I mean we do help people scale, but once you make the money, which is something a lot of dentists are good at, how do you keep it through tax savings? How do you grow it and how do you protect it, right?   And today we're going to talk a little bit about how do you keep more what you make? Because honestly, for dentists, even though taxes seem boring when you don't have to write that $50,000 or $100,000 or $200,000 check, it gets a lot cooler. If you would have told me I'd be a tax and financial guy when I was a kid, I probably would have just taken an early exit somewhere and jumped off a bridge. But I really see money in what we do as a lifestyle business. It's not about money.   The Dental A Team (02:01) Yeah.   Derick Van Ness (02:17) If you have enough, then money is what it is. When you don't have enough, it's a problem. And I just find for a lot of people, it's the reason or excuse that they constrain themselves. They don't spend time with family. They don't think do things that they want to do. They don't have the experiences that are going to change their life. So when we can get money out of the way, then you can live your big life, which is why the company's big life financial, because it doesn't matter if you have more or less money. The question is, what's the life you're living? What's your quality of life?   And so taxes are a big piece of that. Obviously we can't talk about everything on a podcast like this, because you'd be buried under a ton of bricks. But that's what I do is I try to make this stuff easy. I try to make it fun. And I want you to realize that the whole point of all this money stuff is so that you can live a life you want to   The Dental A Team (02:55) You   Which Derick, that's why we have connected. You have met my husband. have had personal conversations outside of the podcast because I very much align and subscribe to this lifestyle and this mode of thinking. I believe that practices should work for us and us not work for our practices. I believe that we became business owners to have these big lives and these, audacious dreams. And yet I feel so many people live below their, their potential. They are trapped. They are.   Derick Van Ness (03:33) Mm-hmm.   The Dental A Team (03:34) It's crazy. I ⁓ had a client and she actually made so much money last year, which was amazing because the year before she was like, Kiera, I want to make more. So I was like, great, we're going after profit and production like blinders on. Don't talk to me about anything else. And she had like a crazy year and she's like, great. Now I have this huge check. I've got to write in taxes. And I was like, not my problem. Like you need better CPA help on that, but glad we made you the money. But I bring that up because one, it was a huge win for a client, but two,   Derick Van Ness (03:52) I don't know.   Yep.   The Dental A Team (04:02) I think that people being able to keep the money that they make, hold on to more money that they make. Like I love that we live in America and it's a free country and that we get to pay taxes. Like I'm so freaking grateful for that. With that said, I do not want to pay one penny more than I need to. And I want to maintain and keep as much as I possibly can to live the life I want and to not feel the guilt of being a successful business owner and to do the fun things that I always imagined and dreamed of doing without the guilt of doing it. And I think so many people are so scared of.   Derick Van Ness (04:11) Yep.   The Dental A Team (04:32) being financially free, they're scared to spend money. They get hit with tax burdens left and right. I can't tell you how many dentists that I hear at the end of their career and they've had great careers, but they have no financial stability. like, Derick, this is the stuff that stresses me out and keeps me up at night and which is why you're on the podcast because I want people to be smarter. want them to be more educated and I want them to live happier lives. So let's walk through like R and D credits and CPA and like how people can live a more enriched   Derick Van Ness (04:33) Mm-hmm.   Yep.   The Dental A Team (05:02) big life today rather than waiting. I think it's just a fun topic to talk about. I'm intrigued, so let's talk about it.   Derick Van Ness (05:07) Yeah   Well, let's do. mean, we can start generally with taxes and then we can kind of move into the credits piece because it is like a it's just a small very segmented piece of what you do with your taxes. overall, the biggest thing I see is most people see taxes as like a necessary evil. This is the thing I have to deal with. When people see something as a necessary evil, what do they do? They do the minimum. Right. And what that really turns into is   You're not talking with your CPA. You're not coordinating with them. You're not being proactive. At the end of the year, you just want to do the least. So you just hand them all your stuff. I realize people don't come in boxes anymore. Now it's like, here's my QuickBooks password. Or I add you to my account. ⁓ And then they tell you how much you owe. But if you ran your business that way, if you just didn't look at anything all year, and at the end of the year, you're like, I wonder how we did. Wouldn't go so well if you didn't talk to your team about anything. What's that?   The Dental A Team (06:01) People do that though, Derick. They do it all the   time. This is not abnormal. They do it all the time. They're like, my gosh, I owe how much? my gosh, we didn't hit goal. And I'm like, ⁓ let's at least look at our numbers. Like that's step one. Step two, let's talk to our team. You're not wrong. I'm just shocked at how many people do this in real life. And I'm like, hey, there's a different way of living. like, maybe let's take that path. Just try it out. It's like t-shirt. Try that one on. It might feel better than your current oversized, like two baggy of clothes that don't fit. And then you're angry.   Derick Van Ness (06:11) I know.   The Dental A Team (06:30) the time. anyway go on didn't mean to interrupt the rant.   Derick Van Ness (06:32) What if I'm gonna be   a Gen Z VSCO girl? I I want the Oversight T-shirt and the angst.   The Dental A Team (06:36) Well, as I said it, as I   said it, I was like, well, that's like the current style. Like what's uncomfortable clothing? Maybe it's like the wool scratchy. I just came back from Iceland and I'll tell you what, I didn't buy a single shirt there. I was like, that is gonna scratch me. I know it's warm, but I'm not wearing that for the rest of time. Like there are softer clothes in this world that are equally as warm. Like I'll choose that. So that maybe you're wearing a wool scratchy sweater. Cause you never look at your numbers. You're always irritable. You're always angry.   Maybe you might get the oversized hoodie that's way more comfy. Maybe that's the better analogy for today.   Derick Van Ness (07:07) Well, and so you help them look at their numbers, right? What's your P &L? What are your KPIs? There are tax numbers too, right? Like I'm usually meeting with clients in September-ish to say, OK, how much have you made so far this year? What does that put us on track for December 31st? And then we have November, I'm sorry, September, October, November, December to do things to get that number at the end where you want it to be. I'm not talking about go out and spend $1.   to save $0.40, right? People do that. Oh, go buy a car. If you don't need a car, that's just a waste of money. I literally had someone who's like, should I just buy a G-Wagon? I'm like, only if you were going to buy a G-Wagon anyway. They want the tax break, but.   The Dental A Team (07:45) I mean, I asked that question too.   I mean, I do. I do ask it as well, but it's unnecessary. You're right. Like, so I can repel you you're not going to do it. Don't just because you get the tax benefit. You just have to pay the money. So, but I do ask because I want to know, just tell me I can buy the boat, Derick.   Derick Van Ness (07:58) Yeah.   Well, boats are totally different. They're way more fun, but they're also way more expensive to maintain. So I love boats. I absolutely do. But they are not cheap, right? As the saying goes, break out another 1,000. That's what boat stands for. Just go to the ocean and throw $1,000 in it every month. That's what owning a boat's like if you don't use it.   The Dental A Team (08:05) They are not. I know.   gosh, I've never heard that.   That's hilarious.   That's hilarious. I've heard like the best day and worst day of owning a boat is the day you buy it and the day you sell it. Like that's the only best days. I have a boat. I do love the boat. It is an older boat. things I'm not... Maybe mine's like break out a 10 because we've got a much older boat. But like, know, when we upgrade then we'll be in the thousand realm. ⁓   Derick Van Ness (08:28) So.   Yep.   Yeah.   Yes, yes. So boats are great. Not usually the best tax strategy. But the big thing here is when you sail a boat or when you drive a car, I heard this the other day and I thought it was perfect. It's like when you drive a car, what's bigger, the windshield or the rear view mirror? Most people are doing taxes in the rear view mirror. That is not about your expansive future. That's about recording your past, right? And so if you just did business planning one year at a time,   Like you wouldn't ever buy the building. You wouldn't ever invest in the equipment. You wouldn't ever invest in the education, right? It's the same thing for taxes. It is part of a cohesive and ongoing plan. ⁓ so when you want to plan that, we have to look into the future. And so looking into the future allows you to control your income, control your expenses. But you have to know your numbers to your point, right? Like if you don't understand a P &L,   It's really hard to do tax work because we don't know what your income is. And I have some clients who come in that way. And I have to really get them to understand that if you don't have good books, you don't have good data, it's like trying to do dentistry without a diagnostic. You just go in and start drilling teeth to see what's happening. No, you wouldn't do dentistry that way. Don't do that way with your taxes either. should I just buy this and I'll just buy that and randomly and I help those work out?   Your P &L is really like your diagnostic, right? Both on the income side, but also that's related to taxes. And so I think the big thing for people is think of taxes as an additional income stream. If you do this right, you can keep, like a lot of dentists pay 40 % or more in taxes, right? So if we can cut that from 40 down to 20 to 25 % on average, that's 15 % straight to your bottom line.   And it probably takes an average of two hours a month at most, which is pretty good, right? Like if you could add a new service into your business, no employees, no marketing, no overhead, two hours a month, but profits went up by 15%, would you take it? Most dentists would say, yeah, that six figures is pretty good.   The Dental A Team (10:53) As long as I'm not going to jail, Derick,   I don't want to go to jail. That's my only line. Like, how is this legal? Because so many people talk about tax strategy and my line is I'm willing to live in the gray, I'm just not willing to go to jail. So how do you go from 40 to 20 that's legal and ethical?   Derick Van Ness (11:01) you   Yeah, we don't want to go to jail.   Yeah, so there's two things. There are lots of little things. So research and development credits, which we'll get to in a minute, is one of those things. It's not little. I would call it a medium thing. For a lot of dentists, it's worth between $10, depending on the size of your clinic, $10,000 $50,000 a year. So it's sizable. And then there's all the pay your kids, cost segregation, salary and dividends, all that kind of stuff. And those things stack up. If you pay your kids right, then that can save you   The Dental A Team (11:21) I agree, I would too.   Mm-hmm.   Derick Van Ness (11:40) 10, 15 grand if you're in a state where you can pay your state taxes and have a federal write-off that might save you 10, 15, 20 thousand dollars a year. Taking a salary, the proper salary versus dividends that might save you another 10 or 15 thousand. So these things start to stack up but when you're in that 500,000 plus tax bracket there are things like and I can't totally get into details because this is stuff for accredited investors and I don't know who the listeners are and all that but there are   Investments you can make that have big tax breaks, right? And that could be everything from energy types of things to short-term rentals, different types of real estate. There's a lot of different stuff, right? So that sort of depends on what's the life you want to build and aligning that. ⁓ There are lots of charitable and donation type strategies where you can create some really big tax breaks. There's entity structuring, ⁓ where you take your income and how you take your income matters.   So you can really layer all of this stuff and make huge chunks, take huge chunks out of your business. The bigger you are, the bigger you can do with these things. And honestly, once you get over a million plus in income, then there's another layer of stuff you can do. It's just a lot of times the setup costs, you have to have enough tax burden to make it worth it. But there's some really neat stuff out there. And some of the stuff with the big, beautiful bill. ⁓   bringing back bonus depreciation. There's some really neat things where, oh, if you do a solar thing, you can get some credits, but then you can also get all the depreciation in the first year. And so you put in $100,000 into this type of investment. You may not make a lot of money, but you might get $150,000, $175,000, $200,000 worth of write-offs on your taxes. And when I say write-offs, mean dollars you don't pay, like true credit dollar for dollar. That could be huge, right? Things like that.   The Dental A Team (13:10) Yes.   Right.   Derick Van Ness (13:38) that a lot of people are just unaware of. And don't take that as an investment advice. I'm just telling you about things that exist in the world that may or may not be for you. Check with your financial professional. But yeah, you start stacking all these things up and you go from, I wrote $150,000 check to, I wrote a $60,000 check. And then what I like to do is help people take that 90 grand you would have given to the government. And now let's add that to what you would already save. And for a lot of people, that's   The Dental A Team (13:47) That's amazing.   Derick Van Ness (14:07) a lot more than they were already saving. So we more than doubled their savings rate. And the fastest thing you can do to build wealth is just get more money into the equation. So that's really it is we're trying to create money that you can then put to work for you outside your business. Because what nobody ever tells you is, even if you're an amazing dentist and you make all this money and you sell your practice for top dollar, and you get all that money, you become a professional investor.   The Dental A Team (14:27) you   Derick Van Ness (14:36) And if you don't have any investment skills, if you don't know how to put that money to work, if you don't know how to protect it, you're just a lamb to the slaughter. You know, everybody shows up, they got an idea. Your brother-in-law wants to start a coffee shop or a brewery. Your neighbor has the next best tech app. And all of a sudden, all this money just starts disappearing because you're not seasoned. So one of the things we like to do is get people doing these types of investments, learning, getting a skill set around it so that when you do get that big   big shot when you sell your business or you have those huge tax or those huge years and you don't pay all the taxes, you know what to do with the money. Because that's a whole different skill set than running a dental clinic.   The Dental A Team (15:17) I don't disagree. And that's why Derick, I love having you on here. And I think your comment of the goal is to get more money to put into the equation. What are the things like, I have 90 grand or I have 150. What are some of those investments that, again, realize that we're being generic and there's a reason you have to be generic is because there are rules that financial planners, advisors, CPAs have to abide by. in general terms, Derick, what are some of the ways that   Derick Van Ness (15:25) Mm-hmm.   The Dental A Team (15:45) you found to generate higher levels of wealth? We're putting more money into the equation, but what's the equation that's going to get it? And again, I know this is very, I would say like vanilla. We're just talking very much basic.   Derick Van Ness (15:56) Yeah, yeah, I'll just   give you the principles, right? The philosophy behind it. One of the things is we always, all of our lives we've heard diversify your assets. Diversify, diversify, diversify.   The Dental A Team (16:06) all weather portfolio, Ray Dalio, right? Like you got to get it everything, have it all. What is it like? think eight uncorrelated assets or something like that is what it should be. Anyway, there you go. Okay.   Derick Van Ness (16:09) Yep.   8 to 16 non-correlated asset   classes. Yep. And the idea here is this. It used to be that you could put your money in the stock market. And each individual stock did its thing based on what its performance was. Since the late 90s, early 2000s, everything's kind of gotten grouped together. Almost everybody just buys the S &P 500 or just buys index funds, which is basically the whole market.   And so if you look at the top five stocks, which are usually the Google, Apple, Tesla, Nvidia, depending on one or two others, ⁓ whatever they're doing is usually what the market's doing, right? It all has a tendency to ebb and flow together because it's all been chunked together. So I don't see those all as different asset classes anymore. How I personally invest, I'm not saying you need to buy into my ideas, but so you can have money there. But then I do think you want to have money in other things.   that maybe aren't tied to the stock market. Maybe you've got some oil and gas. Maybe you've got some farming communities in Central America. Maybe you've got someone who's doing senior living homes, someone who's developing all these empty office buildings. And they're all tied to different things. So that way, if the stock market takes a dump and goes down, that's not all your portfolio. Maybe it's 15 or 20%.   if real estate takes a hit. Yeah, your real estate takes a hit, but maybe something else does well. Having things in your portfolio that if some of them struggle during inflation, some of them do well during inflation, right? Things like gold that holds its value. And so the idea is to be able to put your money to work in a way where it's in a bunch of different buckets that aren't all tied to the same thing. And what that really creates is stability, right? And why that's so important is when you're growing your money,   The Dental A Team (17:46) Mm-hmm.   Derick Van Ness (18:09) You can have the ups and downs a little bit, but when you go to start pulling money out, the volatility, the ups and downs are what really kill your ability to pull money out, because you have to always protect against the downside. And it's why if you look at the market historically, it'll go up, depending on who you ask, 6 to 8%. But when you're pulling money out of the stock market in retirement, the numbers say sustainably over the long term, you can only pull 3 to 4%. Why is that? You would think, ⁓ I can pull.   The Dental A Team (18:21) Mm-hmm.   Right.   Derick Van Ness (18:38) six to eight, but it's three to four because of the volatility. If you are counting on that, it crashes that year and you sell. Then when the market recovers, you have less money to recover with. And over time that stacks up. So the idea there is to work with someone who has the ability to put you into different asset classes, help educate you. This also gives you a chance to try different things. So you can start to get that seasoning we were talking about and learn how money really works because   The Dental A Team (18:43) Right.   Derick Van Ness (19:09) You know, money, health and relationships are the three things that really dictate the quality of your life. And it's funny, we don't spend a lot of time in them in school, right? And so, ⁓ so it's something you have to learn, just like if you don't learn how to take care of your health, you suffer. If you don't learn how to have good relationships, you suffer. And money is another thing. All of those you can get help with, but at the end of the day, you have to be able to be competent enough.   to get the results you want. And money is just one of those things.   The Dental A Team (19:40) Yeah. No, Derick, that's a, think it's such a good way to look at it. And I will say, I was very much a baby investor and I think I still would qualify myself as pretty naive. But it is, they say like, I don't know, what is it? The eighth wonder of the world is compound interest. And it's crazy because when you start out and you just get started on your investments, it feels like this is stupid. At least I have, I've so told many financial advisors, feel like they like,   Derick Van Ness (20:04) Mm.   The Dental A Team (20:07) money monster. So it's like the cookie monster. Like I give my money to you. I never can get it back. I have no clue how to access this money. And then you start to see it and you're like, wow, that started to compound and this started to become different. And we had our first year with it. We didn't have to write such a large check to the IRS and done legally and ethically. And I was like, wow, this is a very different world that I'm living in than I have been. And it wasn't as hard as I thought. And so I, like you said, I do feel like you're   Derick Van Ness (20:11) Yeah.   The Dental A Team (20:33) comfort level and they do say that women tend to be better investors than men because women, we just put money in, we give it to you. We're like, here you go. We don't ever like go check it and watch the stocks. Stocks. Whereas men are like, cons I'm like looking at those stocks, like my husband checks it like 10 times a day. And I'm like, just don't even look at it. Like I don't even, it's the cookie monster, the money monster. You take the money. I know you haven't like taken it. People get angry with me. They're like, Kiera, we can't legally take your money. And I'm like, no, but I just have no clue how to access it. They're like you email. And I'm like, I know.   Derick Van Ness (20:44) Right.   Yep. In your brain, right?   The Dental A Team (21:02) but it like stocks and then I got to pay taxes and I don't understand any of it. But I will say, I think it's like PNLs, the language of money, the language of investing. It's a skill that you are learning. And I do agree, the younger you can learn this, the more time you have to recover if you make mistakes and versus having to be perfect later on in life. So I really very much subscribe to your model of thinking. And I love that. I love that you've talked about taxes, how to save, how to get it into   Derick Van Ness (21:11) Mm-hmm.   The Dental A Team (21:31) Again, I remember I sat in a Tony Robbins wealth mastery thing. Ray Dalio was in the room. had no clue who half like Paul Tudor Jones. I think that's his name. Like so freaking smart. I had no clue who these people were. And like here you've got like five billionaires sitting in the room with us. And I was like, I had no clue. And they start talking about this stuff. And I feel like an idiot, but I will say it's an idiot that I love to be because the more I learn about the more I'm involved in it, the more you expose yourself, the more you learn how it works.   Derick Van Ness (21:38) John Paul Tudor, yeah.   Yeah, I remember.   The Dental A Team (22:00) And I think like what you're saying, Derick, I just hope people talk to your financial advisors, get your uncorrelated assets, start building that portfolio because time, like they say, you only have so much time and the best time to plant a tree was like a hundred years ago. The next best time is today. And I just, I don't want to be that person when it comes to my portfolio where I wish I would have started. All of us will wish we started sooner, but I am grateful that we started as young as we were and are building it the way we have versus   Derick Van Ness (22:23) Yes.   The Dental A Team (22:28) waiting until like, and I don't care if you haven't started then start today. If you've been doing it, figure out how you can do more. ⁓ But I think Derick, I have a question of, I always live in scarcity. So what do you tell a client like myself where I'm always afraid that I'm going to run out of money. I don't know where it comes from. It doesn't matter how much I have. I have acorns upon acorns upon acorns. I swear like you've probably can find money in my couch. I'm not that bad. I don't have it in the couch, but like,   Derick Van Ness (22:32) Yep.   The Dental A Team (22:54) How do you get to a level where you feel comfortable spending money rather than just always saving for retirement and not living today? What's the balance of that?   Derick Van Ness (23:03) Yeah, so what I've discovered working with over 2,500 people on all of this, Kiera, is like money problems don't like quote unquote go away. They just change. In the beginning, it's like, how do I make money? I don't have enough money. How do I manage the car payment or whatever? Then you make a little bit more and you're like, okay, now I'm past survival. Like, how do I start to grow? Right? So you invest in yourself, your business, your education, whatever. Then you start to grow some more.   Then you start saying, okay, now I'm growing and I'm making money and I'm living a decent life, but how do I build for the future? So it's not just the now, then it's the future, right? And then what happens is you definitely get to a point, at least I've seen this for myself and a lot of clients is you start to make a good amount of money and the problem becomes how do I make sure that this doesn't ever go away?   Right? Like now I'm living this really good life and I can travel and I can spend time with family and I can do the things that I want to do. And I can buy nice clothes or go to nice dinner or do nice things for my kids or whatever your thing is. And I don't have to think about money. But then there's this fear of like, what if I lose that? Right. And going back. And so the money problems just change. I believe it's an instinct that's built into us. Like the monkeys that ate bananas and then just stopped worrying and didn't hoard them.   ended up dying faster than the ones that hoarded them, right? And so, like, I think it's an instinct to be paranoid, to be fear-driven, and that's where we have to, as humans, understand our wiring and say, my wiring is for survival, not for happiness and fulfillment, right? Because survival is what reproduced. Happiness and fulfillment, especially in a scary world of survival, ⁓ doesn't do very well.   The Dental A Team (24:27) Sure.   Derick Van Ness (24:52) Right? So, so we have to try to rewire our brain as much as we can. ⁓ And I think the biggest thing is to focus on a big future, a big vision. When you're moving towards something, then you're not focused on moving away from something. When you're in fear, you're, moving away from something. I'm moving away from failure. I'm moving. I'm trying to avoid losing money. I'm trying to avoid running out, trying to avoid making a mistake. You know, this about business ownership, like you can't avoid the mistakes. You just try and minimize them.   and learn from them as fast as you can. Like making mistakes is part of success and nobody says it that way, but I think it's really, really important to get that. And when you're moving towards something, you're in abundance, you're in striving, you're in goal oriented, whatever your thing is. And that doesn't have to be about money. That could be, I wanna be a great parent. I wanna get in better health. I wanna have more free time and make the same money.   So this isn't like just a money conversation, but when you're moving toward those, you have a tendency to lose your fear. I think it's when we aren't sure where to go next that we get afraid of losing ground and we do that. And so I think sometimes it's just a matter of clarity and reminding yourself, where do I want to go? What am I building? Like once you get past a certain point, like, you know, once you get past a certain amount of income or a certain amount of wealth, it's not about money anymore.   Right. It's really about contribution. It's about impact. And I think when we, our mind can really only focus on one thing at a time, especially as men, ⁓ women are much better at seeing the big picture. ⁓ But, but really when you're focused on something that holds your attention and then it doesn't drift to some of the other stuff as much, it doesn't mean you won't. Cause I'll tell you, I'm at my most vulnerable when I wake up in the morning and my brain starts doing payroll and all these other things. And like you said,   The Dental A Team (26:26) you   Derick Van Ness (26:47) I have enough cash stored away that I could not make a dollar for a year and still pay for my whole business and do the whole thing and be fine. But that doesn't mean that that instinctual part of me doesn't freak out for a minute until I come in and say, hey, we're building massive things. We're changing people's lives. Let's just focus on that and let the rest take care of itself. That really is the best thing for me is to focus on where I'm going, not where I'm afraid I might end up.   The Dental A Team (27:15) Absolutely. I   think that was good. Good wisdom there. You are the person, if you guys have heard me talk about it on the podcast, this came from Derick. He's the one who's told me it's a return on emotion, not necessarily a return on investment and like what helps you sleep at night, what helps you stay there. And I love that you talked about like it is a survival instinct. It's not a bad instinct. so loving that side, but also tempering it so that way we can enjoy the fulfillment. And again, I also think that there becomes confidence in yourself. I think enough.   enough business crashes, enough mistakes, enough things where you come back from it also teach you that there's certainty within yourself that no matter what comes your way, ⁓ you know that you'll be able to survive it, you'll be able to come. Someone told me once, it's not unsafe, it's just uncomfortable. Unless someone's running at you with like a knife and it's truly life threatening, it's like if the stock market crashes, that's like we're still safe, it's just going to be pretty dang uncomfortable for a little bit. If we become bankrupt,   Derick Van Ness (27:47) Mm-hmm.   Mm-hmm.   The Dental A Team (28:13) We're not unsafe, we're just uncomfortable. And that has given me a lot of, I think, temperance on when you think about finances, like that'd be uncomfortable, but I am still safe and I would still be alive and we can come back and we can figure things out. So Derick, I know we wanted to pivot gears and talk R &D credits, because this is something that's new. yeah, let's kind of chat that because I think we've gone through tax strategy, building wealth mindset around ⁓ how to maintain and have that.   Derick Van Ness (28:30) Well, yeah, we'll keep it short here.   The Dental A Team (28:42) return on emotion and building those skills. And I really love that you just said money issues don't ever go away, they just change shape. And I think that that's the same as business, right? Business problems just become a different flavor and different color. ⁓ But now let's talk about like some R &D credits because we've talked about R &D. I've seen several clients do very well on R &D credits. So was excited to hear like, they're back and they're back again, and they look a little different. So I'm excited to hear if you guys don't know what they are, Derick will definitely explain them and how you can.   Derick Van Ness (29:02) Yep.   The Dental A Team (29:08) Dental practices are ripe for the picking of R &D, it's exciting to have a resource for dental practices.   Derick Van Ness (29:15) Yeah, dental practices really are because the R &D credits are designed when you do new things in your business that are based in technology. And that could be computer science, engineering, biological science, or physical science, like chemistry, ⁓ which dentists are doing all of that stuff. So when you do new stuff in your business, the government realizes you're taking a risk. You're trying a new implant system. You're trying a new ⁓   a new type of diagnostic, you're trying a new flow for your patients, whatever. Sometimes it blows up in your face. I everybody listening here has tried a new piece of software and after six weeks you wanted to throw the computer out the window and you're like, we're going back to the other one, we got to find something else, right? ⁓ Or we tried 3D printing and it was just really, really hard and like some people love it, some people hate it. But at the end of the day, every time you take that risk, the government knows that you could lose money.   The Dental A Team (29:57) Totally.   Derick Van Ness (30:11) So the R &D credits are really their effort to say, don't stop innovating. Don't stop trying to get better. We know you're going to take some skin, knees, and elbows along the way. And we're willing to give you some credits to help with that. so ⁓ dentists, like dentistry is moving so fast. I don't have to tell the listeners that. There's new stuff every single quarter, every single year. Five years ago, everybody was getting crowns to be milled. Now they're 3D printing teeth and doing all, you know.   digital scans and all the other stuff and pretty quick here, think we have robots doing surgery. I don't necessarily want to be the first person to try that, but.   The Dental A Team (30:45) Yeah, me neither. I'm like number   like 200,000. I'll try it at that point. I'm usually like number two jumping off a cliff if the first person's alive, then I'll jump. Unlike innovative robots, I only have 28 teeth left, so I'll just let them practice a bit more before they come to me. It's okay. Stick with the drill and fill. Yeah, the drill and fill, I'm okay with it. It's all right. It's better.   Derick Van Ness (30:51) Yeah.   Yeah.   Yep.   I'll just pay a little more for the people.   Yes. so effectively, most dentists just don't realize they're qualifying for these credits. And so what we try to help them do is we do a free estimate to help you understand, OK, let's go through the different things that you did in your practice. It takes maybe a half an hour to identify the different things you've done. And right now, there's a window. And this is why we wanted to talk about this today, that closes on the 4th of July of 2026. So we've got about three or four months left.   where you can go back and you can file for 2022, 2023, and 2024. I don't want to bore everybody, but effectively when they did the 2017 tax rewrite, the first Trump tax rewrite, it broke the R &D credits in 2022. You could file for them, but the downside was bigger than the upside, so it wasn't worth doing. Now, they kind of did that on purpose to balance the budget, and they thought, oh, we'll change it before 2022, and then COVID happened, so they never changed it.   So it got broken. So they came back and they fixed it and said, hey, you guys can go back and claim this, but you really only have until the 4th of July. So they gave us one year to do it. ⁓ And so it's a big opportunity, a big window right now where you can get three years worth of credit. So you can literally go back. The government will send you a check for taxes you've overpaid, and you can get that money back. I won't tell you the IRS is really fast at processing this stuff, but they do get to all of them.   The Dental A Team (32:23) Wow.   No.   Derick Van Ness (32:34) And the checks come in, and we've done over 1,000 of these for clients. So it's definitely a legit thing. And the credits have been around since the 80s. They became a permanent part of the tax code in 2015. So they were kind of new. They've been around about 10 years. But the first couple of years, nobody knew. then over the last couple of years, they've become more and more popular. But then they kind of screwed them up in 22 through 24. So the reason I wanted to talk about them is if somebody is a dentist, they're not claiming these credits. But they are doing.   The Dental A Team (32:38) Wow.   Derick Van Ness (33:04) Innovative things upgrading equipment trying new software trying new techniques new implant systems new Diagnostics, whatever you probably got all these credits sitting there. You don't know about and It's worth getting a free estimate to see what's on the table. Yes You do have to amend your taxes, which is a very small pain in the butt But your total time into this should be an hour or two, which is really a short conversation You send over tax returns ⁓ A team like ours would give you an estimate   And if it seems like it's worth doing it, then you do it. You just let them do their thing and you write the check for the fee, right? So it's pretty hard to beat bang for your buck hour for hour. And like I said, for a lot of practices, it's between 1 to 2 % of your gross revenue. This is not a quote. This is just like what I've generally seen. So if you have a million dollar practice, it's probably 10 to 20 grand a year if you're doing these types of things. I mean, I have some. We just did a doctor who's got   Six offices they're getting almost a half a million dollars back right it can be it can be major and Doesn't take him any longer than to take someone with one office so you know it's it's just a big window of opportunity that I wanted to try and squeeze in here and People who haven't done this or unaware. It's like hey, we got a big opportunity and you can do this for 2025 moving forward every year. It's it's back indefinitely and so my hope is   The Dental A Team (34:07) It's incredible.   Derick Van Ness (34:32) People can do the catch up. And then from here forward, you don't even have to amend. You just party your tax return. You just don't pay the taxes. Just like you depreciate equipment or anything else and just get the tax break, the difference is tax credits are dollar for dollar. So if you get $10,000 tax credit, it's just $10,000 you don't pay in taxes, not a $10,000 write off, which might be worth $3,000 or $4,000.   The Dental A Team (34:40) awesome.   Mm-hmm.   Totally. No, and I think Derick, I'm so glad you brought this up. And at first I was creeped out by you. I'm not going to lie. Like when you first started talking about it, was like, are these like, I don't know, what are they called? The opportunity zones. And like, I heard a lot of people got their shorts burned on those. And I was like, do I even put this on the podcast? But I will say, Derick just said he's done thousands of them. They have had great success. I have seen clients tell me, thank you. So that's why I wanted Derick to come on because any client that comes from Dental A Team does get preferred.   Derick Van Ness (35:03) you   huh.   The Dental A Team (35:26) I don't know treatment. don't know what you guys do, but I do know that there's, ⁓ you guys get, you just said you get pushed to the front of line. If you mentioned you heard on Dental A Team podcast, we also have a link with big life financial. I'm pretty sure Derick, if I remember right, I'm pretty sure we do. ⁓ but definitely wanted you guys to have that, especially with a closing in July. And it's something where I love that Derick will just like, he's met with me and my husband several times to talk about multiple things. Derick is non pushy. And I appreciate that about you, Derick. You ⁓ educate.   Derick Van Ness (35:27) Treatment, yep, yep, front of the line.   We do. Yep.   The Dental A Team (35:56) and then give people the information and then you're to make the decisions on your own. So I think like, why not? Why not reach out to Derick? Why not just like see what it looks like? And then you have their resources. They're not going to file unless you want them to. You don't have to break up with your CPA if they file for you. I'm pretty sure. Is that right? Like you don't have to switch.   Derick Van Ness (36:09) Correct.   No, no, yeah,   you don't have to. We can amend it for you. But in a lot of cases, it makes sense to just have your CPA do it. They've got all your information. So but we can handle it either way.   The Dental A Team (36:25) So I think like on that, I just feel it's very much worthwhile. And I know Big Life Financial does a lot. do. I'll let you like take it because I know you guys are added to more services. But I think like if nothing else, we want to have the call to action of like, just look into the R &D credits. Like I said, I have seen multiple checks go to practices. They have not been audited. ⁓ Things have gone very smoothly for them. I was skittish. But I mean, Derick, we've been talking about this, I don't know, almost five years now, if not longer, that we've been telling practices about it. So.   Derick Van Ness (36:52) Yep.   The Dental A Team (36:54) very excited, but Derick, kind of tell about the makeup of what Big Life Financial is and then how people can reach out to you, especially in particular to the R &D credits.   Derick Van Ness (37:04) Yeah, so for the R &D credits, just go to, it's just BigLifeFinancial.com So BigLifeFinancial.com/DAT D-A-T right? Dental A Team. And all you got to do is just set up a time there to talk with myself or someone on my team. It's like a 15 minute call. And we'll just screen it, see if it makes sense. Beyond that, we do offer full service taxes if for some reason you're looking for tax breaks or you feel like you're, for one reason or another, you need to make a change.   then we can do that. We do also work with an RIA. So if you're looking for some of these investments that might have tax breaks or other diversification or whatever, we have those capabilities as well. So we really try to be front to back like what we call like a family office or a fractional family office, which is what the super rich people have. They just have an attorney and a CPA and a   Uh, an insurance guy, an investment guy, or probably 10 investment guys who all just work for them. Obviously most people can't afford to have an entire team that just works for them. So we work with a limited number of people, but we have a coordinated team that way. And, and it's taken me like 10 years to find the right people to do that. That's, that's really it because the Uber wealthy have those people, the people who are making 50 or a hundred thousand bucks a year, they don't need it. We really work in this sweet spot where a lot of people make.   300,000 400,000 on the low end to 2 3 million on the high end. And they're kind of in between, not rich enough to have the team that's all working together all the time, but rich enough that you really need it. Like this segment of the population is the one that just gets crushed on taxes. ⁓ And so we're really doing our best to help minimize that. So that's why we work so much with dentists and doctors.   The Dental A Team (38:56) That's amazing. I love that Derick. And I think for everybody, it was BigLifeFinancial.com slash DAT. We'll be sure to like link that in the show notes and also add it for you guys. But, and Derick, love, I didn't know what a family office was at first. And then I found out hanging out with a lot of wealthy people, what it is. And so for you to provide that, think worth conversations ⁓ and definitely appreciate the insights today. It was a really fun episode. I'm glad we got back together. It's been too long. ⁓ And like truly guys, just reach out.   Again, I would do it as exploration. would do it as like, just find out anytime I hear things like this, I just go book meetings. It doesn't mean I need to actually execute on it. But I think again, learning the language of business, learning the education, seeing if it fills right for you. Now you can ask a million people, but like I said, Derick and I have been doing this for about five years and every client that has been referred to Big Life Financial has gone through, has told me how much they've been grateful for it. So Derick, I appreciate you. Any last wrap up thoughts today as we wrap up today? I appreciate our time so much today together.   Derick Van Ness (39:55) No, I think it's just understanding that part of building wealth is beyond just making income, right? Just making income won't build the life you want to live. Once you earn the money, you got to take care of it. And there's a lot of pieces to that. So whether it's with us or someone else, just take that on for your family's sake. It's not just about making it. It's keeping it and being smarter with it. And if you do that, you're going to be in good hands.   The Dental A Team (40:20) amazing. Well, Derick, thank you so much for being here today. Thank you all for listening. I love what Derick said, like it's not just enough to make the money, we need to figure out how to keep the money and set yourselves up for the great lives that you've been building and to truly have that big life as Derick has described it. So for all of you listening, I hope that today you don't just passively listen, but you actively take action and commit to having the wealth of your life, the wealth of your dreams to have that life that really ⁓   is the life of your dreams. there's a quote from my mirror from when I was little where I said, don't just dream, do. And I think that that's how I'll leave you today. So for all of you listening, thank you for listening and we'll catch you next time on the Dental A Team Podcast.

In this episode of Know Your Numbers, REI Podcast, Chris McCormack sits down with cost segregation expert Tom Brodie of Cost Segregation Services, Inc. to expose why most real estate investors — and even CPAs — get depreciation wrong.With over 60,000 studies completed nationwide, the reality is shocking: most property owners still don't understand how powerful cost segregation can be.Discover how to unlock massive first-year deductions, properly use bonus depreciation, and leverage the time value of money to create immediate cash flow. If you own rental or commercial property, this strategy could significantly reduce your taxable income. More deductions.More cash flow. Smarter investing.••••••••••••••••••••••••••••••••••••••••••••To connect with Tom, visit his Social Media Platforms:Facebook: https://www.facebook.com/tom.brodie.798Instagram: https://www.instagram.com/thefoundmoneyguy/LinkedIn: http://linkedin.com/in/thomas-brodieWebsite: thefoundmoneyguy.com••••••••••••••••••••••••••••••••••••••••••••➤➤➤ To become a client, schedule a call with our team➤➤ https://www.betterbooksaccounting.co/contact••••••••••••••••••••••••••••••••••••••••••••Connect with Chris McCormack on Social MediaFacebook: https://www.facebook.com/chrismccormackcpaLinkedIn: https://www.linkedin.com/in/chrismccormackcpaInstagram: https://www.instagram.com/chrismccormackcpaJoin our Facebook Group: https://www.facebook.com/groups/6384369318328034→ → → SUBSCRIBE TO BETTER BOOKS' YOUTUBE CHANNEL NOW ← ← ← https://www.youtube.com/@chrismccormackcpaThe Know Your Numbers REI podcast is for general information purposes only and is not intended to provide, and should not be relied on for, tax, legal, or accounting advice. Information on the podcast may not constitute the most up-to-date legal or other information. No reader, user, or listener of this podcast should act or refrain from acting on the basis of information on this podcast without first seeking legal and tax advice from counsel in the relevant jurisdiction. Only your individual attorney and tax advisor can provide assurances that the information contained herein – and your interpretation of it – is applicable or appropriate to your particular situation. Use of, and access to, this podcast or any of the links or resources contained or mentioned within the podcast show and show notes do not create a relationship between the reader, user, or listener and podcast hosts, contributors, or guests.

As a business owner, it is important to stay ahead of the curve when it comes to tax preparation. You want to make sure that you are ready for any unexpected decrease in expenses or increases in income so that you don't have any surprises when it comes time to pay your taxes. The rules and regulations change every year, and if you are not prepared, you could end up paying more taxes than necessary. In today's podcast episode, I'm discussing a few tips for getting ready for your tax preparation. Another thing to consider is whether or not you have been taking advantage of all available deductions and credits regardless of whether you are starting a business or side hustle, you're a self-employed individual, a solopreneur, entrepreneur, mompreneur, freelancer, small business owner, a remote, virtual, online, or in-house bookkeeper or accountant, a virtual assistant or VA, or other professional. There are many deductions and credits available to business owners, and they can vary. Listen in so that you can follow these tips to ensure that your business is in compliance with the latest tax laws and that you are taking advantage of all the deductions available to you. It doesn't matter if you are using a computerized software system like QuickBooks, Xero, Wave, or FreshBooks for your business finances or if you are doing your bookkeeping manually with an Excel spreadsheet or even a Google document, this episode will be helpful for you...    Join us in a community built specifically for accountants and high-stress professionals.  You'll receive support, accountability, and a community that understands what you're going through. We focus on stress reduction, increasing productivity, time management, goal achievement, health, happiness, and desired lifestyle:  https://www.financialadventure.com/community Schedule your Complimentary Stress Audit And Clarity Session, where we'll work together to create a clear and focused plan and overcome the obstacles that stand in your way so that you can move forward and immediately start enjoying your life with less stress, increased productivity, and more time to spend doing what you love with the people you care about: https://www.financialadventure.com/work-with-me Accountants, CPAs, Bookkeepers, Tax Preparers & Financial Professionals, sign up here to get updates on upcoming opportunities & grab the Audit Of Your Well-Being & Balance Guide here: https://www.financialadventure.com/accountant Ready to set up your business?  I have a program to help you get your business set up so that you can start making money.  Sign up for this program here: https://www.financialadventure.com/start Are you ready to try coaching?  Schedule an Introductory Coaching Session today.  You'll have the opportunity to see how you like coaching with an Introductory Coaching Session: https://www.financialadventure.com/intro Join us in the Mastering Your Small Business Finances PROFIT LAB if you are ready to take control of your business finances and create the profitable business you are striving for.  Are you ready to generate revenues and increase the profit in your business: https://www.financialadventure.com/profit If You Are Ready To Choose, Start Or Grow Your Side Hustle, Get Your Free Checklist And Assessment Here: https://www.financialadventure.com/sidehustle Grab Your FREE guide:  5 Essential Strategies For Stress-Free Bookkeeping: https://www.financialadventure.com/5essentials Your FREE Online Virtual Bookkeeping Business Starter Guide & Success Path Is Waiting For You: https://www.financialadventure.com/starterguide Join Our Facebook Community:  https://www.facebook.com/groups/womenbusinessownersultimatediybookkeepingboutique The Strategic Bookkeeping Academy, including Bookkeeping Basics, is open for registration!  You can learn more and sign up here: https://www.financialadventure.com/sba Looking for a payroll solution for your business?  You can get an exclusive 15% discount on your payroll services when you sign up here: https://www.financialadventure.com/adp QuickBooks Online - Save 30% Your First 6 Months: https://www.financialadventure.com/quickbooks Sign up for a virtual coffee chat to see if starting a Bookkeeping Business is right for you: https://www.financialadventure.com/discovery Show Notes:  https://www.financialadventure.com This podcast is sponsored by Financial Adventure, LLC ~ visit https://www.financialadventure.com for additional information and free resources.

Synergy Enterprises' partner and general manager Heidi Grantner and CFO Kira Rochefort, CPA, discuss how CPAs are harnessing their skills to bring value to business via sustainability reporting and carbon accounting.

The profession talks too much about deadlines and not enough about impact. Students are listening.FULL show notes hereMOVE Like ThisWith Bonnie Buol RuszczykFor CPA Trendlines ResearchThe CPA profession has only itself to blame for a talent shortage.Firms have spent years talking about the grind of deadlines and busy season, instead of selling the career's impact, stability, and range of opportunities, according to Carrie Steffen, CEO of the Iowa Society of CPAs.MORE MOVE Like This | MORE CPA Trendlines Streaming NetworkIn the new episode of MOVE Like This, Steffen tells Bonnie Buol Ruszczyk the profession must rethink its narrative, strengthen cultures of belonging, and bring younger professionals into leadership conversations if it hopes to rebuild the CPA pipeline.

Strategic Tax Planning & CPA Partnerships with Shauna “Tax Goddess” Wekherlien | Growth Amplifiers On Growth Amplifiers, host Rashana interviews Shauna, the “Tax Goddess,” a top-ranked US tax strategist and founder of Tax Goddess Business Services (2004), about proactive, legal tax strategy and how CPAs can better serve clients through strategic partnerships. Shauna shares her path from astrophysics to tax, compares tax planning to chess, and explains why specializing beats trying to do everything. She outlines key triggers that signal clients need deeper strategy (e.g., bringing Wall Street Journal articles or outside investment pitches), stresses aligning “aggression levels” between CPA, client, and strategist, and recommends including the CPA in strategy calls to build trust and protect relationships. They discuss referral partnerships, “inspect what you expect,” and a practical AI step using Google NotebookLM to match tax strategies to client situations. Shauna directs viewers to taxgoddess.com. 00:00 Welcome and Guest Intro 01:04 Origin of Tax Goddess 02:47 Why Partnerships Matter 04:28 Client Triggers to Refer 08:13 Matching Risk and Trust 11:53 Specialize to Grow 14:24 Referral Systems That Work 16:50 AI for Future Focus 18:16 Connect and Closing

What happens when a childhood dream refuses to let go? In this episode, I sit down with cartoonist and Lum and Abner historian Donnie Pitchford to explore how old-time radio, comic strips, and a love for storytelling shaped his life. Donnie shares how he grew up inspired by classic radio shows like Lum and Abner, pursued art despite setbacks, and eventually brought the beloved Pine Ridge characters back to life through a modern comic strip and audio adaptations. We talk about creativity, persistence, radio history, and why imagination still matters in a visual world. If you care about classic radio, cartooning, or staying true to your calling, I believe you will find this conversation both inspiring and practical. Highlights: 00:10 Discover how a childhood love of Lum and Abner sparked a lifelong dream of becoming a cartoonist. 08:00 Hear how college radio and classic broadcasts deepened a passion for old time radio storytelling. 14:33 Understand how years of teaching broadcast journalism built the skills that later fueled creative success. 23:17 Learn how the Lum and Abner comic strip was revived with family approval and brought to modern audiences. 30:07 Explore how two actors created an entire town through voice and imagination alone. 1:00:16 Hear the vision for keeping Lum and Abner alive for new generations through comics and audio. Top of Form Bottom of Form About the Guest: Donnie Pitchford of Texas is a graduate of Kilgore College, Art Instruction Schools, Stephen F. Austin State University and the University of Texas at Tyler. He has worked in the graphic arts industry and in education, teaching at Hawkins High School, Panola College, and Carthage High School at which he spent 25 years directing CHS-TV, where student teams earned state honors, including state championships, for 20 consecutive years. In 2010, Donnie returned to the endeavor he began at age five: being a cartoonist! The weekly “Lum and Abner" comic strip began in 2011. It is available online and in print and includes an audio production for the blind which features the talents of actors and musicians who donate their time. Donnie has created comic book stories and art for Argo Press of Austin, illustrated children's books, written scripts for the "Dick Tracy" newspaper strip, and produced the science fiction comedy strip "Tib the Rocket Frog." He has collaborated with award-winning writers and cartoonists George Wildman, Nicola Cuti, John Rose, Mike Curtis, Joe Staton, and others. In 2017, Donnie began assisting renowned sculptor Bob Harness and currently sculpts the portraits for the Texas Country Music Hall of Fame plaques. Awards include the 1978 Kilgore College "Who's Who" in Art, an Outstanding Educator Award from the East Texas Chapter of the Texas Society of CPAs in 1993, the CHS "Pine Burr" Dedicatee honor in 2010, and a Distinguished Alumnus Award in 2018 from Spring Hill High School. In 2024, Donnie was inducted into the City of Carthage Main Street Arts Walk of Fame which included the placement of a bronze plaque in the sidewalk and the Key to the City. Donnie and his best friend/wife, Laura, are members of First Methodist Church Carthage, Texas. Donnie is a founding officer of the National Lum and Abner Society and a member of Texas Cartoonists, Ark-La-Tex Cartoonists, Christian Comic Arts Society, and the National Cartoonists Society. Ways to connect with Michaela**:** https://www.facebook.com/groups/220795254627542 https://lumandabnercomics.com/ About the Host: Michael Hingson is a New York Times best-selling author, international lecturer, and Chief Vision Officer for accessiBe. Michael, blind since birth, survived the 9/11 attacks with the help of his guide dog Roselle. This story is the subject of his best-selling book, Thunder Dog. Michael gives over 100 presentations around the world each year speaking to influential groups such as Exxon Mobile, AT&T, Federal Express, Scripps College, Rutgers University, Children's Hospital, and the American Red Cross just to name a few. He is Ambassador for the National Braille Literacy Campaign for the National Federation of the Blind and also serves as Ambassador for the American Humane Association's 2012 Hero Dog Awards. https://michaelhingson.com https://www.facebook.com/michael.hingson.author.speaker/ https://twitter.com/mhingson https://www.youtube.com/user/mhingson https://www.linkedin.com/in/michaelhingson/ accessiBe Links https://accessibe.com/ https://www.youtube.com/c/accessiBe https://www.linkedin.com/company/accessibe/mycompany/ https://www.facebook.com/accessibe/ Thanks for listening! Thanks so much for listening to our podcast! If you enjoyed this episode and think that others could benefit from listening, please share it using the social media buttons on this page. Do you have some feedback or questions about this episode? Leave a comment in the section below! Subscribe to the podcast If you would like to get automatic updates of new podcast episodes, you can subscribe to the podcast on Apple Podcasts or Stitcher. You can subscribe in your favorite podcast app. You can also support our podcast through our tip jar https://tips.pinecast.com/jar/unstoppable-mindset . Leave us an Apple Podcasts review Ratings and reviews from our listeners are extremely valuable to us and greatly appreciated. They help our podcast rank higher on Apple Podcasts, which exposes our show to more awesome listeners like you. If you have a minute, please leave an honest review on Apple Podcasts. Transcription Notes: Michael Hingson  00:00 Access Cast and accessiBe Initiative presents Unstoppable Mindset. The podcast where inclusion, diversity and the unexpected meet. Hi, I'm Michael Hingson, Chief Vision Officer for accessiBe and the author of the number one New York Times bestselling book, Thunder dog, the story of a blind man, his guide dog and the triumph of trust. Thanks for joining me on my podcast as we explore our own blinding fears of inclusion unacceptance and our resistance to change. We will discover the idea that no matter the situation, or the people we encounter, our own fears, and prejudices often are our strongest barriers to moving forward. The unstoppable mindset podcast is sponsored by accessiBe, that's a c c e s s i capital B e. Visit www.accessibe.com to learn how you can make your website accessible for persons with disabilities. And to help make the internet fully inclusive by the year 2025. Glad you dropped by we're happy to meet you and to have you here with us. Michael Hingson  01:21 Well, hi everyone, and welcome to another episode of unstoppable mindset. I've been looking forward to this one for a while. We have Donny Pitchford as our guest today. You're probably going, who's Donnie Pitchford? Well, let me tell you. So years ago, I started collecting old radio shows. And one of the first shows that I got was a half hour episode of a show called Lum and Abner, which is about a couple of characters, if you will, in Pine Ridge, Arkansas. And I had only heard the half hour show sponsored by frigid air. But then in 1971 when ksi, out here in Los Angeles, the 50,000 watt Clear Channel station, started celebrating its 50 year history, they started broadcasting as part of what they did, 15 minute episodes of lemon Abner. And I became very riveted to listening to lemon Abner every night, and that went on for quite a while. And so I've kept up with the boys, as it were. Well, a several years ago, some people formed a new Lum and Abner society, and Donnie Pitchford is part of that. I met Donnie through radio enthusiast of Puget Sound, and yesterday, USA. And so we clearly being interested in old radio and all that, had to have Donnie come on and and talk with us. So Donnie, or whatever character you're representing today, welcome to unstoppable mindset. Donnie Pitchford  02:58 Huh? I'm glad to be here. Michael Hingson  03:00 He does that very well, doesn't he? It's a Donnie Pitchford  03:04 little tough sometimes. Well, I'm really glad to be here. Thank you. Michael Hingson  03:10 Well, I appreciate the audio parts of lemon Abner that you you all create every week, and just the whole society. It's great to keep that whole thing going it's kind of fun. We're glad that that it is. But let's, let's talk about you a little bit. Why don't you start by telling us about the early Donnie, growing up and all that. I'm assuming you were born, and so we won't worry about that. But beyond that, think so, yeah. Well, there you are. Tell us about tell us about you and growing up and all that, and we'll go from there. Donnie Pitchford  03:42 Well, I was born in East Texas and left for a little while. We lived in my family lived in Memphis, Tennessee for about seven years, and then moved back to Texas in 1970 but ever since I was a kid this I hear this from cartoonists everywhere. Most of them say I wanted to be a cartoonist when I was five years old. So that's in fact, I had to do a speech for the Texas cartoonist chapter of the National Cartoonist Society. And that was my start. I was going to say the same thing, and the President said, Whatever you do, don't do that old bit about wanting to be a cartoonist at age five. Everybody does that, so I left that part out, but that's really what I wanted to do as a kid. And I would see animated cartoons. I would read the Sunday comics in the Memphis Commercial Appeal, and then at some point, my dad would talk about radio, and my mother would talk about listening to radio. We would have the reruns of the Lone Ranger television show and things like Sky King and other programs along those lines, and my parents would all. Way say, Well, I used to listen to that on the radio, or I would hear Superman on the radio, or Amos and Andy or whatever was being rerun at that time, and that fascinated me. And I had these vague memories of hearing what I thought were television programs coming over the radio when I was about two years old. I remember gunshots. I remember, you know, like a woman crying and just these little oddball things. I was about two years old, and I kept thinking, Well, why are we picking up television programs on my mother's radio? Turns out it was the dying gasps of what we now call old time radio. And so at least I remembered that. But when I was about, I guess eight or nine we were, my dad took me to lunch at alums restaurant in Memphis, and I saw that name, and I thought, What in the world? So what kind of name is that? And my dad told me about London Abner, and he said it reminds me. It reminded him of the Andy Griffith Show or the Beverly Hillbillies. I said, I'd love to hear that. He said, Ah, you'll never hear it. He said, those were live they don't exist, but years later, I got to hear them. So yeah, but that's how I grew up wanting to be a cartoonist and coming up with my own characters and drawing all the time and writing stories and that sort of thing. Michael Hingson  06:24 So when did you move back from Memphis to Texas? Donnie Pitchford  06:28 July 2, 1970 I just happened to look that up the other day. How old were you then? I was 12 when we came back. All right, so got into, I was in junior high, and trying to, I was trying to find an audience for these comic strips I was drawing on notebook paper. And finally, you know, some of the kids got into them, and I just continued with that goal. And I just, I knew that soon as possible, you know, I was going to start drawing comics professionally. So I thought, but kept, you know, I kept trying. Michael Hingson  07:06 So you, you went on into college. What did you do in college? Donnie Pitchford  07:11 Well, more of the same. I started listening to some old time radio shows even as far back as as high school. And I was interested in that went to college, first at a college called Kill Gore College, here in East Texas, and then to Stephen F Austin State University. And I was majoring in, first commercial art, and then art education. And I thought, well, if I can't go right into comics, you know, maybe I can just teach for a while. I thought I'll do that for a couple of years. I thought it wouldn't be that long. But while I was at Stephen F Austin State University, the campus radio station, I was so pleased to find out ran old time radio shows. This was in 1980 there was a professor named Dr Joe Oliver, who had a nightly program called theater of the air. And I would hear this voice come over the radio. He would run, he Well, one of the first, the very first 15 minute lemon Abner show I ever heard was played by Dr Oliver. He played Jack Benny. He played the whistler suspense, just a variety of them that he got from a syndicated package. And I would hear this voice afterwards, come on and say, It's jazz time. I'm Joe Oliver. And I thought, Where have I heard that voice? It was, it's just a magnificent radio voice. Years later, I found out, well, I heard that voice in Memphis when I was about 10 years old on W, R, E, C, radio and television. He was working there. He lived in Memphis about the same time we did. Heard him on the campus station at Nacogdoches, Texas. Didn't meet him in person until the late 90s, and it was just an amazing collection of coincidences. And now, of course, we're good friends. Now he's now the announcer for our audio comic strip. So it's amazing how all that came about. Well, I Michael Hingson  09:16 I remember listening to sort of the last few years of oval radio. I think it was, I don't remember the date now, whether it's 57 or 50 I think it's 57 the Kingston Trio had come out with the song Tom Dooley, and one day I was listening to K and X radio in Los Angeles. We lived in Palmdale, and I heard something about a show called suspense that was going to play the story of Tom Dooley. And I went, sounds interesting, and I wanted to know more about it, so I listened. And that started a weekly tradition with me every Sunday, listening to yours truly Johnny dollar and suspense, and they had a little bit of the FBI and peace and war. Then it's went into half and that that went off and Have Gun Will Travel came on, and then at 630 was Gun Smoke. So I listened to radio for a couple of hours every week, not every Sunday night, and thoroughly enjoyed it. And so that's how I really started getting interested in it. Then after radio went off the air a few stations out in California and on the LA area started playing old radio shows somebody started doing because they got the syndicated versions of the shadow and Sherlock Holmes with Sir John Gielgud and Sir Ralph Richardson. And I still maintain to this day that John Gielgud is the best Sherlock Holmes. No matter what people say about Basil Rathbone and I still think Sir John Gielgud was the best Sherlock Holmes. He was very, very good. Yeah, he was and so listen to those. But you know, radio offers so much. And even with, with, with what the whole lemon Abner shows today. My only problem with the lemon Abner shows today is they don't last nearly long enough. But that's another story. Donnie Pitchford  11:11 Are you talking about the comic strip adaptation? Okay, you know how long, how much art I would have to 11:21 do every week. Michael Hingson  11:25 Oh, I know, but they're, they're fun, and, you know, we, we enjoy them, but so you So you met Joe, and as you said, He's the announcer. Now, which is, which is great, but what were you doing then when you met him? What kind of work were you doing at the time? Donnie Pitchford  11:45 Well, of course, there was a gap there of about, I guess, 15 years after college, before I met him. And what ended up happening my first teaching job was an art job, a teaching art and graphic arts at a small high school in Hawkins, Texas, and that was a disaster. Wasn't a wasn't a very good year for me. And so I left that, and I had worked in the printing industry, I went back to that, and that was all during the time that the National London Abner society was being formed. And so I printed their earliest newsletters, which came out every other month. And we started having conventions in MENA, Arkansas and in the real Pine Ridge and the my fellow ossifers As we we call ourselves, and you hear these guys every week on the lemon Abner comic strip. Sam Brown, who lives in Illinois, Tim Hollis, from Alabama. Tim is now quite a published author who would might be a good guest for you one day, sure. And just two great guys. We had a third officer early on named Rex riffle, who had to leave due to various illnesses about 1991 but we started having our conventions every year, starting in 1985 we had some great guests. We brought in everybody we could find who worked with lemon Abner or who knew lemon Abner. We had their their head writer, Roswell Rogers. We had actors, I'm sure you've heard of Clarence Hartzell. He was Ben withers, of course, on the Old Vic and Sade show. He was Uncle Fletcher. We had Willard Waterman, parley Bayer, some of their announcers, Wendell Niles. And my memory is going to start failing me, because there were so many, but we had Bob's, Watson, Louise curry, who were in their first two movies. We had Kay Lineker, who was in their third movie. The list goes on and on, but we had some amazing when did Chester lock pass away? He passed away? Well, Tuffy passed away first, 1978, 78 and Chet died in 1980 sad. Neither of them, yeah, we didn't get to media. Yeah, we didn't meet either one of them. I've met Mrs. Lock I've met all of chet's children, several grandchildren. We spoke to Mrs. Goff on the phone a time or two, and also, tuffy's got toughie's daughter didn't get to meet them in person, but we met as many of the family as we could. Michael Hingson  14:32 Still quite an accomplishment all the way around. And so you you taught. You didn't have success. You felt really much at first, but then what you taught for quite a while, though, Donnie Pitchford  14:45 didn't you? Yes, I went back to the printing industry for about a year, and in the summer of 85 about two weeks before school started, I had got a call that they needed someone to teach Broadcast Journalism at. Carthage High School, and we had a department called CHS TV. I ran that for 25 years. I taught classes. We produced a weekly television program, weekly radio program. We did all kinds of broadcasts for the school district and promotional video. And then in the last I think it was the last 10 years or so that I worked there, we started an old time radio show, and we were trying to come up with a title for it, and just as a temporary placeholder, we called it the golden age of radio. Finally, we said, well, let's just use that, and I think it's been used by other people since, but, but that was the title we came up with. I think in 19 I think it was in 93 or 9495 somewhere in there. We started out. We just ran Old Time Radio, and the students, I would have them research and introduce, like, maybe 45 minutes of songs, of music, you know, from the 30s, 40s, maybe early 50s, big band and Sinatra and Judy Garland and you name it. Then, when the classes would change, we would always start some type of radio program that was pre recorded that would fill that time, so the next class could come in and get in place and and everybody participated, and they went out live over our cable television channel, and we would just run a graphic of a radio and maybe have some announcements or listing of what we were playing. And we did that for several years, usually maybe two or three times a year. And then in I think it was 2004 or so, we had an offer from a low power FM station, which was another another county over, and we started doing a Sunday night, one hour program each week. And I think we ended up doing close to 300 of those before I left. And so we got old time radio in there, one way or the other. Michael Hingson  17:03 Well, I remember. I remember, for me, I went to UC Irvine in the fall of 1968 and by the spring the last quarter of my freshman year, I had started getting some old radio shows. So started playing shows, and then in the fall, I started doing a three hour show on Sunday night called the Radio Hall of Fame, and we did radio every night. And what I didn't know until, actually, fairly recently, was our mutual friend Walden Hughes actually listened to my show on Sunday, and so did the gas means actually, but, but we had a low power station as well, but it made it up, and so people listened to it. And I've always been proud of the fact that during the fact that during the time I ran the Radio Hall of Fame, I'd heard of this show called 60 minutes with a guy named Mike Wallace, but never got to see it. And then it was only much later that I actually ended up starting to watch 60 Minutes. Course, I always loved to say I would have loved to have met, met Mike Wallace and never got to do it, but I always said he had criminal tendencies. I mean, my gosh, what do you think he was the announcer on radio for the Green Hornet, a criminal show, right? Sky King, a lot of criminals. Clearly the guy. Anyway, I would have been fun to meet him, but, Donnie Pitchford  18:31 and his name was Myron. Myron Wallach at the time. Wallach, you're right. I think that's right. Michael Hingson  18:37 But it was, it was fun and and so I've actually got some Sky King shows and green Hornets with him. So it's, it's kind of cool, but Right? You know, I still really do believe that the value of radio is it makes you imagine more. I've seen some movies that I really like for that the original Invasion of the Body Snatchers with Kevin McCarthy back in 1955 I thought was such a good movie because they didn't show the plants taking over the humans. It was all left to your imagination, which was so cool, and they changed all that in the later remake of it with Leonard Nimoy, which I didn't think was nearly as good, not nearly as suspenseful. But anyway, that's just my opinion. But radio, for me was always a and continues to be a part of what I like to do. And so I've been collecting shows and and enjoying and, of course, listening to lemon Abner, So what made you decide to finally end teaching? Donnie Pitchford  19:38 Well, you know, I could only do that so long. I was getting I was getting very tired, getting kind of burned out, and I had to have a change. There's something had to change. And I was able to take a few years early and retire, and I still the whole time I had a. That it was like a haunting feeling. I, you know, I wanted to be a cartoonist. I would pray, you know, you know, Lord, is there some way can I, can I get out of this? And can I do what I really want to do? And I had some mentors that was finally able to meet people that I would write letters to as a kid, a cartoonist and comic book editor named George Wildman was one of them. He was nice enough to answer my letters when I was a kid, and I'd send him drawings, and he would encourage me, or he would send little corrections on there, you know. And another one was a gentleman named high Eisemann, who passed away recently at age 98 on his birthday, but men like this inspired me, and that it kept at me through the years. I finally met George in 1994 at a convention of the the international Popeye fan club. And I'm I'm at high the same way, and also a writer named Nicola Cuddy, who wrote some Popeye comics. I met him the same way, same event, we all became friends, and I had a good friend named Michael Ambrose of Austin, Texas, who published a magazine devoted to the Charlton Comics company. Sadly, he's deceased now, but Mike and I were talking before I retired, and finally I got out of it. And he said, now that you're out of that job, how would you like to do some art? I said, That's what I want to do. So he gave me the opportunity to do my first published work, which was a portrait of artist George Wildman. It was on the cover of a magazine called Charlton spotlight, then I did some work for Ben Omar, who is bear Manor media publisher for some books that he was doing. One was Mel Blanc biography that Noel blank wrote, did some illustrations for that. This was all happening in 2010 and after that. So I was getting it was getting rolling, doing the kind of work I really wanted to do. And there's a gentleman named Ethan nobles in Benton, Arkansas, who wanted to interview me. I'd gotten, I don't know how he I forgot how he got in touch with me. Maybe he heard me on yesterday USA could be wanted to interview me about London Abner. And so he was starting a website called first Arkansas news. And somewhere in early 2011 we were talking, and I said, you know, you want this to be an online newspaper, right? He said, Yes. I said, What about comics? He said, I hadn't thought about that. So I said, Well, you know, you're a big Lum and Abner fan. What if we could we do a Lum and Abner comic strip? He said, Well, who would Where would I get? Who would do? And I said, Me. So I drew up some proposals, I drew some model sheets, and we did about four weeks of strips, and got approval from Chester lock Jr, and he suggested there's some things he didn't like. He said, The lum looks too sinister. He looks mean. Well, he's mad. He said he's mad at Abner. This won't happen every week. He said, Okay, I don't want LOM to be I said, Well, you know, they get mad at each other. That's part of the that's the conflict and the comedy Michael Hingson  23:30 at each other. Yeah. Donnie Pitchford  23:33 So we, we ironed it all out, and we came up with a financial agreement, and had to pay royalties and one thing and another, and we started publishing online in June 2011, and about six weeks later, the MENA newspaper, the MENA star in MENA, Arkansas, which was the birthplace of Lyman, Abner, Chet Locke and Norris Goff, they picked it up, and then we had a few other newspapers pick it up. And you know, we're not, we're not worldwide, syndicated in print, but we're getting it out there. And of course, we're always online, but and the first Arkansas news went under three or four years later, and so now we have our own website, which is Lum and Abner comics.com so that's where you can find us Michael Hingson  24:24 online. So where's Pine Ridge? Donnie Pitchford  24:28 Pine Ridge is about 18 miles from Mena, Arkansas. MENA is in western Arkansas, and Pine Ridge is about 18 miles east, I believe I'm trying to picture it in my mind, but it's it's down the road, and it actually exists. It was a little community originally named for a postmaster. It was named waters, waters, Arkansas, and in 1936 the real. At cuddleston. He was a real person who owned a store there in waters, and was friends with the locks and the golfs with their parents, as well as Chet and Tuffy. But he proposed a publicity stunt and an actual change of name to name the community Pine Ridge. So that's how that happened. Michael Hingson  25:24 Now, in the original 15 minute episodes, who is the narrator? Donnie Pitchford  25:28 Well, it depends what era their first one trying to remember. Now, Gene Hamilton was an early announcer in the Ford days, which was the early 30s. We don't have anything recorded before that. Charles Lyon was one of the early announcers, possibly for for Quaker Oats. I don't have any notes on this in front of me. I'm just going on memory here. Memory at the end of a long week. Gene Hamilton was their Ford announcer. Carlton brickert announced the Horlicks malt and milk did the commercials when they 1934 to 38 or so. Lou Crosby took over when they were sponsored by General Foods, by post them, the post them commercials, and Lou stayed with them on into the Alka Seltzer era. And his daughter, the celebrity daughter, is Kathie Lee Crosby, you may remember, right, and she and her sister Linda, Lou were a couple of our guests at the National lemon Avenue society convention in 1996 I think let's see. Crosby was Gene Baker came after Crosby, and then in the 30 minute days, was Wendell Niles. Wendell Niles, yeah, in the CBS the 30 minute series and Wendell. We also had him in Mina, super nice guy when it came, when it got into the later ones, 1953 54 I don't remember that announcer's name. That's when they got into the habit of having Dick Huddleston do the opening narration, which is why we now have Sam Brown as Dick Huddleston doing that every week. Michael Hingson  27:27 So was it actually Dick Huddleston? No, it Donnie Pitchford  27:30 was North golf, tough. He always played the part of Dick Huddleston. Okay, the only, the only time that, as far as I know, the only time the real dick Huddleston was on network radio, was at that ceremony in Little Rock Arkansas, when they changed the name of the town that the real dick Huddleston spoke at that event. And we actually, we discovered a recording of that. I was just gonna ask if there's a recording of that there is. Yeah, it's on 12 inch, 78 RPM discs. Wow. And they were probably the personal discs of lock and golf, and they weren't even labeled. And I remember spinning that thing when Sam Brown and I after we found it, it was down in Houston, and we brought them a batch of discs back, and I remember spinning that thing and hearing the theme song being played, I said, this sounds like a high school band. And suddenly we both got chills because we had heard that. I don't know if it was the Little Rock High School band or something, but it's like, Can this be? Yes, it was. It was. We thought it was long lost, but it was that ceremony. Wow. So that was a great find. Michael Hingson  28:45 Well, hopefully you'll, you'll play that sometime, or love to get a copy, but, Donnie Pitchford  28:50 yeah, we've, we have we played it on yesterday, USA. Oh, okay, so it's out there. Michael Hingson  28:57 Well, that's cool. Well, yeah, I wondered if Dick Huddleston actually ever was directly involved, but, but I can, can appreciate that. As you said, Tuffy Goff was the person who played him, which was, that's still that was pretty cool. They were very talented. Go ahead, Donnie Pitchford  29:19 I was gonna say that's basically tough. He's natural speaking voice, yeah, when you hear him as Dick Huddleston, Michael Hingson  29:24 they're very talented people. They played so many characters on the show. They did and and if you really listen, you could tell, but mostly the voices sounded enough different that they really sounded like different people all the time. Donnie Pitchford  29:41 Well, the fun thing are the episodes where, and it's carefully written, but they will, they will do an episode where there may be seven or eight people in the room and they get into an argument, or they're trying to all talk at the same time, and you completely forget that it's only two guys, because they will overlap. Those voices are just so perfectly overlapped and so different, and then you stop and you listen. So wait a minute, I'm only hearing two people at a time, but the effect is tremendous, the fact that they were able to pull that off and fool the audience. Michael Hingson  30:15 I don't know whether I'd say fool, but certainly entertained. Well, yeah, but they also did have other characters come on the show. I remember, yes, Diogenes was that was a lot of fun listening to those. Oh yeah, yeah, that was Frank Graham. Frank Graham, right, right, but, but definitely a lot of fun. So you eventually left teaching. You decided you accepted jobs, starting to do cartoons. What were some of the other or what, well, what were some of the first and early characters that you cartooned, or cartoons that you created, Donnie Pitchford  30:50 just, you mean, by myself or Well, or with people, either way, I did some things that were not published, you know, just just personal characters that I came up with it would mean nothing to anybody, but a little bit later on, I did a little bit of I did a cover for a Popeye comic book. Maybe 10 years ago, I finally got a chance to work with George Wildman, who was the fellow I talked about earlier, and it was some of the last work he did, and this was with Michael Ambrose of Argo press out of Austin, Texas. And we did some early characters that had been published by Charlton Comics. They had, they had characters, they were, they were rip offs. Let's be honest. You know Harvey had Casper the Friendly Ghost. Well, Charlton had Timmy, the timid ghost. There, there was Mighty Mouse. Well, Charlton Comics had atomic mouse, so and there was an atomic rabbit. And Warner Brothers had Porky Pig. Charlton had pudgy pig, but that was some of George's earliest work in the 1950s was drawing these characters, and George was just he was a master Bigfoot cartoonist. I mean, he was outstanding. And so Mike said, let's bring those characters back. They're public domain. We can use them. So I wrote the scripts. George did the pencil art. Well, he inked the first few, but Mike had me do hand lettering, which I don't do that much. So it was that was a challenge. And my friend high Iseman taught lettering for years and years, and so I was thinking, high is going to see this? This has to be good. So I probably re lettered it three times to get it right, but we did the very last story we did was atomic rabbit and pudgy pig was a guest star, and then George's character named brother George, who was a little monk who didn't speak, who lived, lived in a monastery, and did good deeds and all that sort of thing. He was in there, and this was the last thing we did together. And George said, you know, since I've got these other projects, he said, Do you think you can, you can ink this? So that was a great honor to actually apply the inks over George's pencil work. And I also did digital color, but those were some things I worked on, and, oh, at one point we even had Lum and Abner in the Dick Tracy Sunday comic strip, and that was because of a gentleman named Mike Curtis, who was the writer who lived in Arkansas, was very familiar with Lum and Abner, and he got in touch with me and asked, this was in 2014 said, Would it be possible for me to use Lum and Abner in a Sunday cameo? So I contacted the locks. First thing they first thing Chet said was how much I said, I don't think they're going to pay us. I felt like, Cedric, we hunt, no mom, you know. And I felt like he was squire skimp at the time, yeah, but I said, it's just going to be really good publicity. So he finally went for it, and Lum and Abner had a cameo in a Sunday Dick Tracy comic strip, and about four years later, they honored me. This was Mike Curtis, the writer, and Joe Staton, the artist, who was another guy that I grew up reading from as a teenager, just a tremendous artist, asked if they could base a character on me. And I thought, what kind of murderer is he going to be? You know, it was going to be idiot face or what's his name, you know. So no, he was going to be a cartoonist, and the name was Peter pitchblende. Off, and he was, he said his job was to illustrate a comic strip about a pair of old comedians. So, I mean, who couldn't be honored by that? Yeah, so I don't remember how long that story lasted, but it was an honor. I mean, it was just great fun. And then then I had a chance to write two weeks of Dick Tracy, which was fun. I wrote the scripts for it and and then there's some other things. I was able to work with John rose, a tremendously nice guy who is the current artist on Barney Google and Snuffy Smith. We did a story, a comic book story, on Barney Google on Snuffy Smith in a magazine called Charleton spotlight, and I did the colors, digital coloring for that. So just these are just great honors to me to get to work with people like that. And Nick Cuddy, I did some inking, lettering coloring on some of his work. So just great experience, and Michael Hingson  36:02 great people, going back to atomic rabbit and pudgy pig, no one ever got in trouble with, from Warner Brothers with that, huh? Donnie Pitchford  36:09 Well, not, not on atomic rabbit, however, pudgy pig created a problem because George was doing some art, and I think somebody from Warner Brothers said he looks too much like Porky, so the editor at the time said, make one of his ears hang down, make him look a little different. But pudgy didn't last long. Pudgy was only around maybe two or three issues of the comic book, so, but yeah, that's George. Said they did have some trouble with that. Michael Hingson  36:44 Oh, people, what do you do? Yeah, well, I know you sent us a bunch of photos, and we have some of the Dick Tracy ones and others that people can go see. But what? What finally got you all to start the whole lemon Abner society. Donnie Pitchford  37:07 Oh, well, that goes back to 1983 right, and I'll go back even farther than that. I told you that my dad had mentioned lemon Abner to me as a kid. Dr Joe Oliver played a 15 minute lemon Abner show on KSA you at Stephen F Austin State University. That got me. I was already into old time radio, but it was the next summer 1981 there's a radio station, an am station in Gilmer, Texas Christian radio station that started running Lum and Abner every day. First it was 530 in the evening, and then I think they switched it to 1215 or so. And I started listening, started setting up my recorder, recording it every day. And a friend of mine named David Miller, who was also a radio show collector, lived in the Dallas area, I would send them to him, and at first he wasn't impressed, but then suddenly he got hooked. And when he got hooked, he got enthusiastic. He started making phone calls. He called Mrs. Lock chet's widow and talked to her. He spoke to a fellow who had written a number of articles, George Lily, who was an early proponent or an early promoter of lemon Abner, as far as reruns in the 1960s and it was through George Lilly that I was put in touch with Sam Brown in Dongola, Illinois, and because he had contacted Mr. Lilly as well. And before long, we were talking, heard about this guy named Tim Hollis. Sam and I met in Pine Ridge for lemon Abner day in 1982 for the first time, and hit it off like long lost friends and became very good friends. And then in 84 I believe it was Sam and Tim and Rex riffle met again, or met for the first time together, I guess in Pine Ridge. And I wasn't there that time. But somehow, in all of that confusion, it was proposed to start the national lemon Abner society, and we started publishing the Jot them down journal in the summer of 1984 Michael Hingson  39:43 and for those who don't know the Jotham down journal, because the store that lemon Abner ran was the Jotham down store anyway, right? Donnie Pitchford  39:50 Go ahead, yes. And that was Tim's title. Tim created the title The Jotham down journal, and we started publishing and started seeking information. And it started as just a simple photocopy on paper publication. It became a very slick publication. In 1990 or 91 Sam started recording cassettes, reading the journals, because we were hearing from Blind fans that said, you know, I enjoy the journal. I have to have somebody read it to me. This is before screen readers. And of course, you know this technology better than I do, but before any type of technology was available, and Sam said, Well, I'll tell you. I'll just start reading it on tape and I'll make copies. Just started very simply, and from then on, until the last issue in in 2007 Sam would record a cassette every other month, or when we went quarterly, four times a year, and he would mail those to the the blind members, who would listen to those. And sometimes they would keep them, and sometimes they would return them for Sam to recycle. But incidentally, those are all online now, Michael Hingson  41:03 yeah, I've actually looked at a few of those. Those are kind of fun. So the London Avenue society got formed, and then you started having conventions. Donnie Pitchford  41:14 Yes, yes. First convention was in 1985 and we did a lot of things with we would do recreations. We would do a lot of new scripts, where, if we had someone that we got to the point where we would have people that hadn't worked with lemon Abner. So we would have lemon Abner meet the great Gildersleeve. Actually, Willard had worked on the lumen Abner half hour show at some point. I believe les Tremain had never worked directly with them, but he was well, he was in some Horlicks malted milk commercials in the 1930s and of course, the Lone Ranger was never on the London Abner show and vice versa, until we got hold of it. So we had Fred Foy in 1999 and he agreed to be the announcer, narrator and play the part of the Lone Ranger. So we did Lum and Abner meet the Lone Ranger, which was a lot of fun. We had parley bear, so Lum and Abner met Chester of Gun Smoke. And those were just a lot of fun to do. And Tim, Tim would write some of them, I would write some of them, or we would collaborate back and forth to come up with these scripts. Did love and amner, ever meet Superman? No, we never got to that. That would have been great. Yeah, if we could have come up with somebody who had played Superman, that would have been a lot of fun. We had lemon Abner meet Kathie Lee Crosby as herself. Yeah, they met Frank brazzi One time. That must be fun. It was a lot of fun. We had some people would recreate the characters. We had the lady who had played Abner's daughter, Mary Lee Rob replay. She played that character again, 50 years later, coming back home to see, you know, to see family. Several other things, we had London Abner meet Gumby one time. Of all things, we had Dow McKinnon as a guest. And we had Kay Lineker come back and reprise one of her roles, the role she played in the London Abner movie. Bob's Watson did that as well. Some years we didn't have a script, which I regret, but we had other things going on. We had anniversaries of London Abner movies that we would play. So whatever we did, we tailored it around our guest stars, like Dick Beals, Sam Edwards, Roby Lester, gee whiz. I know I'm leaving people out. Michael Hingson  43:52 Well, that's okay, but, but certainly a lot of fun. What? Yes, what? Cartoonist really influenced you as a child? Donnie Pitchford  44:01 Oh, wow. I would say the first thing I saw that got my attention was the Flintstones on on prime time television, you know, the Hanna Barbera prime time things certainly Walt Disney, the animation that they would run, that he would show, and the behind the scenes, things that would be on the Disney show, things like almost almost anything animated as a kid, got my attention. But Walter Lance, you know, on the Woody Woodpecker show used to have, he'd have little features about how animation was done, and that that inspired me, that that just thrilled me. And I read Fred lachel's Snuffy Smith Chester Gould's Dick Tracy. Tracy, which that was a that's why the Dick Tracy connection, later was such a big deal for me. Almost anything in the Sunday comics that was big. Foot. In other words, the cartoony, exaggerated characters are called, sometimes called Bigfoot, Bigfoot cartooning, or Bigfoot characters. Those were always the things I looked for, Bugs Bunny, any of the people that worked on those some were anonymous. And years later, I started learning the names of who drew Popeye, you know, like LZ seagar, the originator, or bud sagendorf or George Wildman, and later high eysman. But people like that were my heroes. Later on, I was interested in I would read the Batman comics, or I would see Tarzan in the newspaper. I admired the work of Russ Manning. Michael Hingson  45:49 Do you know the name Tom Hatton? Yes, I do. Yeah. Yes. Tom did Popeye shows on KTLA Channel Five when I was growing up, and he was famous for, as he described it, squiggles. He would make a squiggle and he would turn it into something. And he was right on TV, which was so much fun. Donnie Pitchford  46:09 We had a guy in Memphis who did the same thing. His name was, he's known as Captain Bill, C, A, P, you know, Captain Bill. And he did very much the same thing. He'd have a child come up, I think some, in some cases, they're called drools. Is one word for them. There was a yeah, in Tim hollis's area, there was cousin Cliff Holman who did that. And would he might have a kid draw a squiggle, and then he would create something from it right there on the spot, a very similar type of thing, or a letter of the alphabet, or your initials, that sort Michael Hingson  46:43 of thing. Yeah. Tom did that for years. It was fun. Of course, I couldn't see them, but he talked enough that I knew what was going on. It's kind of fun. My brother loved them, yeah? So later on, when you got to be a teenager and beyond what cartoonist maybe influenced you more? Donnie Pitchford  47:03 Well, I would have to say George, probably because I was corresponding with him, right? Also, I would see the work of Carl Barks, who created Uncle Scrooge McDuck and the Donald Duck comics and all that. His stuff was all in reprint at that time, he was still living, but I didn't know he could be contacted. I didn't try to write to it, right? Years later, years later, I did get an autograph, which was, was very nice. But those people, a lot of people, Neil Adams, who did Batman, the guys at Charlton Comics, Steve Ditko, who was the CO creator of spider man, but he had a disagreement with Stan Lee, and went back to Charlton Comics and just turned out 1000s of pages, but his work was was inspirational. Another was Joe Staton, who was working at Charleton comics, who I got to work with on several projects later on, and I would say just all of those guys that I was reading at the time. Pat Boyette was another Charlton artist. I tend to gravitate toward the Charlton company because their artists weren't contained in a house style. They were allowed to do their own style. They didn't pay as much. But a lot of them were either older guys that said, I'm tired of this, of the DC Marvel system. I want to just, you know, have creative freedom. Charlton said, come on. And so they would work there and less stress, less money, probably one guy named Don Newton started there and became a legend in the industry at other companies. So I found all of those guys inspiring, and I felt I could learn from all of them. Michael Hingson  48:59 Well, you always wanted to be a cartoonist. Did you have any other real career goals, like, was teaching a goal that you wanted to do, or was it just cartooning it? Donnie Pitchford  49:07 Well, it was just a secondary, you know, as I said, when I started, I thought, I'll just do that for a few years. You know, I didn't know it was going to be like 27 but I we had a lot of success. We had, I had some student groups that would enter video competitions. And for 20 straight years, we placed either first, second or third in state competition with one Summit, one entry, another or another every year. And that was notable. I mean, I give the kids the credit for that. But then about five or six of those years, we had what we call state championship wins, you know, we were like the number one project in the state of Texas. So, you know, we had some great success, I think, in that so a lot of years there, I really, you know, that was a blessing to me. Was that career, you. Well, it just, it just got to be too much time for change. After a while, Michael Hingson  50:05 was art just a talent that you had, and cartoon drawing a talent you had, or, I don't remember how much you said about did you have any real special training as such? Donnie Pitchford  50:14 Well, all of my training was, I just couldn't afford to go to a specialized school. You know, at one time, the Joe Kubert School opened just about the time I graduated high school, it was in New Jersey. I just couldn't make that happen, so I went to state colleges and universities and did the best I could. I took commercial art classes, drawing classes, design classes, even ceramics, which came in very handy when I did some sculpting here in the last eight or nine years and worked as an assistant to a sculptor named Bob harness who lives here in Carthage, but I never had any actual comic strip slash comic book training, so I learned as much of that as I could from guys like George wild. And then after I started the lemon Avenue comic strip, an artist named Joe, named Jim Amish, who worked for Marvel, did a lot of work for the Archie Comics. And tremendous anchor is his. He's really a tremendous anchor, and does a lot of ink work over other artists pencils. Jim would call and say, he said, I want to give you some advice. I'm like, okay, at 3am he's still giving me advice. So I'd go around for two or three days feeling like a failure, but then I would, I would think about all the lessons, you know, that he had told me. And so I learned a lot from Jim and tremendous, tremendous guy. And I would listen to what high, sometimes high would call up and say, Why did you use that purple beg your pardon. So it was fun. I mean, those fellows would share with me, and I learned a great deal from those guys. Michael Hingson  52:11 Are you in any way passing that knowledge on to others today? Donnie Pitchford  52:16 I don't know that I am. I've had an offer or two to do some teaching. I just don't know if I'm if I'm going to get back into that or not. Yeah, I'm so at this point, focused on, quote, unquote, being a cartoonist and trying to make that, that age five dream, a reality, that I'm not sure I'm ready to do that again. And you know, I'm not, I'm not 21 anymore. Michael Hingson  52:45 I didn't know whether you were giving advice to people and just sort of informally doing it, as opposed to doing formal teaching. Donnie Pitchford  52:51 Well, informally, yes, I mean, if anybody asks, you know, I'll be glad to share whatever I can. But yeah, I'm not teaching any classes at this point. Michael Hingson  53:01 Well, you have certainly taken lemon Abner to interesting places in New Heights. One, one thing that attracted me and we talked about it before, was in 2019, lemon Abner in Oz. That was fun. Donnie Pitchford  53:17 Well, the credit for that goes to Tim Hollis. Tim wrote that as a short story years ago when he was first interested in lemon Abner. And I don't know if he ever had that published through the International oz society or not. I don't remember, but Tim later turned that into a radio script when we had a batch of guests. This was in 2001 we had, let's see Sam Edwards, Dick Beals, Roby Lester and Rhoda Williams. And each of them had done something related to Oz, either the children's records or storybook records or animation or something. They were involved somewhere in some type of Oz adaptation. So Tim turned his short story into a radio script that we performed there at the convention. So that was a lot of fun. And then he suggested, Why don't I turn that into a comic strip story? So that's what we did. But that was fun, yeah, and we used the recordings of those people because they had given us permission, you know, to use a recording however we saw fit. The only problem is we had a mistake. The fellow that was running the sound had a dead mic and didn't know it. Oh, gosh. So some of them are bit Off mic in that audio, but we did the best. I did the best I could Michael Hingson  54:40 with it's it sounded good. I certainly have no complaints. 54:45 Thank you for that. Michael Hingson  54:47 I I said no complaints at all. I think it was really fun and very creative. And it's kind of really neat to see so much creativity in terms of all the stuff that that you do. As a cartoonist, me having never seen cartoons, but I learned intellectually to appreciate the talent that goes into it. And of course, you guys do put the scripts together every week, which is a lot of fun to be able to listen to them well. Donnie Pitchford  55:17 And that's what that was, the audience I hoped that we would would tap into right there and it, it was guys like you that would would talk to me and say, What am I going to do? You know, I can't see it. So that's why the audio idea came about. And it's taken on a life of its own, really. And we've got Mark Ridgway, who has created a lot of musical cues for us that we use and Michael Hingson  55:45 who plays the organ? Donnie Pitchford  55:47 That's Mark Ridgway. It is Mark, okay, yes, yes. And it's actually digital, I'm sure. I think it's a digital keyboard, Michael Hingson  55:55 yeah, but it is. It's a, it's a really good sounding one, though. Donnie Pitchford  55:59 Yes, yes. There are a few cues that I did, which probably are the ones that don't sound so good, like if we ever need really bad music. If you remember the story we did, and I don't remember the name of it, what do we call it anyway? Lum tries to start a soap opera. Think this was about a year ago. Yeah, and Cedric is going to play, I don't remember it was an organ or a piano, and I don't remember what he played, but whatever it was, I think was Mary Had Michael Hingson  56:32 a Little Lamb, Mary's, Mary Had a Little Lamb on the piano. Sort of kind played. Donnie Pitchford  56:35 It was played very badly, well that, yes, it was on purpose. When mom plays lum tries to play the saxophone. That was me, and I hadn't played this. I used to play the sax. In fact, I played in a swing orchestra here in Carthage, Texas for about five years back in from the early 90s. And so I had this idea, and I hadn't played the horn probably since, probably in 20 years, and his. So I got it out, and I thought, you know, it's gonna sound terrible because it needs maintenance, but it doesn't matter. It's lump playing it, so I got to play really badly. Michael Hingson  57:14 It was perfect. It was perfect, Donnie Pitchford  57:16 yeah, because it had to sound bad. Michael Hingson  57:19 How do y'all create all these different plots. I remember so many, like the buzzard, you know, and, oh yeah, that was fun. And so many. How do you come up with those? Donnie Pitchford  57:28 Well, I used to get some really good ideas while mowing the yard. Don't ask me, why? Or I get ideas. I get ideas in the weirdest thing, weirdest places. Sometimes I have ideas in the shower. You know, I said, I better write this down. Sometimes I'll wake up in the middle of the night with an idea, but there the ideas just come to me. Yeah? The buzzard was fun. I'd had that one. Pretty creative. Yeah, the one about, the one about, let me see. Oh, there was one we did, where wasn't the buzzard? What was that other one? I called the Whisper? Yeah, there was a strange voice that was coming lum thought it was coming from his radio. And he turns his radio off, and He still hears it, and it was a villain who had somehow hypnotized everyone so that they wouldn't see him and he would use his voice only. And then there's a character I came up with, and let me see Larry Gasman played it, and I called him Larry John Walden, and he was the only guy he was blind. He was the only guy that wasn't hypnotized because he couldn't see the you know, I use the old thing about the watch in front of the eyes. I mean, he was the only guy that wasn't hypnotized, so he wasn't fooled by the whisper, and he could track him, because his hearing was so acute that he was able to find him. In fact, I think he could hear his watch ticking or something like that. So he was the hero of that piece. But, well, I just, I just think up ideas and write them down. Tim Hollis has written some of the scripts, maybe three or four for me, I've adapted some scripts that London Abner did that were never broadcast or that were never recorded. Rather, I've adapted a few, written several, and I keep saying, Well, when I completely run out of ideas, I'll just have to quit. Michael Hingson  59:32 Well, hopefully that never happens. What? What are your future plans? Donnie Pitchford  59:38 Well, right now, there's nothing major in the works other than just maintaining the strip, trying to continue it, trying to make it entertaining, and hopefully doing a little work on the website and getting it into the hands of more people. And I'd like to increase. Least newspaper coverage, if at all possible. And because this thing doesn't, you know, it's got to pay for itself somehow. So you know, I'm not getting rich by any means. But you know, I want to keep it fun. I want to keep having fun with it. Hopefully people will enjoy it. Hopefully we can reach younger readers, listeners, and hopefully lemon Abner can appeal to even younger audiences yet, so that we can keep those characters going. Michael Hingson  1:00:29 Yeah, there's so much entertainment there. I hope that happens now in the the life of Donnie Pitchford. Is there a wife and kids? Donnie Pitchford  1:00:40 Yes, there's a wife of almost 40 years. We unfortunately don't have any children. We've almost feel like we adopted several children all the years we were teaching. We we've adopted several cats along the way. And so, you know, we've had cats as pets for almost ever, since we were married. But that's she's, she's great, you know, she's, she's been my best friend and supporter all these years. And we were members of first Methodist Church here in Carthage, Texas, and doing some volunteer work there, and helping to teach Sunday school, and very involved and active in that church. Michael Hingson  1:01:19 So I have a cat, and I hear her outside, not outside the house, but outside the the office here, she wants me to go feed her, and we, we shaved her yesterday because her hair gets long and Matt's very easily. So she got shaved yesterday. So she's probably seeking a little vengeance from that too, but, but my wife and I were married 40 years. She passed away in November of 2022 so it's me and stitch the cat and Alamo the dog, and Karen is monitoring us somewhere. And as I tell everyone, I've got to continue to be a good kid, because if I'm not, I'm going to hear about it. So I got to be good. But it's a lot of fun. Well, I want to thank you for being with us today. This has been a lot of fun. I've learned a lot, but it's just been great to have another podcast talking about old radio shows. And you said again, if people want to reach out, they can go to lemon Abner comics.com if people want to talk to you about doing any kind of cartooning or anything like that. What's the best way they can do that? Donnie Pitchford  1:02:24 Well, they can go to the London Abner dot lumen, Abner comics.com website, and there's a contact a link right there at the top of the page. So yeah, they can contact me through that. Probably that's the easiest way to do it. Michael Hingson  1:02:37 Okay, well, I want to thank you again for being here, and I want to thank all y'all out there. That's how they talk in Texas, right? It's all y'all for everybody. Donnie Pitchford  1:02:46 Well, some of them do, and some of them in Arkansas do too. Well, yeah. Michael Hingson  1:02:49 And then there's some who don't, yeah, y'all means everything, and it Speaker 1  1:02:54 don't, yeah, I don't think squire skimp says it that way. Michael Hingson  1:02:58 Well, Squire, you know, whatever it takes. But I want to thank you all for being here, and please give us a five star rating wherever you're listening or watching the podcast. Donnie would appreciate it. I would appreciate it, and also give us a review. We'd love to get your reviews, so please do that. If you can think of anyone else who ought to be a guest, and I think Donnie has already suggested a few. So Donnie as well, anyone else who ought to come on the podcast, we'd love it. Appreciate you introducing us, and you know, we'll go from there. And I know at some point in the future, the Michael hingson Group Inc is going to be a sponsor, because we've started that process for lemon. Abner, yes, thank you. Thank you. So I want to, I want to thank love and Squire for that 1:03:45 years. Well, it's been my pleasure. Michael Hingson  1:03:50 Well, thank you all and again, really, seriously, Donnie, I really appreciate you being here. This has been a lot of fun. So thank you for coming. Donnie Pitchford  1:03:58 Thank you. It's been a great honor. I've appreciated it very much. Michael Hingson  1:04:06 You have been listening to the Unstoppable Mindset podcast. Thanks for dropping by. I hope that you'll join us again next week, and in future weeks for upcoming episodes. To subscribe to our podcast and to learn about upcoming episodes, please visit www dot Michael hingson.com slash podcast. Michael Hingson is spelled m i c h a e l h i n g s o n. While you're on the site., please use the form there to recommend people who we ought to interview in upcoming editions of the show. And also, we ask you and urge you to invite your friends to join us in the future. If you know of any one or any organization needing a speaker for an event, please email me at speaker at Michael hingson.com. I appreciate it very much. To learn more about the concept of blinded by fear, please visit www dot Michael hingson.com forward slash blinded by fear and while you're there, feel free to pick up a copy of my free eBook entitled blinded by fear. The unstoppable mindset podcast is provided by access cast an initiative of accessiBe and is sponsored by accessiBe. Please visit www.accessibe.com . AccessiBe is spelled a c c e s s i b e. There you can learn all about how you can make your website inclusive for all persons with disabilities and how you can help make the internet fully inclusive by 2025. Thanks again for Listening. Please come back and visit us again next week.

Most business owners don't have a tax problem. They have a tax planning problem.In this episode of Business by the Bay on KDOW radio 1220 AM, Ajay sits down with Emily Tsai, CPA and Founder of Meridian Tax Advisors, to discuss why so many entrepreneurs and high earners are overpaying in taxes, and don't even realize it.After rising to Senior Manager at a Top 10 national accounting firm, Emily saw a troubling pattern:1. Large firms focus on the biggest clients.2. Small firms focus on data entry.3. And the middle market gets overlooked.So she built something different, a high-touch advisory firm focused on strategic tax planning, wealth preservation, and long-term financial alignment.In this conversation, we explore:• Why 75% of CPAs retiring in the next decade creates both risk and opportunity• The costly mistake many business owners make with entity structure• Why “doing it yourself” with AI can result in expensive IRS surprises• How proactive quarterly planning can save tens of thousands annually• The difference between compliance and true tax strategy• Why your CPA should function as your financial quarterback• When to transition from sole proprietor to S-Corp or LLC• How to think about stock compensation (RSUs, ISOs, ESPPs) strategicallyIf you are a small business owner, high-income professional, real estate investor, startup employee with stock compensation, or someone who feels like they've “outgrown” their current CPA, then this episode is essential listening.Tax strategy isn't about March 15th or April 15th. It's about building financial clarity before the year ends.Connect with Emily Tsai, CPA: https://www.linkedin.com/in/emilytsaicpa/Listen now and ask yourself: is your tax professional filing history or helping you shape your financial future?

In this Milestones to Millionaire episode, we follow the financial journey of a gynecologic oncologist navigating student loans, a high cost of living, and the long runway to physician wealth. We discuss what it looks like to build wealth while still carrying debt, how short-term sacrifices can support long-term financial stability, and whether becoming a doctor still makes financial sense in today's environment. This episode highlights the tradeoffs, patience, and intentionality required during the early and mid-career years of medicine. These are the kinds of real-world financial decisions many physicians face—but rarely talk about openly. If you're a high-income physician, you already know how hard you work for every dollar. The question is: how much are you actually keeping after taxes? Gelt is a tax firm focused on proactive tax strategy, guided by expert CPAs and optimized via in-house AI tools. They work with physicians and practice owners to use the tax code more intelligently so your structure, deductions, and planning help you keep more of what you earn. As a White Coat Investor reader, you can book a free strategy intro at https://joingelt.com and receive 10% off your first year with Gelt. It's time to start using your tax plan as a lever for growth. Celebrating your stories of success along the journey to financial freedom! Tune in every Monday to the Milestones to Millionaire Podcast, where we celebrate the financial achievements of our listeners and share practical tips for reaching your own milestones. We want to celebrate your milestones—no matter how big or small—and help inspire others to follow your lead. Every week, these episodes feature one listener who has recently achieved a milestone they are proud of and want to celebrate, and they give any advice they have for those who want to follow their example. Make sure to listen every Monday to be inspired by your fellow white coat investors. Celebrate YOUR Milestone on the Milestones to Millionaire Podcast: https://whitecoatinvestor.com/milestones  Website: https://www.whitecoatinvestor.com  YouTube: https://www.whitecoatinvestor.com/youtube  Student Loan Advice: https://studentloanadvice.com  TikTok: https://www.tiktok.com/@thewhitecoatinvestor  Facebook: https://www.facebook.com/thewhitecoatinvestor  Twitter: https://twitter.com/WCInvestor  Instagram: https://www.instagram.com/thewhitecoatinvestor  Subreddit: https://www.reddit.com/r/whitecoatinvestor  Online Courses: https://whitecoatinvestor.teachable.com  Newsletter: https://www.whitecoatinvestor.com/free-monthly-newsletter 

Do you find yourself in situations where you have to make a decision, and you are worried you'll make the wrong decision, or once you make a decision, do you spend way too much time second-guessing yourself?  Thinking that maybe you should have decided something different?  Making decisions is such a big part of our lives.  We make decisions every day.  Some may be small and seem easy to do, but think for just a minute how many decisions you are making each day.  There's the decision about what time to get up, what you will wear, what to eat for breakfast, what you will do with your day, how much work you want to accomplish, and when you'll go to bed.  These decisions may seem redundant, but they are still decisions.  I find that most of my clients run into problems when they think they have to make a big decision.  So often, they will put their decision off or avoid it so they don't have to make the decision or worry about making the wrong decision.  Have you found yourself in this situation, if so, let's dive in… Join us in a community built specifically for accountants and high-stress professionals.  You'll receive support, accountability, and a community that understands what you're going through. We focus on stress reduction, increasing productivity, time management, goal achievement, health, happiness, and desired lifestyle:  https://www.financialadventure.com/community I'm inviting you to sign up for the free private podcast where I do a deeper dive into this topic on the Mastering Your Mindset Moments podcast for high-stress professionals: https://www.financialadventure.com/private Schedule your Complimentary Stress Audit and Clarity Session, where we'll work together to create a clear and focused plan for you to move forward so you'll immediately start enjoying your life with less stress, increased productivity, and more time to spend doing what you love with the people you care about: https://www.financialadventure.com/work-with-me Accountants, CPAs, Bookkeepers, Tax Preparers & Financial Professionals, sign up here to get updates on upcoming opportunities & grab the Audit Of Your Well-Being & Balance Guide here: https://www.financialadventure.com/accountant Ready to set up your business?  I have a program to help you get your business set up so that you can start making money.  Sign up for this program here: https://www.financialadventure.com/start Are you ready to try coaching?  Schedule an Introductory Coaching Session today.  You'll have the opportunity to see how you like coaching with an Introductory Coaching Session: https://www.financialadventure.com/intro Join us in the Mastering Your Small Business Finances PROFIT LAB if you are ready to take control of your business finances and create the profitable business you are striving for.  Are you ready to generate revenues and increase the profit in your business: https://www.financialadventure.com/profit If You Are Ready To Choose, Start Or Grow Your Side Hustle, Get Your Free Checklist And Assessment Here: https://www.financialadventure.com/sidehustle Grab Your FREE guide:  5 Essential Strategies For Stress-Free Bookkeeping: https://www.financialadventure.com/5essentials Your FREE Online Virtual Bookkeeping Business Starter Guide & Success Path Is Waiting For You: https://www.financialadventure.com/starterguide Join Our Facebook Community:  https://www.facebook.com/groups/womenbusinessownersultimatediybookkeepingboutique The Strategic Bookkeeping Academy, including Bookkeeping Basics, is open for registration!  You can learn more and sign up here: https://www.financialadventure.com/sba Looking for a payroll solution for your business?  You can get an exclusive 15% discount on your payroll services when you sign up here: https://www.financialadventure.com/adp QuickBooks Online - Save 30% Your First 6 Months: https://www.financialadventure.com/quickbooks Sign up for a virtual coffee chat to see if starting a Bookkeeping Business is right for you: https://www.financialadventure.com/discovery Show Notes:  https://www.financialadventure.com This podcast is sponsored by Financial Adventure, LLC ~ visit https://www.financialadventure.com for additional information and free resources.

AI Won't Replace Accountants. Instead, It Will Rewire the Business Model.FULL show notes hereBig 4 TransparencyWith Dominic Piscopo, CPAJody Padar, widely known as “The Radical CPA” and author of Radical Pricing, argues the future of accounting won't be won by automation alone, but by a business model shift that elevates human judgment, advisory, and client relationships.MORE Dominic Piscopo | AI | Pay & Compensation | MORE CPA Trendlines Streaming NetworkIn the new episode of the Big 4 Transparency Podcast, Padar joins host Dominic Piscopo to trace her path from early cloud-firm pioneer to venture-backed operator and to explain why her newest venture, Xcel Labs, is focused on training CPAs to think and lead differently in an AI-first world. Xcel Labs' Navi aims to build empathy and leadership at scale.

In today's show, I tackle two hot topics listeners have been asking about: tax planning in retirement and the role of life insurance in your golden years. Drawing from real questions and common scenarios. But that's not all: I also dig into the nuances of life insurance in retirement, explaining when it makes sense to keep or reconsider a policy, and how it can be a powerful tool for risk management, legacy planning, or supplementing income.    You will want to hear this episode if you are interested in... 06:03 Tax planning vs. preparation 11:17 Optimizing Roth conversions in retirement 16:05 Capital gains and tax strategies 18:37 Retirement income planning strategies 24:50 Survivor benefits explained  26:41 Life insurance for younger spouses 28:57 Whole life policy loan insights 32:41 Retirement life insurance benefits 39:35 Annuities, IRAs, and tax considerations Tax Planning in Retirement: Looking Beyond This Year Too often, tax strategies are left for CPAs or accounting firms during busy tax season, which is not the ideal time for personalized planning. Many people believe their taxes will drop in retirement and ignore future implications such as Required Minimum Distributions (RMDs), possible tax rate changes, or status changes like moving from joint to single filing after a spouse's death. I recommend a proactive, multi-year approach, planning not just for today but for years ahead. Mapping out your future retirement income and tax liabilities allows you to make strategic decisions that optimize withdrawals, conversions, and gifting options.   Key strategies include: Roth Conversions: Moving funds from pre-tax accounts (like IRAs or 401(k)s) to Roth IRAs can create future tax-free income. Timing is crucial; for example, the years before Social Security starts can be optimal for conversions without bumping up your taxable income. Roth Contributions: Don't forget about spousal Roth IRAs and annual contribution limits. In 2026, for couples over 50, you can contribute up to $17,200 combined to Roth IRAs (subject to income eligibility). Capital Gains Harvesting: Understanding the rules for primary residence sales and brokerage accounts means you can maximize capital gain exclusions and possibly pay 0% on gains when your income is lower. Charitable Giving: Proper planning can help you meet your philanthropic goals while minimizing taxable income. Gifting: Gifting appreciated assets helps save on future tax dollars, especially when gifting to individuals or charities.   Who Needs Life Insurance and Why? Life insurance typically protects against the financial risk of premature death in your working years, especially if you have dependents, debt, and income that others rely on. But its purpose shifts in retirement. Life insurance is not an investment; it's a tool to transfer risk. As you approach or enter retirement, your financial picture often changes, the mortgage may be paid off, children are independent, and asset balances may be at their peak. At this stage, you should revisit whether life insurance still fits your needs or whether your money could be better utilized elsewhere.   Life insurance can serve several purposes in retirement: For pension holders who opt for the "single life" payout, life insurance can provide financial security to surviving spouses or dependents if their pension stops at death. It also acts as bridge funding, where if an age gap exists between spouses, a policy can bridge the gap until Social Security survivor benefits begin (especially since these benefits only start at age 60 for most spouses). Some retirees use life insurance to ensure a tax-free inheritance for loved ones or to supplement other tax-free assets like homes (due to step-up in basis) and Roth IRAs. Hybrid life insurance policies can include riders for long-term care, providing benefits if care is needed and a tax-free payout at death. However, not all old policies continue to make sense. Whole life policies bought decades ago may have modest death benefits that no longer provide impactful coverage, and their cash values may be underperforming. It's worth reviewing these policies and considering whether surrender, exchange, or repurpose is wiser.  Resources & People Mentioned 3 Steps to Retirement Planning   Connect With Gregg Gonzalez Email at: Gregg.gonzalez@lpl.com Podcast: https://RetireStrongFA.com/Podcast Website: https://RetireStrongFA.com/ Follow Gregg on LinkedIn Follow Gregg on Facebook Follow Gregg on YouTube   Subscribe to Retirement Made Easy On Apple Podcasts, Spotify, Google Podcasts  

Why Centers of Influence Don't Respond to Cold Calls (And What Actually Works) Most financial advisors waste years chasing CPAs and attorneys with zero results. After 32 years coaching over 75,000 sessions with financial advisors, I'm sharing the real COI strategy that actually works. In this episode, Coach Joe reveal: ✅ The #1 mistake advisors make with COI strategies (and why 9/10 fail) ✅ Why CPAs and estate planning attorneys rarely deliver referrals ✅ Non-traditional COIs worth 10X more than CPAs (executive coaches, life transition specialists, business consultants) ✅ The 50-meeting rule: Why you need this many before measuring success ✅ My exact email template for warm introductions (never cold call) ✅ How to claim your niche so COIs actually remember and refer you ✅ The first meeting strategy: Listen, don't pitch Listen now and start building partnerships that actually convert.

Thinking about buying a brand new vehicle between 2025 and 2028? In this episode, Brent shares a tax deduction that could help you write off the interest on your car loan. He breaks down who qualifies, the income limits to watch, and the simple steps to make sure you do not miss this opportunity to reduce your taxable income __________________________________________________________________________________ Do you want access to the videos, drawings, templates, tools, and be able to get your questions answered on the live calls or in the community? We'd love to have you join the Wealth Game basics today to get some additional free resources, videos, and tools: Visit www.wealthgame.io For specific one on one, or group support for tax planning, strategy, tax preparation, bookkeeping, accounting, or other CPA firm related services, we recommend going to www.bementcompany.com to connected with our team of CPAs and professionals. Thank you for listening to another episode of the Wealth Game Podcast. The goal is to get informal yet actionable advice directly to business owners and investors. The episodes are intended to be short and simple to allow busy professionals to get right to the point of growing their wealth and reducing their taxes. For additional information and links to all available platforms please visit our website at www.wealthgame.io Contact Us: Websites: www.wealthgame.io www.bementcompany.com You can also stream The Wealth Game on: Spotify: https://open.spotify.com/show/5vKCgwK9K7zw1FrXoNAdoh?si=b95d0293bb4b41ad Apple Podcasts: https://podcasts.apple.com/us/podcast/wealth-game/id1638735155 Connect with Brent Bement: LinkedIn: www.linkedin.com/in/brentbement X: https://x.com/brentbement Instagram: https://www.instagram.com/brentbement/

Most multifamily operators still rely on ILS and paid search as their primary marketing engine.For years, that worked.Now it's quietly driving up cost per acquisition. In this episode of Riffing with Reid, RayAnn Corton, Account Strategist at Digible, breaks down why single-channel marketing is limiting exposure, inflating CPAs, and forcing operators to compete harder for the same renters. The conversation moves beyond surface-level media mix advice and into the real issue: over-reliance on bottom-funnel channels without building brand demand upstream.If you're investing heavily in ILS and PPC and watching your marketing costs rise, this conversation will challenge how you think about budget allocation, measurement, and long-term demand generation.Single-channel marketing feels safe.It's not always efficient.This episode explains why.Learn More About Digible:⁠ https://digible.com/?utm_source=dd_podcast&utm_medium=episode_description(00:00) Why Single-Channel Marketing Is Limiting Multifamily(04:41) The Problem with Relying on ILS & PPC(06:48) Why Operators Fear Diversification(12:30) How Upper-Funnel Lowers Cost Per Acquisition(14:06) Why Gen Z Research Apartments Differently(19:40) How Much Should You Spend on TikTok?(20:50) The Right Way to Measure Upper Funnel(24:44) What Success Actually Looks Like(33:11) When You've Hit Diminishing Returns(45:17) AI Search, SEO, and What Changes Next

I know a lot of you are working on your taxes now, and so this episode is going to be a whole load of possibly forgotten tax deductions that may apply to you. Now, I'm not giving you accounting advice. I'm not qualified to do so. But I want you to think about these things and then bring them up with your tax professional if they apply to you. And a lot of CPAs just do the standard stuff to get you off their back at 100 or 200 bucks an hour, and they're not very aggressive to figure out all the potential deductions you could get. So it's up to you to find the ones that apply to you, and tell your accountant about them and keep track of the expenses that you spent on. Launch Team - https://www.ScrewTheCommute.com/launchteam Please watch this short trailer to the end and leave a comment - https://www.facebook.com/AmericanEntrepreneurFilm/videos/558575401181955 Most Common Tax Deductions - https://www.score.org/resource/article/10-most-common-tax-deductions-small-businesses-might-miss Screw The Commute Podcast Show Notes Episode 1086 How To Automate Your Business - https://screwthecommute.com/automatefree/ Internet Marketing Training Center - https://imtcva.org/ Higher Education Webinar – https://screwthecommute.com/webinars See Tom's Stuff – https://linktr.ee/antionandassociates 00:23 Tom's introduction to Forgotten Tax Deductions 02:40 Business startup costs, bad debt, home office, health insurance 04:53 Charitable mileage, student loan interest, moving expenses 06:42 Stop smoking classes, alcohol and drug rehab classes, fertility clinics 07:51 There are far more than these, so use Google to search for others Entrepreneurial Resources Mentioned in This Podcast Higher Education Webinar - https://screwthecommute.com/webinars Screw The Commute - https://screwthecommute.com/ Screw The Commute Podcast App - https://screwthecommute.com/app/ Screw The Commute Podcast Producer - https://screwthecommute.com/larryguerrera/ College Ripoff Quiz - https://imtcva.org/quiz Know a young person for our Youth Episode Series? Send an email to Tom! - orders@antion.com Have a Roku box? Find Tom's Public Speaking Channel there! - https://channelstore.roku.com/details/267358/the-public-speaking-channel How To Automate Your Business - https://screwthecommute.com/automatefree/ Internet Marketing Retreat and Joint Venture Program - https://greatinternetmarketingtraining.com/ This is the shopping cart system Tom uses! Kartra - https://screwthecommute.com/kartra/ Copywriting901 - https://copywriting901.com/ Become a Great Podcast Guest - https://screwthecommute.com/greatpodcastguest Training - https://screwthecommute.com/training Disabilities Page - https://imtcva.org/disabilities/ Tom's Patreon Page - https://screwthecommute.com/patreon/ Tom on TikTok - https://tiktok.com/@digitalmultimillionaire/ Email Tom: Tom@ScrewTheCommute.com Internet Marketing Training Center - https://imtcva.org/ Related Episodes Five AI Hacks - https://screwthecommute.com/1085/ More Entrepreneurial Resources for Home Based Business, Lifestyle Business, Passive Income, Professional Speaking and Online Business I discovered a great new headline / subject line / subheading generator that will actually analyze which headlines and subject lines are best for your market. I negotiated a deal with the developer of this revolutionary and inexpensive software. Oh, and it's good on Mac and PC. Go here: http://jvz1.com/c/41743/183906 The Wordpress Ecourse. Learn how to Make World Class Websites for $20 or less. https://screwthecommute.com/wordpressecourse/

Hey podcast listener – quick update.I'm taking an intentional pause from producing new episodes for the main podcast, and I'm genuinely excited about what's coming next.Behind the scenes, I'm working on several big projects designed to help Peak Freedom members get better results, faster – with far less second-guessing, worry, and uncertainty.And here's what's exciting: the results members are getting right now are coming faster and cleaner than ever before. We're seeing high-leverage changes that fix firms for good – often in under eight months, and sometimes in just three to four months inside Accelerator. The relief is unmistakable.That's because the resources are solid, the community is tight and high-caliber, and the obstacles that used to slow people down are being removed.Instead of guessing, members know what to do.Instead of worrying, they test the plan.Instead of grinding, they're fixing their firms with confidence – and bringing them back under control.I'm doubling down on building the best content anywhere for accountants who want healthy, smooth, sustainable firms.While the main feed is on pause, be on the lookout for curated, topic-specific podcast feeds – pricing, packaging, niching, Simple Systems, Free Time, and a client-interview-only feed where you can hear your own story reflected back.This pause is intentional.Content is still coming – it's just getting sharper.And I'll be back with brand-new episodes and interviews very soon.What's coming next is worth the wait.…Link to full shownotes: https://www.businessstrategyforcpas.com/386…Want Pricing Essentials?If you feel trapped by your own accounting firm, it's not because of the work – it's how you've priced the work. Too many accountants are stuck in undercharging, overdelivering, and people-pleasing cycles. Break the pattern with my short PDF guide: 7 Pricing Essentials »It's free and you can read it in 5 minutes.I want to help you get your prices up without losing loyal clients.  …Want client interviews?310 From Exhausted to Having Her Life Back: Wendy Norman, CPA304 From 55 Down to 15 Hours; Same Take-Home Pay with Melissa Downs, EA293 What it Takes to Work 15 Hours per Week with Erica Goode, CPAComplete list:geraldinecarter.com/client-interview-episodes…FOUR ways I help overworked CPAs go down to 40 hours without losing revenue or hiring:THE EMAIL COURSE – Freegeraldinecarter.com/stop-working-weekendsStop Working Weekends will teach you how to reduce your hours without giving up revenue. THE BOOK – $9.99geraldinecarter.com/bookDown to 40 Hours – A Roadmap for CPAs to End Overworking Without Losing RevenuePEAK FREEDOM COMMUNITY – $197/mogeraldinecarter.com/peak-freedomFor solo and small accounting firm owners who want to rise above the insanity of hustle-cultureDOWN TO 40 HOURS ACCELERATOR – $995/mogeraldinecarter.com/40For the overworked CPA at multiple six figures of revenue who is ready to stop working weekends, wants to implement overdue changes, and doesn't want to do it alone. You'll make progress faster and with more confidence. …

Whether you set goals at the beginning of the year or you have resolutions you have promised yourself you'd do in the new year, now is the time to make sure you are on track so that you can follow through with your goals and resolutions for the remainder of the year.  I'm sure that you've heard that most people will quit their resolution after just one week.  When asked why they don't stick with their resolutions, most people will say that they don't have the time, resources, or support to keep the motivation up so that they can stick to their resolutions.  This can be true of goals as well.  When you want to ensure you are reaching your goals and sticking to your resolutions, you need to make sure you are following through.  This includes checking in to see how you are doing and being truthful to yourself if you feel you are slipping and need to realign yourself so that you can continue to move forward.  In today's podcast episode, I am going to help you take a realistic approach to making sure you are staying on track or picking yourself up and getting back on track early in the year.  I don't want you to go a few more months into this year and just give up on your resolutions and goals.  You made promises to yourself to reach these goals, and today, I am going to hold you accountable and give you a second chance if you've found it was much easier to make your resolution than to keep your resolution.  Resolutions and goals are important to your business, whether you are starting a business or side hustle, you're a self-employed individual, a solopreneur, entrepreneur, mompreneur, freelancer, small business owner, a remote, virtual, online, or in-house bookkeeper or accountant, a virtual assistant or VA, or other professional.  Many of the resolutions business owners make revolve around the organization of their financial data or bookkeeping.  Listen in, and let me help you make a lasting change with the resolutions and goals you've set for this year.  It doesn't matter if you are using a computerized software system like QuickBooks, Xero, Wave or FreshBooks for your business finances, or if you are doing your bookkeeping manually with an Excel spreadsheet or even a Google Document, this episode will be helpful for you… Join us in a community built specifically for accountants and high-stress professionals.  You'll receive support, accountability, and a community that understands what you're going through. We focus on stress reduction, increasing productivity, time management, goal achievement, health, happiness, and desired lifestyle:  https://www.financialadventure.com/community Schedule your Complimentary Stress Audit And Clarity Session, where we'll work together to create a clear and focused plan and overcome the obstacles that stand in your way so that you can move forward and immediately start enjoying your life with less stress, increased productivity, and more time to spend doing what you love with the people you care about: https://www.financialadventure.com/work-with-me Accountants, CPAs, Bookkeepers, Tax Preparers & Financial Professionals, sign up here to get updates on upcoming opportunities & grab the Audit Of Your Well-Being & Balance Guide here: https://www.financialadventure.com/accountant Ready to set up your business?  I have a program to help you get your business set up so that you can start making money.  Sign up for this program here: https://www.financialadventure.com/start Are you ready to try coaching?  Schedule an Introductory Coaching Session today.  You'll have the opportunity to see how you like coaching with an Introductory Coaching Session: https://www.financialadventure.com/intro Join us in the Mastering Your Small Business Finances PROFIT LAB if you are ready to take control of your business finances and create the profitable business you are striving for.  Are you ready to generate revenues and increase the profit in your business: https://www.financialadventure.com/profit If You Are Ready To Choose, Start Or Grow Your Side Hustle, Get Your Free Checklist And Assessment Here: https://www.financialadventure.com/sidehustle Grab Your FREE guide:  5 Essential Strategies For Stress-Free Bookkeeping: https://www.financialadventure.com/5essentials Your FREE Online Virtual Bookkeeping Business Starter Guide & Success Path Is Waiting For You: https://www.financialadventure.com/starterguide Join Our Facebook Community:  https://www.facebook.com/groups/womenbusinessownersultimatediybookkeepingboutique The Strategic Bookkeeping Academy, including Bookkeeping Basics, is open for registration!  You can learn more and sign up here: https://www.financialadventure.com/sba Looking for a payroll solution for your business?  You can get an exclusive 15% discount on your payroll services when you sign up here: https://www.financialadventure.com/adp QuickBooks Online - Save 30% Your First 6 Months: https://www.financialadventure.com/quickbooks Sign up for a virtual coffee chat to see if starting a Bookkeeping Business is right for you: https://www.financialadventure.com/discovery Show Notes:  https://www.financialadventure.com This podcast is sponsored by Financial Adventure, LLC ~ visit https://www.financialadventure.com for additional information and free resources.

What if 90% of what you're already spending could become a business deduction? In this episode of Life Changing Money, Barbara breaks down what it really means to “write off your life” and why it's one of the most powerful wealth-building tools available to business owners. If you're an entrepreneur, you are taxed on your profits, not your revenue. That means the goal isn't to make less money. The goal is to strategically lower your taxable income so you keep more of what you earn. Yet so many business owners wait until April to think about taxes… and by then, it's too late. Barbara debunks common myths around audits, loans, business valuations, and “not making enough to need strategy.” She explains why proactive tax planning (not reactive tax filing) is the real key to building wealth and creating freedom. Tune in to hear: Why business owners are only taxed on profits — and how to use that to your advantage The biggest myths keeping entrepreneurs from maximizing write-offs How to legally turn travel, board meetings, and even holiday trips into deductions Creative (and compliant) ways to write off meals, phones, home offices, and more Why most CPAs are reactive — and what that could be costing you The real audit statistics that might surprise you Why waiting until tax season guarantees you're overpaying How strategic write-offs can help fund major life goals like buying a home or adopting a child The mindset shifts that will help you stop fearing taxes and start planning proactively Sign up for the FREE Write Off Your Life Masterclass happening February 26th: https://taxedacademy.com/woyl-mc How To Get Involved: Life-Changing Money is a podcast all about money. We share stories of how money has impacted and radically changed the lives of others—and how it can do the same for you. Your host, Barbara Schreihans (pronounced ShREE-hands) is the founder and CEO of Your Tax Coach, and the creator of the Write Off Your Life Course. She is a top tax strategist, business coach, and expert in helping business owners and high-net-worth individuals save millions in taxes while increasing profits. When she's not leading her team, coaching clients, or dreaming up new goals for her company, you can find her drinking coffee, hanging out with her family, and traveling the world. Grab a cup of coffee and become inspired as we hear from those who have overcome and are overcoming their self-limiting beliefs and money mindsets! Do you have a burning question that you'd love to hear answered on a future show? Please email it to: podcast@yourtaxcoach.biz Sign Up For Our Newsletter Life Changing Money Podcast Get Tax Help!

How a CPA Built a 7-Figure Firm and Helped Clients Save $15M+ in Taxes | Michael Uadiale on Strategic Tax Planning Host Manny Torres interviews Michael Uadiale , a CPA and tax advisor with over 25 years of experience who founded a seven-figure firm and has helped clients collectively save over $15 million in taxes. Michael shares how moving to the U.S., earning a high-paying Silicon Valley job, and receiving a six-figure tax bill with no real planning from a hired CPA pushed him into tax advisory. He explains that tax outcomes can be shaped legally, ethically, and morally by using the tax code strategically, and describes challenges building his firm, including skeptical clients and CPAs resistant to planning. Michael emphasizes investing heavily in ongoing education due to constant law changes, hiring team members who value learning, and “changing your facts” through restructuring to fit the tax code. He cites mentor Tom Wheelwright, author of Tax-Free Wealth and Robert Kiyosaki's CPA, and urges advisors to act as client advocates by planning ahead rather than delivering surprise tax bills. Contact: taxes@smithcpa.com. 00:00 Welcome and Guest Intro 00:44 Name Pronunciation and Warmup 01:21 Origin Story Becoming a Tax Advisor 04:53 Early Client and Team Resistance 08:12 Investing in Mastery and Strategy 11:39 Mentors and Tax Free Wealth 13:02 Advisory Mindset Put Clients First 15:36 How to Connect and Final Takeaways

Reaching a seven-figure net worth isn't just about income—it's about decisions. In this Milestones to Millionaire episode, a CRNA walks through how he built wealth, why he ultimately fired his financial advisor, and the challenges that came with taking full ownership of his financial life. The conversation covers income and net worth context, the emotional and practical hurdles of managing money independently, and how spousal alignment played a role in long-term success. This episode isn't about shortcuts or market timing. It's about clarity, accountability, and the decisions that mattered most on the path to the first million—especially for high-income professionals navigating complex financial choices. If you're a high-income physician, you already know how hard you work for every dollar. The question is: how much are you actually keeping after taxes? Gelt is a tax firm focused on proactive tax strategy, guided by expert CPAs and optimized via in-house AI tools. They work with physicians and practice owners to use the tax code more intelligently so your structure, deductions, and planning help you keep more of what you earn. As a White Coat Investor reader, you can book a free strategy intro at https://joingelt.com and receive 10% off your first year with Gelt. It's time to start using your tax plan as a lever for growth. Celebrating your stories of success along the journey to financial freedom! Tune in every Monday to the Milestones to Millionaire Podcast, where we celebrate the financial achievements of our listeners and share practical tips for reaching your own milestones. We want to celebrate your milestones—no matter how big or small—and help inspire others to follow your lead. Every week, these episodes feature one listener who has recently achieved a milestone they are proud of and want to celebrate, and they give any advice they have for those who want to follow their example. Make sure to listen every Monday to be inspired by your fellow white coat investors. Celebrate YOUR Milestone on the Milestones to Millionaire Podcast: https://whitecoatinvestor.com/milestones  Website: https://www.whitecoatinvestor.com  YouTube: https://www.whitecoatinvestor.com/youtube  Student Loan Advice: https://studentloanadvice.com  TikTok: https://www.tiktok.com/@thewhitecoatinvestor  Facebook: https://www.facebook.com/thewhitecoatinvestor  Twitter: https://twitter.com/WCInvestor  Instagram: https://www.instagram.com/thewhitecoatinvestor  Subreddit: https://www.reddit.com/r/whitecoatinvestor  Online Courses: https://whitecoatinvestor.teachable.com  Newsletter: https://www.whitecoatinvestor.com/free-monthly-newsletter 

If you are like many people that I work with, you are probably feeling dread throughout your days as well.  It's not a bad thing, but what is important is that you are making sure you are dealing with this in the best way possible.  I think there's a misconception that most people don't have to deal with dread.  If you look on social media, you don't find too many people posting about what they are dreading for the day.  This may cause you to think that your life is filled with more dread than others, but let me assure you that there are many people out there who are feeling dread.  This is a normal feeling when you are working on something new, or you have something hard you need to do.  If I asked you right now, what is your most dreaded activity? What would you say?  It might be meeting potential customers or clients, putting yourself and your business out in the world, marketing, paperwork, or even a bookkeeping or accounting task.  Let's dive in… Join us in a community built specifically for accountants and high-stress professionals.  You'll receive support, accountability, and a community that understands what you're going through. We focus on stress reduction, increasing productivity, time management, goal achievement, health, happiness, and desired lifestyle:  https://www.financialadventure.com/community I'm inviting you to sign up for the free private podcast where I do a deeper dive into this topic on the Mastering Your Mindset Moments podcast for high-stress professionals: https://www.financialadventure.com/private Schedule your Complimentary Stress Audit and Clarity Session, where we'll work together to create a clear and focused plan for you to move forward so you'll immediately start enjoying your life with less stress, increased productivity, and more time to spend doing what you love with the people you care about: https://www.financialadventure.com/work-with-me Accountants, CPAs, Bookkeepers, Tax Preparers & Financial Professionals, sign up here to get updates on upcoming opportunities & grab the Audit Of Your Well-Being & Balance Guide here: https://www.financialadventure.com/accountant Ready to set up your business?  I have a program to help you get your business set up so that you can start making money.  Sign up for this program here: https://www.financialadventure.com/start Are you ready to try coaching?  Schedule an Introductory Coaching Session today.  You'll have the opportunity to see how you like coaching with an Introductory Coaching Session: https://www.financialadventure.com/intro Join us in the Mastering Your Small Business Finances PROFIT LAB if you are ready to take control of your business finances and create the profitable business you are striving for.  Are you ready to generate revenues and increase the profit in your business: https://www.financialadventure.com/profit If You Are Ready To Choose, Start Or Grow Your Side Hustle, Get Your Free Checklist And Assessment Here: https://www.financialadventure.com/sidehustle Grab Your FREE guide:  5 Essential Strategies For Stress-Free Bookkeeping: https://www.financialadventure.com/5essentials Your FREE Online Virtual Bookkeeping Business Starter Guide & Success Path Is Waiting For You: https://www.financialadventure.com/starterguide Join Our Facebook Community:  https://www.facebook.com/groups/womenbusinessownersultimatediybookkeepingboutique The Strategic Bookkeeping Academy, including Bookkeeping Basics, is open for registration!  You can learn more and sign up here: https://www.financialadventure.com/sba Looking for a payroll solution for your business?  You can get an exclusive 15% discount on your payroll services when you sign up here: https://www.financialadventure.com/adp QuickBooks Online - Save 30% Your First 6 Months: https://www.financialadventure.com/quickbooks Sign up for a virtual coffee chat to see if starting a Bookkeeping Business is right for you: https://www.financialadventure.com/discovery Show Notes:  https://www.financialadventure.com This podcast is sponsored by Financial Adventure, LLC ~ visit https://www.financialadventure.com for additional information and free resources.

If your firm says business development is everyone's job, but no one owns it, this episode is for you. In Episode 180 of Cultivating Business Growth, Megan Spicer is joined by Neil Barrow, founder of Enabled BD and host of I Hope This Email Finds You Well, to unpack what business development really looks like inside professional service firms. Neil explains why business development isn't a soft skill, how to build consistent habits around growth, and how to create a practical business development plan focused on strengthening relationships first. He also shares how to build a referral network using your existing clients, why culture and structure both matter, and what firms should clarify before hiring a business developer. In this episode, we cover: – What business development actually is (and why we overcomplicate it) – How to make business development feel authentic instead of salesy – The four core areas every business development plan should include – Using the 80/20 rule to focus on what drives results – Why your current clients are the foundation of referrals – One actionable step you can take this week to strengthen your business development efforts This episode is ideal for CPAs, consultants, attorneys, and service-based business owners who want a clearer, more human-centered approach to growth.

What are the differences in black and white comedians and the audiences they draw? I had an interesting experience opening for DL Hughly. He was a huge star and I was an open mic comic. It didn't go well for me. Here's the quick story and the lesson I learned.  https://www.TheWorkLady.com  Jan McInnis is a top change management keynote speaker, comedian, and funny motivational speaker who helps organizations use humor to handle change, build resilience, and strengthen leadership skills. With her laugh-out-loud stories and practical tips, Jan shows audiences how humor isn't just entertainment—it's a business skill that drives communication, connection, and stress relief.   A conference keynote speaker, Master of Ceremonies, and comedy writer, Jan has written material for The Tonight Show with Jay Leno as well as radio, TV, and syndicated cartoon strips. She's the author of two books—Finding the Funny Fast and Convention Comedian—and her insights on humor in business have been featured in The Wall Street Journal, The Washington Post, and The Huffington Post. For over 25 years, she has been helping leaders and teams discover how to bounce back from setbacks, embrace change, and connect through comedy.   Jan has delivered keynote speeches at thousands of events nationwide, from the Federal Reserve Banks to the Mayo Clinic, for industries that include healthcare, finance, government, education, women's leadership events, technology, and safety & disaster management. Her client list features respected organizations such as: Healthcare: Mayo Clinic, Kaiser Permanente, Abbott Pharmaceuticals, Health Information Management Associations, Assisted Living Associations Finance: Federal Reserve Banks, Merrill Lynch, Transamerica Insurance, BDO Accounting, American Institute of CPAs, credit unions, banking associations Government: U.S. Air Force, Social Security Administration, International Institute of Municipal Clerks, National League of Cities, public utilities, correctional associations Women's Leadership Events: Toyota Women's Conference, Go Red for Women, Speaking of Women's Health, Soroptimists, Women in Insurance & Financial Services Education: State superintendent associations, community college associations, Head Start associations, National Association of Elementary and Middle School Principals Safety & Disaster: International Association of Emergency Managers, Disney Emergency Management, Mid-Atlantic Safety Conference, risk management associations   Her background as a Washington, D.C. marketing executive gives her a unique perspective that blends business acumen with stand-up comedy. Jan was also honored with the Greater Washington Society of Association Executives "Excellence in Education" Award. Along with her podcast Finding the Funny: Leadership Tips from a Comedian, Jan also produces Comedian Stories: Tales From the Road in Under 5 Minutes. Whether she's headlining a major convention, hosting a leadership retreat, or teaching resilience at a safety conference, Jan's programs give audiences the tools to laugh, learn, and lead.  

What is really happening with the PFS? In this episode, Cary Sinnett talks with Matt Kidd, Chair of the AICPA PFS Credential Committee, about the modernization of the PFS Credential, including updating the PFS experienced exam, building the PFP Champions program, expanding avenues to earn the PFS Credential like the PFS Live workshop, growing the visibility of the PFS credential nationwide by highlighting CPA/PFS Financial Planners. They discuss why tax is becoming the gravitational center of financial planning, how CPA financial planners are uniquely positioned to deliver integrated advice, and what both seasoned CPAs and the next generation should understand about the power of adding the PFS. Top Takeaways •    The PFS exam and Body of Knowledge are being updated to reflect real-world, tax-integrated planning. •    CPA financial planners have a structural advantage in delivering holistic advice. •    Raising awareness starts with proudly displaying the CPA/PFS credential. PFS Resources: •    PFS Credential •    PFS Live Workshop •    PFS Handbook  •    PFS Business Experience •    PFS Infographic •    Earning your credential info •    Engage 2026  This episode is brought to you by the AICPA's Personal Financial Planning Section, the premier provider of information, tools, advocacy, and guidance for professionals who specialize in providing tax, estate, retirement, risk management and investment planning advice. Also, by the CPA/PFS credential program, which allows CPAs to demonstrate competence and confidence in providing these services to their clients. Visit us online to join our community, gain access to valuable member-only benefits or learn about our PFP certificate program. Subscribe to the PFP Podcast channel at Libsyn to find all the latest episodes or search "AICPA Personal Financial Planning" on your favorite podcast app.      

In this episode, we break down the new Trump Accounts, including who qualifies, how the $1,000 government seed money works, and the rules around family and corporate contributions.We also cover how these accounts are taxed and key strategies parents and grandparents should consider. __________________________________________________________________________________ Do you want access to the videos, drawings, templates, tools, and be able to get your questions answered on the live calls or in the community? We'd love to have you join the Wealth Game basics today to get some additional free resources, videos, and tools: Visit www.wealthgame.io For specific one on one, or group support for tax planning, strategy, tax preparation, bookkeeping, accounting, or other CPA firm related services, we recommend going to www.bementcompany.com to connected with our team of CPAs and professionals. Thank you for listening to another episode of the Wealth Game Podcast. The goal is to get informal yet actionable advice directly to business owners and investors. The episodes are intended to be short and simple to allow busy professionals to get right to the point of growing their wealth and reducing their taxes. For additional information and links to all available platforms please visit our website at www.wealthgame.io Contact Us: Websites: www.wealthgame.io www.bementcompany.com You can also stream The Wealth Game on: Spotify: https://open.spotify.com/show/5vKCgwK9K7zw1FrXoNAdoh?si=b95d0293bb4b41ad Apple Podcasts: https://podcasts.apple.com/us/podcast/wealth-game/id1638735155 Connect with Brent Bement: LinkedIn: www.linkedin.com/in/brentbement X: https://x.com/brentbement Instagram: https://www.instagram.com/brentbement/

Join The Creative Finance Playbook Coaching Program & Learn Directly from Jenn & Joe:⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://creativefinanceplaybook.com/Most W2 employees say they're “too busy” to invest in real estate.Carlos works full time, has a family, and still scaled to 10 properties — without banks, without massive capital, and without burning out.In this LIVE Creative Finance Playbook workshop, Jenn & Joe Delle Fave sit down with Carlos — a full-time W2 executive, husband, father, and real estate investor — who built a 10-property portfolio while working 60–80 hours per week.No quitting his job.No excuses.No waiting for the “perfect time.”Carlos breaks down exactly how he uses creative finance, lead generation, and simple daily systems to buy real estate without relying on traditional banks or massive capital. From seller financing to low-interest subject-to deals, he shares how consistency and process beat overwhelm every time.You'll learn:

Early this month, the AICPA launched its Profession Ready Initiative. In this episode of the JofA podcast, Carl Mayes, CPA, the AICPA's vice president–CPA Candidate Quality and Competency, explained more about the initiative and why a rapidly changing workplace demands new skills from emerging and early-career CPAs.  He discussed how automation, AI, and offshoring are reshaping entry-level work — and how Rise2040 research is informing the initiative.  Listeners will learn how to get involved, what's planned for ENGAGE, and how the effort benefits both early-career professionals and experienced CPAs. What you'll learn from this episode: Why the AICPA launched the Profession Ready Initiative. How Rise2040 research informed the approach to improving entry-level CPA skills. The ways automation, AI, and offshoring are reshaping the first years of CPA careers — and what new competencies employers say they need as a result. The initiative's multifaceted approach, including research, new learning solutions, academic collaboration, and state-level engagement. Ways that CPAs, educators, and firms can participate. How the effort will benefit both early-career professionals and experienced CPAs.

Financial management isn't flashy, but it can make or break your collision shop. Too many owners stay focused on daily operations while their bookkeeping and reporting fall behind, hurting cash flow, increasing stress, and lowering business value when it's time to sell.In this episode, Matt Di Francesco sits down with Bill Park, Founder of Crunchit Financial Services and a 30-year shop owner with four successful exits, to talk about what it really means to be “bankable.” Bill explains common financial mistakes, why most CPAs focus only on taxes, and how messy books can cost you 20–30% in a third-party sale.Matt and Bill also talk about:(09:20) Long-term strategy vs. short-term tax thinking(13:32) How a second set of eyes can transform a shop's financial clarity(16:02) The real reason most shops operate below full utilization(18:33) Building a financial structure that allows faster, more confident decisions(20:51) Why clean financials directly increase third-party sale value(21:21) What transparency and discipline signal to buyers(28:18) Fix your chart of accounts before trying to fix your profits(29:08) The ROI of a full financial cleanup Connect With Bill ParkLinkedIn: https://www.linkedin.com/in/billpark8/Email: billpark8@me.comWebsite: https://www.crunchitfs.com/Connect With Matt DiFrancesco:matt@highliftfin.com(814)201-5855LinkedIn: Matt DiFrancescoLinkedIn: High Lift FinancialFacebook: High Lift Financial Instagram: @high_lift_financialYouTube: @highliftfinancialAbout the guest:Bill Park has walked the same road many collision shop owners are on right now. He spent 30 years as a body shop owner and successfully exited four businesses, so he understands firsthand the pressure, long hours, and constant daily fires that come with running a shop.After living that grind and learning some hard financial lessons along the way, Bill founded Crunch It Financial Services. His mission is simple: help shop owners simplify their numbers, reduce unnecessary taxes, and build real wealth instead of just surviving year to year.Today, Bill works alongside shop owners to bring clarity, structure, and long-term strategy to their financial picture so they can operate with confidence and exit on their terms.Disclaimer:All information is obtained from sources deemed reliable, but not guaranteed. No tax or legal advice is given nor intended. Content provided herein or on our website should not be construed as an offer for investment advice or for securities, insurance, or other investment products. Investments involve the risk of loss and are not guaranteed. Consult a qualified legal, tax, accounting, or financial professional before implementing any investments or strategy discussed here.High Lift Financial is a DBA for DiFrancesco Financial Concierge, LLC.  Investment advisory services are provided through Cornerstone Planning Group, LLC, an independent advisory firm registered with the Securities and Exchange Commission.

In this episode, we walk through 28 real tax strategies that help business owners keep more of their money. You'll learn how to use startup costs, home office deductions, vehicle write-offs, hiring your kids, retirement plans, and more to lower your tax bill. We break down what counts as an ordinary and necessary expense and how to track your deductions the right way. You'll also hear why many CPAs focus only on filing, not planning, and how tax planning and smart strategies can change your money decisions for good. If you're tired of big tax bills and vague answers, this episode gives you clear, simple finance advice you can actually use right away.   Next Steps:

Feeling too overwhelmed to “work on the business” – but you still want things to get easier?Progress doesn't always come from pushing harder. In this episode, we talk about the invisible power of “marination” – how being in the right environment quietly changes what feels normal and doable. You'll hear 10 real ways that marinating inside Peak Freedom helps accountants move faster, including borrowing courage, shifting identity, raising standards, learning faster from other people's wins (and mistakes), getting feedback in hours instead of weeks, and staying even-keeled during tax season.…Link to full shownotes: https://www.businessstrategyforcpas.com/385…Want Pricing Essentials?If you feel trapped by your own accounting firm, it's not because of the work – it's how you've priced the work. Too many accountants are stuck in undercharging, overdelivering, and people-pleasing cycles. Break the pattern with my short PDF guide: 7 Pricing Essentials »It's free and you can read it in 5 minutes.I want to help you get your prices up without losing loyal clients.  …Want client interviews?310 From Exhausted to Having Her Life Back: Wendy Norman, CPA304 From 55 Down to 15 Hours; Same Take-Home Pay with Melissa Downs, EA293 What it Takes to Work 15 Hours per Week with Erica Goode, CPAComplete list:geraldinecarter.com/client-interview-episodes…FOUR ways I help overworked CPAs go down to 40 hours without losing revenue or hiring:THE EMAIL COURSE – Freegeraldinecarter.com/stop-working-weekendsStop Working Weekends will teach you how to reduce your hours without giving up revenue. THE BOOK – $9.99geraldinecarter.com/bookDown to 40 Hours – A Roadmap for CPAs to End Overworking Without Losing RevenuePEAK FREEDOM COMMUNITY – $197/mogeraldinecarter.com/peak-freedomFor solo and small accounting firm owners who want to rise above the insanity of hustle-cultureDOWN TO 40 HOURS ACCELERATOR – $995/mogeraldinecarter.com/40For the overworked CPA at multiple six figures of revenue who is ready to stop working weekends, wants to implement overdue changes, and doesn't want to do it alone. You'll make progress faster and with more confidence. …

In this episode of the Investor Fuel Podcast, Olivia interviews Jon Lontai, a financial advisor specializing in alternative investments. Jon discusses the importance of understanding 1031 exchanges and Delaware Statutory Trusts (DSTs) as valuable tools for investors looking to defer taxes and manage their real estate investments more effectively. He emphasizes the need for real estate agents to be aware of these options to better serve their clients. Jon also highlights the challenges faced by CPAs in keeping up with innovative investment strategies and the importance of networking within the financial sector to connect clients with the right solutions. The conversation wraps up with Jon's aspirations to educate more people about alternative investments and their benefits.   Professional Real Estate Investors - How we can help you: Investor Fuel Mastermind:  Learn more about the Investor Fuel Mastermind, including 100% deal financing, massive discounts from vendors and sponsors you're already using, our world class community of over 150 members, and SO much more here: http://www.investorfuel.com/apply   Investor Machine Marketing Partnership:  Are you looking for consistent, high quality lead generation? Investor Machine is America's #1 lead generation service professional investors. Investor Machine provides true 'white glove' support to help you build the perfect marketing plan, then we'll execute it for you…talking and working together on an ongoing basis to help you hit YOUR goals! Learn more here: http://www.investormachine.com   Coaching with Mike Hambright:  Interested in 1 on 1 coaching with Mike Hambright? Mike coaches entrepreneurs looking to level up, build coaching or service based businesses (Mike runs multiple 7 and 8 figure a year businesses), building a coaching program and more. Learn more here: https://investorfuel.com/coachingwithmike   Attend a Vacation/Mastermind Retreat with Mike Hambright: Interested in joining a "mini-mastermind" with Mike and his private clients on an upcoming "Retreat", either at locations like Cabo San Lucas, Napa, Park City ski trip, Yellowstone, or even at Mike's East Texas "Big H Ranch"? Learn more here: http://www.investorfuel.com/retreat   Property Insurance: Join the largest and most investor friendly property insurance provider in 2 minutes. Free to join, and insure all your flips and rentals within minutes! There is NO easier insurance provider on the planet (turn insurance on or off in 1 minute without talking to anyone!), and there's no 15-30% agent mark up through this platform!  Register here: https://myinvestorinsurance.com/   New Real Estate Investors - How we can work together: Investor Fuel Club (Coaching and Deal Partner Community): Looking to kickstart your real estate investing career? Join our one of a kind Coaching Community, Investor Fuel Club, where you'll get trained by some of the best real estate investors in America, and partner with them on deals! You don't need $ for deals…we'll partner with you and hold your hand along the way! Learn More here: http://www.investorfuel.com/club   —--------------------

When you own your own business, you are always learning something new.  Making sure that you have a team to support you where you are lacking skills or lacking the time to devote to certain tasks will not only help you sleep at night, but you will have the confidence knowing that your business is operating at an efficient level.  In today's podcast episode, I am diving into which areas in your business you need to make sure you are covering and the financial support team members you should have in place if you need additional help.  When it comes to finances, many business owners want to ignore these issues and hope they go away or want to do everything all on their own, but the most successful entrepreneurs know exactly where they need expert advice as well as who they can turn to for advice they can trust.  As your business grows, your team needs may change as well, but it is important to make sure that you have everything under control at each level you are at in your business.  Understanding and having a reliable team you can lean on is key whether you are starting a business or side hustle, you're a self-employed individual, a solopreneur, entrepreneur, mompreneur, freelancer, small business owner, a remote, virtual, online, or in-house bookkeeper or accountant, a virtual assistant or VA, or other professional; A financial support team is needed whether you are using a computerized software system like QuickBooks, Xero, Wave or FreshBooks for your business finances, or if you are doing your bookkeeping manually with an Excel spreadsheet or even a Google Document.   Listen in, and make sure you have support for each of these responsibilities either by yourself or a team member you can count on to be there when you need them… Join us in a community built specifically for accountants and high-stress professionals.  You'll receive support, accountability, and a community that understands what you're going through. We focus on stress reduction, increasing productivity, time management, goal achievement, health, happiness, and desired lifestyle:  https://www.financialadventure.com/community Schedule your Complimentary Stress Audit And Clarity Session, where we'll work together to create a clear and focused plan and overcome the obstacles that stand in your way so that you can move forward and immediately start enjoying your life with less stress, increased productivity, and more time to spend doing what you love with the people you care about: https://www.financialadventure.com/work-with-me Accountants, CPAs, Bookkeepers, Tax Preparers & Financial Professionals, sign up here to get updates on upcoming opportunities & grab the Audit Of Your Well-Being & Balance Guide here: https://www.financialadventure.com/accountant Ready to set up your business?  I have a program to help you get your business set up so that you can start making money.  Sign up for this program here: https://www.financialadventure.com/start Are you ready to try coaching?  Schedule an Introductory Coaching Session today.  You'll have the opportunity to see how you like coaching with an Introductory Coaching Session: https://www.financialadventure.com/intro Join us in the Mastering Your Small Business Finances PROFIT LAB if you are ready to take control of your business finances and create the profitable business you are striving for.  Are you ready to generate revenues and increase the profit in your business: https://www.financialadventure.com/profit If You Are Ready To Choose, Start Or Grow Your Side Hustle, Get Your Free Checklist And Assessment Here: https://www.financialadventure.com/sidehustle Grab Your FREE guide:  5 Essential Strategies For Stress-Free Bookkeeping: https://www.financialadventure.com/5essentials Your FREE Online Virtual Bookkeeping Business Starter Guide & Success Path Is Waiting For You: https://www.financialadventure.com/starterguide Join Our Facebook Community:  https://www.facebook.com/groups/womenbusinessownersultimatediybookkeepingboutique The Strategic Bookkeeping Academy, including Bookkeeping Basics, is open for registration!  You can learn more and sign up here: https://www.financialadventure.com/sba Looking for a payroll solution for your business?  You can get an exclusive 15% discount on your payroll services when you sign up here: https://www.financialadventure.com/adp QuickBooks Online - Save 30% Your First 6 Months: https://www.financialadventure.com/quickbooks Sign up for a virtual coffee chat to see if starting a Bookkeeping Business is right for you: https://www.financialadventure.com/discovery Show Notes:  https://www.financialadventure.com This podcast is sponsored by Financial Adventure, LLC ~ visit https://www.financialadventure.com for additional information and free resources.

What if the next big business threat isn't what you know—it's what you don't know, and acting fast could mean heading for disaster even quicker?Lou Diamond brings back Eric Eager, CEO of 4Impact Data and host of the Codified Wisdom podcast, to pull back the curtain on the rapidly evolving world of Decision Intelligence. From the frontline of AI-enabled advisory, Eric Eager reveals why simply using AI in your business could steer you onto the wrong path—faster than ever before.Key highlights from this conversation:Discover the crucial difference between Artificial Intelligence and Decision Intelligence, and why your company's future might depend on bridging that gap.Learn why 80% of businesses never measure the outcome of their decisions, and how this missing accountability can sink even the most promising organizations.Find out how 4Impact Data's new system, from codifying senior advisor “wisdom” to creating audit trails for every important decision, is transforming CPAs from rearview-mirror historians into forward-looking navigators.Get an exclusive look at how these technologies are democratizing critical business guidance for small and medium-sized businesses—not just Fortune 500s.Hear about the upcoming "Great Promotion Era" in accounting, where AI agents are replacing basic tasks, and what this means for the next generation of business advisors.Learn how the Codified Wisdom approach can dramatically fast-track the experience curve for young professionals and help firms scale the right kind of decision-making.Whether you're a business owner, a CPA, or just fascinated by the future of business, this episode arms you with a new perspective—and possibly a lifeline—on thriving in the age of AI.Episode Timestamped Overview:00:00 – Intro Announcer sets the stage; Lou Diamond welcomes Eric Eager back for an AI update01:30 – The new frontier: from GPS guidance systems to Decision Intelligence03:38 – Breaking down AI vs Decision Intelligence—accountability, prioritization, and audit trails07:00 – The transformation of the CPA, and why human advisors are more important than ever11:11 – Comparing 4Impact Data's approach to industry giants like Palantir, and why “measuring outcomes” changes everything14:01 – How decision intelligence empowers small businesses and upskills the next generation20:15 – What the “Great Promotion Era” means for the profession24:46 – Final thoughts, plug for 4impactdata.com, and where you can learn more27:21 – Outro Voiceover: How to subscribe and connect with Thrive LoudReady to move from constant firefighting to genuine fire prevention? Press play now and step into the future of business guidance.

Most families don't have a money problem.They have a leadership problem.In this powerful episode of Mindset Mastery Moments, Dr. Alisa Whyte sits down with Wealth Manager LaVaisha Davis to break down why wealth starts—and often stops—with the same generation.If you're a first-generation wealth builder, entrepreneur, or high-income professional, this conversation will shift how you think about financial leadership.LaVaisha introduces the concept of the Virtual Family Office (VFO) — a strategic wealth framework used by ultra-high-net-worth families to centralize advisors, eliminate financial leaks, reduce taxes, protect assets, and build true multi-generational systems.This isn't about buying financial products.It's about becoming the Family CEO of your financial legacy.Inside this episode:• Why traditional financial planning fails first-generation wealth creators• The leadership gap sabotaging generational wealth• How scattered CPAs, attorneys, and advisors create costly misalignment• Why family dynamics—not markets—are often the greatest wealth risk• The strategic structure wealthy families use to preserve and multiply assets• How one family member can break generational financial cyclesIf you've been earning more but still feel financially fragmented, this episode will challenge and equip you to think, plan, and grow like the 1%.Connect with LaVaisha Davis

Don't get to the end of this year wishing you had taken action to change your business and your life.Click here to schedule a free discovery call for your business: https://geni.us/IFORABEDon't miss an upcoming event with The Institute: https://geni.us/InstituteEvents2026Shop-Ware gives you the tools to provide your shop with everything needed to become optimally profitable.Click here to schedule a free demo: https://info.shop-ware.com/profitabilityTransform your shop's marketing with the best in the automotive industry, Shop Marketing Pros!Get a free audit of your shop's current marketing by clicking here: https://geni.us/ShopMarketingProsShop owners, are you ready to simplify your business operations? Meet 360 Payments, your one-stop solution for effortless payment processing.Imagine this—no more juggling receipts, staplers, or endless paperwork. With 360 Payments, you get everything integrated into a single, sleek digital platform.Simplify payments. Streamline operations. Check out 360payments.com today!In this episode, Lucas and David are joined by Eric Joern for a deep dive into the realities of small business financial management in the auto repair industry. Eric stresses the importance of starting with a plan and leveraging professional guidance, rather than relying on risky trial-and-error approaches. The discussion highlights why using proper shop management systems and separating business finances is critical for long-term success.00:00 "Valuable Business Advice and Insights"10:15 Sales Tax Responsibilities Explained15:34 Simple Budgeting for Profit17:02 "Essential Shop Management Systems"21:40 Shop Parts Tracking Essentials29:56 "Seeking Proactive Tax Guidance"35:04 "Importance of a Knowledgeable Accountant"38:10 "Proactive Tax Planning Conversations"43:34 "Inventory's Tax Impact Explained"49:10 "Smart Tax Strategies Explained"55:24 Focus on Strengths, Delegate Tasks01:02:42 Excited for Business Improvement

Making partner should feel like a triumph, but for many CPAs, that first year becomes the hardest of their careers. Sarah Elliott and Brian Kush from Intend2Lead surveyed new partners across the profession and uncovered a troubling pattern: 70% aren't working more hours, yet the intensity feels crushing. On Episode 251 of The Unique CPA, they tell Randy that the culprit isn't volume, it's the abrupt shift from technical expert to strategic leader, not to mention firms that rarely prepare people for what partnership actually entails. As it turns out, nearly half of new partners earn less than expected, and the profession's problem-seeking mindset undermines leadership development. Randy even mentions how one first-year partner who exceeded revenue goals by 50% was immediately questioned about unbilled hours instead of celebrated for his achievement. Sarah and Brian make the case for vulnerable leadership, transparent goal-setting, and intentional development programs that treat partnership as a transition requiring real support, not just a title to celebrate and move on from. Get the full show notes and more resources at TheUniqueCPA.com  

Overwhelm is something that we've all dealt with in our lives.  You may have felt, or still feel, overwhelmed in your career, your business, and even in your personal life.  It could be continuing to get the education you need for your career, all the tasks you have to get done in your business, or how about all the things you continue to think about that need to get done around your home.  When you are asked how you are doing, how often do you find yourself replying something like I've been busy, or there's just so much to do?  Well, if you find you are struggling with overwhelm, even if it is just a tiny bit, I've got a solution for you.  Let's dive in… Join us in a community built specifically for accountants and high-stress professionals.  You'll receive support, accountability, and a community that understands what you're going through. We focus on stress reduction, increasing productivity, time management, goal achievement, health, happiness, and desired lifestyle:  https://www.financialadventure.com/community I'm inviting you to sign up for the free private podcast where I do a deeper dive into this topic on the Mastering Your Mindset Moments podcast for high-stress professionals: https://www.financialadventure.com/private Schedule your Complimentary Stress Audit and Clarity Session, where we'll work together to create a clear and focused plan for you to move forward so you'll immediately start enjoying your life with less stress, increased productivity, and more time to spend doing what you love with the people you care about: https://www.financialadventure.com/work-with-me Accountants, CPAs, Bookkeepers, Tax Preparers & Financial Professionals, sign up here to get updates on upcoming opportunities & grab the Audit Of Your Well-Being & Balance Guide here: https://www.financialadventure.com/accountant Ready to set up your business?  I have a program to help you get your business set up so that you can start making money.  Sign up for this program here: https://www.financialadventure.com/start Are you ready to try coaching?  Schedule an Introductory Coaching Session today.  You'll have the opportunity to see how you like coaching with an Introductory Coaching Session: https://www.financialadventure.com/intro Join us in the Mastering Your Small Business Finances PROFIT LAB if you are ready to take control of your business finances and create the profitable business you are striving for.  Are you ready to generate revenues and increase the profit in your business: https://www.financialadventure.com/profit If You Are Ready To Choose, Start Or Grow Your Side Hustle, Get Your Free Checklist And Assessment Here: https://www.financialadventure.com/sidehustle Grab Your FREE guide:  5 Essential Strategies For Stress-Free Bookkeeping: https://www.financialadventure.com/5essentials Your FREE Online Virtual Bookkeeping Business Starter Guide & Success Path Is Waiting For You: https://www.financialadventure.com/starterguide Join Our Facebook Community:  https://www.facebook.com/groups/womenbusinessownersultimatediybookkeepingboutique The Strategic Bookkeeping Academy, including Bookkeeping Basics, is open for registration!  You can learn more and sign up here: https://www.financialadventure.com/sba Looking for a payroll solution for your business?  You can get an exclusive 15% discount on your payroll services when you sign up here: https://www.financialadventure.com/adp QuickBooks Online - Save 30% Your First 6 Months: https://www.financialadventure.com/quickbooks Sign up for a virtual coffee chat to see if starting a Bookkeeping Business is right for you: https://www.financialadventure.com/discovery Show Notes:  https://www.financialadventure.com This podcast is sponsored by Financial Adventure, LLC ~ visit https://www.financialadventure.com for additional information and free resources.

Choosing the right CPA is one of the most important decisions a business owner will ever make, yet it's also one of the most misunderstood. Many entrepreneurs assume their CPA is proactively looking for opportunities to reduce taxes and improve efficiency throughout the year, only to realize too late that most planning happens in hindsight. Today, I'm joined once again by Bayntree's Director of Corporate Development, Brian Hartstein, for a deeper conversation about how business owners can evaluate whether their CPA is truly the right fit. We break down the different types of CPA firms, the services they provide, and the gaps that often exist between expectations and reality. We also discussed how entity structure, compensation planning, retirement strategies, and long-term business goals all intersect and why silos between professionals often lead to missed opportunities. Whether you're questioning if your current CPA is serving you at the right level, considering a change, or simply want to understand how the best advisory teams work together, this conversation will help you ask better questions, avoid costly blind spots, and build a smarter, more coordinated planning team around your business.  In this podcast interview, you'll learn: The key differences between tax preparers, business CPAs, and proactive advisory firms. Why most CPAs focus on reporting, not a forward-looking strategy. How to evaluate whether your CPA truly understands your business complexity. What questions should business owners ask when hiring or reviewing a CPA? Why communication between your CPA and financial advisor is critical. How proactive planning can reduce tax risk and improve long-term outcomes.

Patrick McKenzie (patio11) reads an essay about "industrial-scale" fraud and why it should be treated as a professional business process rather than a series of isolated accidents. He explains how fraudsters leverage specialized supply chains—shared CPAs, incorporation agents, and "least attentive" banks—to loot public funds. Patrick argues that the government's "pay-and-chase" model is fundamentally broken and suggests that simple "proof of work" functions, like a 30-second cell phone video of a workspace, could provide the visceral signal that paperwork lacks, and examines the state's lack of "object permanence" regarding serial fraudsters and how scaled data provides the defense-side advantage needed to catch modern frauds.–Full transcript available here: www.complexsystemspodcast.com/fraud-as-infrastructure/–Presenting Sponsor: Mercury Complex Systems is presented by Mercury—radically better banking for founders. Mercury offers the best wire experience anywhere: fast, reliable, and free for domestic U.S. wires, so you can stay focused on growing your business. Apply online in minutes at mercury.com.Mercury is a fintech company, not an FDIC-insured bank. Banking services provided through Choice Financial Group and Column N.A., Members FDIC.–Links:Bits about Money: https://www.bitsaboutmoney.com/archive/fraud-investigation/ Dan Davies on Complex Systems: https://open.spotify.com/episode/5QKxzgumJXSQuaWCmYAoM9 Jetson Leder-Luis on Complex Systems podcast: https://open.spotify.com/episode/3NiC7x9edoxJXkNW9vRfAT Stripe's Emily Sands on Complex Systems: https://open.spotify.com/episode/64Dyh6Gbg1lg4qUFwId0hc –Timestamps:(00:00) Intro(05:23) In which we briefly return to Minnesota(09:26) Common signals, methods, and epiphenomena of fraud(09:30) Fraudsters are playing an iterated game(11:29) The fraud supply chain is detectable(14:27) Investigators should expect to find ethnically clustered fraud(20:11) Sponsor: Mercury(21:47) High growth rate opportunities attract frauds(26:04) Fraudsters find the weakest links in the financial system(32:35) Frauds openly suborn identities(35:57) Asymmetry in attacker and defender burdens of proof(40:13) Fraudsters under-paperwork their epiphenomena(44:22) Machine learning can adaptively identify fraud(48:14) Frauds have a lifecycle(50:34) Should we care about fraud investigation, anyway

email chris@drchrisloomdphd.com with "Podcast freebie" to book a coveted FREE guest spot on the show. To book a PREMIUM spot on the Podcast: ⁠⁠⁠⁠⁠⁠https://www.drchrisloomdphd.com/_paylink/AZpgR_7f⁠⁠⁠⁠⁠⁠Book a 1-on-1 coaching call: ⁠⁠⁠⁠⁠⁠https://www.drchrisloomdphd.com/booking-calendar/introductory-session⁠⁠⁠⁠⁠⁠ Become a member of our Podcast community: ⁠⁠⁠⁠⁠⁠https://www.drchrisloomdphd.com/membership⁠⁠⁠⁠⁠⁠Subscribe to our email list: ⁠⁠⁠⁠⁠⁠⁠https://financial-freedom-podcast-with-dr-loo.kit.com/⁠⁠⁠⁠⁠⁠⁠Click here to join PodMatch (the "AirBNB" of Podcasting): ⁠⁠⁠⁠⁠⁠https://www.joinpodmatch.com/drchrisloomdphd⁠⁠⁠⁠⁠⁠Click here to purchase my books on Amazon: ⁠⁠⁠⁠⁠⁠https://amzn.to/2PaQn4p⁠⁠⁠⁠⁠⁠Click here to purchase my audiobooks, visit: ⁠⁠⁠⁠⁠⁠https://www.audible.com/author/Christopher-H-Loo-MD-PhD/B07WFKBG1F⁠⁠⁠⁠⁠⁠To help support the show:CashApp- ⁠⁠⁠⁠⁠⁠https://cash.app/$drchrisloomdphd⁠⁠⁠⁠⁠⁠Venmo- ⁠⁠⁠⁠⁠⁠https://account.venmo.com/u/Chris-Loo-4⁠⁠⁠⁠⁠⁠Buy Me a Coffee- ⁠⁠⁠⁠⁠⁠https://www.buymeacoffee.com/chrisJx⁠⁠⁠⁠⁠⁠

Still running your firm out of your Inbox?In this episode, a CPA who spent 20 years living in her Inbox shares how she got down to Inbox Zero, shredded the paper piles, stopped the late-night deadline sprints, and finally knew what to work on next.You'll hear exactly how Simple Systems, Free Time works in real life, why it feels slightly terrifying at first, and how it quietly frees up hours without perfection, new tech, or heroics.Lori's email:lori.yearwood@zealaccounting.com…Link to full shownotes: https://www.businessstrategyforcpas.com/384…Want Pricing Essentials?If you feel trapped by your own accounting firm, it's not because of the work – it's how you've priced the work. Too many accountants are stuck in undercharging, overdelivering, and people-pleasing cycles. Break the pattern with my short PDF guide: 7 Pricing Essentials »It's free and you can read it in 5 minutes.I want to help you get your prices up without losing loyal clients.  …Want client interviews?310 From Exhausted to Having Her Life Back: Wendy Norman, CPA304 From 55 Down to 15 Hours; Same Take-Home Pay with Melissa Downs, EA293 What it Takes to Work 15 Hours per Week with Erica Goode, CPAComplete list:geraldinecarter.com/client-interview-episodes…FOUR ways I help overworked CPAs go down to 40 hours without losing revenue or hiring:THE EMAIL COURSE – Freegeraldinecarter.com/stop-working-weekendsStop Working Weekends will teach you how to reduce your hours without giving up revenue. THE BOOK – $9.99geraldinecarter.com/bookDown to 40 Hours – A Roadmap for CPAs to End Overworking Without Losing RevenuePEAK FREEDOM COMMUNITY – $197/mogeraldinecarter.com/peak-freedomFor solo and small accounting firm owners who want to rise above the insanity of hustle-cultureDOWN TO 40 HOURS ACCELERATOR – $995/mogeraldinecarter.com/40For the overworked CPA at multiple six figures of revenue who is ready to stop working weekends, wants to implement overdue changes, and doesn't want to do it alone. You'll make progress faster and with more confidence. …

In this episode, we talk with a two doc family who renovated their home entirely in cash, including a full indoor basketball court so their kids can play inside during freezing Minnesota winters. They waited a few years after building the house before finishing the basement, choosing patience and planning over debt. Along the way, they also reached millionaire status by staying intentional with their money. His advice for anyone wanting to follow a similar path is to save up and pay in cash and not take on unnecessary debt. If you're a high-income physician, you already know how hard you work for every dollar. The question is: how much are you actually keeping after taxes? Gelt is a tax firm focused on proactive tax strategy, guided by expert CPAs and optimized via in-house AI tools. They work with physicians and practice owners to use the tax code more intelligently so your structure, deductions, and planning help you keep more of what you earn. As a White Coat Investor reader, you can book a free strategy intro at https://joingelt.com and receive 10% off your first year with Gelt. It's time to start using your tax plan as a lever for growth. Celebrating your stories of success along the journey to financial freedom! Tune in every Monday to the Milestones to Millionaire Podcast, where we celebrate the financial achievements of our listeners and share practical tips for reaching your own milestones. We want to celebrate your milestones—no matter how big or small—and help inspire others to follow your lead. Every week, these episodes feature one listener who has recently achieved a milestone they are proud of and want to celebrate, and they give any advice they have for those who want to follow their example. Make sure to listen every Monday to be inspired by your fellow white coat investors. Celebrate YOUR Milestone on the Milestones to Millionaire Podcast: https://whitecoatinvestor.com/milestones  Website: https://www.whitecoatinvestor.com  YouTube: https://www.whitecoatinvestor.com/youtube  Student Loan Advice: https://studentloanadvice.com  TikTok: https://www.tiktok.com/@thewhitecoatinvestor  Facebook: https://www.facebook.com/thewhitecoatinvestor  Twitter: https://twitter.com/WCInvestor  Instagram: https://www.instagram.com/thewhitecoatinvestor  Subreddit: https://www.reddit.com/r/whitecoatinvestor  Online Courses: https://whitecoatinvestor.teachable.com  Newsletter: https://www.whitecoatinvestor.com/free-monthly-newsletter  00:00 MtoM Podcast #261 01:45 Two Doc Couple Pays Cash for Home Renovation 12:36 Advice For Others 14:40 What is a Stock?