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

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

Fearless Restaurant Group's "Dining Out for the Dogs" Jamie Blackburn, who is the Director of Public Relations for Fearless Restaurants discussed the upcoming 8th annual "Dining Out for the Dogs" event at White Dog Cafe on August 4th. The event benefits Alpha Bravo Canine, a nonprofit organization which provides service dogs to veterans. The event will be held at suburban locations and will feature special menu items, including a popular hot dog flight, puppy kissing booths, and Tito's cocktail offerings. Blackburn emphasized the importance of reservations, especially for the VIP dog-friendly tables, and highlighted the opportunity for community members to volunteer as puppy raisers for the service dog program.Farina Pasta Bar Our host next sat down with husband and wife team Dan and Taylor Lee who own Farina Pasta Bar, located in Philadelphia.  Dan shared his journey in the culinary industry to starting his business, eventually meeting his wife and business partner. The couple now runs both a food truck and a brick-and-mortar restaurant, balancing their busy schedules while inspiring others with their delicious dishes.Dan and Amaris discussed the concept of a pasta restaurant, where customers can build their own pasta dishes by choosing sauces and shapes. Dan explained that they make fresh pasta in-store, offering four main shapes, and plan to expand to include flavored pastas in the future. They discussed the differences between American and Italian dining portions, with Dan noting that their restaurant aims for a casual, lunch-focused concept with reasonable portion sizes. Dan also discussed Farina's customizable menu options for private events, including pasta, sauces, and gelato, as well as their unique pasta salads. He explained that their Rittenhouse location at 132 South 17th Street offers both in-store dining and takeout, and they can be found online at farinaphl.com and on Instagram @farina.phl. Revolution BeesLastly, Steve Occiolini and Walter Talunas discussed their journey into creating Revolution Bees. Steve and Walt are both beekeepers, with Steve starting his process of beekeeping to enhance his garden's productivity, while Walt was drawn to the hobby after reading a blog about beekeeping. They both emphasized the importance of bees in pollinating crops, with Walt noting that honeybees are responsible for 30-60% of all crops. They have been successful beekeepers for over 20 years, with Walt now maintaining over 40 hives.Mead Production and Flavor ExperimentationAmaris and Walt discussed the process of creating mead, a honey-based alcoholic beverage along with a number of other products that their company creates.  After chatting about the process of what the honey goes through for the various products, Steve and Walt shared the history and process on mead-making, ending with where you can purchase their products and find them in person, including farmers markets, Renaissance fairs, and wine festivals. For more information and where to find them, please visit revolutionbees.com. 

It's our Wine Show with Winemaker James Davids, Tasting Room manager Drew Eichinger and proprietor Marissa Stashenko of Sakonnet Vineyards in Rhode Island - New England's oldest vineyard and winery. But it's much more. Also in this episode - Providence Restaurant Weeks with Christine Phillips of GO Providence and Nicole Canning of the Stoneacre Experience and the new Cafe at the Carriage House at the Elms, one of the Newport (RI) Mansions. This is a sample show for broadcast affiliate review. Thanks for your consideration to add Dining Out with Bruce Newbury - The Food Dude to your lineup. Thanks for listening!

Welcome back to WATG… the podcast that's as sharp as a Long Island parking lot curb and twice as unforgiving. In Episode 324, JK and Jesse dive headfirst into the kind of chaos only New York sarcasm can truly appreciate.Ever wonder why Kurt hoards Red Bulls like he's prepping for a post-apocalyptic brunch? We break down the absurdity of the 3-for-$8 gas station hustle and explore capitalism's caffeine-laced chokehold on our wallets. From school lunch waste and “Big Milk” conspiracy theories to Counting Crows nostalgia, Red Bull economics, and whether the meaning of life is just finding the right taco-to-buzz ratio… this one's got it all.Also: JK makes friends with ChatGPT. Jesse questions Bruce Springsteen's existence. And we all discover that Dirty Taco is basically church now.Timestamps[00:00] School Lunches: Waste and Regulations  [01:15] Concert Experiences and Empty Seats  [08:21] Dirty Taco and Dining Out  [29:52] Joy in Simple Moments  [39:04] The Evolution of Music Genres  [42:35] Bruce Springsteen's Live Performance  [47:32] The Legacy of Willie Nelson and Brian Wilson  [54:08] The Impact of Social Media on Music  [01:05:11] The Future of AI and Human Interaction  [01:12:02] Concluding Thoughts on Technology and Society 

The journalist talks to Mark and Kate about his book, DINING OUT, which is the first book dedicated to the history of gay restaurants and how they've shaped our culture; why he was reluctant to include his own personal stories—and what convinced him to do so; how the culture has changed over the years, and why; and Mark's gay restaurant tour of 1970s New York City.Read an excerpt from DINING OUT on the Bittman Project: https://bittmanproject.com/dining-out/Subscribe to Food with Mark Bittman on Apple Podcasts, Spotify, or wherever you like to listen, and please help us grow by leaving us a 5 star review on Apple Podcasts.Follow Mark on Twitter at @bittman, and on Facebook and Instagram at @markbittman. Want more food content? Subscribe to The Bittman Project at www.bittmanproject.com. Hosted on Acast. See acast.com/privacy for more information.

This week's show began with Kelsey Timmerman and his new book which focuses on regenerative agriculture, where they discussed his journey from anthropology to author, and the different farming practices around the world. The show continued with Melanie Ganzman from Fluffy Farms, who shared her success with a USDA grant for their silvopasture system and sustainable farming operations in New Jersey. The show ended with Lee Leung, the Regional General Manager of the Fearless Restaurant Group. Lee discussed all the latest trends for hosting a private party or event, the new European-based menu at Autograph Brasserie, and the full capacity of what Triple Crown (their newest restaurant and event space) can offer!Related Links:https://kelseytimmerman.comhttps://www.patagonia.com/home/https://fluffyfarms.grazecart.comhttps://www.triplecrownradnor.comhttps://www.autographbrasserie.com

Send us a textMastering Financial Independence: Cutting Expenses for Early RetirementIn this episode of The Retire Early Retire Now podcast, host Hunter Kelly, a certified financial planner, offers high-income earners practical strategies to achieve financial freedom and retire early. He emphasizes the significance of prudent money management instead of just high earnings. Hunter identifies and advises on optimizing five key expenses: lifestyle creep, housing costs, dining out, unused subscriptions, and high-interest debt. The episode includes actionable tips like setting spending boundaries, conducting quarterly subscription audits, and implementing debt repayment strategies. Listeners are challenged to cut one expense category this week to improve their financial health.00:00 Welcome to The Retire Early Retire Now Podcast00:41 The Trap of Lifestyle Creep01:04 Five Key Expenses to Cut or Optimize02:23 Expense 1: Lifestyle Creep06:42 Expense 2: High Housing Costs11:41 Expense 3: Dining Out and Convenience Spending13:20 Expense 4: Unused Subscriptions and Memberships14:52 Expense 5: High Interest Debt17:36 Final Thoughts and Listener Challenge18:25 Closing Remarks and DisclaimersCheck out the Palm Valley Wealth Management WebsitePalmValleywm.comCheck us out on InstagramLinkedIn FacebookListen to the Podcast Here! AppleSpotify

Prepare for a culinary event! Emmitt's Vegas, a two-time Diners' Choice Award winner on the iconic Las Vegas Strip, is elevating Restaurant Week with an unmissable, chef-curated, three-course dinner menu from Executive Chef Antwan Ellis. This limited-time experience, available June 2nd through June 13th for $80 per guest, is a testament to Chef Ellis's creativity, blending bold, seasonal flavors with the elevated comfort that defines Emmitt's as a premier Las Vegas dining destination. A Glimpse into Chef Ellis's Masterpiece: The Journey Begins (First Course – Choice of): * Burrata & heirloom tomato: A fresh, vibrant start. * Emmitt Roll: A signature creation, bursting with premium seafood. * Jumbo Shrimp Cocktail: A timeless, refreshing classic. * Creole Shrimp: A savory, spice-infused delight. The Main Event (Second Course – Choice of): * Center Cut Ribeye: Perfection on a plate with rich bordelaise. * Miso Glazed Sea Bass: A delicate, flavorful sensation. * Pan Seared Salmon: Elevated with a luxurious crab butter sauce. * Bone-In Pork Chop: A symphony of flavors with romesco and cherry jus. The Sweet Finale (Dessert – Choice of): * The legendary Emmitt's Butter Cake. * Rich Chocolate Cake. * Our delightful Seasonal Cake. Join them for this exclusive opportunity to savor the artistry of Chef Antwan Ellis. This isn't just a meal; it's a culinary event designed to captivate. Web: https://emmittsvegas.com/ Get to Know Ash: Imagine someone who just radiates good vibes and genuinely wants to see you shine – that's Ash Brown! This incredibly talented American wears many hats: she's a fantastic producer, a super engaging blogger, a captivating speaker, a natural media personality, and a fantastic host for events. Her energy is totally infectious, and you can tell she's truly passionate about helping everyone reach their full potential. What's Ash Up To? AshSaidit.com: Think of this as your VIP pass into Ash's world! Her blog is buzzing with exclusive invites to events, honest reviews of cool products, and all sorts of fun and informative stuff. It's the perfect place to stay in the loop and get a dose of Ash's personality. The Ash Said It Show: Get ready to feel inspired! Ash's podcast is a powerhouse of motivation, with over 2,000 episodes already out there and a whopping half a million listens worldwide! She has amazing conversations with inspiring people and dives into topics that really matter. Why We Love Ash: Ash isn't just talking the talk; she's walking the walk! What makes her truly special is how real she is. She connects with her audience on a genuine level, offering advice and encouragement that feels like a chat with a good friend. She doesn't shy away from the tough stuff but instead gives you the tools to tackle it head-on. Here's what makes Ash stand out: Sunshine Personified: Ash is a total optimist! Her positive energy is contagious, and you can't help but feel more empowered and ready for anything after connecting with her. Keeping It Real: Ash doesn't try to sugarcoat life. She gets that things can be tough and offers relatable advice that speaks to people from all walks of life. Turning Inspiration into Action: This isn't just about feeling good for a moment. Ash gives you practical tips and strategies to actually make things happen and turn your dreams into reality. So, if you're looking for a daily dose of inspiration, real-world advice, and someone who keeps it totally honest, Ash Brown is your go-to person! With her amazing positivity and genuine dedication to helping others, she's sure to become your favorite source for making the most out of life. ✨ ► Goli Gummy Discounts Link: https://go.goli.com/1loveash5 ► Luxury Women Handbag Discounts: https://www.theofficialathena.... ► Review Us: https://itunes.apple.com/us/po... ► Subscribe: http://www.youtube.com/c/AshSa... ► Instagram: https://www.instagram.com/1lov... ► Facebook: https://www.facebook.com/ashsa... ► Blog: http://www.ashsaidit.com/blog #atlanta #ashsaidit #theashsaiditshow #ashblogsit #ashsaidit®Become a supporter of this podcast: https://www.spreaker.com/podcast/the-ash-said-it-show--1213325/support.

This week, Christina Cauterucci is joined by Erik Piepenburg, author of Dining Out, a new book that explores the history of gay restaurants in the United States. Piepenburg traces how restaurants have long served as essential spaces for queer people as places to gather, connect, and express themselves at a time when most public spaces were hostile or unsafe. Learn more about your ad choices. Visit megaphone.fm/adchoices

This week, Christina Cauterucci is joined by Erik Piepenburg, author of Dining Out, a new book that explores the history of gay restaurants in the United States. Piepenburg traces how restaurants have long served as essential spaces for queer people as places to gather, connect, and express themselves at a time when most public spaces were hostile or unsafe. Learn more about your ad choices. Visit megaphone.fm/adchoices

This week, Christina Cauterucci is joined by Erik Piepenburg, author of Dining Out, a new book that explores the history of gay restaurants in the United States. Piepenburg traces how restaurants have long served as essential spaces for queer people as places to gather, connect, and express themselves at a time when most public spaces were hostile or unsafe. Learn more about your ad choices. Visit megaphone.fm/adchoices

This week, Christina Cauterucci is joined by Erik Piepenburg, author of Dining Out, a new book that explores the history of gay restaurants in the United States. Piepenburg traces how restaurants have long served as essential spaces for queer people as places to gather, connect, and express themselves at a time when most public spaces were hostile or unsafe. Learn more about your ad choices. Visit megaphone.fm/adchoices

This week, Christina Cauterucci is joined by Erik Piepenburg, author of Dining Out, a new book that explores the history of gay restaurants in the United States. Piepenburg traces how restaurants have long served as essential spaces for queer people as places to gather, connect, and express themselves at a time when most public spaces were hostile or unsafe. Learn more about your ad choices. Visit megaphone.fm/adchoices

TakeawaysUS consumers are hyper-focused on value right now.59% of consumers prefer retailers offering personalized deals.44% of consumers are switching to generic or store brands.38% are sticking strictly to their shopping list.Consumers are pivoting to cooking at home.Tariffs could cost the foodservice sector over $12 billion.Retailers are expanding their private-label offerings.Technology is going to play a bigger role in retail.Value will remain front and center throughout 2025.Economic pressures can spark unexpected innovation. Chapters00:00 This Week in Research: New Reports and Data02:12 Shifts in Grocery Shopping Habits05:09 Impact of Inflation on Dining Out06:30 Effects of New Tariffs on Grocery Prices08:38 Retailer Strategies in Response to Consumer Shifts10:15 Future Trends in Grocery Retailing

Ethel and Albert  50xxxx - Dining Out

Our guest is Rafal Maslankiewicz who is the chef at Ikigai www.ikigai.nyc in New York, which opened in July 2024.  Ikigai is a very unique concept.  First of all, it is a not-for-profit organization, which is highly unusual for a restaurant.  Secondly, beyond covering the fundamental costs of running a business, all proceeds are donated to a food bank.  In fact, 80 days after the opening, Ikigai donated over $12,000, which funds 63 tons of food. And what makes Ikigai popular and enables such donations possible is Rafal and his team's excellent food menu and service.  With his impressive culinary training at top restaurants under his belt, such as Masa and Eleven Madison Park in New York, he offers creative dishes inspired by Japanese traditions. In this episode, we will discuss the unique concept of Ikigai, how Rafal got into Japanese cuisine after working at serious French kitchens, the meaning of the term Ikigai and much, much more!!!

Today we're getting to know Ana Quincoces. Long before she was a cast member on The Real Housewives of Miami, she was an attorney and avid foodie. The daughter of Cuban immigrants, Ana chats with Dalia about the latest of her four cookbooks, Modern Cuban: A Contemporary Approach to Classic Recipes.Related episodes:​​Miami Herald's Carlos Frías on Cuban Coffee, Edible Iguanas & Winning the James Beard AwardBrenda Popritkin of ‘The Whet Palette' on Her Favorite Miami Restaurants and Dining Out with Special-Needs KidsHow “Food Led the Way” for Cuban Influence in Tampa

How Much Weight Loss Can I Expect on a Keto Diet #34, S.5 New to DIRTY, LAZY, KETO? Start FREE taplink.cc/dirtylazyketo 20,000+ positive reviews on Amazon. Over a million podcast downloads and views on YouTube! As shared on NBC's Today show and on the covers of Woman's World magazine, Stephanie Laska lost 140 pounds and created DIRTY, LAZY, KETO - a "doable" ketogenic diet that works. 1. Start by reading

There's no shortage of fun stuff to do with kids around Denver this season. But how do parents and caregivers make the most of the holidays without stressing out or emptying their wallets? Host and mom Bree Davies is joined by fellow parents Linnea Covington, managing editor at DiningOut, and David Gilbert, writer and local history buff, to map out the best ways to make memories with your kiddos during this most wonderful time of the year. From free hot cocoa and no-cost holiday scavenger hunts to elaborate light displays and visits with Santa, we've rounded up a variety of options that children — and the adults tagging along — can enjoy! Bree mentioned a video of the old, elaborate holiday displays at the long-demolished Buckingham Square in Aurora. For even more news from around the city, subscribe to our morning newsletter Hey Denver at denver.citycast.fm. Follow us on Instagram: @citycastdenver Chat with other listeners on reddit: r/CityCastDenver Support City Cast Denver by becoming a member: membership.citycast.fm What do you think? Text or leave us a voicemail with your name and neighborhood, and you might hear it on the show: 720-500-5418‬ Learn more about the sponsors of this December 3rd episode: If you enjoyed the interview with Denon Moore, the Business Support Director of Colfax Bid, learn more here. BetterHelp - get 10% off at betterhelp.com/CITYCAST Unit E Records Colfax Bid Office of Climate Action PineMelon - Use promo code CITYCASTDENVER for $35 off your first delivery Energy Outreach - Donate at Coloradogives.org Looking to advertise on City Cast Denver? Check out our options for podcast and newsletter ads at citycast.fm/advertise Learn more about your ad choices. Visit megaphone.fm/adchoices

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I want you to be able to stay on track and enjoy the holidays!   Check out my Black Friday Healthy for the Holidays Bundle, click here! With this bundle, you'll enjoy holiday foods mindfully, indulging in the moments that matter most. When you join the Healthy for the Holidays Bundle, you'll get lifetime access to:  ✨ Travel, Holiday, Dining Out & Alcohol Guide  ✨ Kick Your Cravings to the Curb  ✨ Handling Food & Body Comments Guide  ✨ Holiday Health Guide  Click Here to Join the Free Workshop: How to Feel Like Yourself Again Postpartum & Reach Your Healthiest Weight without Sacrificing Your Favorite Foods or Milk Supply  

Substitutes for Potatoes Keto #33, S.5 New to DIRTY, LAZY, KETO? Start FREE taplink.cc/dirtylazyketo 20,000+ positive reviews on Amazon. Over a million podcast downloads and views on YouTube! As shared on NBC's Today show and on the covers of Woman's World magazine, Stephanie Laska lost 140 pounds and created DIRTY, LAZY, KETO - a "doable" ketogenic diet that works. 1. Start by reading

Common Questions Starting the Keto Diet Part 3 of 3, #32, S.5 New to DIRTY, LAZY, KETO? Start FREE taplink.cc/dirtylazyketo 20,000+ positive reviews on Amazon. Over a million podcast downloads and views on YouTube! As shared on NBC's Today show and on the covers of Woman's World magazine, Stephanie Laska lost 140 pounds and created DIRTY, LAZY, KETO - a "doable" ketogenic diet that works. 1. Start by reading

The Ipsos Consumer Tracker survey reporting a slowdown in demand of Americans dining out, their report shows a third of Americans say they've cut back on dining out, including fast food, sit downs, and delivery since the start of the year. While 38% say the same even about lunch. The one bright spot Americans just aren't prepared to give up their coffee habit. 27% say they're willing to give up their coffee habit.

Common Questions Starting the Keto Diet PART 2 of 3 #31, S.5 New to DIRTY, LAZY, KETO? Start FREE taplink.cc/dirtylazyketo 20,000+ positive reviews on Amazon. Over a million podcast downloads and views on YouTube! As shared on NBC's Today show and on the covers of Woman's World magazine, Stephanie Laska lost 140 pounds and created DIRTY, LAZY, KETO - a "doable" ketogenic diet that works. 1. Start by reading

Common Questions Starting the Keto Diet PART 1 of 3 #30, S.5 New to DIRTY, LAZY, KETO? Start FREE taplink.cc/dirtylazyketo 20,000+ positive reviews on Amazon. Over a million podcast downloads and views on YouTube! As shared on NBC's Today show and on the covers of Woman's World magazine, Stephanie Laska lost 140 pounds and created DIRTY, LAZY, KETO - a "doable" ketogenic diet that works. 1. Start by reading

Keto Desserts Healthy and Natural #29, S.5 New to DIRTY, LAZY, KETO? Start FREE taplink.cc/dirtylazyketo 20,000+ positive reviews on Amazon. Over a million podcast downloads and views on YouTube! As shared on NBC's Today show and on the covers of Woman's World magazine, Stephanie Laska lost 140 pounds and created DIRTY, LAZY, KETO - a "doable" ketogenic diet that works. 1. Start by reading

Stop Keto What Happens #28, S.5 New to DIRTY, LAZY, KETO? Start FREE taplink.cc/dirtylazyketo 20,000+ positive reviews on Amazon. Over a million podcast downloads and views on YouTube! As shared on NBC's Today show and on the covers of Woman's World magazine, Stephanie Laska lost 140 pounds and created DIRTY, LAZY, KETO - a "doable" ketogenic diet that works. 1. Start by reading

Examples of What I Eat on Keto #27, S.5 New to DIRTY, LAZY, KETO? Start FREE taplink.cc/dirtylazyketo 20,000+ positive reviews on Amazon. Over a million podcast downloads and views on YouTube! As shared on NBC's Today show and on the covers of Woman's World magazine, Stephanie Laska lost 140 pounds and created DIRTY, LAZY, KETO - a "doable" ketogenic diet that works. 1. Start by reading

Today I'm joined by Chef Whitney Aronoff to talk about the transformative power of food and nourishment. We explore Whitney's personal journey from struggling with health issues to discovering the healing properties of whole foods. We chat about he importance of mindful eating, the energetic qualities of food, and how our choices impact not just our physical health but also our emotional and spiritual wellbeing. pssst! USE CODE: MANIFEST & snag a copy of the Monthly Manifestation JournalWe're Chatting:Nourishment and ManifestationFood EmpowermentMindfulness + FoodBuilding your PlateEmotional EatingFood Frequency and EnergeticsCyclical Nature of Nourishment

Cant Stop Eating on Keto #26, S.5 New to DIRTY, LAZY, KETO? Start FREE taplink.cc/dirtylazyketo 20,000+ positive reviews on Amazon! As shared on NBC's Today show and on the covers of Woman's World magazine, Stephanie Laska lost 140 pounds and created DIRTY, LAZY, KETO - a "doable" ketogenic diet that works. 1. Start by reading

Easy Steps to Stop Gaining Weight on Keto #25, S.5 New to DIRTY, LAZY, KETO? Start FREE taplink.cc/dirtylazyketo 20,000+ positive reviews on Amazon! As shared on NBC's Today show and on the covers of Woman's World magazine, Stephanie Laska lost 140 pounds and created DIRTY, LAZY, KETO - a "doable" ketogenic diet that works. 1. Start by reading

On today's episode presented by PINE MELON MARKET, the gang is finally all back together in one place... we sit down to recap our favorite moments of the Olympics, as well as see what Eve has been up to! With the LA28 Olympics adding some new sports to the competition, we give our two cents on which activities/athletic competitions should be in the games.We recap the Dining Out for Chef Amos last week, primarily why you should go eat at Point Easy, as well as Alma Fonda Fina.We also start a sliding scale of attractive actors Eve would like to see in a new movie.. spoiler alert its not Channing Tatum as Gambit... but it may be Blade with Wesley Snipes. Don't Forget the Drama! Yuan Wonton dunks on influencers trying to escape with free meals... just another day dealing with food accounts...and more! Become a supporter of this podcast: https://www.spreaker.com/podcast/stoned-appetit--3077842/support.

On today's podcast presented by PINE MELON, CB & Kip are back in studio chatting it up about the week that was. We give our super official movie review of Deadpool & Wolverine, as well as recap the other viewing pleasures from the weekend!Elitch Gardens on a Saturday...WOOF.Frozen Drinks on the Patio... YEP.More break in's continue to hit local restaurants, how can we help?Speaking of help, Dining Out for Chef Amos is on August 7th, be sure you got a reservation for the occasion! Fizz Fight is back on Saturday, August 10th. DONT MISS IT! Grab tickets at GumPopPresents.ComBecome a supporter of this podcast: https://www.spreaker.com/podcast/stoned-appetit--3077842/support.

Pros and Cons of Intermittent Fasting on Keto #24, S.5 New to DIRTY, LAZY, KETO? Start FREE taplink.cc/dirtylazyketo 20,000+ positive reviews on Amazon! As shared on NBC's Today show and on the covers of Woman's World magazine, Stephanie Laska lost 140 pounds and created DIRTY, LAZY, KETO - a "doable" ketogenic diet that works. 1. Start by reading

Can I Have Sugar Substitutes on Keto #23, S.5 New to DIRTY, LAZY, KETO? Start FREE taplink.cc/dirtylazyketo 20,000+ positive reviews on Amazon! As shared on NBC's Today show and on the covers of Woman's World magazine, Stephanie Laska lost 140 pounds and created DIRTY, LAZY, KETO - a "doable" ketogenic diet that works. 1. Start by reading

Can I Have Sugar Substitutes on Keto #22, S.5 New to DIRTY, LAZY, KETO? Start FREE taplink.cc/dirtylazyketo 20,000+ positive reviews on Amazon! As shared on NBC's Today show and on the covers of Woman's World magazine, Stephanie Laska lost 140 pounds and created DIRTY, LAZY, KETO - a "doable" ketogenic diet that works. 1. Start by reading

My first guest offers a wealth of insight and availability for enjoying healthy, energizing, and chef-driven meals for at home or on-the-go. Anjali Gupta began her career in the corporate world, but found herself drawn into the culinary industry. She was drawn there as a result of leading a too-busy life and wanting delicious and healthy meals that were easy to prepare for her family. This eventually led to her creating Pinwheel Provisions. Now, listeners like yourself (and everyone you know) can eat hearty and nutritious meals while traversing your busy lives. Pinwheel Provisions offers flavor-packed ready to heat and eat, and build-your-own meals inside her BrynMawr-based business. And if you're not looking to cook at home, there's something for everyone--as Pinwheel Provisions also offers a select menu that you can grab-n-go at anytime!Friends are like family and so are our pets, so I was excited to have my friend, Jaimi Blackburn who is the Director of Public Relations for Fearless Restaurant Group on to announce White Dog Cafe's "Dining Out for the Dogs" event, happening next Tuesday July 16th at all White Dog Cafe locations! The event is BYOD (Bring Your Own Dog) but you'll need to make a Very Important Puppy reservation for your precious furry family member. There's a whole lot more to bark about--with puppy kissing booths, raffle prizes, specialty cocktails by Tito's, and more!!! The pooch-friendly fundraising event will benefit Alpha Bravo Canine, just be sure to listen closely for all the fun details to look forward to!One of your favorite guests is back, and with so much to share about! Founder, Author, Psychologist, and Organizer behind The Trauma Survivors Foundation, Hospital Heroes Food Drive, The Delaware Beer Festival, and more--Dennis Carradin joined me to talk about his latest book, his new beer collaboration-a Pilsner, and some of his upcoming events, including The Delaware Beer Festival (DBF). What's even better? When you stay tuned, you'll hear an exclusive discount code to attend one of the DBF's sessions--with on-air radio show hosts, live music from Country Music Stars, food, and over 200 beers to sample inside the Wilmington Blue Rocks Stadium! Related Links:https://www.pinwheelprovisions.comhttps://www.fearlessrestaurants.comhttps://www.eventbrite.com/e/7th-annual-dining-out-for-the-dogs-to-benefit-alpha-bravo-canine-tickets-914352321407?aff=oddtdtcreatorhttps://www.thetraumasurvivorsfoundation.comhttps://www.eventbrite.com/e/delaware-beer-fest-tickets-885950942117?aff=ebdssbdestsearch

How to Make Keto Peanut Butter Cookie Dough #21, S.5 New to DIRTY, LAZY, KETO? Start FREE taplink.cc/dirtylazyketo 20,000+ positive reviews on Amazon! As shared on NBC's Today show and on the covers of Woman's World magazine, Stephanie Laska lost 140 pounds and created DIRTY, LAZY, KETO - a "doable" ketogenic diet that works. 1. Start by reading

This episode originally aired as #251 on 8/6/2022. This is part of a series of shows helping you discover, or rediscover, free or cheap things that you can do today to improve your health and the health of your family! Learn some super impactful things that when stacked together become incredibly beneficial. Plus most of them don't cost you a penny!!Products:Jared's favorite lip balmsVitality Nutrition Nano-Silver Skin GelEndure Performance Electrolyte DropsAdditional Information:#416: VR Vintage: 10 Free or Cheap Things You Can Do Today to Improve Your Health!Visit the podcast website here: VitalityRadio.comYou can follow @vitalityradio and @vitalitynutritionbountiful on Instagram, or Vitality Radio and Vitality Nutrition on Facebook. Join us also in the Vitality Radio Podcast Listener Community on Facebook. Shop the products that Jared mentions at vitalitynutrition.com. Let us know your thoughts about this episode using the hashtag #vitalityradio and please rate and review us on Apple Podcasts. Thank you!Please also join us on the Dearly Discarded Podcast with Jared St. Clair.Just a reminder that this podcast is for educational purposes only. The FDA has not evaluated the podcast. The information is not intended to diagnose, treat, cure, or prevent any disease. The advice given is not intended to replace the advice of your medical professional.

Keto Friendly Chocolate Ideas #20, S.5 New to DIRTY, LAZY, KETO? Start FREE taplink.cc/dirtylazyketo 20,000+ positive reviews on Amazon! As shared on NBC's Today show and on the covers of Woman's World magazine, Stephanie Laska lost 140 pounds and created DIRTY, LAZY, KETO - a "doable" ketogenic diet that works. 1. Start by reading

First Day Back Keto Diet #19, S.5 New to DIRTY, LAZY, KETO? Start FREE taplink.cc/dirtylazyketo 20,000+ positive reviews on Amazon! As shared on NBC's Today show and on the covers of Woman's World magazine, Stephanie Laska lost 140 pounds and created DIRTY, LAZY, KETO - a "doable" ketogenic diet that works. 1. Start by reading

Stop Leg Cramps on Keto #18, S.5 New to DIRTY, LAZY, KETO? Start FREE taplink.cc/dirtylazyketo 20,000+ positive reviews on Amazon! As shared on NBC's Today show and on the covers of Woman's World magazine, Stephanie Laska lost 140 pounds and created DIRTY, LAZY, KETO - a "doable" ketogenic diet that works. 1. Start by reading

New to DIRTY, LAZY, KETO? Start FREE taplink.cc/dirtylazyketo 20,000+ positive reviews on Amazon! As shared on NBC's Today show and on the covers of Woman's World magazine, Stephanie Laska lost 140 pounds and created DIRTY, LAZY, KETO - a "doable" ketogenic diet that works. 1. Start by reading

How to stop keto diet sabotagers? I've got tips for you! Step one. Recognize that diet sabotagers can be "supportive" family and friends. Don't be fooled! How to Stop Diet Sabotagers #16, S.5 DIRTY LAZY KETO Podcast by Stephanie Laska FREE keto resource - Be sure to subscribe! New episodes drop each week. Watch on YouTube or listen wherever you like to get your podcasts. Fun fact: The YouTube channel DIRTY LAZY KETO Stephanie Laska has had over 1 million views! Diet Sabotagers You are going to love this episode, "How to Stop Diet Sabotagers #16, S.5" of the DIRTY LAZY KETO Podcast by Stephanie Laska - Voted one of "Top 6 Keto Podcasts" by Everyday Health.  How to Stop Diet Sabotagers Strict vs Dirty Keto It's my passion to help as many people as possible lose weight just like I did and achieve keto weight loss results - on an easier, more "doable" form of the ketogenic diet. It turns out you don't have to be strict on a keto diet to be successful. Let me help you get started with DIRTY LAZY KETO. FREE Starter Keto Grocery List Access the FREE starter keto grocery list, subscribe to my channels, and locate the DIRTY LAZY KETO books and resources through this mobile-friendly quick-link: https://taplink.cc/dirtylazyketo Starting Keto Resources: I have many resources to help you achieve keto weight loss results. My books have had more than 20,000 positive reviews on Amazon. Readers agree - DIRTY, LAZY, KETO works! Keto Books by Stephanie Laska Extra Easy Keto: 7 Days to Ketogenic Weight Loss on a Low Carb Diet by Stephanie Laska (St. Martin's, 2023) DIRTY, LAZY, KETO Get Started Losing Weight While Breaking the Rules by Stephanie Laska (St. Martin's, 2020) Keto Diet Restaurant Guide: Eat Healthy and Stay in Ketosis, Dining Out on a Low Carb Diet by William & Stephanie Laska (2022) The DIRTY, LAZY, KETO 5-Ingredient Cookbook: 100 Easy-Peasy Recipes Low in Carbs, Big on Flavor by Stephanie & William Laska (Simon & Schuster, 2021) The DIRTY, LAZY, KETO No Time to Cook Cookbook: 100 Easy Recipes Ready in Under 30 Minutes by Stephanie & William Laska (Simon & Schuster, 2021) The DIRTY, LAZY, KETO Dirt Cheap Cookbook: 100 Easy Recipes to Save Money & Time by Stephanie & William Laska (Simon & Schuster, 2020) The DIRTY, LAZY, KETO Cookbook: Bend the Rules to Lose the Weight by Stephanie & William Laska (Simon & Schuster, 2020) DIRTY, LAZY, KETO Fast Food Guide: 10 Carbs or Less by William & Stephanie Laska (2018) You're not alone in this keto weight loss journey. Let me help you get started with a more gentle, flexible, and FUN way to keto! I'm here to support you. I'm here to help. Let's do this together. Stephanie Laska USA Today Bestselling Author and Creator of DIRTY, LAZY, KETO and Extra Easy Keto. Resources: Stop Diet Sabotagers Sabotage Behaviors and How to Stop Them     Start Keto: A Beginner's Guide to the DIRTY, LAZY, KETO diet plan         How to Make Keto Extra Easy         Dirty Keto Before and After Results         DIRTY LAZY KETO Store

Picker eaters gather round for these tricks to eat more vegetables on keto. Full of fiber and low carb deliciousness, vegetables on keto keep you satiated. Break a weight loss stall with more vegetables on keto! Tricks to Eat MORE Vegetables on Keto #15, S.5 DIRTY LAZY KETO Podcast by Stephanie Laska FREE keto resource - Be sure to subscribe! New episodes drop each week. Watch on YouTube or listen wherever you like to get your podcasts. Fun fact: The YouTube channel DIRTY LAZY KETO Stephanie Laska has had over 1 million views! Vegetables on Keto You are going to love this episode, "Tricks to Eat MORE Vegetables on Keto #15" of the DIRTY LAZY KETO Podcast by Stephanie Laska - Voted one of "Top 6 Keto Podcasts" by Everyday Health.  Tricks to Eat More Vegetables on Keto Strict vs Dirty Keto It's my passion to help as many people as possible lose weight just like I did and achieve keto weight loss results - on an easier, more "doable" form of the ketogenic diet. It turns out you don't have to be strict on a keto diet to be successful. Let me help you get started with DIRTY LAZY KETO. FREE Starter Keto Grocery List Access the FREE starter keto grocery list, subscribe to my channels, and locate the DIRTY LAZY KETO books and resources through this mobile-friendly quick-link: https://taplink.cc/dirtylazyketo Starting Keto Resources: I have many resources to help you achieve keto weight loss results. My books have had more than 20,000 positive reviews on Amazon. Readers agree - DIRTY, LAZY, KETO works! Keto Books by Stephanie Laska Extra Easy Keto: 7 Days to Ketogenic Weight Loss on a Low Carb Diet by Stephanie Laska (St. Martin's, 2023) DIRTY, LAZY, KETO Get Started Losing Weight While Breaking the Rules by Stephanie Laska (St. Martin's, 2020) Keto Diet Restaurant Guide: Eat Healthy and Stay in Ketosis, Dining Out on a Low Carb Diet by William & Stephanie Laska (2022) The DIRTY, LAZY, KETO 5-Ingredient Cookbook: 100 Easy-Peasy Recipes Low in Carbs, Big on Flavor by Stephanie & William Laska (Simon & Schuster, 2021) The DIRTY, LAZY, KETO No Time to Cook Cookbook: 100 Easy Recipes Ready in Under 30 Minutes by Stephanie & William Laska (Simon & Schuster, 2021) The DIRTY, LAZY, KETO Dirt Cheap Cookbook: 100 Easy Recipes to Save Money & Time by Stephanie & William Laska (Simon & Schuster, 2020) The DIRTY, LAZY, KETO Cookbook: Bend the Rules to Lose the Weight by Stephanie & William Laska (Simon & Schuster, 2020) DIRTY, LAZY, KETO Fast Food Guide: 10 Carbs or Less by William & Stephanie Laska (2018) You're not alone in this keto weight loss journey. Let me help you get started with a more gentle, flexible, and FUN way to keto! I'm here to support you. I'm here to help. Let's do this together. Stephanie Laska USA Today Bestselling Author and Creator of DIRTY, LAZY, KETO and Extra Easy Keto. Resources: Tricks to Eat MORE Vegetables Should You Count Carb in Vegetables on Keto?         Start Keto: A Beginner's Guide to the DIRTY, LAZY, KETO diet plan         How to Make Keto Extra Easy         Dirty Keto Before and After Results         DIRTY LAZY KETO Store

Check out these top 10 keto snacks for the car. Perfect for an upcoming road trip! Stay on track with DIRTY, LAZY, KETO with these mess-free keto snacks for the car. Top 10 Keto Snacks for the Car #14, S.5 DIRTY LAZY KETO Podcast by Stephanie Laska FREE keto resource - Be sure to subscribe! New episodes drop each week. Watch on YouTube or listen wherever you like to get your podcasts. Fun fact: The YouTube channel DIRTY LAZY KETO Stephanie Laska has had over 1 million views! Top 10 Keto Snacks for the Car You are going to love this episode, "Top 10 Keto Snacks for the Car #14, S.5" of the DIRTY LAZY KETO Podcast by Stephanie Laska - Voted one of "Top 6 Keto Podcasts" by Everyday Health.  Top 10 Keto Snacks for the Car Strict vs Dirty Keto It's my passion to help as many people as possible lose weight just like I did and achieve keto weight loss results - on an easier, more "doable" form of the ketogenic diet. It turns out you don't have to be strict on a keto diet to be successful. Let me help you get started with DIRTY LAZY KETO. FREE Starter Keto Grocery List Access the FREE starter keto grocery list, subscribe to my channels, and locate the DIRTY LAZY KETO books and resources through this mobile-friendly quick-link: https://taplink.cc/dirtylazyketo Starting Keto Resources: I have many resources to help you achieve keto weight loss results. My books have had more than 20,000 positive reviews on Amazon. Readers agree - DIRTY, LAZY, KETO works! Keto Books by Stephanie Laska Extra Easy Keto: 7 Days to Ketogenic Weight Loss on a Low Carb Diet by Stephanie Laska (St. Martin's, 2023) DIRTY, LAZY, KETO Get Started Losing Weight While Breaking the Rules by Stephanie Laska (St. Martin's, 2020) Keto Diet Restaurant Guide: Eat Healthy and Stay in Ketosis, Dining Out on a Low Carb Diet by William & Stephanie Laska (2022) The DIRTY, LAZY, KETO 5-Ingredient Cookbook: 100 Easy-Peasy Recipes Low in Carbs, Big on Flavor by Stephanie & William Laska (Simon & Schuster, 2021) The DIRTY, LAZY, KETO No Time to Cook Cookbook: 100 Easy Recipes Ready in Under 30 Minutes by Stephanie & William Laska (Simon & Schuster, 2021) The DIRTY, LAZY, KETO Dirt Cheap Cookbook: 100 Easy Recipes to Save Money & Time by Stephanie & William Laska (Simon & Schuster, 2020) The DIRTY, LAZY, KETO Cookbook: Bend the Rules to Lose the Weight by Stephanie & William Laska (Simon & Schuster, 2020) DIRTY, LAZY, KETO Fast Food Guide: 10 Carbs or Less by William & Stephanie Laska (2018) You're not alone in this keto weight loss journey. Let me help you get started with a more gentle, flexible, and FUN way to keto! I'm here to support you. I'm here to help. Let's do this together. Stephanie Laska USA Today Bestselling Author and Creator of DIRTY, LAZY, KETO and Extra Easy Keto. Resources: Top 10 Keto Snacks for the Car How to Make Keto Extra Easy         Start Keto: A Beginner's Guide to the DIRTY, LAZY, KETO diet plan         Dirty Keto Before and After Results         DIRTY LAZY KETO Store

What is the best way to be healthy, eat real food, and lose weight in the battle of keto vs weight loss drugs? The answer to sustainable weight loss is complex. Keto vs Weight Loss Drugs #13, S.5 DIRTY LAZY KETO Podcast by Stephanie Laska FREE keto resource - Be sure to subscribe! New episodes drop each week. Watch on YouTube or listen wherever you like to get your podcasts. Fun fact: The YouTube channel DIRTY LAZY KETO Stephanie Laska has had over 1 million views! Keto vs Weight Loss Drugs You are going to love this episode, "Keto vs Weight Loss Drugs, #13, S.5" of the DIRTY LAZY KETO Podcast by Stephanie Laska - Voted one of "Top 6 Keto Podcasts" by Everyday Health.  Quick Keto Burgers at Home Strict vs Dirty Keto It's my passion to help as many people as possible lose weight just like I did and achieve keto weight loss results - on an easier, more "doable" form of the ketogenic diet. It turns out you don't have to be strict on a keto diet to be successful. Let me help you get started with DIRTY LAZY KETO. FREE Starter Keto Grocery List Access the FREE starter keto grocery list, subscribe to my channels, and locate the DIRTY LAZY KETO books and resources through this mobile-friendly quick-link: https://taplink.cc/dirtylazyketo Starting Keto Resources: I have many resources to help you achieve keto weight loss results. My books have had more than 20,000 positive reviews on Amazon. Readers agree - DIRTY, LAZY, KETO works! Keto Books by Stephanie Laska Extra Easy Keto: 7 Days to Ketogenic Weight Loss on a Low Carb Diet by Stephanie Laska (St. Martin's, 2023) DIRTY, LAZY, KETO Get Started Losing Weight While Breaking the Rules by Stephanie Laska (St. Martin's, 2020) Keto Diet Restaurant Guide: Eat Healthy and Stay in Ketosis, Dining Out on a Low Carb Diet by William & Stephanie Laska (2022) The DIRTY, LAZY, KETO 5-Ingredient Cookbook: 100 Easy-Peasy Recipes Low in Carbs, Big on Flavor by Stephanie & William Laska (Simon & Schuster, 2021) The DIRTY, LAZY, KETO No Time to Cook Cookbook: 100 Easy Recipes Ready in Under 30 Minutes by Stephanie & William Laska (Simon & Schuster, 2021) The DIRTY, LAZY, KETO Dirt Cheap Cookbook: 100 Easy Recipes to Save Money & Time by Stephanie & William Laska (Simon & Schuster, 2020) The DIRTY, LAZY, KETO Cookbook: Bend the Rules to Lose the Weight by Stephanie & William Laska (Simon & Schuster, 2020) DIRTY, LAZY, KETO Fast Food Guide: 10 Carbs or Less by William & Stephanie Laska (2018) You're not alone in this keto weight loss journey. Let me help you get started with a more gentle, flexible, and FUN way to keto! I'm here to support you. I'm here to help. Let's do this together. Stephanie Laska USA Today Bestselling Author and Creator of DIRTY, LAZY, KETO and Extra Easy Keto. Additional Resources: Keto vs Weight Loss Drugs How to Make Keto Extra Easy         Start Keto: A Beginner's Guide to the DIRTY, LAZY, KETO diet plan         Dirty Keto Before and After Results         DIRTY LAZY KETO Store