Podcasts about financial advice

Is it financially responsible for New Yorkers to buy Finals tickets? Which musical artists has the best fan base? Should Megan Thee Stallion have been at the Tony Awards?? How much money does Nick Cannon make?? Are Taylor and Travis REALLY getting married at Madison Square Garden? PLUS: Why Cody needed the PERFECT Birthday Cake, why Dua Lipa needs to wait to have kids, And Cody's gripe with 4D Movies!We have summer deals for YOU!ZBiotics: Need some PRE-alcohol for your lifestyle? Go to zbiotics.com/tactful to get 15% off your first order when you use TACTFUL at checkout!LMNT: Get a free LMNT Sample Pack with any order at DrinkLMNT.com/tactful - And remember to try Lemonade Iced Tea now through August 31st!Quince: Refresh your everyday with luxury! Head to Quince.com/pettiness for free shipping on your order and 365-day returns!See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Don and Tom examine the coming wave of blockbuster IPOs, including rumored offerings from SpaceX, Anthropic, and OpenAI, and explain why investor excitement often leads to disappointing results. Drawing on research from Dimensional Fund Advisors and examples such as Uber, Facebook, and Groupon, they discuss the historical underperformance of IPOs and the dangers of buying into hype. They then answer a listener's question about assets-under-management fees, explaining the broader planning, tax, behavioral, and retirement services provided by fiduciary advisors beyond portfolio construction. The episode concludes with a look at the growing number of highly speculative ETFs, including UFO-themed and meme-stock funds, and a warning that investors should focus on diversification and discipline rather than chasing the latest financial product.0:05 Summer IPO mania: SpaceX, Anthropic, OpenAI, and the hype machine1:24 SpaceX's massive valuation and why investors are excited3:05 Anthropic and OpenAI join the trillion-dollar IPO conversation4:29 Comparing today's IPO wave to the dot-com boom5:09 Why hot IPOs are usually a bad investment6:27 Dimensional research on IPO underperformance and liquidity concerns7:51 Uber, Facebook, Groupon, and other IPO cautionary tales8:50 Why even great companies can be poor investments at the wrong price9:45 Why disciplined firms delay adding IPOs to portfolios10:59 How to submit questions to Talking Real Money13:17 Listener question: Is a 1% AUM fee really worth it?15:20 What advisors actually do beyond portfolio management16:44 Vanguard's research on advisor value17:12 Why large portfolios shouldn't pay a flat 1% on all assets18:24 The emotional and behavioral benefits of professional advice20:29 How advisors help investors stay diversified21:45 The explosion of bizarre new ETFs22:49 UFO ETFs, meme-stock funds, and speculative product launches25:05 Why investors should be skeptical of niche ETFs and high feesQuestions? Comments? Click!

Laverne Cox joins to discuss her new memoir ‘Transcendent,' in which she opens up about her journey as a transgender woman, childhood trauma, and search for love. Also, Jenna and Sheinelle kick off a new series called “Date My Dad” and meet the first bachelor, Stephen. Plus, ‘The Automatic Millionaire' author David Bach shares smart money moves to make at any age. And, a shopping guide to must-have beach essentials for summer. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Think financial advice is something you get when you're older, wealthier, or closer to retirement? That mindset could be costing you far more than you realise.  Because when it comes to building wealth, when you start can matter more than how much you start with.  In this episode, Nick is joined by Paul Benson to unpack why your 30s and 40s can be such a powerful window for getting advice. It's the time to make decisions that can compound, course correct, and create more choice later.  But this is not just one for younger listeners. If you are in your 50s, 60s or beyond, there are still valuable takeaways here, especially if you are wondering whether your super, investments, insurance, structures or old money habits still make sense for where you are now.  Inside the episode:  How to know whether your money is actually working hard enough Why "I'll sort it out later" can become one of your most expensive financial habits Why getting advice early could make a six-figure difference by retirement Why earning good money does not always mean you are building wealth One setting that could turbocharge your superannuation What to review now if you feel like you started too late  WANT PERSONALISED FINANCIAL ADVICE?: Book an appointment here.  WANT TO STAY ACROSS WHAT'S MOVING THE MARKETS?: Subscribe to GainingCHOICE, our weekly email unpacking the key headlines and what to pay attention to.  GOT A FINANCE QUESTION FOR PAUL?: Send it to paul@financialautonomy.com.au, and it could be featured in his Ask an Expert column each Sunday in The Age and Sydney Morning Herald.  General advice disclaimer

Financial Planner Luke Smith joined 2CC Talking Canberra in Money Matters, that aired live on Friday 5 June 2026. The topic is: Buying an investment property: Is it still a good decision? Last we spoke about the tax changes from the Federal Budget, and this episode continues that conversation from the perspective of a property […]

Dan Scholey, Chief Product Officer, MoneyhubFinancial services platforms have been guilty of differentiating more on technical specifications, or look and feel, than their ability to impact the real lives of consumers. Dan Scholey, Chief Product Officer at UK FinTech Moneyhub believes many consumers suffer with high levels of financial anxiety, low confidence in managing money, and a lack of basic financial literacy. As Open Banking evolves into Open Finance, real-time client data is becoming readily accessible, and it is incumbent on banks and advisers to take advantage of these developments to help customers make more from their money and bring greater long-term value for the customers they serve.

Gronk going the way of Jay Leno with his cash

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Global News reporter Uday Rana on Canadians using AI for financial advice.

Business lessons and personal experiences intersect with retirement planning in this episode with Art McPherson. The discussion highlights long-term thinking, family legacy, and how discipline applies across financial decisions. For more information visit www.artofmoney.com! Follow us on social media: YouTube | Instagram | Facebook | LinkedInSee omnystudio.com/listener for privacy information.

WE ARE SO BAAAACK! Show Notes:

Financial Planner Luke Smith joined 2CC Talking Canberra in Money Matters, that aired live on Friday 29 May 2026. The topic is: Tax Budget changes – What does it mean for your situation? As promised in previous episodes, Luke is joined by Rhys Kyburz to talk about tax matters. Rhys is a Partner and Accountant […]

This episode of Talking Real Money examines why financial advice so often turns into emotional debate instead of productive problem-solving. Don and Tom discuss how investors routinely underestimate spending, cling emotionally to employer stock, and defend strategies like dividend chasing, covered calls, crypto, or gold despite decades of evidence favoring diversified investing. They answer a listener question about aggressively paying down a 6.625% adjustable-rate mortgage versus maintaining liquidity, warn about commissioned advisors circling employees receiving RSU payouts, and correct a previous mistake regarding Roth employer matches under Secure 2.0 legislation. Along the way, the hosts mix humor, blunt honesty, and personal stories about why changing financial behavior is far harder than simply explaining the math.0:05 Are listeners looking for advice, validation, or just an argument?0:58 “Two old white guys waiting to die on a podcast” and why changing investor behavior is so difficult1:24 Basis points complaints and arguing over financial terminology2:21 Why financial planning conversations often become debates3:16 Most people underestimate how much they actually spend4:04 Net income minus savings equals spending, whether you admit it or not4:59 Growing up arguing in big families and learning debate skills early5:53 Emotional attachment to employer stock and concentration risk6:19 Microsoft, Enron, Washington Mutual, and the danger of loyalty investing7:02 Why many individual stocks underperform for long stretches7:42 Covered calls, dividend strategies, and belief in “secret” investing systems8:16 Why Don and Tom remain skeptical of crypto, gold, and speculative investing9:16 Their investing philosophy comes from peer-reviewed academic research, not hunches10:17 If you call for portfolio help, don't expect automatic validation11:23 Listener Jim asks whether to aggressively pay down his adjustable-rate mortgage12:17 Extra principal payments versus saving cash to pay off the mortgage later13:12 Why a 6.625% mortgage changes the payoff math14:35 Liquidity concerns versus the emotional appeal of being debt-free15:06 Mortgage recasting explained and reducing future interest costs17:39 Regret over not refinancing during ultra-low-rate years18:10 Why peace of mind sometimes outweighs financial optimization18:50 “Paper argues badly” and the transition into listener emails18:59 RSU sharks circling a listener with a large restricted stock payout19:48 Wealth managers aggressively targeting employees cashing out company stock20:47 Warning signs of commissioned annuity sales disguised as “help”21:48 Why concentrated company stock remains risky even after huge gains22:24 Recalling the advisor who openly admitted to a 10% annuity commission22:41 Retirement quiz follow-up and correcting a Roth 401(k) mistake23:01 Secure 2.0 technically allows Roth employer matches in 401(k)s24:09 Why most employers still don't offer Roth matching contributions24:36 Tax uncertainty and the value of maintaining both Roth and pre-tax accounts25:33 Tom admits he occasionally tells players when he missed a call as a referee26:05 Encouraging listeners to argue, ask questions, and engage with the show27:02 Offering free portfolio consultations without annuity sales pressure27:39 Joking about becoming annuity salesmen after all these yearsQuestions? Comments? Click!

Hayley Rabbets joins MM Talks to introduce Evergreen, a Calton-backed initiative designed to support the full lifecycle of financial planners, from training and early careers through business growth and succession planning. She discusses practical steps to close the advice gap, the role of coaching and education alongside technology, and the need for diverse, structured career pathways and community support across the profession.

In this master's class episode of the Smart Real Estate Coach Podcast, I sit down with Chris Miles for a timely conversation on passive income, financial freedom, and why so much traditional financial advice simply does not work for entrepreneurs, investors, and high-income earners who want real options. Chris is a cash flow expert, founder of Money Ripples, author of The Money Ripples Podcast, and someone who has retired twice before age 40 by focusing on acceleration over accumulation. That alone should get your attention.     We talk about why the old "save for 40 years and hope" model leaves too many people trapped, how Chris went from financial advisor to "anti-financial advisor," how he hit financial freedom at 28, lost it all during the 2008 crash, then rebuilt it again by 39. We also get into liquidity, passive-income strategy shifts, infinite banking, relationship capital, mastermind rooms, and why cash is king in today's market.    If you want to stop waiting for someday and start building a work-optional life through smarter investing and stronger cash flow, this episode is packed with perspective.   Key Talking Points of the Episode   00:00 Introduction 01:04 Who is Chris Miles? 02:02 Chris Miles' background as a financial advisor 04:20 Realizing the potential of real estate over mutual funds 06:05 Achieving financial freedom the first time 07:01 Facing financial loss and digging out of debt 08:05 Achieving financial freedom the second time 11:05 Identifying the ideal client for Cash Flow Strategy 12:15 The 3% Rule and limitations of traditional retirement accounts 14:02 Accelerating freedom through real estate lending and equity 16:43 Recent market shifts and the importance of liquidity 18:51 Strategies for storing cash outside of traditional banks 20:13 The power of proximity, masterminds, and community 23:13 The importance of borrowed credibility and relationships 25:00 How to connect with Chris Miles and Money Ripples 26:17 Announcement: 3 Paydays Live Event   Quotables   "It's acceleration, not accumulation. That's the secret."   "Whoever has the gold makes the rules."   "Because of AI, there's a bigger need for relationships."   Links   Money Ripples https://moneyripples.com/   Money Ripples Podcast https://moneyripples.com/podcast-2/   3 Paydays® Live https://3paydayslive.com/podcast   Free Discovery Call https://smartrealestatecoachpodcast.com/discovery   3 Paydays® System Mastery Course - Use coupon code for 50% off https://smartrealestatecoach.com/qls Coupon code: pod   Apprentice Program 3PaydaysApprentice.com/Podcast    Masterclass https://smartrealestatecoach.com/masterspodcast   3 Paydays Books https://3paydaysbooks.com/podcast   Partners https://smartrealestatecoach.com/podcastresources

On Wednesday's Morning Focus, Daragh Dolan was joined live in-studio once again by Tommy Corbett of Carey Corbett Financial Solutions. Tommy Corbett gives parents advice on preparing for the cost of third level education ahead of the Leaving Cert next week.

On this episode: Some people retire with strong finances but still struggle—because retirement isn’t just about the numbers. Why are annuities suddenly gaining traction among retirees? Retirement withdrawals aren’t always rule-based—how you pull income can be more flexible than you might expect. Family inheritance plans can look simple on paper, but real-life dynamics often make them far more complicated. Subscribe or follow so you never miss an episode! Check out Fire Your Financial Advisor on YouTube! Learn more at GoldenReserve.com or follow on social: Facebook & LinkedIn.See omnystudio.com/listener for privacy information.

Everyone has financial opinions these days, especially famous authors, podcast hosts, billionaires, and TV personalities. In this episode, Trent and Brandon react to popular money advice from the big names and explore where some of these ideas make sense, where they may go too far, and why personal financial planning matters more than one-size-fits-all advice. Before you blindly follow another financial "guru," think critically about the advice you hear online. Here's some of what we discuss in this episode:

What if your retirement plan isn’t about stopping work at all? This episode with Damon Roberts & Matt Deaton explores why more people are choosing to keep working, how flexibility changes financial decisions, and the hidden pitfalls of Social Security timing and healthcare costs. It also tackles misinformation, scams, and the importance of building a strategy you can actually trust. For more information or to schedule a consultation, call 480-680-6868 or visit www.successinthenewretirement.com! Follow us on social media: Facebook | LinkedInSee omnystudio.com/listener for privacy information.

Ever wonder why ten different people give ten different answers to the question, "How much money is enough?" In this episode, we look past the bank account and dive into the true root of financial freedom: your state of consciousness.We break down the fundamental shift between a scarcity mindset—where doubt and anxiety rule—and an abundance mindset, which is the radical trust that you will always have what you need precisely when you need it. Sharing powerful, eleventh-hour stories of synchronicity, from author Bronnie Ware's miraculous album funding to personal leaps of faith in Paris, this episode illustrates how the universe meets us when we step out on a limb.If you are currently navigating a financial valley, it might actually be a spiritual growth spurt in disguise. Learn how to stop chasing the outcome, shift your focus from tracking bills to creating value, and discover how serving others naturally unlocks the flow of abundance. Tune in to stop stressing over the "how" and start cultivating the presence, alignment, and enthusiasm needed to make a way out of no way.Send us a text message. We'd love to hear from you!

This week: A possible Covid-related tax refund, the demographic with the biggest student loan defaults, can AI help with your money….and All-things 529 plans and college savings with Patricia Roberts.Learn more about Farnoosh's upcoming literary workshop Book to Brand. Early bird registration is now open! Hosted on Acast. See acast.com/privacy for more information.

This episode of The Road to Retirement focuses on the growing influence of “FinTalk” — financial advice shared through TikTok and social media platforms — and the impact it’s having on investors and retirees. Tripp Limehouse and Steve Sedahl discuss why more people are turning to influencers for financial guidance, the dangers of oversimplified online advice, and how emotional reactions to headlines can derail long-term retirement plans. They also highlight the positive side of social media, including increased awareness around investing, Roth IRAs, ETFs, and retirement planning for younger generations. Throughout the conversation, Tripp emphasizes the importance of personalized financial planning, fiduciary guidance, and having a written retirement plan tailored to each individual’s goals and risk tolerance. Visit Limehouse Financial to learn more. Call 800-940-6979See omnystudio.com/listener for privacy information.

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Most people don't have a money problem. They have a vision problem. In this special edition of The Table, I'm breaking down the 4 money rules that took me from $6.32 in my bank account to building real wealth and financial peace.These 4 rules are pulled directly from my brand new book, Stop Living Paycheck to Paycheck: The Proven Path to Break Free from Debt, Build Real Wealth, and Live a Life Free on Any Income — releasing August 25, 2026.

Singapore’s financial advisory industry is changing fast - with consolidation, rising compliance costs and larger platforms reshaping the business of advice. Hosted by Michelle Martin, this episode with Christopher Tan, CEO of Providend, explores what happens when financial advice becomes increasingly concentrated in the hands of fewer, larger players. Both also discuss the part of retirement few talk about - spending wisely in retirement.See omnystudio.com/listener for privacy information.

What if the financial advice you've been following is holding you back? In this episode of Sharkpreneur, Seth Greene interviews Garrett Gunderson, Wealth Liberation Expert and Best-Selling Author, who challenges traditional financial advice and explains why entrepreneurs need a fundamentally different approach to money, investing, and growth. He shares how mindset, cash flow strategy, and investing in yourself can create sustainable wealth and true financial independence. Key Takeaways:→ Scarcity thinking leads entrepreneurs to shrink rather than grow. → Traditional financial advice often conflicts with entrepreneurial success. → Financial independence comes from consistent cash flow, not just from assets. → Investing in skills and capabilities often outperforms traditional investments. → Focus drives growth, whereas diversification protects wealth. Garrett Gunderson helps entrepreneurs build wealth with less stress, without sacrifice, and without being suffocated by spreadsheets that look like they were designed by NASA. Known as “Money Jesus,” Garrett uses humor, storytelling, and practical strategy to make money actually make sense. His Amazon Prime comedy special, The American Ream, proves he can turn even the driest financial concepts into something hilarious and unforgettable while still delivering life-changing insight. He's also a rare advisor who helps entrepreneurs save on taxes and keep way more of what they earn without cutting back. Garrett started his first business at 15 and earned the SBA Young Entrepreneur of the Year award. He later entered the field of finance. He quickly realized the truth: no one teaches entrepreneurs the wealth strategies that actually work. After navigating the 2000 crash with brutal honesty, he devoted his life to studying what the wealthy really do, which led to his signature Rockefeller Method. Today, he helps entrepreneurs achieve financial freedom without sacrificing the life they're building. Connect With Garret:Website: https://garrettgunderson.com/

Ben Tanaka's presentation at the Japan Real Estate Summit, Spring 2026 The autumn session will take place on 17-18th October, 2026 - subscribe & watch this space for the official announcement, early-bird discounted tickets registration, and list of speakers for the next event!

What is one piece of advice you received that is really useful? What about advice that you would rather ignore? On today's episode of The Crushing Debt Podcast, as Graduation 2026 nears closer, Shawn & George talk about financial advice you may have received - good, bad or otherwise - like: Follow your passion Do what you love Take risks while you're young Money will come later You deserve it - put it on a card What advice should you follow?  What should you ignore? Let us know if you enjoy this episode and, if so, please share it with your friends! Or, you can support the show by visiting our Patreon page: https://www.patreon.com/crushingDebt   To contact George Curbelo, you can email him at GCFinancialCoach21@gmail.com or follow his Tiktok channel - https://www.tiktok.com/@curbelofinancialcoach   To contact Shawn Yesner, you can email him at Shawn@Yesnerlaw.com or visit www.YesnerLaw.com.  Although PanCAN 2026 is over, there's still time to donate to the 2026 team, MY Legacy Striders: http://support.pancan.org/goto/MyLegacy2026 

What I wish I knew in my 20s - how to be good with money! Out of college, I had some debt, and even though I was working hard, I got into credit card debt by buying things I didn't need with money I didn't have. By the time my husband & I got married, we both had student loans and credit card debt and cars to pay off! How did we get out of debt? How do you make a budget? How do you use money wisely? Check out this episode to find out what would have helped me in my 20s, so that you can give your best life!Let's connect!Follow me on TikTok @givingyourbestlifeJoin me on YouTubeShop my books hereWith gratitude, Stephanie❤️

Your clients don’t want a portfolio manager. They want someone who’ll catch them when they fall. That’s the truth most advisors are too busy chasing alpha to hear, and it’s exactly why Duncan MacPherson sits down with industry legend Steve Sandusky in this episode. Steve climbs mountains, and he’s spent decades teaching advisors that the most important rope in their practice isn’t tied to the markets. It’s the belay: the quiet discipline of holding the line so your client can keep climbing without fear of the fall. Get that right and you stop selling advice. You become the first call when life cracks open. Duncan and Steve unpack “Return on Life,” the framework reshaping the profession by measuring success not in basis points but in a client’s freedom, time, and meaning. They get into why story and symbolism build trust faster than any performance chart, how celestial navigation can steady clients (and you) when the markets blur, and what it takes to build a practice the AI tsunami can’t touch. Key takeaways: Using story and symbolism to forge trust that compounds Designing a purpose-driven practice that ages well Pricing human judgment in an AI-saturated market Knowing when to lean into technology and when to put it down Finding your North Star when every client is asking, “What now?” If you’re done competing on returns and ready to compete on meaning, this episode is the map. Outthink. Outcare. Outlast. Promotions: Pareto Systems: Turnkey Advisor Membership Pareto Systems Consulting: paretosystems.com/financial-advisor-coaching Connect With Duncan MacPherson: Website: ParetoSystems.com Toll Free: 1.866.593.8020 Learn More: Schedule a Call LinkedIn: Duncan MacPherson Connect With Steve Sanduski: LinkedIn: Steve Sanduski E-mail: ssanduski@belayadvisor.com Website: belayadvisor.com About Our Guest: Steve Sanduski, MBA, CFP® is the Founder and President of Belay Advisor, a financial advisor coaching, consulting, and marketing services company that works with individuals and firms to accelerate growth. For more than 20 years, he's been building businesses and helping professionals become more successful. Prior to founding Belay Advisor, Steve was the Managing Partner of Peak Advisor Alliance, a business coaching and training resources company that grew from 0 to 1,000 coaching clients during his 11 years of managing the company. Earlier in his career, he was a senior leader at an independent broker/dealer and helped build the firm's corporate RIA from $0 to nearly $2 billion in assets under management in a short period of time. An accomplished writer, Steve is a New York Times Bestselling author and the co-author of two books: Tested in the Trenches: A 9-Step Plan for Success as a New-Era Advisor (it has become one of the most sought after practice management books in the industry) Avalanche: The 9 Principles for Uncovering True Wealth (became a New York Times bestseller and a Wall Street Journal #1 bestseller) Steve is also a frequent contributor to the trade press including Investment News. Financial Planning Magazine, and Financial Advisor Magazine. As a professional speaker, Steve has addressed audiences all over the country and he focuses on delivering practical ideas, strategies and tools that attendees can use immediately to reach higher levels of success. He's also the host of several podcasts including Between Now and Success and Barron's Advisor: The Way Forward podcast. On both podcasts, Steve interviews top financial industry leaders as well as other accomplished professional from around the world who have messages that can benefit financial advisors

Burnie and Ashley discuss serving concern, UK vs US POS habits, debit cards, credit cards, and getting the full financial picture.

The SkyBridge Capital founder and short-lived White House communications director says that financial advisors must recognize the growing economic disparity and rise of populism and educate clients about AI and digital assets. Host: Steve Sanduski. Learn more about your ad choices. Visit megaphone.fm/adchoices

Is AI helping your finances… or quietly hurting them?   Tools like ChatGPT, Claude and other AI-driven platforms are exploding in popularity, and for good reason. They're fast, accessible, and incredibly powerful. But when it comes to financial decisions, there's a dangerous gap most people don't see.   Today on Financial Detox, Jason and Alex break down the hidden risks of using AI for investing, tax planning, and portfolio decisions, and why "good advice in theory" can be devastating in real life.   What we cover today:

This podcast episode features James Derrick and financial expert Amy Hansen discussing financial strategies tailored to each decade of life, from your 20s to your 60s and beyond. The conversation stresses the importance of establishing healthy financial habits early and adjusting them as you grow older. Key topics include avoiding excessive debt, deciding whether to buy or rent a home, and the importance of retirement planning. Special focus is also given to understanding the right time to claim Social Security and how to ensure you don't outlive your assets, all while emphasizing the significance of seeking professional financial advice.

The people who love you may have good intentions, but when it comes #financialplanning, it's best to rely on experts like Neal Regino from  @evolutionfinancialgroup  He breaks down common myths and misconceptions that well-meaning people may be perpetuating. We know they're #onlytryingtohelp, but let's be careful when it comes to money, huh?

Is wealth management ready for AI?In this episode of Your AI Injection, Deep Dhillon speaks with Ryan George, Chief of Staff at Docupace, about the structural shifts underway in financial advisory firms. As experienced advisors retire and fewer young professionals enter the field, demand for financial advice continues to rise, creating a widening gap across the industry.Ryan explains how firms are using AI to handle tasks like onboarding, compliance checks, and account processing, areas that have traditionally relied on manual work and paper-based workflows. These systems help reduce errors and improve efficiency while still keeping humans involved in key decisions. The role of the advisor is shifting, with more focus on judgment, communication, and client relationships. As automation becomes more common, how much responsibility can shift to systems before it changes the nature of the work itself? Learn more about Ryan George here: https://www.linkedin.com/in/rageorgeand Docupace here: https://www.docupace.com/ Check out our related episodes: Will AI Take Over Student Advising? The Impact of Bots on College Success with Andrew Magliozzi of MainstayYour Customer Success Team is Drowning, Can AI Be Their Lifeline? with Zachary Hawley of SteercoWill AI Eliminate 90% of QA Jobs? The Future of Testing Automation with Kevin Surace of Appvance.ai

AI isn't just helping us write emails or plan holidays, it's now being used as a financial therapist…More people are turning to chatbots to unpack their money habits, anxieties and spending behaviours, but can AI really help you understand your financial mindset?Journalist Saoirse Hanley put it to the test, and joins Seán to discuss.

Tripp Limehouse discusses critical aspects of retirement planning, including tax strategies, estate planning, and managing market risks. Listeners will learn how to create a comprehensive retirement plan, avoid common pitfalls, and prepare for the largest wealth transfer in history. Visit Limehouse Financial to learn more. Call 800-940-6979See omnystudio.com/listener for privacy information.

AI is becoming a financial "advisor"… but does it know you? Are you using AI for budgets, investing, medical or even legal advice? Should you trust AI with your money? AI can give you answers… but it can't give you accountability." On this week's episide Shawn & George asked AI for Financial Advice:  What AI Gets RIGHT (Be fair and exciting) What AI Gets WRONG (or Dangerous) AI & Investing: Opportunity vs Risk AI & Bankruptcy / Debt Decisions AI & Jobs The Money Impact Everyone Feels How to Actually Use AI the RIGHT Way in finance and debt situations. Let us know if you enjoy this episode and, if so, please share it with your friends! Or, you can support the show by visiting our Patreon page: https://www.patreon.com/crushingDebt   To contact George Curbelo, you can email him at GCFinancialCoach21@gmail.com or follow his Tiktok channel - https://www.tiktok.com/@curbelofinancialcoach   To contact Shawn Yesner, you can email him at Shawn@Yesnerlaw.com or visit www.YesnerLaw.com. If you get this on the day or it's release, there is still time to donate to Pancreatic Cancer research and education by joining Shawn's team at MY Legacy Striders: http://support.pancan.org/goto/MyLegacy2026 

What if the most important factor in choosing a financial advisor isn't performance alone, but alignment? Many people assume the primary role of a financial advisor is to maximize returns. While wise investing certainly matters, new research suggests something deeper may be at work. When financial advice aligns with your values, it doesn't just affect your portfolio—it can reshape how you think about money altogether. That was the focus of today's conversation with Sharon Epps, president of Kingdom Advisors, who shared insights from a new study conducted in partnership with Pinkston Research. What the Research Sought to Discover The study set out to compare the experiences of clients working with values-aligned advisors—specifically Certified Kingdom Advisors® (CKAs)—with those of clients using more traditional advisory relationships. The goal was simple: determine whether shared values actually change the financial planning experience. The findings were compelling. When values line up, the advisor-client relationship becomes more than a transaction. It becomes a trusted partnership. Shared Values Build Trust Faster One of the clearest takeaways from the research was the role that trust plays in how beliefs and priorities are shared. Seventy percent of CKA clients said shared values were the most important factor when choosing an advisor. By contrast, 64% of the general public said investment returns mattered most. That difference is significant. When clients feel understood—not just managed—they often experience what Sharon described as a “trust dividend.” Communication deepens. Confidence grows. Relationships become stronger and more enduring. Does Values Alignment Mean Sacrificing Performance? That's a fair question—and an important one. The answer, according to Epps, is no. Values-based investing has been widely studied, and many strategies have demonstrated competitive long-term performance. The key remains the same as with any sound financial plan: discipline, diversification, and wise decision-making. In other words, it's not a choice between faith and performance. You can pursue both. A More Complete Financial Conversation So what actually feels different when meeting with a Certified Kingdom Advisor®? Sharon explained that the conversation extends beyond numbers on a page. CKAs often ask about: Life goals Family relationships Personal calling Hopes for the future Generosity priorities The research reflected that difference: 87% of CKA clients said they discussed hopes and dreams with their advisor, compared to 47% of general clients. 85% discussed family relationships, compared with 32% of those with general advisors. 88% said their advisor also addressed technical areas such as taxes and debt, compared with 59% of general advisors. That means values-centered planning doesn't replace technical excellence—it expands it. It becomes whole-life planning. From Ownership to Stewardship Perhaps the most meaningful shift happens internally. As people begin viewing money through a biblical lens, they often move from an ownership mindset to a stewardship mindset—the belief that everything we have ultimately belongs to God and has been entrusted to us for His purposes. The study found that 63% of CKA clients reported being motivated by a desire to be faithful stewards. That inward shift often leads to outward action. Nearly half of those clients said they had significantly increased their giving, compared with just 23% of general clients. Jesus said, “Where your treasure is, there your heart will be also” (Matthew 6:21). Our financial decisions don't just reveal our priorities—they also shape them. Choosing an Advisor Who Shares Your Values A financial advisor does more than help manage assets. The right advisor can help you make wise decisions that reflect your deepest convictions. Performance matters. Expertise matters. But alignment matters too. Because when your values and financial guidance move in the same direction, money becomes more than a tool for accumulation—it becomes a means of faithful stewardship. If you'd like to connect with a Certified Kingdom Advisor® in your area, visit FindaCKA.com. On Today's Program, Rob Answers Listener Questions: I'm 72, disabled, and living on Social Security with $37,000 in credit card debt from covering basic expenses. I own my home and car outright, but can't qualify for a HELOC. How can I realistically get out of debt? Our bank says we should keep our HELOC open after the mortgage is paid off to help prevent fraud. Is that wise or unnecessary? My 36-year-old daughter wants to know how much she should keep in an emergency fund—$1,000 or three to nine months of expenses? My wife and I want to make funeral arrangements now. Is a pre-need insurance plan through a funeral home better than setting money aside ourselves? And does our trust naming our son as executor cover this? I bought a home in 2003, rented it for years, moved back in, and sold it this year. Will I owe capital gains tax on the profit? Resources Mentioned: Faithful Steward: FaithFi's Quarterly Magazine (Become a FaithFi Partner) Christian Credit Counselors (CCC) Christian Community Credit Union (CCCU) | AdelFi Your Money Counts: The Biblical Guide to Earning, Spending, Saving, Investing, Giving, and Getting Out of Debt by Howard Dayton Supplemental Nutrition Assistance Program (SNAP) | Low Income Home Energy Assistance Program (LIHEAP) | 211 Medicare Savings Programs | The Medicare Extra Help program (Part D Low-Income Subsidy/LIS) Our Ultimate Treasure: A 21-Day Journey to Faithful Stewardship by Rob West Wisdom Over Wealth: 12 Lessons from Ecclesiastes on Money Look At The Sparrows: A 21-Day Devotional on Financial Fear and Anxiety Rich Toward God: A Study on the Parable of the Rich Fool Find a Certified Kingdom Advisor® (CKA) FaithFi App Remember, you can call in to ask your questions every workday at (800) 525-7000. Faith & Finance is also available on Moody Radio Network and American Family Radio. You can also visit FaithFi.com to connect with our online community and partner with us as we help more people live as faithful stewards of God's resources. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

What if the most important factor in choosing a financial advisor isn’t performance—but alignment? New research shows that when your financial advice aligns with your values, it doesn’t just impact your portfolio—it reshapes how you think about money altogether. On the next Faith & Finance Live, Rob West and Sharon Epps unpack what that means for you. Then, it’s your questions. That’s Faith & Finance Live—where biblical wisdom meets today’s financial decisions—weekdays at 4pm Eastern/3pm Central on Moody Radio. Faith & Finance Live is a listener supported program on Moody Radio. To join our team of supporters, click here.To support the ministry of FaithFi, click here.To learn more about Rob West, click here.To learn more about Faith & Finance Live, click here.See omnystudio.com/listener for privacy information.

Welcome to Dentist Money Two Cents, a look at the latest financial and economic news from the past week.
 On this episode of Dentist Money's Two Cents, Matt and Rabih discuss the surprising surge to all-time highs in the market despite ongoing geopolitical tension and what it reveals about the unpredictability of markets. They also break down how shifting supply chains and geopolitical strategies are impacting different regions. Finally, Matt and Rabih have a reflective conversation on the limits of financial advice: when guidance helps, when experience becomes the real teacher, and how behavior ultimately drives outcomes. Book a free consultation with a CFP® advisor who only works with dentists. Get an objective financial assessment and learn how Dentist Advisors can help you live your rich life.

Annuities promise peace of mind—but often at a steep and poorly understood cost. Don and Tom break down when (rarely) annuities might make sense, why most—including fixed indexed annuities and QLACs—tilt heavily in favor of the insurance company, and how investors can replicate “guaranteed income” with a disciplined portfolio instead. They also take on a listener question about escaping high fees at Edward Jones (spoiler: yes, run) and dismantle a pitch for a Bitcoin-backed “bond alternative,” explaining why high yields usually signal high risk—and why crypto still fails the basic test of having a rational investment purpose.0:11 Questionable motives behind much of today's investing advice0:50 Why annuities appeal—turning savings into a “personal pension”2:09 The illusion of annuity “returns” vs. reality of payouts4:08 Where annuity decisions get complicated—and costly5:21 Why using IRA money for annuities often makes little sense5:50 QLACs explained—and the uncomfortable truth about dying early7:37 The only annuity worth considering: SPIA (and its trade-offs)8:38 QLAC math vs. simple investing—who really wins10:33 The hidden downsides: illiquidity, opacity, and insurer risk11:16 Where (and how) to actually shop for annuities safely14:05 Why indexed annuities dominate—and why that's a red flag15:42 The myth of “market returns without risk”16:45 Building your own income stream without annuities18:47 Listener: escaping high fees at Edward Jones20:09 Simple, low-cost portfolio solutions for a 30-year-old23:08 Listener: Bitcoin-backed “bond replacement” pitch25:11 Why high yields (11%+) scream risk, not safety27:06 The danger of replacing bonds with speculative assets28:59 Final blunt take: crypto as an investment “has no there there”Questions? Comments? Click!

There's no shortage of financial advice available today, and much of it sounds confident, compelling, and even logical. But one of the biggest mistakes CRNAs can make is assuming that widely shared advice automatically applies to your situation. The truth is, personal finance is exactly that: personal. In this episode, Jeremy and Sharon dive into some of the most popular financial advice circulating today, from Robert Kiyosaki's investment strategies to Dave Ramsey's retirement withdrawals. They break down the risks, the myths, and the assumptions that these pundits often overlook and discuss what really works for most people.   Here's some of what you'll hear in this episode:

Listen and subscribe to Money Making Conversations on iHeartRadio, Apple Podcasts, Spotify, www.moneymakingconversations.com/subscribe/ or wherever you listen to podcasts. New Money Making Conversations episodes drop daily. I want to alert you, so you don’t miss out on expert analysis and insider perspectives from my guests who provide tips that can help you uplift the community, improve your financial planning, motivation, or advice on how to be a successful entrepreneur. Keep winning! Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Mujahid Muhammad. Interview Summary Interview with Rushion McDonald – Money Making Conversations Masterclass Interview Purpose The purpose of this interview is to demystify personal finance, redefine wealth‑building, and emphasize the importance of preparation, capitalization, and disciplined planning. Mujahid Muhammad, a personal financial coach and founder of Wealth Coaching Stratosphere, shares a deeply personal journey marked by financial success, failure, rebuilding, and hard‑earned wisdom. Through candid storytelling, the interview reframes wealth not as risky speculation or quick wins, but as a long‑term process grounded in personal financial stability, liquidity, and informed decision‑making. The conversation is designed to help everyday people avoid common financial traps and approach real estate and investing from a position of strength rather than desperation. Major Themes & Key Takeaways 1. Experience Is the Best Teacher Mujahid’s financial philosophy is rooted in lived experience. After building a seven‑figure real estate portfolio early in life, he suffered devastating losses due to Hurricane Katrina and the 2008 housing collapse. These setbacks reshaped his understanding of leverage, risk, and preparation. Key takeaway: Financial success without safeguards can collapse quickly. 2. Leverage Without Liquidity Is Dangerous One of the most powerful lessons Mujahid shares is that being “asset‑rich but cash‑poor” is a vulnerable position. His earlier strategy relied heavily on leverage without sufficient reserves, leaving him exposed when disaster struck. Key takeaway: Liquidity is protection; leverage alone is not wealth. 3. Fix Personal Finance Before Building Businesses Mujahid stresses that many people pursue entrepreneurship or real estate in hopes of fixing personal financial struggles—often with disastrous results. Instead, personal financial stability must come first. Key takeaway: Solve your personal finances before using business to create wealth. 4. Wealth Is a Process, Not a Product The interview reinforces that financial improvement isn’t something you buy—it’s something you build over time. Mujahid emphasizes facing financial reality honestly instead of avoiding uncomfortable truths. Key takeaway: Progress starts by looking at the numbers, not ignoring them. 5. The Five Financial Stratospheres Mujahid introduces his Wealth Coaching Stratosphere model, outlining five levels of financial development: Financial Failure Financial Health Financial Fluency Financial Wealth Financial Independence Each stage represents a mindset and requires different behaviors and priorities. Key takeaway: Knowing your financial “stratosphere” determines your next move. 6. Capitalization Comes Before Real Estate Mujahid advises against entering real estate before reaching financial fluency. While creative financing exists, retaining real estate requires cash flow, reserves, and patience. Key takeaway: You can buy property with little money—but you cannot keep it that way. 7. The Importance of Capital and Opportunity Funds He emphasizes saving, emergency funds, and opportunity funds as prerequisites to investing. Capital allows individuals to recognize and act on opportunities without panic. Key takeaway: Capital creates clarity—and choices. 8. Infinite Banking and Financial Autonomy Mujahid explains the Infinite Banking Concept, which focuses on reclaiming control over the banking function through properly structured life insurance, allowing individuals to access capital without relying on traditional lenders. Key takeaway: Financial independence includes controlling how you access capital. 9. Debt Freedom Is Hard—but Worth It Through personal stories of tackling significant student loan and consumer debt, Mujahid emphasizes that debt freedom requires sacrifice, time, and unity—especially within marriage. Key takeaway: Debt freedom is attainable, but only through commitment and discipline. 10. Coaching Provides Accountability and Perspective Mujahid describes financial coaching as objective guidance from someone who has navigated the journey before. Coaching is positioned as a serious commitment, not casual advice. Key takeaway: Accountability accelerates growth. Notable Quotes “Leverage without liquidity is stupidity.” “We try to use business to solve personal finance problems—and that’s backwards.” “Wealth is a process, not a product.” “You can acquire real estate with no money—but you can’t keep it that way.” “Capitalization changes how you see opportunity.” “If you have a six‑figure income, your problem is usually you.” “Debt freedom is hard—but it’s worth it.” “Preparation puts you in a position of strength.” Overall Message Mujahid Muhammad’s interview is a ground‑truth masterclass in financial realism and discipline. His story strips away hype and reframes wealth creation as a methodical, values‑driven process that begins with personal accountability and preparation. Ultimately, the conversation challenges listeners to shift from chasing opportunity to becoming prepared for opportunity, reinforcing that sustainable wealth is built through patience, liquidity, education, and intentional planning. #SHMS #STRAW #BESTSupport the show: https://www.steveharveyfm.com/See omnystudio.com/listener for privacy information.

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Listen and subscribe to Money Making Conversations on iHeartRadio, Apple Podcasts, Spotify, www.moneymakingconversations.com/subscribe/ or wherever you listen to podcasts. New Money Making Conversations episodes drop daily. I want to alert you, so you don’t miss out on expert analysis and insider perspectives from my guests who provide tips that can help you uplift the community, improve your financial planning, motivation, or advice on how to be a successful entrepreneur. Keep winning! Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Mujahid Muhammad. Interview Summary Interview with Rushion McDonald – Money Making Conversations Masterclass Interview Purpose The purpose of this interview is to demystify personal finance, redefine wealth‑building, and emphasize the importance of preparation, capitalization, and disciplined planning. Mujahid Muhammad, a personal financial coach and founder of Wealth Coaching Stratosphere, shares a deeply personal journey marked by financial success, failure, rebuilding, and hard‑earned wisdom. Through candid storytelling, the interview reframes wealth not as risky speculation or quick wins, but as a long‑term process grounded in personal financial stability, liquidity, and informed decision‑making. The conversation is designed to help everyday people avoid common financial traps and approach real estate and investing from a position of strength rather than desperation. Major Themes & Key Takeaways 1. Experience Is the Best Teacher Mujahid’s financial philosophy is rooted in lived experience. After building a seven‑figure real estate portfolio early in life, he suffered devastating losses due to Hurricane Katrina and the 2008 housing collapse. These setbacks reshaped his understanding of leverage, risk, and preparation. Key takeaway: Financial success without safeguards can collapse quickly. 2. Leverage Without Liquidity Is Dangerous One of the most powerful lessons Mujahid shares is that being “asset‑rich but cash‑poor” is a vulnerable position. His earlier strategy relied heavily on leverage without sufficient reserves, leaving him exposed when disaster struck. Key takeaway: Liquidity is protection; leverage alone is not wealth. 3. Fix Personal Finance Before Building Businesses Mujahid stresses that many people pursue entrepreneurship or real estate in hopes of fixing personal financial struggles—often with disastrous results. Instead, personal financial stability must come first. Key takeaway: Solve your personal finances before using business to create wealth. 4. Wealth Is a Process, Not a Product The interview reinforces that financial improvement isn’t something you buy—it’s something you build over time. Mujahid emphasizes facing financial reality honestly instead of avoiding uncomfortable truths. Key takeaway: Progress starts by looking at the numbers, not ignoring them. 5. The Five Financial Stratospheres Mujahid introduces his Wealth Coaching Stratosphere model, outlining five levels of financial development: Financial Failure Financial Health Financial Fluency Financial Wealth Financial Independence Each stage represents a mindset and requires different behaviors and priorities. Key takeaway: Knowing your financial “stratosphere” determines your next move. 6. Capitalization Comes Before Real Estate Mujahid advises against entering real estate before reaching financial fluency. While creative financing exists, retaining real estate requires cash flow, reserves, and patience. Key takeaway: You can buy property with little money—but you cannot keep it that way. 7. The Importance of Capital and Opportunity Funds He emphasizes saving, emergency funds, and opportunity funds as prerequisites to investing. Capital allows individuals to recognize and act on opportunities without panic. Key takeaway: Capital creates clarity—and choices. 8. Infinite Banking and Financial Autonomy Mujahid explains the Infinite Banking Concept, which focuses on reclaiming control over the banking function through properly structured life insurance, allowing individuals to access capital without relying on traditional lenders. Key takeaway: Financial independence includes controlling how you access capital. 9. Debt Freedom Is Hard—but Worth It Through personal stories of tackling significant student loan and consumer debt, Mujahid emphasizes that debt freedom requires sacrifice, time, and unity—especially within marriage. Key takeaway: Debt freedom is attainable, but only through commitment and discipline. 10. Coaching Provides Accountability and Perspective Mujahid describes financial coaching as objective guidance from someone who has navigated the journey before. Coaching is positioned as a serious commitment, not casual advice. Key takeaway: Accountability accelerates growth. Notable Quotes “Leverage without liquidity is stupidity.” “We try to use business to solve personal finance problems—and that’s backwards.” “Wealth is a process, not a product.” “You can acquire real estate with no money—but you can’t keep it that way.” “Capitalization changes how you see opportunity.” “If you have a six‑figure income, your problem is usually you.” “Debt freedom is hard—but it’s worth it.” “Preparation puts you in a position of strength.” Overall Message Mujahid Muhammad’s interview is a ground‑truth masterclass in financial realism and discipline. His story strips away hype and reframes wealth creation as a methodical, values‑driven process that begins with personal accountability and preparation. Ultimately, the conversation challenges listeners to shift from chasing opportunity to becoming prepared for opportunity, reinforcing that sustainable wealth is built through patience, liquidity, education, and intentional planning. #SHMS #STRAW #BESTSteve Harvey Morning Show Online: http://www.steveharveyfm.com/See omnystudio.com/listener for privacy information.

Listen and subscribe to Money Making Conversations on iHeartRadio, Apple Podcasts, Spotify, www.moneymakingconversations.com/subscribe/ or wherever you listen to podcasts. New Money Making Conversations episodes drop daily. I want to alert you, so you don’t miss out on expert analysis and insider perspectives from my guests who provide tips that can help you uplift the community, improve your financial planning, motivation, or advice on how to be a successful entrepreneur. Keep winning! Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Mujahid Muhammad. Interview Summary Interview with Rushion McDonald – Money Making Conversations Masterclass Interview Purpose The purpose of this interview is to demystify personal finance, redefine wealth‑building, and emphasize the importance of preparation, capitalization, and disciplined planning. Mujahid Muhammad, a personal financial coach and founder of Wealth Coaching Stratosphere, shares a deeply personal journey marked by financial success, failure, rebuilding, and hard‑earned wisdom. Through candid storytelling, the interview reframes wealth not as risky speculation or quick wins, but as a long‑term process grounded in personal financial stability, liquidity, and informed decision‑making. The conversation is designed to help everyday people avoid common financial traps and approach real estate and investing from a position of strength rather than desperation. Major Themes & Key Takeaways 1. Experience Is the Best Teacher Mujahid’s financial philosophy is rooted in lived experience. After building a seven‑figure real estate portfolio early in life, he suffered devastating losses due to Hurricane Katrina and the 2008 housing collapse. These setbacks reshaped his understanding of leverage, risk, and preparation. Key takeaway: Financial success without safeguards can collapse quickly. 2. Leverage Without Liquidity Is Dangerous One of the most powerful lessons Mujahid shares is that being “asset‑rich but cash‑poor” is a vulnerable position. His earlier strategy relied heavily on leverage without sufficient reserves, leaving him exposed when disaster struck. Key takeaway: Liquidity is protection; leverage alone is not wealth. 3. Fix Personal Finance Before Building Businesses Mujahid stresses that many people pursue entrepreneurship or real estate in hopes of fixing personal financial struggles—often with disastrous results. Instead, personal financial stability must come first. Key takeaway: Solve your personal finances before using business to create wealth. 4. Wealth Is a Process, Not a Product The interview reinforces that financial improvement isn’t something you buy—it’s something you build over time. Mujahid emphasizes facing financial reality honestly instead of avoiding uncomfortable truths. Key takeaway: Progress starts by looking at the numbers, not ignoring them. 5. The Five Financial Stratospheres Mujahid introduces his Wealth Coaching Stratosphere model, outlining five levels of financial development: Financial Failure Financial Health Financial Fluency Financial Wealth Financial Independence Each stage represents a mindset and requires different behaviors and priorities. Key takeaway: Knowing your financial “stratosphere” determines your next move. 6. Capitalization Comes Before Real Estate Mujahid advises against entering real estate before reaching financial fluency. While creative financing exists, retaining real estate requires cash flow, reserves, and patience. Key takeaway: You can buy property with little money—but you cannot keep it that way. 7. The Importance of Capital and Opportunity Funds He emphasizes saving, emergency funds, and opportunity funds as prerequisites to investing. Capital allows individuals to recognize and act on opportunities without panic. Key takeaway: Capital creates clarity—and choices. 8. Infinite Banking and Financial Autonomy Mujahid explains the Infinite Banking Concept, which focuses on reclaiming control over the banking function through properly structured life insurance, allowing individuals to access capital without relying on traditional lenders. Key takeaway: Financial independence includes controlling how you access capital. 9. Debt Freedom Is Hard—but Worth It Through personal stories of tackling significant student loan and consumer debt, Mujahid emphasizes that debt freedom requires sacrifice, time, and unity—especially within marriage. Key takeaway: Debt freedom is attainable, but only through commitment and discipline. 10. Coaching Provides Accountability and Perspective Mujahid describes financial coaching as objective guidance from someone who has navigated the journey before. Coaching is positioned as a serious commitment, not casual advice. Key takeaway: Accountability accelerates growth. Notable Quotes “Leverage without liquidity is stupidity.” “We try to use business to solve personal finance problems—and that’s backwards.” “Wealth is a process, not a product.” “You can acquire real estate with no money—but you can’t keep it that way.” “Capitalization changes how you see opportunity.” “If you have a six‑figure income, your problem is usually you.” “Debt freedom is hard—but it’s worth it.” “Preparation puts you in a position of strength.” Overall Message Mujahid Muhammad’s interview is a ground‑truth masterclass in financial realism and discipline. His story strips away hype and reframes wealth creation as a methodical, values‑driven process that begins with personal accountability and preparation. Ultimately, the conversation challenges listeners to shift from chasing opportunity to becoming prepared for opportunity, reinforcing that sustainable wealth is built through patience, liquidity, education, and intentional planning. #SHMS #STRAW #BESTSee omnystudio.com/listener for privacy information.

Why do so many people feel stuck financially, even when they're making money? In this episode, Gino breaks down the core principles you need to understand to stop living paycheck to paycheck. He introduces the concept of “baby money soldiers” as a simple way to visualize how money flows in and out of your life—and why most people struggle to build wealth. By understanding income types, expenses, and financial behavior, you can begin to take control and build a more intentional financial future.   This episode is sponsored by Wheelbarrow Profits Learn more at: https://wheelbarrowprofits.com TIMESTAMPS 00:00 – Introduction 00:55 – Why most people feel stuck financially 02:10 – The real reason you're still broke 03:40 – Understanding income vs. expenses 05:20 – Different types of income explained 07:45 – Where your money is actually going 09:30 – Introduction to “baby money soldiers” 11:10 – How to use the soldiers concept 13:20 – Changing your money habits 15:10 – Final thoughts We're here to help create real estate entrepreneurs... About Jake & Gino: Jake & Gino are multifamily investors, operators, and owners who have created a vertically integrated real estate company. They control over $350M in assets under management. Connect with Jake & Gino here --> https://jakeandgino.com. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

How do you scale a property management business while maintaining service quality and operational efficiency? In this episode of the Jake & Gino Podcast, Gino Barbaro sits down with Mike Steward, Vice President of Real Estate Sales at Real Property Management. With over 18 years of experience across real estate, construction, and property management—and a background as President and COO of a Sotheby's International Realty franchise—Mike shares proven strategies to help operators grow door count, increase market share, and reduce churn. This conversation dives deep into the systems, metrics, and leadership principles required to scale a property management company in today's competitive landscape.   This episode is brought to you by Wheelbarrow Profits Timestamps 00:00 – Intro 01:20 – Meet Mike Steward 04:10 – From Wine Industry to Property Management 08:30 – Lessons from Sotheby's Leadership Experience 13:45 – What Separates High-Growth PM Companies 18:20 – Biggest Mistakes in Scaling Door Count 23:10 – Sales in Property Management vs Traditional Real Estate 28:40 – Understanding Churn & Client Experience 33:50 – The Power of In-House Sales Training 38:15 – Key Metrics That Drive Market Share 43:30 – Scaling Without Losing Service Quality 48:10 – Wealth Optimizer Portfolio Explained 54:20 – Using Data to Drive Growth Decisions 59:10 – Prioritizing Sales vs Operations 01:03:30 – Real Case Study & Results 01:08:40 – Final Advice for Scaling in the Next 12 Months 01:12:00 – Closing Thoughts We're here to help create real estate entrepreneurs... About Jake & Gino: Jake & Gino are multifamily investors, operators, and owners who have created a vertically integrated real estate company. They control over $350M in assets under management. Connect with Jake & Gino here --> https://jakeandgino.com. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.