Podcast appearances and mentions of mike cavaggioni

Send us a textJoin us on Average Joe Finances as our guest Doug Lynam, a former Benedictine monk turned financial advisor and author, shares his unique life story, detailing his upbringing in an affluent family with financial struggles, joining the Marine Corps, and eventually spending 20 years in a monastery where he had to navigate its financial crisis. Through this journey, Doug developed a keen interest in finance, ultimately leading to a successful career as a financial advisor. He discusses his views on effective money management and introduces his latest book 'Taming Your Money Monster,' which combines the Enneagram personality system with financial behavior analysis. In this episode:Discover how understanding your personality can expose hidden financial habits and help tame your "money monsters."Explore why true service and generosity begin with achieving personal financial stability.Unlock the power of aligning earning, saving, investing, and giving for long-term financial success.Understand how financial literacy is rooted in continuous self-awareness and personal growth.And so much more!Key Moments:00:00 Introduction and Guest Welcome00:33 Doug Leham's Early Life and Family Dynamics01:29 Journey to the Marine Corps and Monastery02:14 Financial Awakening and Monastery Bankruptcy04:32 Building a Financial Advisory Firm08:06 The Enneagram and Money Monsters11:27 The Four Pillars of Financial Success13:36 Understanding the Enneagram Types19:21 Transitioning Between Achiever Categories19:48 The Value of a Good Enneagram Test20:48 Understanding Money Relationships22:05 Doug's Journey from Monk to Financial Advisor23:11 The Final Round: Doug's Financial Insights28:26 Doug's Recommended Reads31:14 Where to Find More About Doug32:58 Final Thoughts and FarewellFind Douglas Lynam:https://www.douglynam.com/https://www.instagram.com/douglynam/https://www.linkedin.com/in/doug-lynam/Average Joe Finances®All of our social media links and more: https://averagejoefinances.com/linksAbout Mike: https://mikecavaggioni.comAbout Tawnya: https://www.themoneylifecoach.com/Show Notes add-on continued here: https://averagejoefinances.com/show-notes/*DISCLAIMER* https://averagejoefinances.com/disclaimerSee our full episode transcripts here: https://podcast.averagejoefinances.com/episodesSupport the show

Send us a textJoin us on Average Joe Finances as our guest Kevin Guttman, a seasoned reverse mortgage professional. Kevin shares his journey from managing his father's rental properties at a young age to entering the mortgage industry in 2004. He discusses the evolution of reverse mortgages, highlighting crucial changes made in 2015 to protect homeowners. Kevin explains the advantages of reverse mortgages for retirees, emphasizing the importance of financial education and multiple income streamsIn this episode:Understand how reverse mortgages can provide tax-free income and eliminate monthly payments for retirees.Discover the updated regulations that make reverse mortgages safer and more accessible than ever before.Gain clarity on common misconceptions and why reverse mortgages aren't just a “last resort” option.Explore how leveraging home equity strategically can fund retirement, long-term care, or new investments.And so much more!Key Moments:00:56 Meet Kevin Guttman: Reverse Mortgage Expert01:20 Kevin's Journey into Real Estate02:36 The Power of Real Estate in Building Wealth04:50 Reverse Mortgages: An Overview07:32 Regulations and Changes in Reverse Mortgages11:04 Client Success Stories and Impact14:07 Unlocking Equity and Financial Freedom17:36 Diversifying Income Streams19:05 The Reality of Retirement19:50 Educating the Next Generation21:33 Options for Aging Parents22:57 Understanding Reverse Mortgages24:56 Lessons from Financial Mistakes29:59 Valuable Resources and Recommendations31:20 Final Thoughts and FarewellFind Kevin Guttman:Website: https://heromortgageloan.com/Facebook: https://www.facebook.com/LenderYouCanTrust/Instagram: https://www.instagram.com/kevin.guttmanLinkedIn: https://www.linkedin.com/in/kevinguttman/Youtube: https://www.youtube.com/@KevinGuttmanAverage Joe Finances®All of our social media links and more: https://averagejoefinances.com/linksAbout Mike: https://mikecavaggioni.comAbout Tawnya: https://www.themoneylifecoach.com/Show Notes add-on continued here: https://averagejoefinances.com/show-notes/*DISCLAIMER* https://averagejoefinances.com/disclaimerSee our full episode transcripts here: https://podcast.averagejoefinances.com/episodesSupport the show

Send us a textJoin us on Average Joe Finances as our guest Daniel Kong,  a former software developer turned real estate investor, shares his journey from working 20 years in a W2 job to achieving financial freedom through real estate investing, specifically using the BRRR strategy. He discusses the transition from passive income to active income, the importance of networking, and how to effectively manage and buy back time. Daniel also delves into the importance of taking immediate action on learned knowledge and offers insights into his current focus on active business and construction projects.In this episode:Learn how decisive action and adaptability are key to transforming career paths and achieving financial freedom.Understand the balance between active and passive income to optimize growth and long-term stability.Realize the importance of leveraging time through strategic outsourcing and effective time management.Discover the power of networking and mentorship in unlocking new opportunities and strengthening vision.And so much more!Key Moments:00:56 Guest Introduction: Daniel Kong01:49 Daniel's Journey into Real Estate03:10 First Steps in Real Estate Investing05:21 Building a Real Estate Portfolio06:19 Active vs Passive Income Strategies09:15 Ground-Up Construction Projects10:54 Investor Relations and Fund Management16:05 Balancing Business and Social Media17:46 The Importance of Time in Building Passive Income19:19 Strategies for Buying Back Time20:12 Balancing Business and Personal Life21:30 Outsourcing and Delegating Tasks23:33 Making the Most of Free Time28:51 Final Round: Personal Finance and Business Insights33:27 Closing Thoughts and Final AdviceFind Daniel Kong on:Websites:https://www.sunsetcapitalinvestments.com/https://www.danielkong808.com/Facebook: https://www.facebook.com/danielkong808Instagram: https://www.instagram.com/danielkong808Tiktok: https://www.tiktok.com/@danielkong808Youtube: https://www.youtube.com/@danielkong808Average Joe Finances®All of our social media links and more: https://averagejoefinances.com/linksAbout Mike: https://mikecavaggioni.comAbout Tawnya: https://www.themoneylifecoach.com/Show Notes add-on continued here: https://averagejoefinances.com/show-notes/*DISCLAIMER* https://averagejoefinances.com/disclaimerSee our full episode transcripts here: https://podcast.averagejoefinances.com/episodesSupport the show

Send us a textJoin us on Average Joe Finances as our guest Krista Reuther, the Senior Education Content Manager at TurboTenant, shares her journey into the industry starting as a freelance writer and editor in college, her growth into real estate content creation, and how she assists landlords and renters in saving money through data-driven content. Krista also offers valuable resources available on TurboTenant and highlights influential figures and recommendations in the real estate domain.In this episode:Learn the importance of using data-driven content to educate landlords and tenants.Discover the value of local property management before transitioning to remote investments.Grasp the necessity of thorough tenant screening to ensure successful rental relationships.Understand the legal requirements around fair housing to maintain compliance and avoid pitfalls.And so much more!Key Moments:00:00 Introduction and Welcome00:56 Meet Krista Reuter: Senior Education Content Manager at TurboTenant01:31 Krista's Journey into Real Estate and Freelance Writing03:57 TurboTenant and Empowering Landlords05:37 Tips for New Landlords and Tenant Screening16:47 Navigating Emotional Support Animals and Service Animals23:19 Final Thoughts and Resources29:15 Closing Remarks and Call to ActionFind Krista Reuther on:Website: https://www.turbotenant.com/LinkedIn: https://www.linkedin.com/in/krista-reuther-writer/Spotify: KitcasterAverage Joe Finances®All of our social media links and more: https://averagejoefinances.com/linksAbout Mike: https://mikecavaggioni.comAbout Tawnya: https://www.themoneylifecoach.com/Show Notes add-on continued here: https://averagejoefinances.com/show-notes/*DISCLAIMER* https://averagejoefinances.com/disclaimerSee our full episode transcripts here: https://podcast.averagejoefinances.com/episodesSupport the show

Send us a textJoin us on Average Joe Finance hosts Mike Cavaggioni and Tanya discuss their reflections on 2024 and share their goals and strategies for a successful 2025. They emphasize the importance of being present, setting intentions, and reflecting on achievements and shortcomings to improve for the future. They also touch on planning for potential investments, building liquidity, and considering alternative lifestyles such as becoming an expat. The episode concludes with advice on celebrating wins and being intentional about personal and financial goals.In this episode:Discover the power of mindfulness in achieving financial and personal growth.Understand the value of compound interest in long-term wealth building.Embrace change by exploring new living environments and career paths.Reflect on your goals regularly to stay focused and intentional in your actions.And so much more!Key Moments:00:00:19 Reflecting on 2024: Personal Growth and Challenges00:01:19 Financial Strategies and Investment Insights00:06:27 Exploring Expat Life and International Living00:12:19 Setting Goals and Intentions for 202500:16:09 Balancing Life: Fun, Finances, and Personal Time00:22:20 Closing Thoughts and Future PlansAverage Joe Finances®All of our social media links and more: https://averagejoefinances.com/linksAbout Mike: https://mikecavaggioni.comAbout Tawnya: https://www.themoneylifecoach.com/Show Notes add-on continued here: https://averagejoefinances.com/show-notes/*DISCLAIMER* https://averagejoefinances.com/disclaimerSee our full episode transcripts here: https://podcast.averagejoefinances.com/episodesSupport the show

Send us a textJoin us on Average Joe Finances as our guest Larisa Olteanu from Unshakable Wealth shares her inspiring story of overcoming a tumultuous childhood and severe financial hardships. Arriving in the U.S. with just $20, Larissa details her journey from learning English on the job to earning a finance degree and working with ExxonMobil. She further explains how she transitioned to founding Unshakable Wealth, with a mission to empower others, especially women, in their financial journeys. In this episode:Discover how resilience in adversity builds strength and financial responsibility.Understand how education unlocks opportunities for lasting financial independence.Learn how shifting to a growth mindset transforms challenges into opportunities.Gain insight into empowering others through financial literacy and shared knowledge.And so much more!Key Moments:00:01:13 Introducing Guest: Larisa Olteanu from Unshakable Wealth00:01:35 Larisa's Inspiring Journey00:01:53 Lessons from a Challenging Childhood00:03:41 Navigating Financial Hardships and Early Responsibilities00:06:13 Adapting to a New Life in the U.S.00:08:31 The Importance of Education and Personal Growth00:11:50 Shifting Mindsets: From Victim to Victor00:17:43 Investing in Real Estate and Personal Development00:20:13 Challenging Beliefs About Wealth and Success00:23:32 Transitioning to Unshakable Wealth00:25:47 Balancing Motherhood and MBA00:26:11 Turning Down Job Offers for a Dream00:26:51 Understanding Personal Finance Challenges00:28:32 Empowering Women in Finance00:32:03 Final Round Questions00:33:43 Practical Financial Tips and Mindset00:37:30 Networking and Learning from the Wealthy00:42:11 Recommended Books and Resources00:45:41 Where to Find More Information00:47:21 Closing Remarks and Call to ActionFind Larisa Olteanu on:Website: https://www.shakeablewealth.com LinkedIn: https://www.linkedin.com/in/larisa-olteanu/Average Joe Finances®All of our social media links and more: https://averagejoefinances.com/linksAbout Mike: https://mikecavaggioni.comAbout Tawnya: https://www.themoneylifecoach.com/Show Notes add-on continued here: https://averagejoefinances.com/show-notes/*DISCLAIMER* https://averagejoefinances.com/disclaimerSee our full episode transcripts here: https://podcast.averagejoefinances.com/episodesSupport the show

Send us a textJoin us on Average Joe Finances as our guest Dr. Kimberly Harms shares her compelling life story, involving personal challenges, the loss of her child and husband, and how these experiences shaped her career and mission in life. She talks about the significance of being financially and emotionally prepared, and how to create a legacy that ensures your loved ones are taken care of after you are gone. In this episode:Learn to embrace resilience by transforming personal trials into opportunities for purpose and growth.Discover the importance of legacy planning that balances emotional preparation with practical organization.Understand the value of confronting mortality to create a meaningful legacy of love and foresight.Grasp the healing power of reconciliation in resolving conflicts and easing the grieving process.And so much more!Key Moments:00:03:02 Meet Dr. Kimberly Harms00:03:22 Dr. Harms' Life Story00:05:15 Overcoming Personal Tragedies00:06:39 Legacy and Resilience00:14:08 Financial Planning and Downsizing00:18:21 Importance of Legacy Planning00:22:41 Facing Death and Procrastination00:25:29 Overcoming Procrastination in Estate Planning00:25:59 The Intimidation of the Word 'Estate'00:27:06 The Importance of Planning While Healthy00:27:51 Steps to Effective Estate Planning00:28:48 Emotional Affairs and Reconciliation00:32:50 Lessons from Rwanda on Forgiveness00:34:17 Biggest Financial Mistakes and Scams00:35:59 Downsizing and Letting Go of Stuff00:39:32 Tips for Getting Started with Estate Planning00:41:51 The Power of Trust and GivingFind Dr. Kimberly Harms on:Website: https://www.drkimberlyharms.com/LinkedIn: https://www.linkedin.com/in/kim-harms-bb524666/Average Joe Finances®All of our social media links and more: https://averagejoefinances.com/linksAbout Mike: https://mikecavaggioni.comAbout Tawnya: https://www.themoneylifecoach.com/Show Notes add-on continued here: https://averagejoefinances.com/show-notes/*DISCLAIMER* https://averagejoefinances.com/disclaimerSee our full episode transcripts here: https://podcast.averagejoefinances.com/episodesSupport the show

Send us a textJoin us on Average Joe Finances as our guest Christian Osgood, the owner of Multifamily Strategy, shares his journey from saving for financial freedom to acquiring over 200 rental units. He emphasizes the importance of setting clear goals, the value of building relationships in the real estate industry, and the significance of focusing on one niche area to build a successful business.In this episode:Learn how creative financing can unlock opportunities without relying on traditional savings.Discover the importance of setting clear financial goals to accelerate growth.Understand the value of sustainable strategies like cash flow and long-term debt in real estate.Master the art of relationship-building to access seller-financed deals and unique opportunities.Realize the importance of staying focused on core goals to avoid costly distractions.Embrace the balance of profitability and social impact through community-focused investments.Key Moments:00:01:20 Christian Osgood's Journey Begins00:02:16 Setting Goals and Overcoming Challenges00:03:39 Meeting Cody Davis and Learning Seller Financing00:05:36 Scaling Up and Principles of Real Estate Investment00:08:39 Creative Financing and Building Relationships00:15:49 Mindset Shift and Goal Setting00:21:57 Future Goals and Coaching Insights00:24:20 Setting Ambitious Goals00:25:00 Passion for Low-Income Housing00:26:53 Challenges and Successes in Real Estate00:29:52 The Importance of Focus in Business00:32:55 Lessons from Financial Mistakes00:41:31 Advice for Aspiring Investors00:43:04 Recommended Books and Resources00:46:37 Where to Find More Information00:48:13 Conclusion and Final ThoughtsFind Christian Osgood on:Website: Multifamilystrategy.comLinkedIn: https://www.linkedin.com/in/christian-osgood-10a95b71/Facebook: https://www.facebook.com/christian.osgoodInstagram: https://www.instagram.com/christianosgood/Youtube: https://www.youtube.com/@MultifamilystrategyAverage Joe Finances®All of our social media links and more: https://averagejoefinances.com/linksAbout Mike: https://mikecavaggioni.comAbout Tawnya: https://www.themoneylifecoach.com/Show Notes add-on continued here: https://averagejoefinances.com/show-notes/*DISCLAIMER* https://averagejoefinances.com/disclaimerSee our full episode transcripts here: https://podcast.averagejoefinances.com/episodesSupport the show

Send us a textJoin us on Average Joe Finances as our guest Roy Snarr, a successful financial services entrepreneur, shares his compelling life story, detailing his challenging journey from a middle-class background to building a thriving financial services agency specializing in asset protection, life insurance, annuities, and long-term care. Gain insights into his strategies for succeeding in business, overcoming adversity, and maintaining work-life balance.In this episode:Learning the value of hard work and resilience reveals that true success requires dedication and perseverance.Discovering the power of strategic time management shows how disciplined time use boosts productivity and creates new opportunities.Understanding the role of adaptability in business growth demonstrates the importance of embracing change to thrive in any environment.Grasping the necessity of persistence in entrepreneurship emphasizes that building a business requires time, patience, and ongoing effort.Exploring the impact of mindset on overcoming challenges highlights the role of resilience in managing setbacks with a positive outlook.Key Moments:00:00:58 Meet Roy Snarr: From Humble Beginnings to Financial Services00:03:28 The Turning Point: A Life-Altering Accident00:05:01 Discovering Financial Services and Early Struggles00:07:20 Achieving Success: The First $100K and Beyond00:21:54 Balancing Success and Personal Life00:23:52 Delegation and Overcoming Entrepreneurial Challenges00:24:54 Taking Risks and Building Confidence00:27:06 Adapting to the COVID-19 Pandemic00:31:41 Lessons Learned and Financial Tips00:33:55 The Final Round: Key Questions and InsightsFind Roy Snarr on:Website: www.RoySnarr.comLinkedIn: https://www.linkedin.com/in/roythomassnarr/Facebook: https://www.facebook.com/roysnarrretirementsolutionsX: https://twitter.com/roytsnarrAverage Joe Finances®All of our social media links and more: https://averagejoefinances.com/linksAbout Mike: https://mikecavaggioni.comAbout Tawnya: https://www.themoneylifecoach.com/Show Notes add-on continued here: https://averagejoefinances.com/show-notes/*DISCLAIMER* https://averagejoefinances.com/disclaimerSee our full episode transcripts here: https://podcast.averagejoefinances.com/episodesSupport the show

Send us a textJoin us on Average Joe Finances as our guest Cathi Nelson, the founder of a photo organizing company, shares insights about how she built her business from scratch, helping people manage their digital and analog photo collections. She discusses the growing need for photo organizing services, the importance of community and training for small business success, and the potential of turning this into a lucrative side hustle or full-time career. In this episode:Find out how Cathi's organization supports a global network of photo organizers, helping individuals turn memory preservation into a thriving business.Understand how advanced tech tools, like AI for facial recognition, are revolutionizing photo management and making organizing easier than ever.See how photo management has become a profitable field, offering flexible business models and support for aspiring entrepreneurs.Learn how Cathi's dedication to storytelling has created a rewarding field, inviting others to explore careers centered around preserving cherished memories.And so much more!Key Moments:00:01:08 The Photo Managers: An Overview00:02:30 Starting the Photo Management Industry00:04:29 Challenges and Solutions in Photo Management00:06:37 The Business Side of Photo Management00:13:24 Community and Support for Photo Managers00:14:59 Personal Journey and Business Growth00:19:35 Meeting a New Member00:20:01 Understanding Customer Needs00:20:18 Exploring Business Opportunities00:20:40 Family Memorabilia Project00:21:04 Technology and Photo Management00:21:37 AI in Photo Management00:22:26 Organizing Photos and Videos00:23:11 Residential Organizing Conference00:24:21 Biggest Business Mistake00:26:46 Hiring Help and Avoiding Burnout00:28:15 Starting a Photo Management Business00:29:32 Favorite Business Resources00:31:02 Final Thoughts and AdviceFind Cathi Nelson on:Website: https://thephotomanagers.com/LinkedIn: https://www.linkedin.com/in/cathinelson/Instagram: https://www.instagram.com/thephotomanagersofficial/?hl=enYoutube: https://www.youtube.com/@thephotomanagersFacebook: https://www.facebook.com/thephotomanagersAverage Joe Finances®All of our social media links and more: https://averagejoefinances.com/linksAbout Mike: https://mikecavaggioni.comAbout Tawnya: https://www.themoneylifecoach.com/Show Notes add-on continued here: https://averagejoefinances.com/show-notes/*DISCLAIMER* https://averagejoefinances.com/disclaimerSee our full episode transcripts here: https://podcast.averagejoefinances.com/episodesSupport the show

Send us a textJoin us on Average Joe Finances as our guest Mark Miller, the CEO of Hilton Tax and Wealth Advisors, discusses his career and collaboration with the Hilton family, highlighting the importance of advanced tax mitigation strategies that can significantly reduce tax liabilities and enhance wealth for business owners and high-income earners. He also shared the proprietary techniques used by the Hilton Financial Network, methods for optimizing tax brackets in high-tax areas, and debunk common tax myths.In this episode:Discover the power of tax planning to cut costs and boost your wealth potential.Learn smart, non-traditional strategies to reduce taxes without relocating.Experience the value of expertise to shift from conventional advice to wealth-maximizing solutions.Unlock wealth-building insights that balance safety with growth for lasting success.And so much more!Key Moments:00:02:07 Meet Mark Miller: CEO of Hilton Tax and Wealth Advisors00:02:24 Mark Miller's Journey and Expertise00:06:20 Advanced Tax Mitigation Strategies00:06:38 The Importance of a Formalized Tax Plan00:07:27 Proprietary Strategies for Tax Savings00:08:28 Client Success Stories and Minimum Requirements00:09:01 Beyond Basic Deductions: Deep Dive into Tax Codes00:09:50 Home Office and Accountable Spending Plans00:10:18 Tax Mitigation for W-2 Employees00:10:58 Living in High-Tax States: Strategies to Save00:11:43 The Legal and Ethical Side of Tax Mitigation00:12:25 The Role of Legislatures in Tax Codes00:12:52 Achieving Zero Tax Bracket: Real Examples00:14:34 Fee Structure and Client Proposals00:15:36 Hilton Wealth: Investing Like an American Dynasty00:16:57 Mark Miller's Personal Motivation and Background00:23:16 The Role of CPAs and Red Flags to Watch For00:25:18 The Importance of Trust in Financial Relationships00:26:03 Understanding the Role of CPAs and Financial Advisors00:27:57 Success Stories: Transforming Financial Futures00:30:12 Addressing Common Fears in Personal Finance00:32:53 Lessons Learned from Financial Mistakes00:35:30 The Value of Conservative Investment Strategies00:41:28 Getting Started with Financial Planning00:44:00 Final Thoughts and Words of WisdomFind Mark Miller on:Website: http://hiltonwealth.comLinkedIn: https://www.linkedin.com/in/markmiller-hiltonfo/Facebook:https://www.facebook.com/HiltonWealthYouTube: https://www.youtube.com/@hiltontaxwealthadvisors6590Average Joe Finances®All of our social media links and more: https://averagejoefinances.com/linksAbout Mike: https://mikecavaggioni.comAbout Tawnya: https://www.themoneylifecoach.com/Show Notes add-on continued here: https://averagejoefinances.com/show-notes/*DISCLAIMER* https://averagejoefinances.com/disclaimerSee our full episode transcripts here: https://podcast.averagejoefinances.com/episodesSupport the show

Send us a textJoin us on Average Joe Finances as our guest Herman Dulce Jr., the founder of Bella Sloan Enterprises, shares his remarkable journey from a social worker to a renowned financial literacy advocate. Herman also discusses leveraging credit to make impactful financial decisions, including house hacking and buying his first property. The conversation covers credit repair, business funding, and strategic relationships in real estate investments.In this episode:Discover how leveraging credit can be a powerful tool for building wealth, not just for consumer spending but for acquiring assets like real estate that generate long-term income.Learn about the importance of early banking relationships and establishing credit with diverse financial institutions to expand business funding opportunities.Explore how house hacking, or investing in multifamily properties, can help you transition from renter to homeowner while creating cash flow.Understand the significance of surrounding yourself with successful and failed mentors to learn valuable lessons from both achievements and mistakes.And so much more!Key Moments:00:03:19 Herman Dolce Jr.'s Background and Journey00:05:51 Financial Literacy and Early Lessons00:09:51 Real Estate and House Hacking Strategies00:11:40 Building Credit and Business Funding00:14:00 Navigating Today's Real Estate Market00:18:40 Advice for Aspiring Investors00:22:04 Real Estate Investment Strategies00:24:31 The Power of Good Credit00:25:12 Building Relationships with Banks00:26:25 Credit Optimization Tips00:29:12 Business Loans and Credit Cards00:31:53 Final Round: Personal Insights00:37:26 Closing Thoughts and ResourcesFind Herman Dolce Jr. on:Website: bellasloanenterprises.com Instagram: http://www.instagram.com/haitian_ceo Youtube: https://www.youtube.com/c/BellaSloanEnterprises Email: info@bellasloanenterprises.com Average Joe Finances®All of our social media links and more: https://averagejoefinances.com/linksAbout Mike: https://mikecavaggioni.comAbout Tawnya: https://www.themoneylifecoach.com/Show Notes add-on continued here: https://averagejoefinances.com/show-notes/*DISCLAIMER* https://averagejoefinances.com/disclaimerSee our full episode transcripts here: https://podcast.averagejoefinances.com/episodesSupport the show

Send us a textJoin us on Average Joe Finances as our guest Adam Goldman, a seasoned franchise consultant, shares his journey from business school into the world of franchising, revealing insights into the potential and misconceptions surrounding franchises. With over 14 years in the industry, Adam discusses his role in helping aspiring entrepreneurs find the right franchise fit, akin to being the 'Match.com of franchising.' In this episode:Explore the diverse world of franchising beyond the common myths and misconceptions.Uncover how tailored franchise opportunities can align with individual strengths and goals.Understand the growing role of women in franchising and the empowerment it offers.Gain insights into Adam's long-term vision of financial freedom through multiple income streams.And so much more!Key Moments:00:00:19 Adam Goldman's Entrepreneurial Journey00:01:54 Diving into Franchising00:03:21 Misconceptions and Realities of Franchising00:05:27 Financial Considerations in Franchising00:09:21 Real Estate Ventures and Insights00:10:42 Creating Entrepreneurs and Personal Motivations00:15:07 Future Goals and Personal Reflections00:19:01 Final Round: Lessons and Advice00:24:48 Conclusion and FarewellFind Adam Goldman on:Website: https://www.franchisecoach.net/LinkedIn: https://www.linkedin.com/in/adamgoldmanfranchise/Facebook: https://www.facebook.com/leadingfranchiseconsultant/Instagram: https://www.instagram.com/franchisecoach_adam/Youtube: https://www.youtube.com/channel/UCRQCtHcOPenRfQ_0IlMY08QAverage Joe Finances®All of our social media links and more: https://averagejoefinances.com/linksAbout Mike: https://mikecavaggioni.comAbout Tawnya: https://www.themoneylifecoach.com/Show Notes add-on continued here: https://averagejoefinances.com/show-notes/*DISCLAIMER* https://averagejoefinances.com/disclaimerSee our full episode transcripts here: https://podcast.averagejoefinances.com/episodesInvestor's Deep DiveInvestment Insights You've Never HeardListen on: Apple Podcasts SpotifySupport the show

Send us a textJoin us on Average Joe Finances as our guest David Pere, a former Marine Corps veteran turned successful real estate investor and entrepreneur shares his journey from making typical financial decisions as a service member to achieving financial freedom and helping others do the same. He discusses the significance of community and networking, particularly through the mastermind he founded for like-minded veteransIn this episode:Discover the significance of community and mentorship for success, particularly through mastermind groups like "The War Room" that offer accountability and support.Understand the true meaning of financial freedom, which isn't about never working, but having the power to choose meaningful projects.Explore the challenges and misconceptions around financial success, and the effort it takes to build wealth.Gain practical advice on investing in education, building networks, and taking actionable steps towards financial goals.And so much more!Key Moments:00:02:14 David Pere's Journey: From Marine Corps to Financial Freedom00:03:58 The Power of Real Estate and Masterminds00:05:50 Challenges and Rewards of Financial Independence00:07:34 The Importance of Community and Mentorship00:13:18 Overcoming Misconceptions and Putting in the Work00:22:17 Introduction to Financial Coaching00:22:59 Fast-Track Your Financial Success00:23:19 Podcast and Social Media Management00:23:55 Back to the Episode: Business Insights00:26:16 Real Estate Market Trends and Predictions00:28:52 The Car Market and Investment Strategies00:32:11 Final Round: Lessons and Advice00:40:10 Connecting and Networking00:42:17 Final Thoughts and FarewellFind David Pere on:Website: https://www.frommilitarytomillionaire.com/Youtube: https://www.youtube.com/channel/UCQElNqStWjEBDFNVnXkh1ngInstagram: https://www.instagram.com/frommilitarytomillionaireLinkedIn: https://www.linkedin.com/in/david-pere/Average Joe Finances®All of our social media links and more: https://averagejoefinances.com/linksAbout Mike: https://mikecavaggioni.comAbout Tawnya: https://www.themoneylifecoach.com/Show Notes add-on continued here: https://averagejoefinances.com/show-notes/*DISCLAIMER* https://averagejoefinances.com/disclaimerSee our full episode transcripts here: https://podcast.averagejoefinances.com/episodesInvestor's Deep DiveInvestment Insights You've Never HeardListen on: Apple Podcasts SpotifySupport the show

Send us a textJoin us on Average Joe Finances as our guest Regina McCann Hess, a certified divorce financial analyst and author of 'Superwoman Wealth: How to Become Your Own Financial Hero', shares her journey from being a critical care nurse to a financial advisor, inspired by an early interest in the stock market.In this episode:Discover the value of financial literacy, especially during pivotal moments like divorce.Familiarize yourself with the complexities of asset division in divorce and how professionals help clients navigate these challenges, ensuring fair financial outcomes and long-term security.Learn how avoiding high-interest debt and prioritizing investments, such as retirement plans and Roth IRAs, can improve your financial health.Understand the importance of continuous financial education and seeking guidance from mentors or coaches. And so much more!Key Moments:00:03:28 Introducing Regina McCann Hess00:03:58 Regina's Journey from Nursing to Finance00:06:56 The Role of a Certified Divorce Financial Analyst00:09:14 Regina's Personal Motivation00:11:24 Empowering Women Through Financial Literacy00:16:11 Financial Challenges and Solutions for Women00:22:06 Understanding the Bucket Theory00:22:44 Meet Tanya, the Money Life Coach00:23:42 Introducing Edit Pods00:24:22 Navigating Financial Conversations in Relationships00:26:02 The Importance of Prenups00:31:37 Final Round: Tough Financial Questions00:35:33 Regina's Financial Advice and Resources00:40:05 Closing Thoughts and FarewellsFind Regina McCann Hess on:Websites:https://reginamccannhess.com/https://www.forgewealth.com/LinkedIn: https://www.linkedin.com/in/reginamccannhess/Facebook: https://www.facebook.com/ForgeWealth/Instagram: https://www.instagram.com/forgewealthmanagement/Youtube: https://www.youtube.com/channel/UCgN_tcH1RrtHitajN-mlBIgAverage Joe Finances®All of our social media links and more: https://averagejoefinances.com/linksAbout Mike: https://mikecavaggioni.comAbout Tawnya: https://www.themoneylifecoach.com/Show Notes add-on continued here: https://averagejoefinances.com/show-notes/*DISCLAIMER* https://averagejoefinances.com/disclaimerSee our full episode transcripts here: https://podcast.averagejoefinances.com/episodesSupport the show

Send us a textJoin us on Average Joe Finances as our guest Freddie Rappina, a retired police officer turned wealth advisor, discusses his journey from Long Island to Virginia and now Florida, and shares insights into wealth building strategies. He emphasizes the difference between 'checkers' and 'chess' approaches to personal finance, the importance of having an evidence-based mindset, leveraging debt for wealth creation, understanding compound interest limitations, and the critical role of taxes and a robust financial team in achieving financial success.In this episode:Discover the importance of transitioning from basic financial strategies ("checkers") to more advanced tactics ("chess") in wealth management.Understand how leveraging debt can be a powerful tool, but only when used judiciously.Learn the significance of tailoring investment strategies to individual needs. Grasp the concept of building a reliable team to support your financial journey. And so much more!Key Moments:00:03:42 Meet Freddie Rapina: From Police Officer to Wealth Advisor00:08:04 The Checkers vs. Chess Analogy in Finance00:12:56 Leveraging Debt for Wealth Building00:16:36 Real Estate Investment Strategies00:20:27 Personal Decision: Home Ownership vs. Investment00:21:32 Leverage and Risk in Real Estate00:23:24 Preparing for Market Opportunities00:25:52 Effective Marketing Strategies00:27:38 Starting in Real Estate Investing00:31:26 Checkers vs. Chess: Investment Strategies00:33:54 Final Round: Lessons and Tips00:34:55 Building Wealth Through Taxes00:39:56 Closing Thoughts and ResourcesFind Freddie Rappina on:Websites: https://freddierappina.com/https://playingthewealthgame.com/https://www.optafinancial.com/LinkedIn: https://www.linkedin.com/in/freddie-rappina/Average Joe Finances®All of our social media links and more: https://averagejoefinances.com/linksAbout Mike: https://mikecavaggioni.comAbout Tawnya: https://www.themoneylifecoach.com/Show Notes add-on continued here: https://averagejoefinances.com/show-notes/*DISCLAIMER* https://averagejoefinances.com/disclaimerSee our full episode transcripts here: https://podcast.averagejoefinances.com/episodesSupport the show

Join us on Average Joe Finances as our guest Weston Zimmerman, the co-founder and CEO of SynkedUp, a landscaping business management software - shares his journey from a teen working for a landscaping company in Pennsylvania to becoming the CEO of an award-winning software company. He discusses the challenges contractors face in managing operations and finances and how SynkedUp helps solve these problems with its comprehensive software solution. In this episode:Discover the importance of creating efficient systems for business management, to ensure accurate cost estimation and resource management for sustained profitability.Understand the shift in mindset required to transition from employee to business owner, and how focusing on adding value to the company can drive personal and professional growth.Gain insight into the significance of cash flow managementExplore how effective leadership, communication, and fostering a team-oriented culture can lead to a more innovative and problem-solving workforce, key to long-term business success.And so much more!Key Moments:00:02:42 Weston's Journey into Landscaping00:03:49 The Birth of SyncedUp00:05:44 Challenges and Growth of SyncedUp00:12:42 Understanding the Profit Triangle00:15:52 Real-Time Job Costing and Feedback00:18:35 Weston's Entrepreneurial Journey00:22:45 Personal Journey into Financial Coaching00:24:06 Early Career and Financial Realizations00:25:02 Pivotal Advice from a CEO00:26:17 Adding Value and Growing Income00:27:30 Leadership and Problem-Solving Mindset00:30:41 Biggest Financial Mistake00:32:24 Learning and Growth in Business00:36:51 Recommended Books and Resources00:41:13 Final Thoughts and Words of Wisdom00:44:10 Closing Remarks and Podcast OutroFind Weston Zimmerman on:Website: www.synkedup.comFacebook: www.facebook.com/synkedup/Instagram: https://www.instagram.com/synkedup/LinkedIn: www.linkedin.com/in/weston-zimmerman-900523122/Average Joe Finances®All of our social media links and more: https://averagejoefinances.com/linksAbout Mike: https://mikecavaggioni.comAbout Tawnya: https://www.themoneylifecoach.com/Show Notes add-on continued here: https://averagejoefinances.com/show-notes/*DISCLAIMER* https://averagejoefinances.com/disclaimerSee our full episode transcripts here: https://podcast.averagejoefinances.com/episodesSupport the show

Join us on Average Joe Finances as our guest Chad Olivier shares his extensive experience and knowledge in financial planning since 1996. Chad discusses his journey from selling tax-free bonds to founding the Olivier Group in 2002, where he now specializes in individual investments and certified exit planning for small business owners.In this episode:Grasp the significance of evolving from a specialized financial service, like selling tax-free bonds, to establishing a comprehensive financial planning firm.Recognize the critical role of exit planning as an essential component of a business owner's financial strategy, ensuring maximum value extraction.Comprehend the importance of maintaining a business as a separate entity from personal finances to create a sellable asset.Realize the necessity of prudent debt management and the delicate balance between scaling and stabilizing a business.And so much more!Key Moments:00:01:07 Meet Chad Olivier: Financial Planning Expert00:02:41 Chad's Journey into Financial Services00:03:23 The Niche of Exit Planning00:06:55 Building a Successful Financial Firm00:11:17 Mentorship and Continuous Learning00:16:00 Challenges and Advice for Business Owners00:20:15 The Evolution of Financial Planning00:22:19 The Role of AI in Wealth Management00:24:14 The Importance of Expert Advice00:25:59 Building a Legacy: Strategies for Business Owners00:28:08 The Challenges of Running a Business00:30:03 Final Round: Lessons and Tips00:36:14 Recommended Books and Podcasts00:38:10 Closing Remarks and Contact InformationFind Chad Olivier on:Website: www.oliviergroup.comFacebook: www.facebook.com/theoliviergroup/X: https://x.com/TheOlivierGroupLinkedIn: www.linkedin.com/in/chad-olivier-70b29621/Average Joe Finances®All of our social media links and more: https://averagejoefinances.com/linksAbout Mike: https://mikecavaggioni.comAbout Tawnya: https://www.themoneylifecoach.com/Show Notes add-on continued here: https://averagejoefinances.com/show-notes/*DISCLAIMER* https://averagejoefinances.com/disclaimerSee our full episode transcripts here: https://podcast.averagejoefinances.com/episodesSupport the Show.

Join us on Average Joe Finances as our guest David Delisle, discuss the importance of financial literacy for both kids and adults, focusing on David's journey as a 'finance nerd' from a young age and his passion for teaching financial education through his children's book, a graphic novel. He also shares the significance of understanding personal finance from early stages, the concept of 'awesome stuff' which helps identify what truly brings joy, and shifting from a scarcity mindset to an abundance mindset.In this episode:Recognize the importance of teaching kids to align their financial choices with their values.Learn how to encourage parents to break this cycle by discussing money openly with their children and helping them identify what genuinely brings them joy.Embrace the 'Awesome Stuff' Philosophy where this approach centers on helping both kids and adults identify their "awesome stuff"—the things that truly make them happy.Understand the connection between giving and feeling financially abundant. By practicing generosity, individuals can shift their mindset from scarcity to abundance, fostering a healthier relationship with money.And so much more!Key Moments:00:03:36 Introducing David Delisle00:04:41 David's Background and Passion for Financial Literacy00:06:34 The Importance of Financial Literacy for Kids00:12:18 Living a Rich Life and Mindset Shifts00:20:49 Quality Time and Financial Decisions00:24:11 From Budgeting to an Abundance Mindset00:24:36 Shifting Mindsets: From Scarcity to Abundance00:26:14 The Power of Giving: Financial and Emotional Benefits00:28:07 Teaching Kids About Value and Joy00:35:10 Final Round: Financial Mistakes and Lessons00:42:43 David's Book and Final ThoughtsFind David Delisle on:Website: www.thefinancialphysician.comFacebook: https://www.facebook.com/financialphysicianAverage Joe Finances®All of our social media links and more: https://averagejoefinances.com/linksAbout Mike: https://mikecavaggioni.comAbout Tawnya: https://www.themoneylifecoach.com/Show Notes add-on continued here: https://averagejoefinances.com/show-notes/*DISCLAIMER* https://averagejoefinances.com/disclaimerSee our full episode transcripts here: https://podcast.averagejoefinances.com/episodesSupport the Show.

Join us on Average Joe Finance hosts Mike Cavaggioni and Tanya discuss recent events, focusing on the overdramatized stock market crash in early August, investment strategies for market dips, the evolving real estate market and its challenges, and the importance of mindful financial planning. The conversation also touches on practical financial advice such as adhering to budget percentages and the necessity of having financial mentors or advisors.In this episode:Learn about the importance of understanding that market dips are often temporary and can present buying opportunities rather than reasons to panic.Discover the power of long-term investment strategies, even when short-term market movements cause concern.Understand the complexities of the current real estate market, including rising interest rates and insurance costs, and offers advice on how to navigate these challenges.Explore the importance of financial prudence, particularly ensuring that housing expenses don't exceed 30% of income, regardless of whether you're renting or buying.And so much more!Key Moments:00:00 Introduction and Episode Overview00:42 Discussing the Stock Market Crash03:58 Real Estate Market Insights08:00 Financial Advice and Personal Experiences14:38 The Importance of Financial Planning24:46 Conclusion and Final ThoughtsAverage Joe Finances®All of our social media links and more: https://averagejoefinances.com/linksAbout Mike: https://mikecavaggioni.comAbout Tawnya: https://www.themoneylifecoach.com/Show Notes add-on continued here: https://averagejoefinances.com/show-notes/*DISCLAIMER* https://averagejoefinances.com/disclaimerSee our full episode transcripts here: https://podcast.averagejoefinances.com/episodesSupport the Show.

Join us on Average Joe Finances as our guest Lou Scatigna, a seasoned financial advisor, author, and radio show host, shares his extensive experience in financial planning, discussing the importance of financial literacy, budgeting, and prudent investing. He highlights the parallels between health and financial habits, the impact of car and housing expenses on financial well-being, and explains the potential dangers of hyperinflation.In this episode:Recognize the critical nature of establishing an emergency fund. Saving three to six months' worth of living expenses to safeguard against unexpected financial crises.Embrace Living Below Your Means. Advocate for a lifestyle where you spend less than you earn.Appreciate the Power of Budgeting. A spending plan is crucial for maintaining control over personal finances.Comprehend the Impact of Inflation and Debt, which could lead to economic challenges such as hyperinflation. Investing in hard assets like real estate and precious metals is a good option as protection against these risks.And so much more!Key Moments:00:00:00 Post-Interview Reflections00:03:20 Meet Lou Scatigna00:04:09 Lou's Financial Philosophy00:05:37 The Dangers of Debt00:09:10 Car Buying Mistakes00:11:11 Housing and Financial Responsibility00:18:45 Retirement Challenges00:21:25 Inflation and Economic Concerns00:26:40 Personal Investment Strategies00:27:23 Impact of Washington on Finances00:28:08 Precious Metals as a Hedge Against Inflation00:29:49 The Value of Silver00:32:47 Hyperinflation and Its Consequences00:36:17 Lessons Learned in Finance00:39:40 The Importance of Financial Education00:41:52 Getting Started in Finance00:44:49 Recommended Financial Resources00:46:35 Closing Remarks and Contact InformationFind Lou Scatigna on:Website: www.thefinancialphysician.comFacebook: https://www.facebook.com/financialphysicianAverage Joe Finances®All of our social media links and more: https://averagejoefinances.com/linksAbout Mike: https://mikecavaggioni.comAbout Tawnya: https://www.themoneylifecoach.com/Show Notes add-on continued here: https://averagejoefinances.com/show-notes/*DISCLAIMER* https://averagejoefinances.com/disclaimerSee our full episode transcripts here: https://podcast.averagejoefinances.com/episodesSupport the Show.

Join us on Average Joe Finances as our guest Jason VanDevere shares about his journey from working in a family car dealership to starting his own successful e-commerce business, 'Goal Crazy,' which includes a specialized planner and coaching programs.In this episode:Discover the power of pursuing your passion even when it means stepping away from a secure career path.Understand the Importance of comprehensive goal setting, offering tools to help you assess your life, set meaningful goals, and break them down into daily actions.Recognize the need for strategic financial stability as it underscores the significance of building a stable financial foundation before diving into entrepreneurship.Grasp the essence of work-life balance by aligning your business goals with your life aspirations to ensure that your work contributes to your overall well-being.And so much more!Key Moments:00:01:02 Meet Jason Vanderveer00:01:38 Jason's Entrepreneurial Journey00:03:07 The Birth of Goal Crazy Planners00:06:16 Challenges and Success in E-commerce00:12:38 The Importance of Goal Setting00:21:23 Real Estate Ventures00:27:12 Balancing Entrepreneurship and Family Life00:28:01 Defining Your Ideal Lifestyle00:28:14 Using Business as a Vehicle for Dreams00:29:16 The Journey and Obstacles00:29:52 Balancing Work and Life00:31:29 Daily Dreaming and Vision Boards00:33:23 Finding Fulfillment Beyond Success00:38:26 The Final Round: Lessons and Tips00:48:01 Connecting with Jason VanderveerFind Jason VanDevere on:Website: https://goalcrazyplanners.com/Instagram: https://www.instagram.com/goal.crazy/LinkedIn: http://linkedin.com/in/jasonvandevereAverage Joe Finances®All of our social media links and more: https://averagejoefinances.com/linksAbout Mike: https://mikecavaggioni.comAbout Tawnya: https://www.themoneylifecoach.com/Show Notes add-on continued here: https://averagejoefinances.com/show-notes/*DISCLAIMER* https://averagejoefinances.com/disclaimerSee our full episode transcripts here: https://podcast.averagejoefinances.com/episodesSupport the Show.

Join us on Average Joe Finances as our guest Ted Thomas, a seasoned expert in tax defaulted properties and tax lien certificates, shares his journey from being an airline pilot to becoming a successful real estate investor, and how he stumbled upon the lucrative market of tax defaulted properties and tax lien certificates.In this episode:Understand Tax lien certificates as an investment opportunity where you pay the overdue property taxes and earn interest on your investment. If the property owner doesn't redeem the certificate, you could acquire the property free of liens.Get to know how economic downturns, like a recession, can affect investments and the importance of adapting strategies in response to market changes.Learn why it's crucial to educate yourself thoroughly  and understand the investment process to avoid costly mistake before diving into tax lien certificates and tax defaulted propertiesKnow the effective strategies for success in tax lien certificates and defaulted properties such as setting a budget, knowing your exit strategy, and avoiding emotional bidding (auction fever).And so much more!Key Moments:00:00:52 Ted Thomas' Background and Career Journey00:01:36 Transition to Real Estate and Early Success00:02:19 Facing Recession and Learning About Foreclosures00:03:06 Discovering Tax Defaulted Properties00:04:06 Educating the Audience on Tax Defaulted Properties00:08:43 Navigating Auctions and Real Estate Strategies00:13:57 Importance of Education and Avoiding Mistakes00:19:17 Success Stories and Client Testimonials00:23:38 Profitable Property Auctions00:24:23 Understanding Redeemable Deeds00:25:07 Navigating State-Specific Auction Rules00:25:56 The Importance of Learning the Business00:26:11 Success Stories and Strategies00:27:46 Tax Lien Certificates Explained00:30:21 Investing with the Government00:34:10 Final Round: Ted's Insights and Advice00:40:44 How to Learn More and Get Started00:43:52 Closing Thoughts and AppreciationTed invites you to join his comprehensive six-hour class. Use the code "JOE50" for a discount on this invaluable learning experience. This class is the perfect starting point to learn from one of the industry's best. Visit www.tedthomas.com for more details and to sign up.Find Ted Thomas on:Website: https://tedthomas.com/Youtube: https://www.youtube.com/@Ted-ThomasTiktok: http://www.tiktok.com/@taxsalesexpertFacebook: https://www.facebook.com/TaxAuctionTedInstagram: https://www.instagram.com/taxlienauthorityAverage Joe Finances®All of our social media links and more: https://averagejoefinances.com/linksAbout Mike: https://mikecavaggioni.comAbout Tawnya: https://www.themoneylifecoach.com/Show Notes add-on continued here: https://averagejoefinances.com/show-notes/*DISCLAIMER* https://averagejoefinances.com/disclaimerSee our full episode transcripts here: https://podcast.averagejoefinances.com/episodesAll Business. No Boundaries. The DHL Supply Chain Podcast Welcome to All Business. No Boundaries, a collection of supply chain stories by DHL...Listen on: Apple Podcasts SpotifySupport the Show.

Join us on Average Joe Finances as our guest Brent Kesler shares his journey from being a chiropractor to becoming a financial educator who helps people build, keep, and create wealth through the Infinite Banking Concept. Brent shares his personal success story of paying off nearly a million dollars in debt and emphasizes the importance of taking action, having the right mindset, and utilizing mentors.In this episode:Discover how Infinite Banking uses a specially designed whole life insurance policy to create and build wealth by borrowing against the policy while earning interest.Learn about Brent Kessler's transition from a chiropractor to a financial expert who used Infinite Banking to pay off nearly a million dollars in debt in 39 months and founded The Money Multiplier.Understand how Infinite Banking can fund personal purchases, real estate investments, and business ventures. Hear real-life success stories of individuals who used Infinite Banking to pay off debts, fund education, and achieve financial freedom.And so much more!Key Moments:00:01:51 Brent's Journey to Financial Freedom00:02:53 Discovering the Infinite Banking Concept00:04:32 Implementing the Concept and Paying Off Debt00:06:01 Teaching and Spreading the Concept00:10:57 Infinite Banking in Real Estate00:12:00 How Infinite Banking Works00:20:21 Real-Life Examples and Success Stories00:26:41 Understanding Self-Borrowing for Purchases00:28:01 Success Stories and Client Experiences00:29:01 The Importance of Paying Yourself First00:36:10 Final Round: Personal Insights and Advice00:47:06 Resources and Closing RemarksFind Brent Kesler on:Website: www.themoneymultiplier.comInstagram: www.instagram.com/the.money.multiplier/Youtube: www.youtube.com/@the.money.multiplierAverage Joe Finances®All of our social media links and more: https://averagejoefinances.com/linksAbout Mike: https://mikecavaggioni.comAbout Tawnya: https://www.themoneylifecoach.com/Show Notes add-on continued here: https://averagejoefinances.com/show-notes/*DISCLAIMER* https://averagejoefinances.com/disclaimerSee our full episode transcripts here: https://podcast.averagejoefinances.com/episodesSupport the Show.

In this episode of the Goal Crazy podcast, Jason sits down with Mike Cavaggioni, a retired Navy officer turned realtor, financial coach, and podcaster. Mike shares his journey from paying off $70,000 in debt to investing in real estate and building multiple income streams. He discusses his four pillars for success in any endeavor: education, mentorship/coaching, networking, and taking action. Mike also dives into the importance of investing in yourself, both financially and through personal development. He offers practical advice for those looking to start a side hustle or create additional income sources, emphasizing the value of pursuing passions and leveraging existing skills. Whether you're interested in real estate investing, podcasting, or general financial independence, Mike's insights provide a roadmap for getting started and staying motivated on your journey to financial freedom. Find Mike on: Website - https://mikecavaggioni.com/ Podcast - Average Joe Finances on Spotify: https://open.spotify.com/show/3wFVrcHTfadfXLn0LVeRry

Join us on Average Joe Finances as our guest Nicole Truszkowski shares her extensive experience in real estate, particularly in the luxury market. With over 30 years in the industry, Nicole delves into her transition from sports medicine to real estate, her methods for breaking into high-end markets, and her strategies for maintaining a thriving business. She also discusses her involvement in high-profile transactions, including sales for celebrities like Brad Pitt, and shares valuable tips for aspiring real estate agents.In this episode:Nicole emphasizes building relationships within elite social circles and providing high-touch service and expert knowledge to succeed in high-end real estate.Nicole shares her diverse background in sports medicine, business administration, and club management, highlighting how these experiences equipped her with valuable skills for marketing and luxury service in real estate.Discover the importance of understanding and adapting to local market nuances, using a calculated approach to study competition and align strategies when moving to a new, affluent market.Learn practical advice on financial management, stressing the importance of living within one's means and smartly investing earnings to navigate market fluctuations and ensure business growth.And so much more!Key Moments:00:01:13 Guest Introduction: Nicole Truskowski00:01:50 Nicole's Early Career and Transition to Real Estate00:04:18 Building a Real Estate Career in Sacramento00:06:10 Transition to Carmel and High-End Real Estate00:08:21 Challenges and Strategies in High-End Real Estate00:12:54 Working with Elite Clients00:17:10 The Realities of High-End Real Estate Transactions00:22:37 Selling America's Sweetheart's Home00:23:59 Transitioning to Real Estate Development00:25:07 Building a High-End Development Team00:26:58 Challenges in Real Estate Development00:27:42 Diversification and Financial Strategies00:29:56 Long-Term Vision and Team Building00:30:42 Financial Wisdom and Investment StrategiesFind Nicole Truszkowski on:Website: https://truszkowskifreedman.com/Facebook: https://www.facebook.com/nicole.truszkowski/Instagram: https://www.instagram.com/nicole_truszkowski/LinkedIn: https://www.linkedin.com/in/nicoletruszkowski/Average Joe Finances®All of our social media links and more: https://averagejoefinances.com/linksAbout Mike: https://mikecavaggioni.comAbout Tawnya: https://www.themoneylifecoach.com/Show Notes add-on continued here: https://averagejoefinances.com/show-notes/*DISCLAIMER* https://averagejoefinances.com/disclaimerSee our full episode transcripts here: https://podcast.averagejoefinances.com/episodesSupport the Show.

Join us on Average Joe Finances as our guest Lisa Schader discusses her background and journey towards financial independence, emphasizing the importance of financial education, especially for women. She explores strategies for investing, budgeting, and empowering individuals to take control of their financial future. Lisa also highlights her approach to making financial topics engaging and accessible through her social media platforms and challengesIn this episode:Explore the importance of building a supportive financial community, emphasizing a mindset of abundance and shared success over competition.Learn the value of living below your means and prioritizing investing during the first ten years of your career, a strategy that helped Lisa and her husband achieve a million-dollar net worth before their forties.Empower women through financial knowledge, highlighting its necessity for preparing for unforeseen circumstances and ensuring long-term security.Address common financial myths and missteps, such as cash hoarding, and promote leveraging financial technology and robo-advisors for accessible investment management.And so much more!Key Moments:00:01:37 Special Guest: Lisa Shader from Money Fit Moms00:03:31 Lisa's Background and Financial Journey00:05:04 The Basics of Financial Independence00:09:28 The Power of Early Investing00:16:04 Empowering Women in Finance00:22:12 Financial Confidence for Women00:23:33 The Importance of Financial Awareness00:26:51 Money Fit Challenge: Step-by-Step Guide00:30:53 Navigating Financial Conversations in Relationships00:35:13 Investing Tips and Mistakes to AvoidFind Lisa Schader on:Website: https://moneyfitmoms.com/Instagram: https://www.instagram.com/moneyfitmomsTwitter: https://twitter.com/moneyfitmomsLinkedIn: https://www.linkedin.com/in/lisa-schader/Threads: https://www.threads.net/@moneyfitmomsAverage Joe Finances®All of our social media links and more: https://averagejoefinances.com/linksAbout Mike: https://mikecavaggioni.comAbout Tawnya: https://www.themoneylifecoach.com/Show Notes add-on continued here: https://averagejoefinances.com/show-notes/*DISCLAIMER* https://averagejoefinances.com/disclaimerSee our full episode transcripts here: https://podcast.averagejoefinances.com/episodesSupport the Show.

In today's ever-changing financial landscape, there are few constants, but one universal truth remains: the importance of planning for retirement. Join us on Average Joe Finances as our guest Derek Mazzarell shares his journey from graduating in 2007 and working with Aflac to becoming a financial advisor at Gateway Financial Partners. The discussion covers important retirement planning misconceptions, the significance of not just aiming for a 'magic number' but ensuring long-term sustainability, and common financial mistakes like not diversifying tax buckets. In this episode:Derek Mazzarella emphasizes adopting a dynamic spending strategy over the static 4% withdrawal rule to better adjust spending based on market performance.The importance of diversification is highlighted, recommending a balanced approach across various assets to mitigate risks.Planning for unexpected expenses like home repairs or healthcare emergencies is discussed as crucial to a robust retirement plan.Derek advises younger investors to automate savings into different accounts and set up a "reverse budget" for steady financial growth.And so much more!Key Moments:00:01:36 Meet Derek Mazzarella00:01:52 Derek's Financial Journey00:03:19 Common Retirement Misconceptions00:08:08 Planning for Unexpected Expenses00:10:10 Diversifying Retirement Portfolios00:15:02 The FIRE Movement and Personal Finance00:24:01 Balancing Life and Finances00:26:26 Investment Strategies and Mortgage Tips00:29:01 Changes in Personal Finance Post-COVID00:31:51 Final Round: Personal Insights and Advice37:57 Derek's Book and Social Security DiscussionFind Derek Mazzarella on:Website: http://mygfpartner.comLinkedIn Page: https://www.linkedin.com/in/derekmazzarellaFacebook: https://www.facebook.com/MazzarellaFinancialYouTube: https://www.youtube.com/channel/UCECWcetQoE_07hoxKCaLZBg/Average Joe Finances®All of our social media links and more: https://averagejoefinances.com/linksAbout Mike: https://mikecavaggioni.comAbout Tawnya: https://www.themoneylifecoach.com/Show Notes add-on continued here: https://averagejoefinances.com/show-notes/*DISCLAIMER* https://averagejoefinances.com/disclaimerSee our full episode transcripts here: https://podcast.averagejoefinances.com/episodesAll Business. No Boundaries. The DHL Supply Chain Podcast Welcome to All Business. No Boundaries, a collection of supply chain stories by DHL...Listen on: Apple Podcasts SpotifySupport the Show.

Join us on Average Joe Finances as our guest Greg Rubin shares his journey from starting as a prop trader in 2007, through the financial crisis, and eventually running a capital allocation program at Axi Select. He discusses the evolution of trading, risk management, and trade psychology, emphasizing the need for proper risk management to succeed in trading.In this episode:Understand trade psychology, emphasizing successful trading is about probabilities, not timing.Learn risk management and trade psychology for avoiding costly mistakes and fast-tracked learning.Requisite balance between AI capabilities and human element in AI-driven businesses.Axi Select's tiered system for profit sharing, incentivizing traders to climb ranks for higher funding access.And so much more!Key Moments:00:01:00 Interview with Greg Rubin: AxiSelect Overview00:02:17 Greg Rubin's Background and Career Journey00:04:50 AxiSelect's Unique Trading Model00:07:13 Benefits of AxiSelect for Traders00:12:38 Risk Management and Quarantine Process00:14:27 Adapting to Market Trends and AI in Trading00:18:20 Understanding the Trading Program Structure00:19:34 Dashboard and Performance Metrics00:20:45 Healthy Competition and Community Interaction00:21:09 Requirements to Access the Trading Room00:22:08 Trading is a Marathon, Not a Sprint00:23:01 Final Round: Personal Insights and LessonsFind Greg Rubin on:Website: www.axi.comLinkedIn: www.linkedin.com/in/greg-rubin-9b85321b/?originalSubdomain=auFacebook: www.facebook.com/axi/?_rdc=1&_rdrInstagram: www.instagram.com/axi_official/Twitter: www.twitter.com/axi_officialYoutube: www.youtube.com/AxiOfficialChannelAverage Joe Finances®All of our social media links and more: https://averagejoefinances.com/linksAbout Mike: https://mikecavaggioni.comAbout Tawnya: https://www.themoneylifecoach.com/Show Notes add-on continued here: https://averagejoefinances.com/show-notes/*DISCLAIMER* https://averagejoefinances.com/disclaimerSee our full episode transcripts here: https://podcast.averagejoefinances.com/episodesLife Money & More A Podcast About Life, and Money. Hosted by Youtuber, and Real Estate Agent Sage WeissListen on: Apple Podcasts SpotifySupport the Show.

Join us on Average Joe Finances as our guest Gregory Mohr shares his journey from humble beginnings to becoming a real estate and land development expert. He discusses the impact of high interest rates on the current housing market, strategies for new investors, and the importance of continuous learning. In this episode:Minnesota's suitability for property development due to the presence of large firms and employment stability.Minimizing debt and exploring strategies to afford homes, like cohabitating or purchasing duplexes.Meticulousness and patience before entering the property market and executing detailed risk assessments.The increasing number of new residential developments and the pros of selecting new houses over pre-existing ones.And so much more!Key Moments:00:03:03 Dale Wills' Background and Journey00:04:20 Real Estate Strategies and Insights00:09:15 Challenges and Opportunities in Real Estate00:14:56 Single Family vs. Multifamily Investments00:16:18 Navigating the Current Real Estate Market00:21:49 Regional Real Estate Market Focus00:23:38 Understanding Investment Margins00:24:15 The Complexity of IRR00:25:00 Investment Opportunities and Strategies00:28:14 Alternative Investment Options00:33:07 Lessons from Financial Mistakes00:35:17 The Importance of Continuous Learning00:36:46 Advice for New Real Estate InvestorsFind Dale Wills on:Websites: https://centracapitalpartners.com/https://www.centrahomes.com/LinkedIn: https://www.linkedin.com/in/dalerwills/Average Joe Finances®All of our social media links and more: https://averagejoefinances.com/linksAbout Mike: https://mikecavaggioni.comAbout Tawnya: https://www.themoneylifecoach.com/Show Notes add-on continued here: https://averagejoefinances.com/show-notes/*DISCLAIMER* https://averagejoefinances.com/disclaimerSee our full episode transcripts here: https://podcast.averagejoefinances.com/episodesDavid C Barnett Small Business and Deal Making M&A SMBI discuss buying, selling, financing and managing small and medium sized businesses...Listen on: Apple Podcasts Spotify FranchiseU!FranchiseU! is for those in, or considering, careers within the world of franchising. Listen on: Apple Podcasts SpotifySupport the Show.

Join us on Average Joe Finances as our guest Gregory Mohr shares his personal journey from a high school paper route to becoming a franchise consultant, offers insights on how to get started in franchising, financing options, and the importance of being coachable. He also discusses the benefits of franchises in recession-proof industries and the significance of understanding sales to succeed in entrepreneurship.In this episode:Greg underscores the importance of using past triumphs and experiences in the franchising sphere.Greg's book and concept showcase franchising as an avenue to entrepreneurial freedom and success.Discuss the cost distinction between brick and mortar franchises and service industry franchises. Learn the potential use of franchises to boost pre-existing businesses or initiatives is examined. And so much more!Key Moments:00:04:27 Gregory Mohr's Journey into Franchising00:05:17 The Path to Entrepreneurship and Franchising00:14:37 Understanding the Costs and Benefits of Franchising00:16:44 Real-Life Success Stories in Franchising00:20:12 Financing Your Franchise: Options and Advice00:21:50 Evaluating Franchise Opportunities and Risks00:23:42 Franchise Disclosure and Validation00:23:59 Real Estate Marketing Solutions00:25:02 Podcast and Social Media Services00:25:42 Franchise Research and Success Stories00:26:08 Top Franchises to Consider00:28:07 Recession-Proof Franchise Opportunities00:30:09 Franchise Ownership and Consulting00:37:48 Final Round: Financial Mistakes and LessonsFind Gregory Mohr on on:Website: www.franchisemaven.comLinkedIn: https://www.linkedin.com/in/gregorykmohr/Instagram: https://www.instagram.com/franchisemaven/?hl=enTwitter: https://twitter.com/Franchise_MavenFacebook: https://www.facebook.com/FranchiseMaven/Average Joe Finances®All of our social media links and more: https://averagejoefinances.com/linksAbout Mike: https://mikecavaggioni.comShow Notes add-on continued here: https://averagejoefinances.com/show-notes/*DISCLAIMER* https://averagejoefinances.com/disclaimerSee our full eDavid C Barnett Small Business and Deal Making M&A SMBI discuss buying, selling, financing and managing small and medium sized businesses...Listen on: Apple Podcasts Spotify FranchiseU!FranchiseU! is for those in, or considering, careers within the world of franchising. Listen on: Apple Podcasts SpotifySupport the Show.

Join us on Average Joe Finances as our guest Luke Van Der Veer shares insights about his innovative business model of website rentals. From a corporate HR job to creating financial freedom through website leasing, he shares his methods for generating leads and securing clients, and gives some tips for finding success in entrepreneurial ventures. Luke also shares insights on the importance of coaching and investing in oneself, and how he balances his work and personal life while continuously exploring new business opportunities.The episode is packed with actionable advice and inspiring stories for anyone looking to break free from the traditional 9-to-5 grind.What you'll learn in this episode:Exploring unconventional ways to earn like renting websites, promoting the importance of thinking outside the traditional job framework.Significance of personal freedom to pursue one's interests, reframing the concept of work and lifestyle.The value of having coaches or mentors, stressing the efficiency they bring in achieving personal and business goals.Importance of investing in knowledge and skills instead of material possessions, a crucial aspect of financial growth.And so much more!Key Moments:00:00:57 Recap of Luke Vanderveer Interview00:01:55 Introduction to Website Rentals00:05:11 Luke Vanderveer's Background00:06:40 The Journey to Financial Freedom00:09:54 Building a Website Rental Business00:12:10 Lead Generation and Business Model00:14:21 Scaling the Business and Income Potential00:19:32 Scaling the Business00:19:54 Outsourcing and Automation00:20:45 Coaching and Delegation00:21:28 Life After Leaving the Job00:23:07 Finding Purpose and Coaching Others00:23:52 Balancing Work and FreedomFind Luke Van Der Veer on:Website: https://lukevanderveer.com/LinkedIn: https://www.linkedin.com/in/lukevanderveer/Average Joe Finances®All of our social media links and more: https://averagejoefinances.com/linksAbout Mike: https://mikecavaggioni.comAbout Tawnya: https://www.themoneylifecoach.com/Show Notes add-on continued here: https://averagejoefinances.com/show-notes/*DISCLAIMER* https://averagejoefinances.com/disclaimerSee our full episode transcripts here: https://podcast.averagejoefinances.com/episodesMake More with Matt HeslinExplore strategies to thrive financially, build legacy, and enhance life experiences.Listen on: Apple Podcasts SpotifySupport the Show.

Join us on Average Joe Finances as our guest Will Nutting, shared his philosophy of questioning consensus, his approach to connecting the real world with the financial world through his twice-weekly writings, and his own experiences managing a personal fund. He also emphasizes the importance of thinking independently, understanding geopolitical influences on market trends, and the need for diversification in investment. What you'll learn in this episode:Potential struggles of the Western capitalist system, shedding light on alternate financial systems like gold and digital assets.The importance of gaining hands-on experience and learning financial concepts through analogies and metaphors.Potential societal instability taking root from societal values, debt, the entitlement and indulgence of certain groups.Diversification as a safety net in investments, discouraging dependence on a single sector or theme's performance.And so much more!Key Moments:00:26 Meet Will Nutting: A Maverick in Finance00:32 Challenging Financial Consensus01:47 From Soldier to Financial Commentator05:19 Crafting the Nut Stuff Portfolio12:18 Navigating Geopolitical Waters: Investing Amidst Global Events17:11 The Future of Investing: Opportunities and Challenges22:19 Protecting Investments in a Volatile World24:18 Long-Term Investment Strategies and Generational Perspectives25:06 Creating a Personalized Investment Portfolio26:42 Incorporating Geopolitics and Emerging Technologies into Investment Decisions27:21 The Real World Meets Financial World28:39 The Ultimate Safety Net in Investing33:57 Investment Insights and the Importance of Being InquisitiveFind Will Nutting on:Website: https://www.nutstuff.co.uk/LinkedIn: https://uk.linkedin.com/in/will-nutting-030a0415Average Joe Finances®All of our social media links and more: https://averagejoefinances.com/linksAbout Mike: https://mikecavaggioni.comAbout Tawnya: https://www.themoneylifecoach.com/Show Notes add-on continued here: https://averagejoefinances.com/show-notes/*DISCLAIMER* https://averagejoefinances.com/disclaimerSee our full episode transcripts here: https://podcast.averagejoefinances.com/episodesDavid C Barnett Small Business and Deal Making M&A SMBI discuss buying, selling, financing and managing small and medium sized businesses...Listen on: Apple Podcasts SpotifySupport the Show.

Join us on Average Joe Finances as we welcome our new co-host, Tawnya Schultz! She shares her journey from being trapped in a financially dependent relationship to becoming a financial coach, known as The Money Life Coach. She also discusses her approach to budgeting, the psychological aspects of finance, and her aspirations to educate and empower, especially women, on financial matters. What you'll learn in this episode:The significance of fostering positive relationships, which can enhance engagement and create a welcoming atmosphere for listeners.The transformative power of financial education and empowerment.The necessity of taking tangible steps towards financial goals, emphasizing the importance of implementation alongside learning.Encouraging accountability and proactive decision-making underscores the role of personal responsibility in managing finances effectively.And so much more!Key Moments:00:31 Tawnya's Journey: From Guest to Co-Host00:01:05 The Money Life Coach: Tawnya's Personal Finance Journey00:03:23 Finding the Perfect Co-Host: The Selection Process00:05:00 Empowering Women in Finance: A New Perspective00:06:39 The Holistic Approach to Personal Finance00:09:59 Emotions and Money: Understanding the Connection00:19:45 Taking Action: The Key to Financial Success00:22:49 The Future of the Average Joe Finances Podcast with TawnyaFind Tawnya Schultz on:Website: https://www.themoneylifecoach.com/LinkedIn: https://www.linkedin.com/in/tawnyaschultz/Facebook: https://www.facebook.com/themoneylifecoach1/Instagram: https://www.instagram.com/tawnyaschultz/Youtube: https://www.youtube.com/TahoeSnowboardMagAverage Joe Finances®All of our social media links and more: https://averagejoefinances.com/linksAbout Mike: https://mikecavaggioni.comAbout Tawnya: https://www.themoneylifecoach.com/Show Notes add-on continued here: https://averagejoefinances.com/show-notes/*DISCLAIMER* https://averagejoefinances.com/disclaimerSee our full episode transcripts here: https://podcast.averagejoefinances.com/episodesSupport the Show.

In the investment world, versatility is key. To thrive, one must be able to adjust to varying market situations seamlessly, adapting strategies to secure the best possible outcomes. Join us on Average Joe Finances as our guest Erik Smolinski shares his investment strategies to include commercial real estate and active trading in the stock market, ultimately achieving his goal of becoming a millionaire before 30.In this episode:Understanding how small investments can grow significantly over time empowered him to start his investing journey early.Explore various avenues, including commercial real estate and options trading, recognizing the unique opportunities each offered.The importance of starting small and staying consistent in investing. The importance of continuous learning and adaptation in the ever-evolving world of finance.And so much more!Key Moments:03:02 Erik's Journey into Investing05:38 Erik's Diverse Investment Strategies06:19 Realization and Shift in Perspective07:19 Approach to Trading and Investing16:14 Experience with Commercial Real Estate17:46 Approach to Stock Market Trading22:34 The Importance of Trends in Trading22:56 The Beauty of Ignorance in Trading23:44 The Role of Artifact Knowledge in Decision Making23:59 The KISS Method in Trading24:24 How to Start Investing Like Erik25:03 The Reality of Trading and the Importance of Paper Trading26:40 The Role of Discipline and Consistency in Trading27:02 The Importance of Understanding Risk27:24 The Disconnect Between Input and Output in Trading27:47 The Importance of Training and Discipline in Trading29:55 The Role of Mindset in Trading32:48 The Importance of Consistency and Discipline in Success33:49 The Role of Stoicism in Finance38:40 The Importance of Starting and Staying ConsistentFind Erik Smolinski on:Website: https://esinvest.com/Facebook: https://www.facebook.com/esinvestsLinkedIn: https://www.linkedin.com/in/esmolinskiYoutube: https://www.youtube.com/esinvestsInstagram: https://www.instagram.com/esinvestsTwitter: https://www.twitter.com/esinvestsAverage Joe Finances®All of our social media links and more: https://averagejoefinances.com/linksAbout Mike: https://mikecavaggioni.comShow Notes add-on continued here: https://averagejoefinances.com/show-notes/*DISCLAIMER* https://averagejoefinances.com/disclaimerSee our full episode transcripts here: https://Top Software Engineers from Eastern Europe | IT Staff Augmentation | Money Back GuarantyBoost your tech team with top IT talent, risk-free hiring, 10% off with code ECHO PODCAST. Durand on DemandSharing stories from the world's industry titans, or giants as we call them, helping...Listen on: Apple Podcasts SpotifySupport the show

As the financial world rapidly evolves, having an innovative and grounded perspective is essential. This is something an entrepreneurship and finance guru emphasizes. Let's discuss the importance of behavioral finance in highlighting common mistakes investors make and some critical wisdom to help individuals manage their investments effectively.Join us on Average Joe Finances as our guest Elliot Kallen shares valuable insights about behavioral finance, discussing the importance of being tactical and strategic in investing and trust's role in financial advisor-client relationships. In this episode:Learn how to efficiently invest to give you the highest probability of achieving your retirement objective with the lowest possible risk.Avoid common financial pitfalls like adopting a groupthink approach or investing with emotion.Create the right mindset to achieve financial freedom.Learn why trust is a big issue with financial planners and what Elliot does to ensure clients feel comfortable and secure.And so much more!Key Moments:00:01:17 Understanding Behavioral Finance00:02:27 Investment Strategies and Mistakes00:08:03 The Role of Trust in Finance00:09:23 Overcoming Fear in Investment00:11:44 Investment Opportunities and Risks00:19:37 The Importance of Strategic Thinking in Investment00:22:09 Investing in the Stock Market: Current State and Predictions00:22:25 Understanding the Market: Bullish vs Bearish Perspectives00:22:43 Investment Opportunities in Times of Economic Malaise00:23:26 Investing in the Defense Industry: A Tactical Approach00:24:27 Investing in Technology: The Future of AI and Cybersecurity26:40 Lessons Learned: Mistakes and Successes in Business and FinanceFind Elliot Kallen on:Website: https://prosperityfinancialgroup.com/Facebook: https://www.facebook.com/ProsperityFinancialGroupInc/LinkedIn: https://www.linkedin.com/company/prosperity-financial-group/ Youtube: https://www.youtube.com/channel/UCynH32iE0vZHwczDLmluCNw Instagram: https://www.instagram.com/prosperityfinancialgroup/Podcast: https://podcasts.apple.com/us/podcast/getting-real-elliot-kallen-prosperity-financial-group/id1106735103?i=1000511926838 Average Joe Finances®All of our social media links and more: https://averagejoefinances.com/linksAbout Mike: https://mikecavaggioni.comShow Notes add-on continued here: https://averagejoefinances.com/show-notes/*DISCLAIMER* https://averagejoefinances.com/disclaimerSee our full episode transcripts here: https://podcast.averagejoefinances.com/episodesSupport the show

Investing in multifamily properties is a preferred choice due to its benefits, including increased cash flow and property value appreciation. But what if you look at multifamily investment as not just a real estate venture but a business opportunity? Get ready to explore this mindset!Join us on Average Joe Finances as our guest Vlad Arakcheyev shares his journey to becoming a real estate agent and his gradual transition into multifamily investments and turning it into a functionally operational business.In this episode:Emphasize the importance of building a robust team when venturing into multifamily investment.Continuously learn and stay updated on industry trends and changes to make informed investment decisions.Understand that significant results in multifamily investment may take time to materialize.Recognize that multifamily property investment requires a nuanced understanding of business operations within the real estate sector.And so much more!Key Moments:00:01:17 Vlad's Journey into Real Estate00:01:33 Transitioning from Graphic Design to Real Estate00:02:20 Exploring Different Real Estate Strategies00:02:48 Challenges of Balancing a Job and Real Estate00:03:11 Taking the Leap into Full-Time Real Estate00:03:16 Experiencing the Ups and Downs of Single-Family Rentals00:04:05 Discovering the Potential of Multifamily Real Estate00:04:27 The Importance of Education and Mentorship in Real Estate00:05:02 Vlad's Current Real Estate Strategy and Focus00:08:36 The Benefits and Challenges of Multifamily Real Estate00:08:59 The Importance of Third-Party Property Management00:09:16 The Business Side of Multifamily Real Estate00:10:40 The Power of Partnerships in Real Estate00:16:06 Finding Deals in Real Estate00:21:12 The Role of Technology in Real Estate00:25:51 Navigating Market Changes in Real Estate00:27:23 Shifting Investment Focus from C to B Class Properties00:27:50 Understanding the Risks of Older Buildings00:28:12 The Advantages of Investing in BA Class Buildings00:28:41 The Impact of High Mortgage Rates on the Rental Market00:29:18 The Real Estate Market in New Jersey: A Case Study00:30:23 The Consequences of Waiting for Lower Rates00:31:05 The Importance of Planning and Strategy in Real Estate Investment00:31:57 The Benefits of Investing in BA Class Buildings00:35:45 Adapting to Market Changes: Shifting Investment Locations00:39:35 The Importance of Teamwork in Real Estate Investment00:45:11 The Role of Education and Mentorship in Real Estate Investment00:49:17 The Power of Mindset and Focus in Real Estate InvestmentFind  Vlad Arakcheyev on:Website: https://zontikventures.com/LinkedIn: https://www.linkedin.com/in/vladarakcheyev/Facebook: https://www.facebook.com/Vlad.Arakcheyev1/Instagram: https://www.instagram.com/vlad_arakcheyev/Tiktok: https://www.tiktok.com/@best_apartment_adviceEmail: Vlad@ZontikVentures.comCalendly: https://calendly.com/vlad-arakcheyev/30min Average Joe Finances®All of our social media links and more: https://averagejoefinances.com/linksAbout Mike: https://mikecavaggioni.comShow Notes add-on continued here: https://averagejoefinances.com/show-notes/*DISCLAIMER* https://averagejoefinances.com/disclaimerSee our full episode transcripts here: https://podcast.averagejoefinances.com/episodesSupport the show

Are you a real estate investor looking to elevate your game while ensuring your assets are fully protected? Do you need advice on developing a robust wealth-building strategy? If yes, you'd benefit from insights from this week's guest.Join us on Average Joe Finances as our guest Scott Royal Smith shares his knowledge and expertise on asset protection, financial freedom, and lifestyle strategies, particularly for real estate investorsIn this episode:Recognize the pivotal role of asset protection in maintaining financial security.Emphasize the significance of implementing asset protection measures at the right time.Understand how private foundations, similar to super IRAs, can protect income and provide a tax-free growth strategy.Recognize the need for experts in asset protection, estate planning, tax strategy, insurance, and investment within your team.And so much more!Key Moments:00:36 Getting to Know Scott Royal Smith00:43 Scott's Journey to Financial Freedom01:54 The Importance of Asset Protection02:11 The Birth of Royal Legal Solutions02:35 The Shift to Asset Protection03:02 The Wake-Up Call and Expansion03:31 The Importance of Strategic Tax Planning03:39 The Concept of Financial Freedom04:03 The Desire to Teach and Give Back04:22 The Reality of Financial Freedom05:09 The Dangers of Not Protecting Your Assets05:46 The Importance of Asset Protection for Real Estate Investors06:24 The Right Time to Consider Asset Protection06:56 The Benefits of Series LLCs08:39 The Power of Anonymity and Compartmentalization12:52 The Role of Money in Life14:14 The Use of Retirement Accounts in Real Estate Investing15:47 The Advantages of Private Foundations18:17 The Importance of Strategic Tax Planning and Structuring19:47 The Importance of Having the Right Team20:26 The Role of Professionals in Your Business20:53 Understanding Different Types of Professionals You Need21:14 Balancing Investments and Taxes21:29 The Role of Insurance in Your Business21:59 Building a Wealth Building Company22:24 The Services Offered by Royal Legal Solutions23:57 The Importance of Education in Business24:16 The Process of Building a Wealth-Building Company25:23 The Importance of Hiring ProfessionalsFind Scott Royal Smith on:Website:  https://royallegalsolutions.com LinkedIn: https://www.linkedin.com/in/scottroyalsmithAverage Joe Finances®All of our social media links and more: https://averagejoefinances.com/linksAbout Mike: https://mikecavaggioni.comShow Notes add-on continued here: https://averagejoefinances.com/show-notes/*DISCLAIMER* https://averagejoefinances.com/disclaimerSee our full episode transcripts here: https://podcast.averagejoefinances.com/episodesSupport the show

Options trading is often viewed as complex or risky for the average investor. However, with the right guidance, trading options can be a powerful tool for financial growthJoin us on Average Joe Finances as our guest Dan Passarelli shares the importance of understanding and mitigating risks in trading and offers some wisdom on how to use options trading as a tool to improve one's financial situationIn this episode:Recognize options trading as a form of derivative trading applicable in various market conditions.Grasp the benefit of options trading in controlling risk, distinguishing it from pure stock trading.Explore the potential of using options trading as a pathway to financial freedom.Understand how premiums collected from options can be reinvested to fuel further growth, contributing to financial success.And so much more!Key Moments:00:26 Getting to Know Dan Passarelli02:13 Understanding Options Trading02:38 Explaining Options Trading to Beginners04:04 How to Get Started with Options Trading04:16 Types of Options Strategies04:37 The Concept of Covered Calls07:04 How Options Trading Can Lead to Financial Freedom12:41 The Importance of Education in Options Trading17:23 The Role of Technology in Options Trading18:51 Understanding the Risks in Options Trading19:45 Dan's Personal Trading Strategy20:14 Introduction to Options Trading20:18 Using Options for Buy and Hold Strategy21:08 Case Study: Trading Apple Stocks21:44 Understanding Call and Put Options24:00 Reinvesting Premiums from Options Trading25:09 The Risks and Rewards of Day Trading26:16 The Importance of Education in TradingFind Dan Passarelli on:Website: https://markettaker.com/Facebook: https://www.facebook.com/markettakerTwitter: https://twitter.com/Dan_PassarelliYoutube: https://www.youtube.com/user/MarketTakerMentoringBlog: https://markettaker.com/blog/ Average Joe Finances®All of our social media links and more: https://averagejoefinances.com/linksAbout Mike: https://mikecavaggioni.comShow Notes add-on continued here: https://averagejoefinances.com/show-notes/*DISCLAIMER* https://averagejoefinances.com/disclaimerSee our full episode transcripts here: https://podcast.averagejoefinances.com/episodesSupport the show

Are you interested in Multifamily Real Estate? Let's dive deep into the nitty-gritty of it! From regulatory challenges in LA to tenant-buyout strategies - this episode will be brimming with insider knowledge!Join us on Average Joe Finances as our guest Taylor Avakian shares his experiences navigating the escalating changes in the market, demystifies some common myths about the California real estate market, and offers invaluable advice for investors.  In this episode:Recognize the opportunities in LA's multifamily market, driven by renter demand, despite the state's strict regulations and high housing costs.Learn about the importance of becoming a "value add investor" and building relationships to navigate and thrive within the regulated market.View these challenges as opportunities for investors who comprehend the "art and science" of LA's investment market.Embrace optimism and creativity in the face of tightening regulations and shifting market trends in LA.And so much more!Key Moments:00:01:03 Taylor's Journey into Real Estate00:02:39 Understanding the Multifamily Market in California00:04:22 Overcoming Challenges in LA's Market00:08:20 The Impact of COVID-19 on LA's Real Estate Market00:15:15 Predicting Future Opportunities in LA's Market00:18:42 Finding Hidden Gems in the Real Estate Market00:21:13 Taylor's Superpower as a Real Estate Broker00:24:49 The Unexpected Rise in Property Values00:25:05 The Importance of Making Educated Projections00:25:34 The Power of Building Relationships in Real Estate00:26:17 Overcoming the Challenge of High Interest Rates00:27:13 Strategies for Landlords in LA for Future Growth00:27:56 The Art of Controlling the Controllables00:29:30 The Stoic Approach to Life and Business00:32:06 The Power of Knowledge and Skills00:33:23 The Importance of Self-Awareness in Business00:35:27 The Power of Organization in Business00:44:14 The Value of Consistency and DisciplineFind Taylor Avakian on:Website: https://www.matthews.com/LinkedIn: https://www.linkedin.com/in/tayloravakian/Instagram: https://www.instagram.com/taylor_avakian/?hl=enTwitter: https://twitter.com/tayvay_?lang=enAverage Joe Finances®All of our social media links and more: https://averagejoefinances.com/linksAbout Mike: https://mikecavaggioni.comShow Notes add-on continued here: https://averagejoefinances.com/show-notes/*DISCLAIMER* https://averagejoefinances.com/disclaimerSee our full episode transcripts here: https://podcast.averagejoefinances.com/episodesSupport the show

Navigating the business world, especially the real estate market, can be quite an obstacle course. But could it prove that success often comes from passion, ambition, and making calculated risks?Join us on Average Joe Finances as our guest Adit Shah shares his journey on how he began by working for free as a property developer and learn the ropes of the industry.In this episode:The significance of networking and relationship-building in the real estate business, which can play a fundamental role in future operations.How an unconventional approach to entering the real estate industry demonstrates that success often comes from taking unique and unexpected paths. The need for careful consideration of market conditions and the importance of resilience when facing unexpected challenges in the real estate industry.How joining a mastermind or a community of like-minded individuals is recommended for guidance and opportunities, showcasing the significance of continuous learning and mentorship in the real estate journey.And so much more!Key Moments:00:01:08 - Transition from Military to Civilian Life00:01:43 - Entry into Real Estate and Initial Experiences00:02:02 - Journey to Becoming a Real Estate Developer00:02:19 - Strategy to Learn and Break into the Industry00:03:07 - First Development Projects and Expansion00:03:22 - Founding of Tempest 22 and Housebender00:03:54 - Experience Working for Free and Learning the Trade00:06:29 - Adit's Transition to Leading His Own Business00:15:33 - Adit's Move to Colombia and Managing Business Remotely00:16:44 - Approach to Building a Solid Team00:22:08 - Strategy for Keeping Expenses Low and Utilizing Military Benefits00:23:53 - Starting Tempest 22 and Real Estate Development00:23:59 - Criteria for Selecting Development Lots00:24:42 - Building a Portfolio and Scaling Up00:25:30 - Creating Housing for Specific Demographics00:26:43 - The Art of Real Estate Development00:27:33 - Identifying Ideal Parcels for Development00:28:40 - The Strategy for Acquiring Properties00:29:13 - Challenges of Managing Development from Abroad00:31:54 - The Motivation Behind Real Estate DevelopmentFind Adit Shah on:Websites: www.housebender.com and www. tempest22.com Instagram: https://www.instagram.com/housebender/LinkedIn: https://www.linkedin.com/in/adit-shah-197623167/Average Joe Finances®All of our social media links and more: https://averagejoefinances.com/linksAbout Mike: https://mikecavaggioni.comShow Notes add-on continued here: https://averagejoefinances.com/show-notes/*DISCLAIMER* https://averagejoefinances.com/disclaimerSee our full episode transcripts here: https://podcast.averagejoefinances.com/episodesSupport the show

How can delving into financial innovation serve as a transformative journey toward achieving financial freedom? Let's explore crucial topics such as velocity banking and the profound impact of intentional decision-making on the path to financial goals.Join us on Average Joe Finances as our guest Charlie Hardage shares insights on the significance of focusing on one niche, the power of velocity banking, and leveraging debt to grow wealth.In this episode:Uncover the exclusive benefits of owning a franchise and how it can change your entrepreneurial journey.Learn the secrets to turning your existing business into a successful franchise operation.Explore the market options for reselling franchises and maximize your investment potential.Master the art of research and due diligence to make informed decisions in the world of franchising.And so much more!Key Moments:00:03:34 Charlie's Journey into Real Estate00:05:11 Transitioning from Military to Civilian Life00:08:22 Charlie's Real Estate Strategy and Goals00:11:56 The Importance of Mental Health Awareness00:15:28 Investing in Multifamily Real Estate00:21:00 The Value of Research and Due Diligence00:24:18 Charlie's Active Investment Strategy00:26:50 Running Real Estate Like a Business00:27:02 The Power of Efficient Management in Real Estate00:27:56 The Art of Velocity Banking00:28:33 The Benefits of Investing in Syndications00:28:55 The Mindset Shift in Velocity Banking00:29:21 The Concept of Debt Arbitrage00:29:38 The Power of HELOC in Real Estate Investing00:30:16 The Strategy of Velocity Banking00:33:16 The Impact of Velocity Banking on Financial Freedom00:37:27 The Importance of Focus in Real Estate Investing00:45:21 The Power of Networking and Sharing Your Journey00:47:27 Final Thoughts: If I Can Do It, You Can Do ItFind Charlie Hsrdage on:Website: https://www.hkigllc.com/LinkedIn: https://www.linkedin.com/in/charleshardage/ Facebook: https://www.facebook.com/charlie.hardageiii/Youtube: https://www.youtube.com/@buildwealthinrealestate Average Joe Finances®All of our social media links and more: https://averagejoefinances.com/linksAbout Mike: https://mikecavaggioni.comShow Notes add-on continued here: https://averagejoefinances.com/show-notes/*DISCLAIMER* https://averagejoefinances.com/disclaimerSee our full episode transcripts here: https://podcast.averagejoefinances.com/episodesSupport the show

As we delve into the exciting world of franchising, the question that waves at every entrepreneur's mind is, should I buy a franchise? Franchising, indeed, is a dynamic concept in the business world that thrives on the foundation of systemized procedures and proven business models. But is it the right fit for you? Join us on Average Joe Finances as our guest Gregory Mohr shares about the process of turning a business into a franchise and the potential for significant growth. In this episode:Uncover the exclusive benefits of owning a franchise and how it can change your entrepreneurial journey.Learn the secrets to turning your existing business into a successful franchise operation.Explore the market options for reselling franchises and maximize your investment potential.Master the art of research and due diligence to make informed decisions in the world of franchising.And so much more!Key Moments:00:04:31 - Discovering Franchising00:08:41 - Semi-Absentee Franchising00:11:53 - Being the Face of the Business00:12:22 - Benefits of Local Ownership00:12:33 - Importance of Being the Local Face of a Franchise00:13:26 - Franchise vs. Private Business00:15:51 - Trade-Off Between Time and Money00:17:17 - Investment Levels in Different Types of Franchises00:21:31 - Mistakes to Avoid When Selecting a Franchise00:25:20 - Importance of Funding and Debt Servicing00:27:27 - Genuine Intent to Help00:28:54 - Financing and Debt to Income Ratio00:35:00 - Risk Tolerance and Emerging Franchises00:39:02 - Assessing Fit for Franchise Ownership00:39:21 - Individual Factors in Franchise Investment00:40:10 - Importance of Due Diligence00:41:18 - Process of Turning a Business into a Franchise00:44:19 - Selling a Successful Franchise00:46:08 - Lessons Learned and Tips for Success Find Patrick Elsner on:Website: www.franchisemaven.comLinkedIn: https://www.linkedin.com/in/gregorykmohr/Instagram: https://www.instagram.com/franchisemaven/?hl=enTwitter: https://twitter.com/Franchise_MavenFacebook: https://www.facebook.com/FranchiseMaven/Average Joe Finances®All of our social media links and more: https://averagejoefinances.com/linksAbout Mike: https://mikecavaggioni.comShow Notes add-on continued here: https://averagejoefinances.com/show-notes/*DISCLAIMER* https://averagejoefinances.com/disclaimerSee our full episode transcripts here: https://podcast.averagejoefinances.com/episodesSupport the show

Are you looking to enter the franchise industry? Discover the secrets to finding the perfect franchise fit.  Learn how to navigate the franchise landscape based on your criteria and interests, but beware, one wrong move could leave you questioning everything.Join us on Average Joe Finances as our guest Patrick Elsner shares insights on the trends he's observed in franchise ownership over his 21-year career and gives advice to those thinking about getting into franchising. In this episode:Discover the latest franchising trends and opportunities to stay ahead of the game.Explore the benefits of semi-absentee franchise ownership for a more flexible lifestyle.Uncover the thriving home services and health and wellness franchise categories.Implement a criteria-based approach to find the perfect franchise that aligns with your goals.And so much more!Key Moments:00:00:28 - Patrick's Background00:01:21 - Trends in Franchising00:02:49 - Popular Franchise Categories00:09:16 - Finding the Right Franchise00:15:02 - The Importance of Success in Franchising00:16:00 - Top Franchises in Today's Market00:17:32 - Qualities of a Successful Operator00:20:08 - Work and Luck in Franchising00:22:18 - Mitigating Risks in Franchising00:30:11 - Mistakes in Financial Investments00:31:11 - Importance of Surrounding Yourself with the Right People00:33:26 - Reverse Engineering Your GoalsFind Patrick Elsner on:Website: https://www.franinside.comEmail: info@franinside.comLinkedIn:https://www.linkedin.com/in/patrickelsnerfranchiseinsider/Youtube: https://www.youtube.com/channel/UCLj00KD0UTb27LmIbY4EGDgAverage Joe Finances®All of our social media links and more: https://averagejoefinances.com/linksAbout Mike: https://mikecavaggioni.comShow Notes add-on continued here: https://averagejoefinances.com/show-notes/*DISCLAIMER* https://averagejoefinances.com/disclaimerSee our full episode transcripts here: https://podcast.averagejoefinances.com/episodesSupport the show

Recent financial management strategies aim to assist individuals and families in building wealth and attaining financial independence. One approach involves utilizing a whole life insurance policy for banking, offering tax advantages. The goal is to empower individuals to manage their finances effectively, ensuring economic certainty.Join us on Average Joe Finances as our guest Dr. Robert Scranton shares how using life insurance policies as a banking system can offer guaranteed returns, tax-free growth, and overall financial freedom. In this episode:Overcome the initial daunting perception and discover the fascination behind this unique financial strategy.Grasp the concept of "banking on oneself" through robust whole-life insurance policies with promising returns.Understand the strategy of "spending down every dollar earned" and the guaranteed returns on premiums.Discover the impressive tax benefits associated with Infinite Banking, often overlooked by beginners.And so much more!Key Moments:00:02:06 - Dr. Robert Scranton's Personal Journey and Career Shift00:04:54 - Challenges of Traditional Financial Planning00:07:57 - Exploring the Infinite Banking Concept00:08:50 - Real-Life Examples of Infinite Banking00:14:17 - Benefits of Infinite Banking and Double Dipping00:19:05 - Tax Benefits of Infinite Banking00:20:59 - Using Infinite Banking for Retirement Planning00:21:39 - Revised Retirement Plans and Living Longer00:22:13 - The Power of Real Estate Investments00:22:45 - Borrowing from Retirement Savings for Real Estate00:23:33 - The Benefits of Infinite Banking00:23:59 - Getting Started with a Policy00:24:25 - Understanding Policy Limitations00:28:06 - The Risks of Outstanding Loans00:30:16 - The Power of Spending Down Every Dollar00:32:04 - Selling Your Policy on the Secondary MarketFind Dr. Robert Scranton on:Website: https://www.yourfinancialiq.orgLinkedIn: https://www.linkedin.com/in/drscranton/Tiktok: tiktok.com/@robertscranton4Average Joe Finances®All of our social media links and more: https://averagejoefinances.com/linksAbout Mike: https://mikecavaggioni.comShow Notes add-on continued here: https://averagejoefinances.com/show-notes/*DISCLAIMER* https://averagejoefinances.com/disclaimerSee our full episode transcripts here: https://podcast.averagejoefinances.com/episodesSupport the show

Do you want to gain a comprehensive understanding of trading and make well-informed investment decisions? Wondering how you can achieve this desired outcome? It's time to break free from the cycle of ineffective actions that only lead to more pain and uncertainty. Let's embark on a journey of knowledge and guidance, where you can gain valuable insights into trading and investing to make informed decisions and achieve the financial success you desire.Join us on Average Joe Finances as our guest Anmol Singh shares the secrets of trading success and how to make wise investment choices.In this episode:Gain valuable insights into trading and investing strategies to make informed investment decisions.Learn how to maintain emotional control in trading to avoid making impulsive and costly mistakes.Understand the importance of mindset in finance and how it can contribute to your financial success.Explore the potential risks and rewards of cryptocurrency investment and make educated decisions in this market.And so much more!Key Moments:00:01:04 - Anmol Singh's Background00:02:03 - Start of Investing00:05:22 - Thoughts on Trading00:11:10 - The Importance of Education and Understanding the Market00:12:35 - Finding Your Trading Style and Mentor00:14:09 - Technical Analysis for Trading00:15:45 - Trading as a Psychological Journey00:18:58 - Understanding Emotions in Trading00:22:10 - Managing Emotions in Trading00:23:47 - Definition of Success00:26:41 - Well-Rounded Success00:27:01 - Trading Crypto00:29:39 - Bitcoin's Future00:33:47 - Getting Started in Investing00:35:15 - Making Money Work for You00:36:39 - The Power of Mindset Find Anmol Singh on:Website: https://livetraders.com/IG: https://www.instagram.com/deltaninety/Twitter: https://twitter.com/DeltaNinetyBook: http://preppingforsuccess.com/bookAverage Joe Finances®All of our social media links and more: https://averagejoefinances.com/linksAbout Mike: https://mikecavaggioni.comShow Notes add-on continued here: https://averagejoefinances.com/show-notes/*DISCLAIMER* https://averagejoefinances.com/disclaimerSee our full episode transcripts here: https://podcast.averagejoefinances.com/episodesSupport the show

You may already be taking actions such as investing in properties that align with your values, incorporating sustainable practices, or supporting local communities, but the impact you desire may still be eluding you. Instead, you may find yourself facing challenges such as difficulty finding suitable properties, encountering resistance from traditional real estate practices, or struggling to measure and communicate the social and environmental impact of your investments.Join us on Average Joe Finances as our guest Paul Moore shares the secrets to success in commercial real estate.In this episode:Discover the most effective real estate investing strategies to maximize your profits.Uncover the hidden benefits of investing in self-storage and how it can be a game changer for your portfolio.Learn about value-add opportunities in the self-storage industryExplore the untapped markets in real estate investing and find out how to tap into their potential for lucrative opportunities.And so much more!Key Moments:00:00:46 - Paul's Background and Transition to Real Estate00:03:13 - Value Investing in Real Estate00:06:30 - Success Stories in the Current Market00:08:25 - Shift in Capital Stack Strategy00:14:06 - Importance of Due Diligence and Partner Selection00:15:02 - Self Storage as an Attractive Investment00:17:51 - Value Creation in Self-Storage00:19:32 - Blue Ocean Strategy for Self-Storage Investments00:23:46 - Lack of Online Presence in Mom and Pop Self Storage Facilities00:27:19 - The Appalling Situation at the Wall00:28:03 - Making an Impact on the World00:29:22 - Fighting Human Trafficking Find Paul Moore on:Website: www.wellingscapital.comTwitter: twitter.com/PaulMooreInvestAverage Joe Finances®All of our social media links and more: https://averagejoefinances.com/linksAbout Mike: https://mikecavaggioni.comShow Notes add-on continued here: https://averagejoefinances.com/show-notes/*DISCLAIMER* https://averagejoefinances.com/disclaimerSee our full episode transcripts here: https://podcast.averagejoefinances.com/episodesSupport the show

If you're frustrated and overwhelmed by working long hours and saving diligently but watching your early retirement dreams slip away, you're not alone. Many seeking financial independence get stuck in unfulfilling jobs or uncertain financial situations. You may be overspending, making poor investments, or not earning enough to save effectively. However, there's hope. By identifying and addressing your obstacles, you can achieve the freedom and fulfillment you desire.Join us on Average Joe Finances as our guest Walli Miller shares the art of starting small but dreaming big - learn how to save and invest wisely to create a work-optional lifestyle.In this episode:Gain financial freedom by finding the perfect balance between debt repayment and investing.Align your actions with your long-term goals to create a roadmap to success and early retirement.Discover the art of finding balance in all areas of your life and live a fulfilling retirement.Unlock financial independence through the power of financial education and the right mindset.And so much more!Key Moments:00:00:49 - Walli's Background00:06:57 - Lack of Money Conversations00:08:55 - Cultivating Hustle Culture00:13:59 - Creating an Accessible Podcast00:15:23 - The Importance of Continuous Learning00:17:04 - Recognizing the Relationship with Money00:18:40 - Overcoming Money-Related Blocks00:21:57 - The Intersection of Numbers and Emotions00:27:15 - The Importance of Sinking Funds00:28:18 - Celebrating Small Victories00:29:26 - Spending Money on What You Value00:31:41 - Investing While in Debt00:34:23 - Finding a Balance00:40:41 - Aligning Actions with Vision00:41:51 - Balancing Work and Personal Life00:42:26 - Learning from Financial MistakesFind Walli Miller on:Website: https://financiallythriving.com/Instagram: https://www.instagram.com/financially_thrivingAverage Joe Finances®All of our social media links and more: https://averagejoefinances.com/linksAbout Mike: https://mikecavaggioni.comShow Notes add-on continued here: https://averagejoefinances.com/show-notes/*DISCLAIMER* https://averagejoefinances.com/disclaimerSee our full episode transcripts here: https://podcast.averagejoefinances.com/episodesSupport the show

You've been told to invest your time and money in traditional avenues like stocks and real estate, hoping for passive income that never seems to materialize. The pain of constantly working hard but not seeing the results you desire is all too real. But what if there's a more effective action you can take? Imagine discovering the untapped potential of website investing, where you can leverage digital assets to build long-term wealth and finally generate the passive income you've been longing for.Join us on Average Joe Finances as our guest Matt Raad unveils the thrilling journey of building passive income through digital assets, defying traditional job norms, and discovering the secrets to financial freedom.In this episode:Discover the untapped potential of website investing to build long-term wealth and generate passive income.Start small and learn the art of due diligence to minimize risks and maximize returns in the world of website investing.Gain a long-term vision for building generational wealth through carefully selected digital assets.Unlock the path to financial freedom by leveraging the opportunities presented by website investing.And so much more!Key Moments:00:01:30 - Matt Rod's Background00:04:19 - Building Websites for Passive Income00:05:43 - Discovering the Power of Internet Businesses00:09:37 - Transitioning to Buying Websites00:13:49 - The Efficiency of Scraping Websites00:14:39 - Starting a Website Business00:15:59 - Proof of Concept00:19:08 - Transitioning from a W2 Job00:21:38 - Evolution of Website Buying and Selling00:26:31 - The Power of Affiliate Marketing00:27:26 - Unexpected Affiliate Commissions00:28:02 - No Inventory or Warehouse Hassles00:29:42 - Niche Passion for Success00:31:26 - Surprising Valuation of Passion Sites00:39:22 - Starting Small and Learning Due Diligence00:40:08 - The Power of Compounding Interest00:41:33 - Building Generational Wealth00:42:11 - Tips for Getting Started in Buying and Selling Websites Find Matt Raad on:Website: https://www.mattandlizraad.com/LinkedIn: https://www.linkedin.com/in/matt-raad/?originalSubdomain=auFacebook: https://www.facebook.com/MattandLizRaad/Instagram: https://www.instagram.com/mattraad/Twitter: https://twitter.com/TheMattRaadAverage Joe Finances®All of our social media links and more: https://averagejoefinances.com/linksAbout Mike: https://mikecavaggioni.comShow Notes add-on continued here: https://averagejoefinances.com/show-notes/*DISCLAIMER* https://averagejoefinances.com/disclaimerSee our full episode transcripts here: https://podcast.averagejoefinances.com/episodesThe Financial PhilosophersWe're Chris and Danny, come Nerd Out about finance with us!Listen on: Apple Podcasts SpotifySupport the show

Do you want to unlock the secret to financial independence and make smart investment choices? Are you tired of being misled by common money myths that hinder your wealth-building journey? Get ready to gain invaluable knowledge and tools to break free from misconceptions and make informed decisions that pave the way for long-term wealth creation.Join us on Average Joe Finances as our guest Stephanie Walker, shatters money myths and how to control your financial future, leveraging strategic investments to achieve wealth and debunking the accumulation mindset prevalent among regular individuals.In this episode:Discover retirement planning strategies to secure a comfortable future and live the life you've always dreamed of.Uncover the hidden costs of investment fees and learn how to minimize them to maximize your returns.Explore the world of real estate syndications and learn how it can help you diversify your investment portfolio and grow your wealth.Unlock the benefits of life insurance as a powerful tool for building wealth and protecting your loved ones.And so much more!Key Moments:00:01:08 - Seeking Financial Independence00:02:19 - Transition to Real Estate Investing00:03:40 - Discovering Syndication00:04:15 - Financial Transformation00:15:06 - Investing in 401(k)s and Tax-Free Income Strategies00:17:54 - Investing in Real Estate for Retirement00:20:13 - True Diversification and Asset Allocation00:24:16 - Indexed Universal Life Insurance for Wealthy Individuals00:30:09 - The Importance of Life Insurance00:30:37 - The Benefits of a Healthy Lifestyle00:31:20 - Life Insurance and RetirementFind Stephanie Walter on:Websites: www.erbewealth.comLinkedIn: https://www.linkedin.com/in/stephanie-walter-057594196/Facebook: https://www.facebook.com/erbewealth Check out Average Joe Finances: https://erbewealth.com/averagejoe/Average Joe Finances®All of our social media links and more: https://averagejoefinances.com/linksAbout Mike: https://mikecavaggioni.comShow Notes add-on continued here: https://averagejoefinances.com/show-notes/*DISCLAIMER* https://averagejoefinances.com/disclaimerSee our full episode transcripts here: https://podcast.averagejoefinances.com/episodesSupport the show