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Send us a textJoin us on Average Joe Finances as our guest Larry Kriesmer and Bernard Surovsky discuss their innovative approach to investment management. They delve into their investment strategy, which evolved from their experiences during market downturns in the late 1990s and 2008, leading to the creation of their trademark 'Synthetic Equity' and the launch of their ETF (SNTH). The discussion covers the technical aspects and advantages of using options and treasuries to manage risk while achieving high returns. The episode also features personal anecdotes, including their experience of ringing the bell at the New York Stock ExchangeIn this episode:Learn how Measured Risk Portfolios blend safe short-term treasuries with strategic options to balance protection and growth.Discover the concept of Synthetic Equity and how it replicates equity returns while cushioning against losses.Understand why mastering options can unlock powerful risk management and investment opportunities.Gain insights into building bold, informed strategies that challenge traditional investing norms.And so much more!Key Moments:00:59 Meet Larry and Bernard01:35 Growing Up in Different Worlds03:41 Investment Philosophy and Early Experiences06:13 The Measured Risk Portfolio Approach08:12 Managing Market Volatility21:40 Synthetic Equity Explained25:06 Risk Aversion and Investment Strategies26:41 Introduction to Synthetic Equity and ETF26:58 Launching the ETF and Ringing the Bell27:55 The Experience of Ringing the Bell33:25 Final Round: Financial Mistakes and Lessons Learned41:32 Final Thoughts and Advice for InvestorsFind Larry and BernardWebsite: https://www.measuredriskportfolios.com/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
In this bonus episode of The Money Puzzle, The Australian’s Wealth Editor, Julie-anne Sprague, unpacks what it takes to be a great investor with one of the nation's top stockpickers, Jun Bei Liu. How did Liu learn to invest? What did she learn when things went wrong and what's her advice for everyday investors wanting to build their wealth?Jun Bei Liu of Ten Cap joins Wealth Editor Julie-anne Sprague in this bonus episode.See omnystudio.com/listener for privacy information.
Sinead talks Money Management with Gwen Harris of MABS. The Money Advice and Budgeting Service (MABS) is a free, independent, confidential and non- judgmental money advice and budgeting service for all members of the public. MABS primarily works with people experiencing over-indebtedness. MABS money advisers work with clients who may have difficulties with a wide range of personal debts including personal loans, mortgages, credit card debt, catalogue debts, debts to legal moneylenders and hire purchases.
What if the real obstacle to entrepreneurship isn't your skill set or background, but the beliefs you hold about money? In this episode of The Angel Next Door Podcast, host Marcia Dawood sits down with Barbara Huson—a celebrated financial expert and the author of seven books—to challenge the limiting money stories that hold women back from investing, building wealth, and stepping fully into their power.Barbara shares her personal journey from financial intimidation and crisis to empowerment, offering relatable anecdotes and the wisdom she's gained from interviewing hundreds of financially successful women. Her expertise shines as she uncovers the neuroscience behind changing your money mindset, and how simple, purposeful steps can transform your financial trajectory.This episode is packed with actionable strategies, including Barbara's “recognize, reframe, and respond” method for rewiring your thinking, and her approachable daily, weekly, and monthly habits for getting smart about money. If you've ever felt daunted by investing or unsure if building wealth is for you, this conversation will leave you inspired and ready to take control—making it a must-listen for anyone seeking confidence in their financial journey. To get the latest from Barbara Huson, you can follow her below!https://www.linkedin.com/in/barbarahuson/https://www.barbara-huson.com/https://www.instagram.com/thebarbarahuson/ Sign up for Marcia's newsletter to receive tips and the latest on Angel Investing!Website: www.marciadawood.comLearn more about the documentary Show Her the Money: www.showherthemoneymovie.comAnd don't forget to follow us wherever you are!Apple Podcasts: https://pod.link/1586445642.appleSpotify: https://pod.link/1586445642.spotifyLinkedIn: https://www.linkedin.com/company/angel-next-door-podcast/Instagram: https://www.instagram.com/theangelnextdoorpodcast/TikTok: https://www.tiktok.com/@marciadawood
Around 1 in 5 people in the UK are neurodivergent, but it often doesn’t get discussed enough when it comes to personal finance. In this episode, our host Iona Bain speaks with accountant and behavioural finance expert Krystle McGilvery about the often-overlooked link between neurodiversity and money. Krystle shares her personal experience of living with ADHD and dyslexia, and how these conditions impact her financial habits. From budgeting struggles to impulsive spending and long-term planning challenges, together they explore how emotional regulation, executive function, and financial systems all intersect. Get ready for some empowering strategies to help take control of your financial future, whether you’re navigating your own neurodivergence or supporting someone who is. You can watch episodes on L&G’s YouTube channel And see behind the scenes content on TikTok and Instagram You can play the podcast and find other useful content on L&G’s website: https://www.legalandgeneral.com/podcasts/a-little-bit-richer Follow Krystle on Instagram Iona and her guests share their own personal thoughts and opinions in this podcast. These might be different from L&G’s take on things. They give financial guidance for a UK audience that’s relevant at the time of recording. It’s general best practice, not the kind of personalised advice you’d get from a financial adviser.See omnystudio.com/listener for privacy information.
This week, Carl welcomes Jeffrey Kraws, veteran Wall Street analyst and CEO of Crystal Research Associates, for a powerful conversation that blends business brilliance with deep personal insight. With 36+ years of experience and over $23B in assets under management, Jeffrey breaks down how cutting-edge tech—including AI—is transforming modern medicine. But this episode isn't just about numbers and innovation… Jeffrey opens up about surviving multiple near-death experiences, his faith in God, and what really matters at the end of the day: family, perseverance, and purpose.
Financial Planner Luke Smith joined 2CC Talking Canberra in Money Matters, which aired live on Friday 1 August 2025. The topic for this week is: How much tax do I pay if I go back to work after I retire? There’s lots of misinformation about retirement. Luke is joined by Leon Delaney of 2CC to […]
Today, I'm sharing an article I wrote where I give a practical financial overview and is a personal finance cheat sheet for anyone feeling overwhelmed with their finances and taxes. Listen to this episode to get some finance tips to help you feel more secure as an entrepreneur when it comes to your money. Also mentioned in today's episode: 02:50 Understanding the Emotional Impact of Money 06:06 Basic Steps to Avoid Financial Disaster 08:55 Debt Management Strategies 12:37 Saving and Investing for the Future 15:52 Empowerment Through Financial Knowledge If you enjoyed this episode, please rate, review and share it! Every review makes a difference by telling Apple or Spotify to show the Sunlight Tax podcast to new audiences. Links: My #1 Tip to Make Your Kid a Millionaire Link to pre-order my book, Taxes for Humans: Simplify Your Taxes and Change the World When You're Self-Employed. Link to pre-order my workbook, Taxes for Humans: The Workbook Get your free visual guide to tax deductions Check out my program, Money Bootcamp
Send us a textJoin Kevin Lyles, CRPC™ and me as we provide a long form discussion about inflation and its multiple effects on retirement.If you'd like to be a part of a free online retirement community, join us on Facebook: https://www.facebook.com/groups/399117455706255/?ref=share
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Send us a textJoin us on Average Joe Finances as our guest Mike Ivany to discuss his diverse background in law, marketing, finance, and investment. Mike Ivany shares his journey from working at Homeland Security to starting a law practice, diving into marketing, and ultimately working in finance and alternative investing. The conversation delves into the dynamics of the AI market, the future of companies like TikTok, SpaceX, and ByteDance, and how AI is reshaping investment strategies.In this episode:Learn how pre-IPO and private market investing gives accredited investors access to high-growth companies before they go public.Discover why the ongoing AI talent battle reshapes technology investing and creates unique opportunities.Understand the critical role of fees, liquidity constraints, and risk assessment when entering private investments.Explore how platforms like Upmarket democratize alternative assets, lowering barriers for accredited investors.And so much more!Key Moments:00:55 Guest Introduction: Mike Ivancie01:28 Mike Ivancie's Background and Career Journey02:42 Transition to Marketing and Finance03:19 Current Role and Market Trends05:55 AI and Private Markets Discussion11:40 Impact of AI on Investing16:31 Introduction to Upmarket23:08 Understanding Private Market Investments23:47 Pre-IPO Investment Checklist24:21 Accredited Investor Qualifications27:12 Popular Pre-IPO Companies29:31 Employee Liquidity in Private Companies32:35 Final Round: Financial Wisdom42:39 Final Thoughts and ResourcesFind Mike IvancieWebsite: https://www.upmarket.co/ LinkedIn: https://www.linkedin.com/in/ivancie/ 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
3%…6%…1%…the promise of 10X from your neighbour with the crypto hedge fund. It's easy to think if your money is growing, that's good enough. But mediocre returns will KILL you. Learn: exactly what your investment returns SHOULD be…why a 7% return might be terriblehow to know if your advisor is screwing you
This week on the Journey to Launch Podcast, I'm joined by Karen Salmansohn, bestselling author, behavioral change expert, and creator of “Your To-Die-For Life: How to Maximize Joy and Minimize Regret Before Your Time Runs Out.” With over 2 million books sold, Karen brings a bold mix of research-based psychology and humor to help us snap out of autopilot and live with more intention. We dive into the powerful idea that mortality awareness isn't morbid, it's motivating. Karen introduces the concept of a "near-life experience" and how many of us are living life adjacent, not fully present. We also explore the connection between core values, money, happiness, and how to design your life with fewer regrets. In this episode we discuss: Core values that prevent future regret and help guide daily decisions How identity shapes habits and long-term financial wellness The difference between fleeting pleasure and deep fulfillment Why growth, curiosity, and authenticity matter more than productivity Strategies to discover your high-level purpose—even if you don't know it yet Other related blog posts/links mentioned in this episode: Check out Karen's book: Your To-Die-For Life Apply to Share Your Journeyer Story here. Join the Journey to Launch Book Club to dive deeper into financial freedom with guided discussions and resources here! Get your copy of my book: Your Journey To Financial Freedom! Join The Weekly Newsletter List to get updates, deals & more! Leave Your Journey To Financial Freedom a review! Get The Budget Bootcamp Check out my personal website here. Leave me a voicemail– Leave me a question on the Journey To Launch voicemail and have it answered on the podcast! YNAB – Start managing your money and budgeting so that you can reach your financial dreams. Sign up for a free 34 days trial of YNAB, my go-to budgeting app by using my referral link. What stage of the financial journey are you on? Are you working on financial stability or work flexibility? Find out with this free assessment and get a curated list of the 10 next best episodes for you to listen to depending on your stage. Check it out here! Connect with Karen: Website Instagram:@NotSalmon Twitter:@NotSalmon Connect with me: Instagram: @Journeytolaunch Twitter: @JourneyToLaunch Facebook: @Journey To Launch Join the Private Facebook Group Join the Waitlist for My FI Course Get The Free Jumpstart Guide
We're sharing what money management looks like in our houses and in our marriages. We talk about the roles we and our husbands take when it comes to finances, the disagreements we've navigated with our spouses, and what we've learned along the way. Plus, how we're teaching our kids about money.With Friends of the Show on Patreon, we're each sharing a financial conversation that we had in our marriages that made a big impact.See full show notes on our website: Family Money ManagementBecome a Friend of the Show! Join our Patreon community and get bonus content.Connect with us on Instagram: @higirlsnextdoorWe love to get your emails: higirlsnextdoor@gmail.comYour reviews on Apple Podcasts or where ever you listen really help the show – thank you!And, read Kelsey's RISING*SHINING blog and Substack. Hosted on Acast. See acast.com/privacy for more information.
How do I as an early 30s GP in Australia, set goals. In this episode, we talk about financial, professional and personal goals. SMART goals.We talk about 50/30/20 rule for high income earners.Avoiding lifestyle creep- easier said than done often.Other things to consider: super contributions, review personal insurances, setting a budget.Other episodes of interst:Money Management Part 1 (Budgeting, Buckets, and Credit Card Hacks)Income protection Explained (chat with advisor Jason Hugo)Music Credit: Bass Nation.New episode every fortnight.Send in your questions to: passiveincomedoctors[AT]gmail.comIf you are a doctor or dentist interested in property investing Australia, join my community: https://www.facebook.com/groups/315108673770810Follow me on Instagram for first peek at new content, and my day-to-day life. Dr Dan (@passiveincomedoctors) • Instagram photos and videos
Send us a textIs the historical Viewmaster style of traditional wealth accumulation with no frills or technology still valid, or have traditional wealth accumulation concepts been replaced and negated by more modern approaches?If you'd like to be a part of a free online retirement community, join us on Facebook: https://www.facebook.com/groups/399117455706255/?ref=share
Whether you just signed a major deal, went viral, or hit a financial windfall, this blog breaks down exactly what to do when millions hit your account overnight. From building a financial dream team to protecting your peace and privacy, this is your playbook for preserving wealth, avoiding mistakes, and creating lasting freedom—not just flashy spending.Don't rush to spendProtect your privacyLearn how to make your money grow Avoid common traps that ruin new millionairesThe real win isn't luxury—it's peace of mind.Check us out - Instagram and Twitter: JeroldJax Facebook: Jerold Action Jackson and Zone Of Action JeroldJackson.com Happiness starts with you. Not with your relationship, not with your job, not with your money, but with you in the Zone of Action.
Send us a textJoin us on Average Joe Finances as our guest Chad Ackerman about his remarkable journey from a corporate HR professional to a successful real estate syndicator and business coach. Chad shares his personal story, detailing how he transitioned from his W2 job and navigated the challenges of the real estate investment world. He discusses his initial mistakes, the importance of having clear goals, and the strategies he employed to achieve financial independence. Chad also touches on the significance of due diligence, community involvement, and overcoming imposter syndrome.In this episode:Learn how a casual workplace conversation sparked Chad Ackerman's journey from HR professional to full-time real estate investor.Discover why defining your personal “buy box” can eliminate emotional investing and clarify your financial goals.Understand the power of community—how local meetups and online forums like BiggerPockets can accelerate your growth.Gain insight into how coaching and mentorship can help overcome imposter syndrome and build investor confidence.And so much more!Key Moments:00:56 Meet Chad Ackerman01:33 Chad's Real Estate Journey Begins03:24 First Investment Lessons04:30 Building a Real Estate Community05:37 Partnership with BiggerPockets06:15 Transition to Business Coaching10:12 Importance of Due Diligence16:00 Defining Your Buy Box18:18 Overcoming Imposter Syndrome19:46 Leveraging Coaching Skills for Investment Success20:09 Overcoming Financial Hurdles with Tribe Vest20:51 The Importance of Accountability in Achieving Goals21:17 Mentors vs. Coaches: Understanding the Difference22:05 Alternative Investment Strategies and Education24:05 Chad's Journey from HR to Business Coach28:33 Final Round: Insights and Reflections34:08 Closing Thoughts and Final AdviceFind Chad AckermanWebsite: https://chadackerman.focalpointcoaching.com/Linkedin: https://www.linkedin.com/in/chad-ackerman-8089a8a/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
This week on the show, we're joined by Stephanie Cowser from Cowser Consulting. Stephanie is a CPA and fractional CFO who shares why it's essential for business owners to have expert support when it comes to accounting, tax planning, and overall financial strategy. Whether you're just starting out or growing fast, this episode is packed with valuable insights that can help you take control of your business finances. Connect with Stephanie:
This week, I sit down with Mackenzie Burnett, co-founder and CEO of Ambrook, for a conversation that blends tech, ag, leadership, and the courage to jump into something new. Mackenzie shares her path from software and policy into agriculture, why building financial tools for farmers and ranchers became her passion, and how showing up with curiosity (and asking plenty of questions) has been key to Ambrook's success. We also dig into what it takes to build trust in ag communities, why feedback is a gift, and how imposter syndrome shouldn't keep you from solving problems you care about. We cover everything from the realities of startup life to what it's like leading in a niche industry, plus Mackenzie's surprising journey to becoming an amateur boxer. Whether you're an entrepreneur, ag business owner, or just someone curious about blending industries, this episode is packed with insight and inspiration. Resources & Links: The Inner Ring by C.S. Lewis Join The Directory Of The West Get our FREE resource for Writing a Strong Job Description Get our FREE resource for Making the Most of Your Internship Email us at hello@ofthewest.co Join the Of The West Email List List your jobs on Of The West Connect with Mackenzie: Follow on X @ciaomack Visit the Ambrook website Connect with Jessie: Follow on Instagram @ofthewest.co and @mrsjjarv Follow on Facebook @jobsofthewest Check out the Of The West website Be sure to subscribe/follow the show so you never miss an episode! Learn more about your ad choices. Visit megaphone.fm/adchoices
In this episode: intentionality with money, understanding financial independence, hiring your kids for tax benefits, FIRE movement, building a legacy with Andrew WindhamEpisode SummaryAdam welcomes Andrew Windham to the Mindful FIRE Podcast. They delve into the importance of being intentional with money and using it as a tool to create a meaningful life. Andrew shares his journey in financial services, discusses the FIRE movement, and offers insights on hiring your kids for tax benefits. The conversation emphasizes the importance of living purposefully and aligning financial decisions with personal values.Guest BioAndrew Windham is a financial expert and entrepreneur dedicated to helping families achieve Financial Independence. With a background in finance and a passion for serving others, Andrew focuses on guiding clients towards intentional financial decisions that align with their values. He is also the host of the Educated Freedom podcast.Resources & Books Mentioned"The E-Myth" by Michael Gerber"The Road Less Stupid" by Keith CunninghamNuCalm app for meditation and relaxationContact Andrew via LinkedIn or Email and mention "Mindful FIRE podcast" to get the "How to Hire Your Kid" and "Automated Cashflow" resources.Guest Contact InformationLinkedIn: https://www.linkedin.com/in/andrewwindham/Email: andrew@educatedfreedom.comThe Educated Freedom Podcast: https://collegeplanninginstitute.com/educated-freedom-podcast/Key TakeawaysBeing intentional with money can lead to a more fulfilling life.The FIRE movement emphasizes Financial Independence and living with purpose rather than simply retiring early.Hiring kids for tasks in a business can provide tax benefits and teach them financial responsibility.Simplifying financial goals and aligning them with personal values is crucial for achieving Financial Independence.Reflection and journaling can help clarify what is truly important in life and business.Embracing progress over perfection can lead to greater success and satisfaction in financial journeys.PS: Introducing the…
In this episode of SHE MD, host Mary Alice Haney welcomes Vivian Tu, the financial literacy expert behind "Your Rich BFF." Vivian shares her journey from Wall Street to social media stardom, offering invaluable insights on women's financial empowerment. The conversation covers everything from negotiating salaries to teaching children about money. Vivian introduces her "STRIP Method" for building wealth and offers practical advice on investing, avoiding lifestyle creep, and changing money mindsets.Access more information about the podcast and additional expert health tips by visiting SHE MD Podcast and Ovii. Sponsors: Timeline: Timeline is offering10% off your order of Mitopure. Go to timeline.com/SHEMD.Cymbiotika: Go to Cymbiotika.com/SHEMD for 20% off your order + free shipping today.Vionic: Use code SHEMD at checkout for 15% off your entire order at www.vionicshoes.com when you log into your account. 1 time use only.SleepMe: Visit www.sleep.me/SHEMD to get your Chilipad at 20% off with code SHEMD1MD: Visit 1MD.org, use code SHEMD, and enjoy 15% off your first order. Vivian Tu's 5 Key Takeaways:Secure Your Financial Foundation: Your Rich BFF, Vivian highlights that women should actively participate in their personal finances. The "STRIP Method" (Savings, Total debt, Retirement, Invest, Plan) provides a comprehensive approach to personal finance management. Smart Money Habits With Kids and Family: Involve teens in budgeting, investing basics, and college savings (e.g., 529 plans). Use allowances as teaching tools—split into Save/Spend/Give categories. Plan a "money date" with your partner to review finances together so you can establish your financial expectations as partners.Create Multiple Income Streams: Monetize skills (freelancing, consulting) or invest in rental properties/dividend stocks. Side hustles and passive income accelerate wealth and provide security.Invest Strategically for Long-Term Growth: Maximize retirement accounts (401(k), IRA) and invest in low-cost index funds or ETFs. Time is still on your side—compound growth works even in your 40s/50s.Plan Your Legacy Now: Draft a will, set up trusts, and discuss inheritance plans with family. Estate planning avoids legal battles and ensures your wealth benefits loved ones.In This Episode: (00:00) Introduction(01:24) Who is Your Rich BFF - Vivian Tu?(02:33) Vivian's journey from Wall Street to TikTok(05:33) Your Rich BFF Podcast: Networth and Chill(06:23) Women's underrepresentation in venture capital(09:20) Biggest financial lesson from Wall Street(11:35) Importance of choosing the right partner(19:46) Teaching children about financial literacy(24:09) Advice for women returning to the workforce(26:16) How to start investing with little money(27:45) The best thing Vivian learned from a guest on her podcast(28:30) The STRIP Method for financial success(36:30) Understanding and avoiding lifestyle creep(39:45) Rich people help each other succeedRESOURCES:Vivian Tu | Your Rich BFF Instagram: https://www.instagram.com/your.richbff/?hl=enVivian Tu | Your Rich BFF TikTok : https://www.tiktok.com/@yourrichbff?lang=enYour Rich BFF YouTube : https://www.youtube.com/yourrichbffNetworth and Chill Podcast : https://podcasts.apple.com/us/podcast/networth-and-chill-with-your-rich-bff/id1676999261GUEST BIOGRAPHY:Vivian Tu is a former Wall Street trader turned financial educator, NYT bestselling author, and CEO of Your Rich BFF. With 8M+ followers, she's a Forbes 30 Under 30 honoree making finance accessible through viral content, her chart-topping podcast Net Worth & Chill, and partnerships with brands like SoFi, Lululemon, and Adobe. Her debut book, RICH AF, was a 7-figure deal with Penguin Random House. See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.
Send us a textThere are several basic and essential rules of personal finance that should be learned and followed. NO ONE wants to reach retirement age with little or no money, and no way to catch up! If you'd like to be a part of a free online retirement community, join us on Facebook: https://www.facebook.com/groups/399117455706255/?ref=share
Money isn't just about numbers; it's about the stories we tell ourselves, the emotions that drive our decisions, and the beliefs we've carried since childhood. In this eye-opening conversation with award-winning finance expert Natasha Janssens, we explore the fascinating world of money psychology and why understanding your emotional relationship with money matters more than any investment strategy. Natasha Janssens is the author of Wonder Woman's Guide to Money, a multi-award-winning finance expert and a regular contributor in the media. She is a qualified accountant, mortgage broker, behavioural money coach and ex-financial planner with over 20 years of experience. From childhood trauma to scammer vulnerabilities, Natasha reveals how our past shapes our financial future and provides practical tools to rewrite our money story.Key TakeawaysYour Money Story Shapes EverythingThe beliefs you formed about money in childhood, whether from experiencing scarcity, hearing "money doesn't grow on trees," or watching how your parents handled stress, continue to drive your financial decisions today. Start by writing your "money bio" to uncover these patterns and challenge beliefs that no longer serve you.Emotions Trump Logic in Financial DecisionsWhile we think money decisions are logical, neuroscience shows that the emotional, instinctual parts of our brain make decisions faster than our rational mind. Learning to slow down and engage your logical brain before making financial choices is crucial for long-term wealth building.Women Face Unique VulnerabilitiesScammers specifically target women in their 50s by exploiting fears about retirement security. Building confidence in your financial capabilities and trusting your instincts are your best defences. Remember: if someone pressures you to make quick decisions about money, it's likely a red flag.Take Time with Major Financial EventsWhether facing divorce, inheritance, death of a spouse, or retirement, resist pressure to make immediate investment decisions. Put lump sums in term deposits or high-interest savings accounts while you process and plan. Sometimes, doing nothing is the smartest financial move.You're More Capable Than You ThinkMany women who believe they're "bad with money" are actually incredibly resourceful and capable. Don't delegate away all financial decisions—even with advisors, ensure you understand and feel comfortable with every choice being made with your money.Moving ForwardThe biggest shift happens when you realise that money isn't about perfection, it's about awareness and intentional choices. Whether you're starting from financial stress or building wealth, begin by understanding your money triggers and creating space between emotion and action.Connect with NatashaWebsite: https://womenwithcents.com.au/ Take the money type quiz at https://womenwithcents.com.au/take-money-type-quiz/ to identify your patterns, then start small: track your spending emotions for a week, question one limiting belief about money, or have one honest conversation about finances with someone you trust.Book: Wonder Woman's Guide to Money: The Busy Woman's Guide to Money Management and Wealth Building https://www.amazon.com.au/Wonder-Womans-Guide-Money-Management/dp/0648244288 LinkedIn https://au.linkedin.com/in/natasha-janssens-wwcConnect with meBook your 20-minute connection call https://calendly.com/jo--138/20min?month=2025-07 RE-IMAGINE: A personalised 1:1 six-week mentoring programme https://www.joclarkcoaching.com/work-with-me Share your journey with me by sending me a message on Instagram at https://www.instagram.com/joclarkcoaching/ LinkedIn https://www.linkedin.com/in/joclarkcoaching/Email me your success story at jo@joclarkcoaching.com. What you do today shapes your tomorrow. Your health matters because YOU matter.Here's to redefining midlife and making our next half of life even better than the first.
Send us a textJoin us on Average Joe Finances as our guest Brian Truman, a seasoned professional with an intriguing career trajectory. From starting as a sports broadcaster, transitioning to a 22-year-long career in government contracting, to owning the largest business brokerage in Nashville, Brian shares his journey. He emphasizes the importance of relationships over transactions in the real estate business, discusses the thriving multifamily market in Nashville, and offers advice for newcomers looking to delve into multifamily real estate investing. Brian's insights on the significance of networking, continuous learning, and taking action in real estate investing provide valuable takeaways for both novice and experienced investors.In this episode:Discover how transitioning from business ownership to real estate can accelerate your path to financial freedom.Learn why Nashville's booming, diversified economy makes it a prime location for real estate investing.Understand the value of building authentic relationships over chasing short-term transactions.Gain practical tips on how new investors can start small, build confidence, and scale into multifamily deals.And so much more!Key Moments:00:54 Guest Introduction: Brian Truman's Background01:26 Transition to Real Estate: From Broadcasting to Brokerage01:58 Selling the Business and Moving into Real Estate02:56 Commercial Real Estate and Business Brokerage06:43 Multifamily Real Estate Focus15:56 Why Nashville?21:07 The Importance of Relationships in Real Estate25:08 Straight Shooter Broker Insights26:45 Multifamily Real Estate for Everyone27:30 Getting Started in Real Estate Investing30:13 The Importance of Due Diligence39:12 Final Round: Personal Insights44:15 Contact Information and Final ThoughtsFind Brian Truman:Website: https://accelcre.comLinkedin: https://www.linkedin.com/in/brian-truman-1164418/ 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
July 19, 2025 - Money management advice with Jackie McCann-Scott by VOCM
July 19, 2025 - Money management advice with Jackie McCann-Scott by VOCM
July 19, 2025 - Money management advice with Jackie McCann-Scott by VOCM
Today, on Karl and Crew, we dove deeper into our weekly theme of “Killing Sin” by discussing the importance of eradicating sin. We were all born into sin, so it’s the nature of our flesh to sin, but we aren’t bound to it because Jesus Christ delivered us from it. As followers of Christ, we are to cast down and kill the sin, which is precisely what God wants us to do. We turned to Proverbs 6:16-19, where we see how God feels about sin. We then examined Romans 12:1-2, where Paul instructs us to present our bodies as holy to God and not to be conformed to the world. Are you killing the sin in your life? Dr. Drew Dickens also joined us to discuss how Artificial Intelligence (AI) can help us overcome sin. Dr. Dickens is a visionary leader, AI expert, and scholar who has made significant contributions to the intersection of technology, spirituality, and faith-based engagement. He is also the founder of the Encountering Peace app and the Encounter Podcast, which provides biblical meditations, resources, and dialogue. Dr. Dickens has also authored the book “Whispers of the Spirit: A 40-Day Guide to Intimate Prayer.” We then had Rob West join us to discuss the three sins we need to overcome to achieve biblical financial stewardship: Greed, Fear, and Pride. Rob West is the host of the nationally syndicated radio program, Faith and Finance Live, which airs weekday afternoons at 3 pm on 90.1FM. He is also the host of the Faith and Finance podcast and the CEO of Kingdom Advisors, a community of financial professionals who deliver biblically wise financial advice. Rob has also authored the 21-day devotional, “Look at the Sparrows.” You can hear the highlights of today's program on the Karl and Crew Showcast. If you're looking to hear a particular segment from the show, look at the following time stamps: Gospel (Killing Sin) [ 57:50-01:06:27] Dr. Drew Dickens Interview (Killing Sin with AI) [ 06:56-23:34 ] Rob West Interview (3 sins of Poor Money Managment) [ 42:55-57:40 ]Donate to Moody Radio: http://moodyradio.org/donateto/morningshowSee omnystudio.com/listener for privacy information.
Today, on Karl and Crew, we dove deeper into our weekly theme of “Killing Sin” by discussing the importance of eradicating sin. We were all born into sin, so it’s the nature of our flesh to sin, but we aren’t bound to it because Jesus Christ delivered us from it. As followers of Christ, we are to cast down and kill the sin, which is precisely what God wants us to do. We turned to Proverbs 6:16-19, where we see how God feels about sin. We then examined Romans 12:1-2, where Paul instructs us to present our bodies as holy to God and not to be conformed to the world. Are you killing the sin in your life? Dr. Drew Dickens also joined us to discuss how Artificial Intelligence (AI) can help us overcome sin. Dr. Dickens is a visionary leader, AI expert, and scholar who has made significant contributions to the intersection of technology, spirituality, and faith-based engagement. He is also the founder of the Encountering Peace app and the Encounter Podcast, which provides biblical meditations, resources, and dialogue. Dr. Dickens has also authored the book “Whispers of the Spirit: A 40-Day Guide to Intimate Prayer.” We then had Rob West join us to discuss the three sins we need to overcome to achieve biblical financial stewardship: Greed, Fear, and Pride. Rob West is the host of the nationally syndicated radio program, Faith and Finance Live, which airs weekday afternoons at 3 pm on 90.1FM. He is also the host of the Faith and Finance podcast and the CEO of Kingdom Advisors, a community of financial professionals who deliver biblically wise financial advice. Rob has also authored the 21-day devotional, “Look at the Sparrows.” You can hear the highlights of today's program on the Karl and Crew Showcast. If you're looking to hear a particular segment from the show, look at the following time stamps: Gospel (Killing Sin) [ 57:50-01:06:27] Dr. Drew Dickens Interview (Killing Sin with AI) [ 06:56-23:34 ] Rob West Interview (3 sins of Poor Money Managment) [ 42:55-57:40 ]Donate to Moody Radio: http://moodyradio.org/donateto/morningshowSee omnystudio.com/listener for privacy information.
Today, on Karl and Crew, we dove deeper into our weekly theme of “Killing Sin” by discussing the importance of eradicating sin. We were all born into sin, so it’s the nature of our flesh to sin, but we aren’t bound to it because Jesus Christ delivered us from it. As followers of Christ, we are to cast down and kill the sin, which is precisely what God wants us to do. We turned to Proverbs 6:16-19, where we see how God feels about sin. We then examined Romans 12:1-2, where Paul instructs us to present our bodies as holy to God and not to be conformed to the world. Are you killing the sin in your life? Dr. Drew Dickens also joined us to discuss how Artificial Intelligence (AI) can help us overcome sin. Dr. Dickens is a visionary leader, AI expert, and scholar who has made significant contributions to the intersection of technology, spirituality, and faith-based engagement. He is also the founder of the Encountering Peace app and the Encounter Podcast, which provides biblical meditations, resources, and dialogue. Dr. Dickens has also authored the book “Whispers of the Spirit: A 40-Day Guide to Intimate Prayer.” We then had Rob West join us to discuss the three sins we need to overcome to achieve biblical financial stewardship: Greed, Fear, and Pride. Rob West is the host of the nationally syndicated radio program, Faith and Finance Live, which airs weekday afternoons at 3 pm on 90.1FM. He is also the host of the Faith and Finance podcast and the CEO of Kingdom Advisors, a community of financial professionals who deliver biblically wise financial advice. Rob has also authored the 21-day devotional, “Look at the Sparrows.” You can hear the highlights of today's program on the Karl and Crew Showcast. If you're looking to hear a particular segment from the show, look at the following time stamps: Gospel (Killing Sin) [ 57:50-01:06:27] Dr. Drew Dickens Interview (Killing Sin with AI) [ 06:56-23:34 ] Rob West Interview (3 sins of Poor Money Managment) [ 42:55-57:40 ]Donate to Moody Radio: http://moodyradio.org/donateto/morningshowSee omnystudio.com/listener for privacy information.
Today, on Karl and Crew, we dove deeper into our weekly theme of “Killing Sin” by discussing the importance of eradicating sin. We were all born into sin, so it’s the nature of our flesh to sin, but we aren’t bound to it because Jesus Christ delivered us from it. As followers of Christ, we are to cast down and kill the sin, which is precisely what God wants us to do. We turned to Proverbs 6:16-19, where we see how God feels about sin. We then examined Romans 12:1-2, where Paul instructs us to present our bodies as holy to God and not to be conformed to the world. Are you killing the sin in your life? Dr. Drew Dickens also joined us to discuss how Artificial Intelligence (AI) can help us overcome sin. Dr. Dickens is a visionary leader, AI expert, and scholar who has made significant contributions to the intersection of technology, spirituality, and faith-based engagement. He is also the founder of the Encountering Peace app and the Encounter Podcast, which provides biblical meditations, resources, and dialogue. Dr. Dickens has also authored the book “Whispers of the Spirit: A 40-Day Guide to Intimate Prayer.” We then had Rob West join us to discuss the three sins we need to overcome to achieve biblical financial stewardship: Greed, Fear, and Pride. Rob West is the host of the nationally syndicated radio program, Faith and Finance Live, which airs weekday afternoons at 3 pm on 90.1FM. He is also the host of the Faith and Finance podcast and the CEO of Kingdom Advisors, a community of financial professionals who deliver biblically wise financial advice. Rob has also authored the 21-day devotional, “Look at the Sparrows.” You can hear the highlights of today's program on the Karl and Crew Showcast. If you're looking to hear a particular segment from the show, look at the following time stamps: Gospel (Killing Sin) [ 57:50-01:06:27] Dr. Drew Dickens Interview (Killing Sin with AI) [ 06:56-23:34 ] Rob West Interview (3 sins of Poor Money Managment) [ 42:55-57:40 ]Donate to Moody Radio: http://moodyradio.org/donateto/morningshowSee omnystudio.com/listener for privacy information.
Today, on Karl and Crew, we dove deeper into our weekly theme of “Killing Sin” by discussing the importance of eradicating sin. We were all born into sin, so it’s the nature of our flesh to sin, but we aren’t bound to it because Jesus Christ delivered us from it. As followers of Christ, we are to cast down and kill the sin, which is precisely what God wants us to do. We turned to Proverbs 6:16-19, where we see how God feels about sin. We then examined Romans 12:1-2, where Paul instructs us to present our bodies as holy to God and not to be conformed to the world. Are you killing the sin in your life? Dr. Drew Dickens also joined us to discuss how Artificial Intelligence (AI) can help us overcome sin. Dr. Dickens is a visionary leader, AI expert, and scholar who has made significant contributions to the intersection of technology, spirituality, and faith-based engagement. He is also the founder of the Encountering Peace app and the Encounter Podcast, which provides biblical meditations, resources, and dialogue. Dr. Dickens has also authored the book “Whispers of the Spirit: A 40-Day Guide to Intimate Prayer.” We then had Rob West join us to discuss the three sins we need to overcome to achieve biblical financial stewardship: Greed, Fear, and Pride. Rob West is the host of the nationally syndicated radio program, Faith and Finance Live, which airs weekday afternoons at 3 pm on 90.1FM. He is also the host of the Faith and Finance podcast and the CEO of Kingdom Advisors, a community of financial professionals who deliver biblically wise financial advice. Rob has also authored the 21-day devotional, “Look at the Sparrows.” You can hear the highlights of today's program on the Karl and Crew Showcast. If you're looking to hear a particular segment from the show, look at the following time stamps: Gospel (Killing Sin) [ 57:50-01:06:27] Dr. Drew Dickens Interview (Killing Sin with AI) [ 06:56-23:34 ] Rob West Interview (3 sins of Poor Money Managment) [ 42:55-57:40 ]Donate to Moody Radio: http://moodyradio.org/donateto/morningshowSee omnystudio.com/listener for privacy information.
Today, on Karl and Crew, we dove deeper into our weekly theme of “Killing Sin” by discussing the importance of eradicating sin. We were all born into sin, so it’s the nature of our flesh to sin, but we aren’t bound to it because Jesus Christ delivered us from it. As followers of Christ, we are to cast down and kill the sin, which is precisely what God wants us to do. We turned to Proverbs 6:16-19, where we see how God feels about sin. We then examined Romans 12:1-2, where Paul instructs us to present our bodies as holy to God and not to be conformed to the world. Are you killing the sin in your life? Dr. Drew Dickens also joined us to discuss how Artificial Intelligence (AI) can help us overcome sin. Dr. Dickens is a visionary leader, AI expert, and scholar who has made significant contributions to the intersection of technology, spirituality, and faith-based engagement. He is also the founder of the Encountering Peace app and the Encounter Podcast, which provides biblical meditations, resources, and dialogue. Dr. Dickens has also authored the book “Whispers of the Spirit: A 40-Day Guide to Intimate Prayer.” We then had Rob West join us to discuss the three sins we need to overcome to achieve biblical financial stewardship: Greed, Fear, and Pride. Rob West is the host of the nationally syndicated radio program, Faith and Finance Live, which airs weekday afternoons at 3 pm on 90.1FM. He is also the host of the Faith and Finance podcast and the CEO of Kingdom Advisors, a community of financial professionals who deliver biblically wise financial advice. Rob has also authored the 21-day devotional, “Look at the Sparrows.” You can hear the highlights of today's program on the Karl and Crew Showcast. If you're looking to hear a particular segment from the show, look at the following time stamps: Gospel (Killing Sin) [ 57:50-01:06:27] Dr. Drew Dickens Interview (Killing Sin with AI) [ 06:56-23:34 ] Rob West Interview (3 sins of Poor Money Managment) [ 42:55-57:40 ]Donate to Moody Radio: http://moodyradio.org/donateto/morningshowSee omnystudio.com/listener for privacy information.
In this eye-opening episode, Christina Lecuyer breaks down common myths about success and reveals why it's not about money, appearance, or social status. Instead, she dives into the power of mindset, the importance of personal fulfillment, and how building a strong community can transform your journey. Tune in to discover how to redefine success on your own terms and focus on what truly matters in life.
Have you ever heard people talking about net worth and wondered what it means? Well, today, you are going to learn! Links: Watch our Financial Freedom Webinar to learn how to strategize and build a debt payoff plan Learn how to set savings goals with Goal Builder Check out TCU University for financial education tips and resources! Follow us on Facebook, Instagram and Twitter! Learn more about Triangle Credit Union Transcript: Welcome to Money Tip Tuesday from the Making Money Personal podcast. Net worth! What is it? Why is it important to track? How do you find out what your financial net worth is? All valid questions, my friends. First, let's define what net worth is. The dictionary defines net worth as "the total wealth of an individual, company, or household, taking account of all financial assets and liabilities." Most people will agree that the definition of net worth is simply: assets - liabilities = net worth. Now that we know what it is, why is it essential to track it? Well, it allows you to see your financial situation at any point and whether your wealth is increasing or decreasing. Tracking your net worth is important because it gives you a clear picture of your financial health and can help you make informed decisions about your money. Please know that it is very possible to have a negative net worth. This means that you owe more money than what your assets are worth. We'll talk a little more about this later. Now, let's take a look at how you can figure yours out. Are you ready? Ok... take out a piece of paper and a pen or pencil. Draw a line straight down the middle. On one side, you are going to write the word assets, and on the other, write the word liabilities. On the assets side, make a list of valuable items that you own… think bank accounts, investment accounts like 401(k)s, any real estate property that you may own, personal property such as cars, or other items that have value. Next to these items, write down their approximate value. Here is an example of what this may look like (we'll use easy round numbers for simple math): Bank Accounts - $5,000 Personal Home - $300,000 401(K) - $50,000 Car - $20,000 At the bottom, you will write the total for all assets. In this example, we will have a total of $375,000. Nice! On the liabilities side of your sheet, make a list of your liabilities. Liabilities are the debts that you may owe. Next to them, write the balance so again, for easy math, in this example, we will do Mortgage - $210,000 Credit Card Debt - $5,000 Auto Loan - $10,000 Student Loans - $50,000 And that Home Equity Line of Credit you took out to fix up your house - $40,000 At the bottom, you will write the total for all liabilities. In this example, we have $315,000. Ouch! Now, we have the numbers we need to calculate net worth. Remember, net worth equals assets minus liabilities. In my example, the assets total $375,000, while the liabilities amount to $315,000, resulting in a total net worth of $60,000. Not too shabby. Let's say you calculated yours, and you didn't like what you got. You got a negative number. This means that your debts exceed the value of your assets. Let's flip my example and say you have a negative $60,000. Do not get discouraged. Many families and individuals are right there with you. According to MarketWatch, one in five Americans has a zero or negative net worth. You're not alone in this journey. Instead of dwelling on it, get motivated to get that number into the positive. You got this! Here are a couple quick tips on how to improve your net worth: Work to pay down existing debts. Focus on developing a method to really pay down debt. Read a book, attend a seminar, or watch one of our debt reduction webinar recordings on YouTube to learn all about the process of taking control of and tackling debt. Check the link in the show notes to watch. Avoid taking on any new debt. Put those credit cards away and try paying cash or use a debit card more. Even if only for a short time, this method can effectively help you avoid adding onto that growing debt pile and keeps you more conscious of spending habits. Adjust your budget to emphasize saving. Every saving opportunity can boost your net worth. Explore opportunities to increase savings like boosting retirement contributions, and opening a new account for emergencies or other long-term goals. For Triangle members listening to this episode, we actually have a lot of cool tools available within our online and mobile banking platform to help you track net worth, pay down debt and set savings goals. Check out Money Management within online and mobile banking to track your net worth as it grows, set budgets and even debt payoff goals. We also have a tool called Goal Builder that helps you set up and track savings goals within your Triangle savings accounts. This is great if you're looking for an easy way to save more for emergencies, a new car, a house downpayment or any other long or short term goal. Alright, that's going to do it! I hope you learned something new today, and we've given you the motivation to look into your net worth and grow your wealth! Remember, it's never too late to start building your financial future. If there are any other tips or topics you would like us to cover, let us know at tcupodcast@trianglecu.org. Like and follow our Making Money Personal FB and IG page and look for our sponsor, Triangle Credit Union on social media to share your thoughts. Thanks for listening to today's Money Tip Tuesday and check out our other tips and episodes on the Making Money Personal podcast. Have a great day!
Let's be honest, teaching kids about money can feel intimidating.This episode is packed with practical strategies and empowering encouragement.Here's what you'll take away from our conversation:Why budgeting is essential for teensHow emotional language can help kids process money stressOne simple phrase that opens the door to healthier financial habitsHow to model smart financial decisions—even when you make mistakesA free tool that empowers teens to track their money in just one hourYou don't have to be a financial whiz, you just need to be willing to have the conversation.Resources We Mentioned for Money Management for TeensOne Hour Budget for Teens (Use code LIFESKILLS for $19!)10 side hustles for teens freebie15 financial skills for teens freebieGet Crystal's booksThe Time-Saving Mom: Azon, BookshopLove-Centered Parenting: Azon, BookshopMoney-Making Mom: Azon, BookshopSay Goodbye to Survival Mode: AzonThe Money Saving Mom's Budget: Azon, Bookshop21 Days to a More Disciplined Life: AzonShop Perfect Supplements at https://kidscookrealfood.com/perfect! Kitchen Stewardship Kids Cook Real Food follow Katie on Instagram or Facebook Subscribe to the newsletter to get weekly updates YouTube shorts channel for HPH Find the Healthy Parenting Handbook at kidscookrealfood.com/podcast Affiliate links used here. Thanks for supporting the Healthy Parenting Handbook!
Send us a text“Family isn't defined only by last names or by blood; it's defined by commitment and by love.” – Dave Willis.Many new homes are built without a dedicated space for family communal dining. This building trend says volumes about American family units today.If you'd like to be a part of a free online retirement community, join us on Facebook: https://www.facebook.com/groups/399117455706255/?ref=share
Send us a textJoin us on Average Joe Finances as our guest Carlos Samaniego, discusses his transformative journey from a young EMT making financial mistakes to becoming a tax debt consultant. Carlos recounts how bad advice led him to claim excessive tax exemptions, resulting in a significant IRS debt and years of unfiled taxes. This tumultuous experience inspired him to help others navigate tax issues, ultimately leading to the founding of his company, Tax Debt Consultants. Carlos shares valuable insights on dealing with IRS debt, the importance of immediate action, and the role of tax professionals in safeguarding against compounded interests and penalties.In this episode:Learn how unresolved tax issues can snowball and why early intervention is key to minimizing damage.Discover the power of representation and how a tax professional can negotiate massive debt reductions.Grasp the importance of separating personal and business finances to stay organized and audit-ready.Understand why ignoring IRS letters only worsens your situation and how facing them can lead to relief.And so much more!Key Moments:01:35 Meet Carlos Samaniego: A Journey from Military to Tax Professional02:12 The Tax Mistake That Changed Everything04:00 The Road to Tax Debt Consultants05:56 The Importance of Hiring a Tax Professional10:33 Understanding Tax Problems and Resolutions14:01 The IRS and COVID: A Collection Pause15:32 The Consequences of Ignoring IRS Letters19:06 Non-Filers: The IRS is Watching23:25 Success Stories: From Massive Debt to Relief27:32 Success Stories and Their Importance28:23 The Offer in Compromise Program Explained30:37 Negotiating with the IRS: Real-Life Examples31:57 The Five-Year Probation Period35:01 Choosing the Right Tax Professional37:35 Final Round: Quick Fire Questions44:55 Where to Find More Information46:58 Closing Remarks and Thank YouFind Carlos Samaniego:Speaker Website:https://carlossamaniego.com/ Company Website: https://www.taxdebtconsultant.com/LinkedIn: https://www.linkedin.com/in/carlossamaniego/Facebook:https://www.facebook.com/taxdebtconsultant/Instagram: https://www.instagram.com/jcarlossamaniego/X: https://x.com/carlossamaniego 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
1394 Small business owners are drowning in disconnected tools, outdated financial processes, and rising economic pressure. But what if the right system could streamline it all—automate, unify, and help you finally scale? Today's guest is doing exactly that… Meet Gilad Uziely!Website: https://getsequence.ioSocial Media: @getsequence.io________ Go to www.BusinessBros.biz to be a guest on the show or to find out more on how we can help you get more customers! #Businesspodcasts #smallbusinesspodcast #businessmarketingtips #businessgrowthtips #strategicthinking #businessmastery #successinbusiness #businesshacks #marketingstrategist #wealthcreators #businessstrategies #businesseducation #businesstools #businesspodcast #businessmodel #growthmarketing #businesshelp #businesssupport #salesfunnel #buildyourbusiness #podcastinglife #successgoals #wealthcreation #marketingcoach #smallbusinesstips #businessmarketing #marketingconsultant #entrepreneurtips #businessstrategy #growyourbusinessWant to create live streams like this? Check out StreamYard: https://streamyard.com/pal/d/6164371927990272
In this episode of the Decide It's Your Turn podcast, Christina Lecuyer discusses her journey of continuous improvement in podcasting, the integration of AI tools in her coaching practice, and the importance of human connection in a technology-driven world. She shares insights from her client sessions, focusing on financial planning, career development, and work-life balance, emphasizing the need for action and clarity in achieving personal and professional goals.
This week, I'm joined by Dan Farmer—a former U.S. Air Force F-4 pilot in the 1970's and someone I recently had the honor of meeting at our local gym. In this episode, we dive into the powerful life lessons the military taught him, his keys to a successful marriage, how to get ahead in life, money management, navigating hardship and loss, why staying physically active in your 70s matters, his passion for luxury watches, and much more. Enjoy.BrainTree Nutrition: Use code "NOCK" for 15% off at https://www.braintreenutrition.com/?ref=NOCKElite Hunt Club: https://elitehuntclub.com/Interested in my private coaching & FREE workouts? Link below.http://www.nockperformance.com/This episode is brought to you by Barbell Apparel:https://barbellapparel.com/?rstr=nockperformanceUse code "NockP" for 10% off at https://www.alpyntripod.com/Use code "NockP" for 10% off at https://ollin.co/Use code "NockP15" for 15% off your first order at www.farewellcoffeeroasters.comUse code "NockP" for 20% off all ointments at getsaltybritches.comUse code "NockP" for 15% off at alpenfuel.comUse code "NockP" for 15% off at strongcoffeecompany.com
Send us a textJoin us on Average Joe Finances as our guest Adi Klevit, an expert in process documentation and optimization, shares her journey from industrial engineering to founding her own business. She delves into the importance of documenting business processes, offering a step-by-step guide on how to start and refine these systems. The conversation covers various aspects such as the mindset needed for process implementation, the significance of delegation, and the benefits of having well-documented procedures. In this episode:Learn how documenting processes can unlock time, freedom, and long-term business scalability.Discover why starting with your biggest bottlenecks yields the highest ROI in system optimization.Grasp how process mapping and clear delegation improve team accountability and consistency.Understand the mindset shift needed for visionary leaders to embrace a process-driven business culture.And so much more!Key Moments:00:59 Guest Introduction: Adi Klevit01:31 The Importance of Process Documentation02:45 Challenges in Process Documentation03:26 Steps to Effective Process Documentation06:23 Return on Investment and Freedom11:42 Delegation and Process Mapping16:21 Mindset for Process-Driven Leadership17:42 Defining Standards and Processes18:19 Mindset and Accountability in Leadership19:07 Visionaries and Process Implementation21:43 Coaching and Revising Processes23:31 Starting from Scratch: Overcoming Overwhelm24:35 The Importance of Processes in Business26:38 Final Round: Personal Insights and Advice29:49 Where to Find More Information31:45 Final Thoughts and Closing RemarksFind Adi KlevitWebsite: https://bizsuccesscg.com/LinkedIn: https://www.linkedin.com/in/adiklevit/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
When we published our book Cashing Out in 2022, we knew we were making bold claims about work, money, and freedom. What we didn't know was just how fast the world would catch up to them.In this episode, we revisit our book 3 years after its release to reflect on the stories, predictions, and uncomfortable truths that still hold up in 2025. We also share what we've learned since, and why the book continues to resonate with people across different industries, life stages, and income levels.You'll hear: Why Cashing Out still ranks in the Top 250 Budgeting & Money Management books on Amazon Why financial independence was always about identity, not just math What we saw coming with AI, leadership churn, and the collapse of “safe” careers The surprising reason your first dollar outside of work changes everything Why over-specialization and “career loyalty” quietly keep people stuckWe also share our reflections on the book's impact and what we'd add if we wrote it today.If you haven't read Cashing Out yet, now's a perfect time. And if you've already read it, it's a great time to read it again with your 2025 eyes.Last but not least, if you know someone starting their career or rethinking their future, it makes a great giftLinks: Cashing Out AudiobookCashing Out Hardcover Cashing Out Kindle Connect with Julien and Kiersten on our website, Instagram, Twitter, and YouTube.Join our email list to get updates from us, opportunities for discounts, freebies and a quick rundown on the relevant financial and career news impacting your life. Get our book Cashing Out: Win the Wealth Game by Walking Away, named 2023 best overall book about investing by Business Insider and one of the best personal finance books by ForbesIf you would like to learn more about investing, check out our newest class, Making Money Grow
Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3192: David Baughier lays out seven powerful reasons to bring a financial coach into your life from receiving unbiased advice and tailored strategies to building better habits and staying accountable. If you've struggled with debt, financial anxiety, or simply want to reach your money goals faster, this practical breakdown shows how coaching could be the missing piece. Read along with the original article(s) here: https://www.fiology.com/financial-coaching/ Quotes to ponder: "A financial coach is going to be able to give you the best advice based on your needs." "A financial coach will be able to tailor a custom financial plan to each person's individual situation." "A financial coach will also help you stay on the right path when it comes to paying down your debt, saving money on a regular basis, and maintaining your budget." Episode references: The Simple Path to Wealth: https://www.amazon.com/Simple-Path-Wealth-financial-independence/dp/1533667926 Mr. Money Mustache: https://www.mrmoneymustache.com Learn more about your ad choices. Visit megaphone.fm/adchoices
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