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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
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.
Ep 467 RUSSIAN ARMY, TANZANIA TORTURE, MONEY MANAGEMENT & RUTO'S HOUSING PROGRAM Iko Nini Podcast
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.
Financial Planner Luke Smith joined 2CC Talking Canberra in Money Matters, which aired live on Friday 11 July 2025. The topic for this week is: How much money do I need to retire? It’s a common question asked by those approaching retirement. In this episode, Luke provides some practical ideas and actions to help you […]
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
This is a special edition of Money Management, featuring a mid-year financial checkup presented by Jim Harvey and Andrew Harvey.
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
This season we're diving into the hot topics and issues that we think you need to know about when it comes to your money. This episode is the third in our miniseries where we're talking about the big impact a decade can really have on your finances. We started off by looking at financially where you're at now and then dove deeper into what that looks like, as well as where you'd like to go. In this episode, we continue with this, and Mel talks about challenging what you're working with. Lifestyle creep is something that all of us can fall victim to, as our expenses rise with our income. And as small an impact as you might think it's making, the reality is over time it's adding up. In this episode, Mel offers strategies to manage that lifestyle creep, exploring ways you could potentially increase your income to help you maximise your financial potential over the next decade. If you're stuck wishing you had just a little bit more in your account each pay but have no clue how to make that happen, this is the episode to tune into to make things finally change. For more tips and resources, visit us at melissabrowne.com.au, on Facebook, Instagram or TikTok @MelBrowne.Money or send us an email at hello@melissabrowne.com.au. My Financial Adulting Plan is here 25 Ways to find $10K in 12 months is here Her Wealth, Her Way Conference is here Finally, if you love this episode please make sure you subscribe, share it with a friend and leave us a review.
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
Money talk can be awkward and vulnerable, but it doesn’t have to kill the romance. In this episode, our host Iona Bain is joined by financial adviser and author Bola Sol to unpack the dos and don’ts of managing money with your partner. From combining accounts to spotting red flags, Bola shares practical advice for couples at every stage, whether you've just started dating or planning for a long-term future. You’ll learn smart strategies on financial fairness, keeping your independence, and building a money plan that works for both of you. You can watch episodes on L&G’s YouTube channel And see behind the scenes content on TikTok and Instagram Follow Bola Sol on 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 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.
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
This week on Beyond the Money, Jackie Campbell explores the nuanced differences between being rich and being wealthy, emphasizing the importance of mindset and personal definitions of wealth. She discusses the current market volatility and the necessity of rebalancing portfolios, especially in uncertain times. The conversation also touches on the DIY approach to financial planning, highlighting the benefits of having a human advisor for guidance. Lastly, Jackie delves into the 'broke mentality' and how one's relationship with money can impact financial decisions and overall happiness. For more information or to schedule a consultation call 352-251-1015 or visit www.mycampbellandco.com! Follow us on social media: Facebook | YouTube | X | InstagramSee omnystudio.com/listener for privacy information.
Send us a textJoin me as I interview Cindy Terry, a unique Retiree with a special outlook on life.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
Today, we're sitting down with Doug Lynam - Marine, monk, money coach, and author of Taming Your Money Monster. Doug doesn't just help people build better budgets. He helps them untangle the deep wounds, attachment patterns, and spiritual beliefs that shape how we handle money. We talk about money not as a neutral tool, but as something we carry stories about - stories that often go back to childhood, shaped by shame, fear, or control. Doug shares how the Enneagram and attachment theory can help us make sense of our financial habits and, more importantly, heal them. He offers a vision of financial health that's rooted in authenticity, generosity, and service to a broken world. If you've ever felt anxious around money, avoided looking at your bank account, or struggled to align your finances with your deepest values join us. Doug Lynam graduated at the top of his class from Marine Corps Officer Candidate School in 1995, then turned down his commission to become a Benedictine monk. During his 20-year monastic journey, he headed the mathematics department at a prestigious private school while helping his community recover from bankruptcy. After leaving the monastery in 2017, he joined LongView Asset Management in Santa Fe, New Mexico—a sustainability-focused B Corp—where he helped manage over a quarter-billion in assets. A sought-after authority on conscious wealth creation, Doug is the author of From Monk to Money Manager and Taming Your Money Monster: Nine Paths to Money Mastery with the Enneagram.Doug's Book:Taming Your Money MonsterDoug's Recommendation:12 Rules for LifeSubscribe to Our Substack: Shifting CultureConnect with Joshua: jjohnson@allnations.usGo to www.shiftingculturepodcast.com to interact and donate. Every donation helps to produce more podcasts for you to enjoy.Follow on Facebook, Instagram, Twitter, Threads, Bluesky or YouTubeConsider Giving to the podcast and to the ministry that my wife and I do around the world. Just click on the support the show link belowSubscribe on Substack for Early, Ad-Free Episodes and More Support the show
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
In this episode, Christina sits down with health coach and podcast host Nicole to dive deep into the power of mindset, personal growth, and living a healthier, more intentional life. Nicole shares her inspiring journey from a career in pharmaceuticals to becoming a health coach, revealing how a simple belief—“everything works out for me”—completely shifted her outlook. Together, they explore how mindset shapes wellness, the role of accountability and personal relationships in sustainable change, and how body image and lived experiences impact our health journeys.Nicole also opens up about launching her podcast The Wealthy Healthy Life and her mission to educate and empower others to create lives rooted in both physical and emotional well-being.Whether you're a coach, wellness enthusiast, or just curious about what it means to live a truly balanced life, this conversation will leave you feeling inspired to grow from the inside out.About Nicole JohnsonNicole is a certified health coach, mama, wellness expert and business owner. She focuses on helping women who are burned out, exhausted, and overwhelmed prioritize themselves and their health. Struggling with her own health issues and not being able to get answers from the conventional medicine route, she realized just how much our lifestyles contribute to our overall well-being. This ultimately led Nicole to become a health coach so she could help others who are struggling. Nicole leads with authenticity and honesty while helping her clients reach their health goals while creating balance. Follow Nicole on Instagram and Listen to her podcast
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Send us a textJoin us on Average Joe Finances as our guest Jon Ostenson discusses the benefits and intricacies of non-food franchise opportunities, touching on Jon's journey from the corporate world to launching Fran Bridge Consulting. Jon shares insights into why non-food franchises can be more stable and less complex compared to food franchises, along with tips for prospective franchisees on how to succeed. The conversation also dives into the tax benefits of business ownership, the importance of networking, the value of following a proven system, and the potential for scaling a franchise business. In this episode:Learn why non-food franchises often offer simpler operations, fewer staffing headaches, and higher margins.Discover how semi-passive franchise ownership can help you build a business while keeping your day job.Explore the strategic advantage of combining real estate investing with complementary franchise models.Understand why following a proven system is the key to long-term success as a franchise owner.And so much more!Key Moments:00:56 Guest Introduction: John Ostenson01:35 Jon's Journey into Franchising02:53 The Appeal of Non-Food Franchises04:33 Franchising vs. Starting a Business06:20 Active vs. Passive Franchise Ownership07:47 Scaling and Success in Franchising14:03 Real Estate and Franchising Synergies18:18 The Importance of Networking in Business18:38 Tax Benefits for Business Owners19:20 Changes in Tax Codes and Their Impact20:06 Leveraging Family in Business for Tax Advantages20:51 The Value of Professional Tax Assistance22:20 The Power of Masterminds and Franchise Systems22:37 Learning from Other Franchisees24:42 The Risks and Rewards of Business Ownership25:24 Final Round: Reflecting on Business and Finance27:12 Tips for Aspiring Franchise Owners28:01 Finding the Right Franchise Fit29:06 Recommended Books and Podcasts30:44 How to Connect with Jon and Learn More32:30 Final Thoughts and EncouragementFind Jon OstensonWebsite: https://franbridgeconsulting.com/LinkedIn: https://www.linkedin.com/in/jonostenson/ 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
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
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
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
Christina unpacks the true meaning of success—not the version society sells us, but the one you define for yourself. She reveals the surprising mindset shifts her most successful clients share: radical personal responsibility, relentless work ethic, and the courage to bet on themselves.Whether you're an entrepreneur, a high achiever, or simply someone who wants more out of life, this conversation will challenge how you think about growth, grit, and what it really means to create a life you're proud of.
Have you ever wondered how you can have it all in your life and business? In this throwback episode of the Sunlight Tax Podcast, I'm talking about focus as an entrepreneur and how I use metrics in my business to decide what to focus on next. Listen to this episode to learn how you can use metrics to have it all and why you need to be focusing on one thing to get your best work. Also mentioned in today's episode: Why you should focus on one thing at a time 8:30 Why batching is so important 13:58 Repetition and how it can help you in business 19:36 The decision metric I use when deciding to take on a new project 39:40 Takeaways You can have it all, but you can't have it all at once. Focus on your current capacity and what will increase it. Specializing in one area can lead to greater success. Batching tasks can help maintain focus and efficiency. Repetition is essential for mastering skills in business. Context switching can drain your cognitive resources. Editing your business can simplify operations and enhance focus. Metrics are crucial for tracking progress and improving processes. Your vision should guide your business decisions. Don't stress about everything; focus on one thing at a time. 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: Link to pre-order my book, Taxes for Humans: Simplify Your Taxes and Change the World When You're Self-Employed. Get your free visual guide to tax deductions Check out my program, Money Bootcamp
Send us a text“Time is what we want most but what we use worst.” — William PennEach passing year changes and shortens my horizon, just like it does yours.And that changes how one approaches life. Does one buy a new house at age 73 and consider a 30-year mortgage? Or does someone engage in the opposite behavior, refraining from buying green bananas?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
Christina shares her personal experiences and reflections on various topics, including her new podcast setup, the quirks of Instagram's algorithm, her concerns about memory and health, and the importance of personal growth. She emphasizes the need for authenticity in the digital age and encourages listeners to engage with content creators in a supportive manner. The conversation is filled with humor, candid anecdotes, and valuable life lessons.
Send us a textJoin us on Average Joe Finances as our guest Gian Pazzia an expert in tax and accounting for real estate. They discuss Gian's background, from his family's humble beginnings in Italy to his current role helping businesses and real estate owners find tax savings through cost segregation studies. Gian explains the benefits of cost segregation, how it accelerates tax deductions for property owners, and how even small real estate investors can benefit using his company's cost segregation software. In this episode:Discover how cost segregation can significantly accelerate depreciation and boost your real estate tax savings.Understand why your investor classification—active or passive—matters when applying tax strategies.Explore how DIY cost segregation tools are making advanced tax planning accessible for small property owners.Learn why building income-generating assets is smarter than trading time for money.And so much more!Key Moments:00:00 Introduction and Welcome00:56 Guest Introduction: Gian Pia's Background02:58 Journey into Structural Engineering and Tax Accounting04:52 Understanding Cost Segregation07:23 Benefits of Cost Segregation for Real Estate Investors14:34 Cost Segregation Software for Small Investors26:38 Final Round: Personal Insights and Advice36:02 Closing Remarks and Final ThoughtsFind Gian PazziaWebsites:Kbkg.comCostSegregation.comFacebook: https://www.facebook.com/gianpiero.pazzia/LinkedIn: https://www.linkedin.com/in/costsegregationservices/Instagram: https://www.instagram.com/gianpazzia/Youtube: https://www.youtube.com/@KBKGTaxIncentivesX: https://x.com/KBKGAverage 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
Can you pay off $300,000 in debt and become a millionaire in your thirties? Bernadette Joy did, and she's here to tell you how. In this episode of Mitlin Money Mindset®, Larry Sprung sits down with Bernadette Joy, CEO of Crush Your Money Goals®, to discuss her journey from corporate employee to self-made millionaire and bestselling author. She shares the personal motivations behind her financial transformation, her unique approach to coaching others, and the hard truths about entrepreneurship, debt, and building true wealth. Bernadette also opens up about the importance of financial conversations, especially with parents, and advocating for wealth equity. Bernadette discusses: How her background and family experiences shaped her mission to help others achieve financial control and independence The turning point that led her from corporate HR to entrepreneurship, and eventually launching Crush Your Money Goals® Her candid view on the cost and value of education, and how her MBA debt impacted her perspective on money The critical need for early and honest financial conversations within families, especially around aging parents and retirement Her commitment to closing the wealth gap for women and empowering others, especially women, to confidently self-promote and lead their financial lives And more! Resources: Mitlin Financial The JOY and Productivity Journal by Lawrence Sprung Download Your Free Copy of the Couple's JOYful Money Guide CRUSH Your Money Goals: 25 Smart Money Habits to Save, Invest, and Fast-Track Your Financial Freedom by Bernadette Joy Connect with Larry Sprung: LinkedIn: Larry Sprung Instagram: Larry Sprung Facebook: Larry Sprung X (Twitter): Larry Sprung Connect with Bernadette Joy: LinkedIn: Bernadette Joy Instagram: Bernadette Joy Website: Crush Your Money Goals® YouTube: @bernadebtjoy About our Guest: As the eighth child in her father's brood of nine and a first-gen Filipina-American, Bernadette Joy understands those who feel like they missed the money memo. Sure, she boasts two bachelor's and a master's, and a decade of Fortune 100 and startup experience. But her real street cred? Paying off a jaw-dropping $300,000 of debt in three years and investing her first $1 million in her 30s! She's also the CEO of Crush Your Money Goals®, a personal finance training company serving up education with a side of pizzazz. A top journalist featured in Forbes, CNBC, and CNET and has appeared on more than 50 podcasts, national radio shows, and TV segments. In the past year, Bernadette has spoken on some of the biggest stages, including South by Southwest, Nasdaq, FinCon, and TEDxHouston, following in the footsteps of her hero, Brené Brown. Her debut book, Crush Your Money Goals®, published by Simon & Schuster, is available now and was named one of Oprah Daily's top 10 books for personal growth in 2025! Today, she coaches hundreds nationwide, sharing her 5-step secret recipe for ditching debt, mastering savings, and investing for financial peace. When she's not speaking, she's practicing early retirement: K-Pop, yoga, karaoke, and spoiling her nieces and nephews as their traveling rich auntie. Disclosure: Guests on the Mitlin Money Mindset are not affiliated with CWM, LLC, and opinions expressed herein may not be representative of CWM, LLC. CWM, LLC is not responsible for the guest's content linked on this site.
Caroline Jones joins Christina to share her journey from being a stay-at-home mom to becoming a successful entrepreneur in the fitness industry. She discusses her connections, the challenges she faced in starting her business, and the importance of community and confidence in her journey. The conversation highlights the significance of having a support system, overcoming self-doubt, and finding joy in work. Together, they discuss the importance of gratitude, personal growth, and overcoming adversity. They share personal stories of struggle and success, emphasizing the need for self-care and the power of networking. The dialogue highlights the significance of saying yes to opportunities and embracing change, particularly in the context of motherhood and business ownership.Caroline Jones, Arkansas native, mom of five, and entrepreneur, I've navigated a winding path—from business and pharmacy to discovering my passions for fitness and painting. Now, as the owner of The Brushed Home and McClure Fitness Bentonville, I'm living my dream while balancing family and growth.Follow Caroline on social: Instagram and TikTok
Ginger interviews Meghan Combs, who shares her journey to financial independence after recently getting married. They discuss budgeting strategies, the significance of personal values in spending, and adapting financial goals amid life transitions. Meghan reflects on her net worth of $527,000 and the impact of automating savings, as well as her desire for meaningful experiences over excessive frugality. As the host of the Everyday FI Podcast she encourages listeners to embrace flexibility in their financial identities. Key Takeaways Wedding Budgets: Meghan shares her strategy to keep her wedding expenses under $10,000 by limiting the guest list and choosing affordable venues. Net Worth Insights: Her current net worth is $527,000, attributed to both her and her husband's financial strategies and property investments. Automate Savings: Automating savings directly from her paycheck has been key to consistency in her financial journey. Money Fluid Identity: Meghan promotes the concept of being “money fluid” rather than strictly identifying as frugal or a spender, allowing for adaptability in financial decisions. Planning for Parenthood: The high costs of starting a family, including IVF, can shift financial priorities and goals. Timestamps 00:00:00 - Introduction to the episode and guest, Meghan Combs. 00:01:06 - Conversation begins with Meghan about her recent wedding. 00:05:32 - Discussion on net worth and financial plans post-marriage. 00:08:42 - Mentioning how life changes affect financial independence goals. 00:32:53 - Emphasizing the importance of adopting a fluid money identity. 00:40:28 - Highlighting the benefits of automating savings. Major Topics Discussed Wedding Planning Meghan shares her experience planning a budget-friendly wedding and the importance of limiting the guest list for cost control. Key Insight: Keep your guest list tight to stay under budget. (00:03:45) Current Financial Position Reflecting on her net worth and how her recent marriage has impacted it. Key Insight: It's okay for your FI number to evolve. (00:08:46) Saving Strategies Meghan's most effective budgeting strategy is automating her savings and critically assessing her purchases based on personal values. Key Insight: Automate savings directly from your paycheck. (00:40:28) Personal Financial Identity The discussion shifts to how financial identities can constrain decision-making and the benefits of maintaining flexibility. Key Insight: Adopt a money fluid identity. (00:32:53) Impact of Major Life Changes Addressing the costs involved with starting a family and unexpected expenses that can influence financial priorities. Key Insight: Life changes can shift priorities and expectations regarding financial independence. (00:08:42) Actionable Takeaways Automate your savings directly from your paycheck to ensure consistency. (00:40:28) Reflect on your values when making significant purchases for financial success. (00:41:15) Keep your wedding guest list tight to control costs. (00:03:45) Related Resources Everyday FI Podcast Discussion Questions What are your thoughts on the importance of keeping a tight guest list for events? (00:03:45) How has your net worth impacted your financial goals? (00:05:32) Discuss the effectiveness of automating savings in your financial planning. (00:40:28)
Send us a textJoin us on Average Joe Finances as our guest Sarah Ecklein, a private fiduciary from the Bay Area, California. Sarah shares insights into her profession, the importance of estate planning, and her journey from aspiring hospice nurse to fiduciary. She discusses the complexities of trust administration, the significance of proactive planning, and the emotional and financial impacts of failing to prepare for end-of-life situations.In this episode:Uncover how proactive estate planning can prevent family conflict and preserve your legacy.Learn why fiduciary roles go far beyond finances and often provide crucial decision-making support.Discover the dangers of delaying end-of-life conversations and how they can lead to legal and emotional chaos.Explore how creating an estate plan today protects your loved ones tomorrow, emotionally and financially.And so much more!Key Moments:00:00 Introduction and Welcome00:55 Meet Sarah Eckle: A Private Fiduciary01:28 Sarah's Journey to Fiduciary Work02:58 Understanding the Role of a Fiduciary05:50 The Importance of Estate Planning08:02 Challenges in Fiduciary Work10:08 Proactive Planning and Legacy Building22:03 The Importance of Updating Your Will23:06 The Impact of Estate Planning on Families23:54 Communicating Your Estate Plan26:05 Handling Awkward Conversations About Estate Planning28:11 Final Round: Personal Finance Mistakes and Lessons33:22 Advice for Newcomers and Final Thoughts35:36 Where to Find More Information and ConclusionFind Sara Ecklein:Website: https://www.trustandhonor.co/Instagram: https://www.instagram.com/themindfulfiduciary/Facebook: https://www.facebook.com/people/Sara-Ecklein-CLPF/100067625615341/LinkedIn: https://www.linkedin.com/in/sara-eckleinAverage 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
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