Podcast appearances and mentions of phillip ramsey

Explore the power of gratitude with host Phillip Ramsey in this episode of the Uncommon Wealth Podcast. Delve into the profound insight that gratitude is a choice, not a consequence, and discover how embracing this mindset can shift your perspective on life. Ramsey offers an engaging analogy comparing small bites to a buffet, emphasizing appreciation for life's simple pleasures. Learn how gratitude fosters abundance and joy, encouraging you to view your journey through an uncommon lens. Tune in for strategies to enrich your life with thankfulness in every circumstance.

Phillip Ramsey hosts Jon and Hanna Shiplett of Eden and Gray, as they return to discuss their business journey since 2018. They delve into the evolution of their design and build company, highlighting changes in client types, project scales, and business challenges. With a growing team and higher project demands, they explore the nuances of leadership, maintaining their brand, and managing personal life alongside business growth. This episode provides insights into their dynamic partnership in business and marriage, reflecting on past experiences and future aspirationsTimestamp 0:01 Eden and Gray's Journey from Humble Beginnings to Success 5:30 Evolving Client Niches and Business Growth in Design Build 10:42 Challenges of Leadership and Business Growth 13:37 Growing a Business While Maintaining Brand and Culture 18:14 Rising Costs of Design and Construction Projects Over Time 19:34 Balancing Family Growth and Business Amidst Life's Challenges 22:42 Evolving Business Processes and Client Management in Design Projects 27:56 Challenges and Rewards of Working on Different Home Projects 29:12 Transforming Homes by Adding Character and Structural Changes 30:45 Lessons in Leadership and Growth from Business Challenges 38:31 Balancing Marriage and Business Partnership 40:57 Teamwork and Vision in Building Eden and Gray Interiors

In this deeply personal solo episode, Uncommon Wealth Podcast host Phillip Ramsey walks us through his winding, inspiring, and God-orchestrated career journey—from uncertain college grad to founding Uncommon Wealth Partners. With characteristic vulnerability and humor, Phillip reflects on his early setbacks, unlikely breakthroughs, and the faithful mentors who helped guide his path.He shares how being nearly fired from his first job ignited a transformation in how he served others, why his time in customer service turned out to be pivotal, and how chance encounters (including on a plane!) led to unexpected opportunities in leadership, retail, and pharmaceuticals. Along the way, Phillip reveals the moments that taught him how to lead with humility, sell with integrity, and trust that setbacks are often setups for something greater.This episode is a reminder that your story—peaks, valleys, detours, and all—matters. Phillip challenges listeners to reflect on their own path and trust that purpose can be found in even the most uncertain seasons.

In this powerful and transparent episode of the Uncommon Wealth Podcast, Phillip Ramsey sits down with Gabe Chamberlin—retirement plan specialist, musician, and Christ follower—whose life is a testament to what it means to live on mission. Though his career is rooted in the financial world as a wholesaler for Transamerica, Gabe stands out for his authenticity, his faith, and his refusal to conform to industry norms.The conversation dives into Gabe's transformation from a self-focused lifestyle to one centered on purpose and service. He opens up about a pivotal moment in 2007, when a night of drinking spiraled into legal trouble, jail time, and a life-altering wake-up call. It was in a cold jail cell, with nothing but books and God's Word, that Gabe surrendered his life to Christ. And in a beautiful twist only God could orchestrate—his now-wife Brooke made the same decision to follow Jesus on the very same night, though they hadn't spoken. That shared moment of divine alignment became the spiritual foundation of their marriage and their future.Gabe shares how faith now shapes every part of his life: from how he works, to how he parents, to how he uses his musical gifts to lead worship. He also reflects on a meaningful men's retreat, where an unexpected cold plunge became a symbol of courage and surrender. Letters from loved ones during that trip reminded him just how deeply his life has impacted others, often without his even knowing.This is a story about redemption, mission, and the grace of second chances. Same Night is more than a title—it's a reminder that transformation often begins when we least expect it, and sometimes, when it happens in tandem, it changes everything.

Phillip Ramsey explores the concept of wealth transfer, urging listeners to prioritize core values, experiences, and charitable giving over mere financial assets. By focusing on these aspects, Phillip suggests families can empower future generations to independently build wealth and life satisfaction. He introduces an exercise to reframe how we view money and time, emphasizing their roles as investments in relationships and personal growth. This episode delves into understanding wealth in broader terms, offering insights into living an uncommon life by investing in meaningful connections and nurturing a legacy beyond financial inheritance.

Phillip Ramsey discusses the importance of taking personal financial inventory as tax deadlines approach. He shares practical advice on establishing a budget by analyzing recent bank and credit card statements to categorize expenses like groceries and gas. Emphasizing the critical role budgeting plays in retirement planning, he encourages listeners to determine their desired lifestyle costs. Phillip reassures that while predicting life's end date is impossible, understanding financial needs is key. Reach out to Phillip with questions at UncommonWealth.com. Tune in for insights to lead better financial planning on your journey to 2025.

About the Guest(s):Brent Uhlenhopp is a financial expert with a rich background in the finance and insurance industry. He is currently an ETF manager at Simplify Asset Management, a company renowned for its innovative financial solutions. Brent holds a degree from the University of Iowa and has previously worked with major finance groups such as Wells Fargo and Principal Financial Group, where he gained extensive experience in investment products and mutual funds. He joined Simplify in mid-2023, attracted by the firm's cutting-edge approach to incorporating derivatives to enhance ETFs.Episode Summary:On this episode of the Uncommon Wealth Podcast, host Phillip Ramsey welcomes Brent Uhlenhopp, an ETF manager from Simplify. The conversation delves into Brent's professional journey, highlighting his transition from Principal Financial Group to the innovative startup Simplify. Listeners are introduced to the intriguing world of ETFs and the unique strategies Simplify employs to offer diversified and robust investment products. With a broad background in financial services, Brent shares his insights on how regulatory changes in 2020 enabled more dynamic use of derivatives in finance.The episode explores Simplify's forefront role in revolutionizing ETFs by leveraging options and derivatives to enhance returns and provide downside protection. Brent and Phillip discuss Simplify's unique offerings, including their highly impactful Simplify Healthcare ETF, ticker symbol "PINK," which donates proceeds to the Susan G. Komen Foundation for breast cancer research. Brent articulates the importance of innovation in financial instruments, making institutional-grade strategies accessible to retail investors.

Phillip Ramsey reflects on a transformative experience at Casa Bonita, a unique Mexican restaurant in Colorado. He explores how a revamped business model—raising prices to deliver unparalleled experiences—shaped his visit. Drawing parallels to his own entrepreneurial journey with Uncommon Wealth, Phillip discusses the importance of charging what experiences are truly worth to provide the best possible service. He delves into themes of value, nostalgia, and customer satisfaction while sharing lessons that can be applied both personally and professionally. Join Phillip as he unpacks the impact of embracing a premium experience.

In this engaging simple step on the Uncommon Wealth Podcast, host Phillip Ramsey delves into the often-overlooked mantra of "set it and forget it" in financial advising. He challenges this traditional mindset and offers practical advice on how to take a more hands-on approach to personal finance management. Phillip's insights aim to equip listeners with the tools needed to better manage their 401ks and other investment accounts, emphasizing the importance of maintaining a clear view of one's financial situation.Phillip shares the benefits of consolidating old 401k accounts and how rolling these over can simplify financial management and potentially enhance growth. Throughout the episode, listeners are encouraged to reevaluate their financial strategies, focusing on the impact of dollar cost averaging and the significance of consistent contributions. Phillip's expertise shines as he breaks down complex financial concepts into easily digestible advice, underscoring the necessity of staying engaged with one's finances.Key Takeaways: Avoid the "set it and forget it" approach; always stay informed about your financial status. Consolidate old 401k accounts for better visibility and easier management. Rolling over 401ks can simplify the process of making contributions and tracking growth. Dollar cost averaging is a powerful strategy for consistent investment growth over time. Proactive financial management is crucial in navigating and succeeding on your financial path.Notable Quotes: "You should never forget about your money. You actually should be way more in tune to your money than I think a lot of people would like you to be." "Consolidating old IRAs or old 401ks and rolling them over helps you see exactly how much money you have." "The more that you can fund that consistently fund an account, the better chance it has to be growing." "My challenge to you is try to figure out all your old 401ks, consolidate them, and roll them over either into your own IRA or your current 4

Phillip Ramsey hosts a solo episode to announce Arron Cramer's departure from Uncommon Wealth Partners. Ramsey discusses Arron's move to Paradigm Wealth Partners under the mentorship of Rick Yoder, highlighting his invaluable contributions and character. The episode celebrates Arron's future potential and emphasizes the continued mission of Uncommon Wealth Partners to serve clients uniquely.

In this engaging episode of the Uncommon Wealth Podcast, host Phillip Ramsey delivers insightful advice on maintaining a clear focus on personal and financial goals. Emphasizing the importance of open communication and reflection, Phillip challenges listeners to engage in meaningful conversations about what truly matters to them in life.Phillip outlines a thoughtful strategy involving goal-setting discussions, particularly between spouses, to ensure that personal values align with financial decisions. He emphasizes the danger of losing sight of personal goals when dealing with financial advisors and proposes a proactive approach to dealing with personal finances. By understanding the "why" behind their aspirations, individuals can carve an uncommon and rewarding path.

Belle Rape is a distinguished brand expert with extensive experience in creating iconic branding strategies for high-profile clients. Having worked with major brands such as the NFL, NBA, Lowe's, Google, Tiffany & Co., Pepsi, and Sealy, Belle has honed her expertise in building brands that resonate emotionally with audiences. She is the founder of "Blueprint By Belle," where she focuses on both personal and business branding, helping individuals and companies discover and leverage their unique brand values.Episode Summary:In this engaging episode of the Uncommon Wealth Podcast, host Phillip Ramsey sits down with Belle Rape, a brand expert with a rich portfolio including collaborations with industry giants like the NFL, Google, and Tiffany & Co. Belle shares her journey from project management to founding her own successful brand consulting business, Blueprint By Belle. The conversation delves into the essence of branding and the emotional connections brands can evoke in their audiences.Belle explains the intricacies of her process, from understanding a client's mission, vision, and values to translating these into a powerful brand strategy. She emphasizes the importance of how brands make people feel, sharing her "secret sauce" – the power of storytelling and emotion in brand identity. Belle recounts her personal experiences, detailing the challenges and triumphs of managing a marketing career and growing a business during a pandemic. The episode is a treasure trove of insights for anyone interested in the power of branding, filled with Belle's vibrant stories and actionable advice.Key Takeaways: Emotion-Driven Branding: Belle's "secret sauce" involves creating deep emotional connections with the audience, emphasizing that how a brand makes someone feel is paramount. The Importance of Storytelling: Crafting a compelling brand story is key, as illustrated by examples like Tiffany's iconic branding. Personal and Business Branding: Belle highlights the significance of aligning personal image with business branding and navigating the balance between personal identity and brand identity. The Scaling Challenge: Belle discusses the challenges of scaling a personal brand consultancy and the potential solutions like membership models to reach a broader audience. Authenticity and Individuality: Belle stresses the value of staying true to oneself in branding efforts, underscoring a personal calling to serve others through unique gifts and talents.Notable Quotes: "We were put on this earth to use our gifting and calling to serve other people." "People gravitate towards brands because of how it makes them feel." "I love puzzles. Like, you see the big picture of what it's supposed to be, and then you have all these pieces like, hey, let's go put it together." "You were put on this earth to do an amazing thing or amazing things. So go out and be unforgettable."

In this episode of the Uncommon Wealth Podcast, Phillip Ramsey delves into the mindset of viewing life's expenditures as investments. This engaging discussion encourages listeners to shift their perspectives on spending, particularly when it comes to family activities and personal priorities. Phillip challenges traditional views on financial management by introducing concepts that turn everyday expenses into meaningful investments in happiness and values.Phillip's insights focus on various aspects of investing time and money wisely. By recounting a friend's family trip to Disney World as an example of investing in family, Phillip highlights the importance of financial and time investments aligning with personal values and priorities. The episode encourages listeners to think of expenses in terms of "memory dividends," gains that continue to deliver value through cherished memories and experiences. Phillip's empowering narrative inspires listeners to embrace conscious spending that supports their core values and long-term happiness.Key Takeaways: Embrace the mindset of viewing everyday expenditures as investments, particularly when it comes to family and personal priorities. Prioritize spending that aligns with your core values and beliefs to ensure meaningful returns on investment in terms of personal satisfaction and happiness. Consider both financial and time investments as opportunities to create "memory dividends" — experiences that pay off with lasting joy and memories. Evaluate how time is spent in alignment with your personal goals to ensure intentionality and presence. Invest in experiences and practices that reinforce what matters most, fostering a life enriched with valuable relationships and personal growth.Notable Quotes: "Think of everything you do as an investment." — Phillip Ramsey "I want to start investing in memory that pays dividends forever." — Phillip Ramsey "Even if I die with zero, I want to invest in memory dividends with my family, with my friends, my loved ones." — Phillip Ramsey

Jeremy Delk is the founder of Delk Enterprises Strategic Capital, renowned for his role in scaling America's fastest-growing companies. His journey from a young investor on Wall Street to a serial entrepreneur has been marked by impressive achievements, including being part of the Inc. 500 list. Jeremy has a diverse business background, having ventured into fields like real estate, building materials, regenerative medicine, and health care. He's a published author with a book titled "Without a Plan," reflecting his unconventional path in entrepreneurship and life.Episode Summary:In this engaging episode of the Uncommon Wealth Podcast, host Phillip Ramsey sits down with Jeremy Delk to discuss his dynamic journey through entrepreneurship, family, and personal growth. Known for his fearless approach to business, Jeremy shares how his early career on Wall Street shaped his path toward founding Delk Enterprises. He emphasizes the importance of embracing failure and the courage to pursue one's dreams without a rigid plan. As the conversation unfolds, listeners gain insights into Jeremy's ventures across diverse industries, each marked by innovation and strategic thinking.Jeremy Delk's story is a testament to the power of resilience and adaptation in entrepreneurship. From starting with a modest inheritance to scaling businesses to impressive heights, his career trajectory exemplifies the rewards of taking calculated risks. The episode delves into his experiences in the real estate sector, exploring how each of his ventures has contributed to his unique understanding of business operations. By sharing personal anecdotes and discussing his holistic approach to balancing work and family life, Jeremy offers valuable lessons for aspiring entrepreneurs looking to carve their own paths.Key Takeaways: Embrace Failure: Jeremy emphasizes viewing failure as a learning opportunity rather than a setback. This mindset allows entrepreneurs to innovate and grow. Entrepreneurial Curiosity: The multi-industry ventures of Jeremy Delk highlight the importance of curiosity and willingness to learn in achieving success. Challenges as Catalysts: The episode underscores the role of challenges in developing resilience and adaptability, essential traits for any entrepreneur. Work-Life Integration: Jeremy discusses how he balances his businesses with family life, advocating for being present and cherishing relationships. The Power of Recalibration: Jeremy Delk shares insights on the importance of reevaluating and altering plans as new information emerges in the business landscape.Notable Quotes: "What if you don't do it and it was successful?" "It's the emotions and the actions that we apply to those set events that will dictate if they were a good or bad thing." "If you love what you do, it's not work, but you just figure it out." "There's nothing in life that happens, good or bad." "I've struck out, but I'm not done swinging."

In this engaging solo episode of the Uncommon Wealth Podcast, host Phillip Ramsey dives into the often-overlooked topic of mortgage recasting—an alternative financial strategy to consider in today's high-interest rate environment that can address a common concern among homeowners: increasing mortgage costs and potential strategies to alleviate them without refinancing.Phillip unpacks the concept of mortgage recast, explaining how it allows homeowners to adjust their monthly payments by making a lump-sum payment towards the principal balance of their loan. By doing so, homeowners can maintain their current interest rate while benefitting from lower monthly payments. The episode is filled with valuable insights as Phillip discusses the conditions under which a mortgage recast makes sense, including the current economic climate with high-interest rates and stagnant housing markets. He explains the eligibility requirements and the pros and cons of choosing this option over refinancing. Listeners will find practical advice on deciding whether a mortgage recast is right for their financial situation.

In this episode of the Uncommon Wealth Podcast, host Phillip Ramsey discusses the vital role of faith in entrepreneurship and daily business practices. The podcast opens by exploring how individuals can live an "uncommon life" by harnessing personal strengths and integrating core values into their professional journeys. Ramsey highlights methods for infusing faith into everyday work life, emphasizing its importance in overcoming both challenges and successes.Delving deeper, Phillip shares practical strategies, including how his team at Uncommon Wealth Partners takes time each week to pray for a selection of their clients. This practice not only reinforces their faith-driven approach but also fosters stronger client relationships. Ramsey discusses the broader implications of weaving faith into business, encouraging listeners to find authentic and respectful ways to make their beliefs a cornerstone of their ventures. With themes of encouragement, personal growth, and authenticity, this episode serves as a stirring reminder of the power of incorporating one's faith into professional life.Key Takeaways: Faith can be a powerful tool for entrepreneurs, helping navigate through business highs and lows. Uncommon Wealth Partners practices faith by praying for three clients each week, highlighting its importance in their business model. Integrating faith into day-to-day business does not have to be forceful; it's about respectful and authentic alignment with personal values. The podcast encourages listeners to explore how their faith can be integrated into their career and entrepreneurial endeavors. Living an uncommon life involves understanding personal strengths and using them in pursuits that align with deeply held beliefs.

Join hosts Phillip Ramsey and Arron Cramer as they delve into their financial firm's 2024 journey and reveal their market predictions for 2025. Reflecting on unexpected market growth, team changes, and the impact of AI on business efficiency, they discuss their practice's evolution towards efficiency and the potential for future expansion. Phillip and Arron also share their personal insights on goal setting and market dynamics, providing a glimpse into their vision for sustainable growth and client success in the coming year.

In this gripping episode of the Uncommon Wealth podcast, host Phillip Ramsey, alongside close friends Nate Ober, Bart Boyd, and Todd Hoffman, embark on an epic journey to the Grand Canyon. This episode shares the highs and lows of their ambitious Escalante Route hiking trip, revealing the trials and triumphs encountered along the way. Starting with a troublesome van rental experience and continuing with harsh weather conditions, physical challenges, and emotional resilience, listeners are taken on a detailed recount of the group's incredible adventure.The four friends, each an integral part of Phillip's connection group, channel their faith and friendship, navigating unexpected hurdles that amplify their journey's significance. Despite facing severe weather, exhaustion, and injuries, they collectively decide to tackle adversity head-on, drawing parallels to life's unpredictable nature. With reflections on teamwork, trust, and the binding power of community, this episode illuminates the essence of true companionship.Key Takeaways: The Power of Preparation: The group emphasized the importance of preparation for challenging endeavors, yet acknowledged that no amount of planning can truly predict all eventualities. Community and Support: The adventure underscored the necessity of mutual support and communication, driving home the message that shared struggles strengthen bonds. Faith Amidst Adversity: Faith in God played a central role in navigating the trip's challenges, highlighting the spiritual growth fostered by real-world experiences. Accepting Change: Flexibility in the face of changing plans and unexpected hurdles reflects maturity and adaptability. Nature's Magnificence: Experiencing the unyielding awe of the Grand Canyon illustrated nature's grandeur and their own

Chris Van Dusen is a senior partner at CECO Capital, a venture capital firm specializing in scaling and exiting businesses. Based in Huntington Beach, California, Chris has a diverse background in construction equipment rentals, real estate investment, marketing, and entrepreneurship. He has a unique and uncommon journey that includes leading roles in successful startups, such as a CBD company that was eventually sold for $75 million. Chris is also a co-founder of a liquor distillery and an experienced Brazilian Jiu Jitsu practitioner and instructor.In this engaging episode of the Uncommon Wealth Podcast, host Phillip Ramsey sits down with Chris Van Dusen, a venture capitalist with a truly uncommon path to success. Chris Van Dusen shares his dynamic story, spanning from his beginnings in Connecticut and an unexpected transition from collegiate baseball to economics, all the way to becoming a key partner at CECO Capital. Chris's unique insights into venture capital, business scaling, and strategic exits are captivating, offering listeners both inspiration and practical lessons.Chris delves into the characteristics that define a promising business venture and the importance of investing in people who have previous entrepreneurial experience. He highlights the advantages of CECO Capital's distinctive model, where partners play an active role in scaling businesses and improving operational efficiency. By sharing anecdotes from his diverse career, including successful business exits and his ventures into the CBD and liquor industries, Chris provides a vivid illustration of what it means to lead an uncommon and impactful professional life. His blend of venture acumen and hands-on experience sets the stage for understanding the complexities of today's entrepreneurial and investment landscape.Key Takeaways: CECO Capital's unique model involves active participation through management consulting to drive operational efficiency in early-stage companies. Identifying great companies begins with finding exceptional people who understand the entrepreneurial journey and have relevant experience. The importance of balance between managing lifestyle businesses and scaling those with significant growth potential. Chris's transition from various industries to venture capital highlights a non-linear but richly rewarding career path. The significance of aligning interests between venture capitalists and entrepreneurs to achieve successful outcomes.Notable Quotes: "The entrepreneurial journey has been romanticized over the years, but it is extremely difficult." "I made the joke, put away my rusty toolkit and join an established firm." "Really what it came down to is understanding human incentive around one singular thing." "If you've done it before...that is of interest to start." "The world's a better place when old men plant trees whose shade they will never enjoy"

In this quick yet informative episode of the Uncommon Wealth Podcast, host Phillip Ramsey delves into the essentials of crafting a pseudo-financial plan. As the year draws to a close, he emphasizes the importance of understanding your "number" for retirement planning. Phillip critiques a popular commercial that oversimplified the concept of a retirement "number," and instead offers a straightforward method for determining your monthly income needs post-retirement.Phillip Ramsey provides listeners with a step-by-step guide to calculate their retirement number using accessible figures, such as monthly expenses and Social Security benefits. His approach demystifies the financial planning process, encouraging individuals to assess their own financial landscape and future needs. This episode is a must-listen for those seeking practical, grounded advice on securing their financial future.Key Takeaways: The concept of having a "retirement number" is important, but oversimplified in mainstream financial advertising. Understanding your monthly expenses is crucial for creating an accurate retirement plan. To calculate your retirement "number," determine your monthly income needs, subtract estimated Social Security benefits, and divide by 0.04. Financial planning doesn't have to be complex; small, thoughtful steps can lead to substantial progress. Now is the perfect time to evaluate your financial situation and strategize for long-term wealth.

In this enthralling episode of the Uncommon Wealth Podcast, host Phillip Ramsey delves into the fascinating journey of seasoned entrepreneur Micah Johnson. With a remarkable career that spans over two decades, Micah has witnessed the evolving landscape of business management, having successfully navigated challenging mergers and lucrative exits. Currently leading Workday Ninja, Micah is channeling his expertise into transforming company operations by harnessing the power of automation and AI.Throughout the conversation, Micah shares insights into his entrepreneurial journey, beginning from his early business experiments as a teenager to his present mission with Workday Ninja. Emphasizing the importance of adapting to change and accepting differences, he reflects on the lessons learned from his business ventures. The episode is rich with engaging discussions on overcoming failures, identifying scalable opportunities, and leveraging cutting-edge technology to redefine business workflow optimization.Key Takeaways: Micah's entrepreneurial journey began at a young age with innovative solutions like outsourcing lawn mowing to neighborhood kids, highlighting his early knack for business. Workday Ninja helps companies transition from manual processes to efficient workflows through automation and AI, ensuring employees focus on critical tasks. Micah emphasizes the power of adaptability in business, accepting that different approaches yield diverse results. Post-exit from a major business venture, Micah experienced a profound identity crisis that underscored the importance of maintaining personal meaning beyond professional success. Workday Ninja is committed to pioneering in the automation space, aligning business processes with modern technological advances.Notable Quotes: "Acceptance of differences is crucial in business; there's no wrong or right way, just different, producing varied outcomes." "I got to eat oatmeal cookies while Jake mowed my lawn, and everyone was happy… till my mom came home early one day." "Automation and AI allow you to eliminate the busy work, optimizing processes so your team can focus on strategic objectives." "The first merger opened my eyes to all the different ways we can run businesses." "The day after the exit was the lowest point in my life… I had a bit of a freak out."Resources: Website: workdayninja.com

Phillip Ramsey and Arron Cramer dive into their annual tradition of expressing gratitude on the Uncommon Wealth Podcast. They each highlight what they're thankful for, discussing the invaluable roles of clients, mentors, family, and community in their lives. The conversation explores personal growth through trials and challenges, emphasizing the importance of perspective and resilience. As they share personal anecdotes and reflections, Phillip and Arron celebrate the power of gratitude and the impact of embracing an uncommon mindset. Join them for an insightful journey into thankfulness and its role in fostering a fulfilling life.

In this engaging episode of the Uncommon Wealth Podcast, hosts Phillip Ramsey and Arron Cramer dive into the topic of transitioning from being a victim to a victor in life. They explore the importance of taking responsibility and ownership of one's actions and decisions. This discussion is aimed at empowering listeners to shift their mindset, take control of their circumstances, and initiate positive change.Phillip begins by expressing the significance of taking ownership instead of succumbing to a victim mentality. By highlighting how accepting responsibility, even in adverse situations, individuals can harness the ability to make strategic changes in their lives. Arron complements this perspective by introducing statistical reasoning, emphasizing that the probability of being in situations where one is entirely helpless is slim. They both agree that learning from past mistakes and making better decisions is pivotal in achieving personal growth and success.Key Takeaways: Taking responsibility rather than adopting a victim mentality empowers individuals to create positive change. A victim mentality can limit one's ability to identify personal areas for improvement and growth. Situations perceived as uncontrollable often have underlying factors that could have been managed differently. Emotional responses to situations can indicate personal accountability and the potential for growth. Developing a habit of analyzing personal contributions to outcomes can facilitate future successes.Notable Quotes: "When you actually take ownership, you could be like, okay, what else can I change?" – Phillip Ramsey "Statistically, the chances of a situation where you can just play victim...is slim to none." –Arron Cramer "I make it a practice to always try to see my faults and ownership in something." – Phillip Ramsey "If you're super mad about a situation, you're probably mad at yourself but trying to reflect it onto somebody else." – Arron Cramer "Be a victor, not a victim. That's your simple step. - Phillip Ramsey

About the Guest(s):In this engaging episode of the Uncommon Wealth Podcast, host Phillip Ramsey welcomes Abbi Rickelman of Designed to Move to the studio. They chat about the journey from being a chiropractic student to running a successful holistic practice. Abbi shares her experiences of transitioning into the business world, drawing inspiration from her father's entrepreneurial spirit. Listeners gain insight into the challenges and victories faced in building Designed to Move, a clinic known for its unique approach and extended appointments that cater to the individual needs of each patient.Throughout the episode, Abbi elaborates on the dynamics of running a business with her husband and the importance of maintaining client relationships while scaling the business. She discusses the lessons learned from unexpected challenges like audits and finding the ideal location for their practice. The conversation also delves into how Abbi and her team plan to scale their operations sustainably without compromising the quality of care. This episode offers valuable insights for aspiring entrepreneurs and business owners on balancing professional growth with personal well-being and client satisfaction.Key Takeaways: Designed to Move offers a unique chiropractic approach with a focus on personalized, holistic healthcare solutions, which include longer patient interactions and a variety of treatments. Abbi emphasizes the significance of listening to and understanding clients, which has led to the organic growth of their business largely through referrals. The transition to business ownership taught Abbi the importance of balancing business processes with quality client care and personal life. Although challenging, the decision to reconsider moving to a new building exemplified the importance of flexibility and trusting one's instincts in business decisions. Honest reflections on personal ambition revealed that true fulfillment comes from serving others and glorifying one's values over mere success.Notable Quotes: "In business ownership, you think that it's gonna be like rainbows and butterflies, and you just have, like, all this time off…" "I mean, literally, not two nights ago, Aaron was doing paperwork until 11:30 at night." "The older I've gotten, the more I've realized… success isn't really where it's at. Like chasing the wind." "I love our practice model. It's uncommon. Imagine that." "You can't grow unless you're working on your business."

In this thrilling episode of the Uncommon Wealth Podcast, host Phillip Ramsey takes listeners on a journey through the heart of Switzerland, where he and his guest, Jon Shiplett, undertook a remarkable adventure. Phillip, motivated by a desire to challenge himself out of his comfort zone, explores the captivating world of Via Ferrata – a protected climbing route that promises breathtaking views and a test of nerve. As they navigate the iron paths of Switzerland, both Phillip and Jon discover profound life lessons and parallels between their daring climb and life's challenges.Embark on this gripping tale of exploration, where Phillip and Jon recount their experiences, from unexpected snowstorms on Swiss mountains to the adrenaline rush of paragliding. Key themes include the importance of preparation, confronting physical and mental challenges, and translating adventure lessons into business and personal growth. Whether you are an adventure seeker or someone looking for inspiration to step outside your comfort zone, this episode offers insightful reflections interwoven with exhilarating accounts of scaling new heights.Key Takeaways: Adaptability and Overcoming Challenges: The unpredictability of the weather on their climb emphasized the importance of adapting and pushing through challenges. The Value of Preparation: Proper equipment and research are crucial when embarking on a physical challenge, underscoring the value of preparation in all life areas. Physical Challenges as a Microcosm for Life: Engaging in physically demanding activities can offer valuable insights and motivation applicable to daily life and business. The Importance of Partnership: Sharing challenges and adventures with others enhances the experience and provides mutual support and motivation. Pushing Comfort Zones: By stepping out into unfamiliar and demanding situations, individuals can uncover personal strengths and foster growth.Notable Quotes: "It's the quickest way to sort of get yourself back to that willpower wall." – Jon Shiplett "No matter how bad it gets, you can't quit." – Jon Shiplett "Remember that you wanted to do this in the first place." – Phillip Ramsey "When you know you're on the right path, you've got to start pushing hard." – Jon Shiplett "These challenges get you, like, the things that bubble up, they bubble up quicker." – Phillip Ramsey

In this engaging episode of the Uncommon Wealth Podcast, hosts Phillip Ramsey and Arron Cramer delve into the dichotomy between "uphill goals" and "downhill decisions." They explore how people's ambitious objectives often clash with their everyday habits and choices, leading to frustration and lack of progress. With a lively discussion centered around real-life anecdotes, they emphasize the importance of aligning one's actions with their aspirations.Phillip kicks off the conversation with a compelling story about a friend whose goal of losing weight was undermined by his habit of eating high-calorie desserts. This anecdote serves as a springboard for a broader discussion on the disconnect many experience between their goals and actions. Key themes include the need for accountability in personal development and the crucial role of honest feedback from friends. By integrating these narratives with actionable advice, Phillip and Arron offer listeners both motivation and practical strategies for bridging the gap between desire and action.Key Takeaways: Uphill goals require consistent and aligned efforts to avoid the pitfall of making downhill decisions that undermine progress. Accountability partners can play a crucial role in helping individuals recognize when their actions do not align with their stated goals. Verbalizing your goals increases the likelihood of achieving them, but only if they are backed by consistent actions. Credibility is diminished when there's a discrepancy between what you say and what you do; maintaining alignment is critical. Friends who give honest feedback are invaluable in helping you stay on track and achieve your personal and professional aspirations.

In this engaging episode of the Uncommon Wealth Podcast, host Phillip Ramsey welcomes art influencer Liz Lidgett, who shares her journey from being the art kid in school to owning a successful gallery in Des Moines, Iowa. The discussion delves into Liz's path of pursuing her passion for art despite challenges and societal expectations. Highlighting her unique approach, Liz details how her grandmother's encouragement played a vital role in igniting her passion for art, eventually leading to the creation of Liz Lidgett Gallery and Design which thrives on inclusive and diverse art representation, specifically focusing on midwestern art landscapes.This episode highlights the pivotal moment when Liz transitioned from the corporate world to entrepreneurship, overcoming adversity by turning the obstacles of the pandemic into opportunities for growth through e-commerce. Liz shares valuable insights into her commitment to artists and clients, her definition of success, and the ethical backbone of her business. The dialogue is vibrant with themes of passion, loyalty, and resilience, portraying Liz as a beacon of light for those aspiring to marry personal passion with professional life.Key Takeaways: Liz Lidgett emphasizes the importance of pursuing your passion relentlessly, as demonstrated by her transition from corporate life to owning a gallery. The gallery's success is largely attributed to its diversified collection, focusing on making art accessible with pieces ranging from $250 to $25,000. Through adversity during the pandemic, the gallery adapted by launching an e-commerce platform, reaching art lovers across all 50 states and several countries. Liz places high emphasis on ethical business practices in the art world, advocating for timely communication and payments to artists. A supportive partner, communication, and teamwork are vital components of maintaining balance in both personal and professional aspects of life.Notable Quotes: "I think that doing good is good business, and I know that doing the right thing can make you successful." "Sometimes you're the lead singer and sometimes you're the tambourine player." "You take the materials in front of you and create something from nothing every single day—it's incredible!" "Passion is infectious. I know my demeanor changes when I'm talking about art." "In Des Moines, you need a great idea, and people will rally around because we support our own."Resources: Visit Liz Lidgett Gallery and Design in the East Village, Des Moines. Follow on Instagram: @lizlidgettgallery for gallery updates and @lizlidgett for personal insights. Check out the podcast "Ten Minute Masterpieces" for art insights.

In this engaging episode of The Uncommon Wealth Podcast, hosts Phillip Ramsey and Arron Cramer dive into a thought-provoking discussion about raising children in a way that allows them to benefit from their parents' wisdom while still developing their own character and resilience. The central theme revolves around the idea of ensuring that children begin their journeys where their parents left off—having their parent's ceiling be their floor.The hosts explore the challenges and strategies of parenting, emphasizing the importance of personal involvement and the balance between guidance and allowing children to face their own struggles. Whether you are a parent or simply interested in personal development, Phillip and Arron's insights and anecdotes provide enriching perspectives on cultivating a mindset for growth and resilience in the next generation.Key Takeaways: Parental Guidance and Presence: Effective parenting involves being present and engaged, offering guidance without micromanaging or becoming a helicopter parent. Lessons from Personal Trials: Parents should aim to pass on the wisdom gained from their own experiences, allowing children to avoid repeat mistakes and capitalize on earlier successes. Encouraging Self-Driven Effort: Highlighting a child's personal achievements and efforts over mere participation awards can instill a strong work ethic and self-motivation. Character Building Through Challenges: Allowing children to face and overcome their own challenges builds resilience and character, essential traits for future success. Balancing Support and Independence: Finding the right balance between support and independence is crucial in raising children who are capable and confident in their abilities.Notable Quotes: Arron Cramer: "Think about everything you have to overcome. You want that to be an easy thing for your children next time so they can go one step further." Phillip Ramsey: "I want my kids to learn from my mistakes and go further down the path of life than I did." Arron Cramer: "If your children want to take over your business, they can run with it like you would have over another 25 years." Phillip Ramsey: "I think there's character that's built in the trials that's priceless and has made me who I am." Arron Cramer: "All we can do as parents is instill effort and encourage them to be mindful of the cause and effect of their actions."Resources: Uncommon Wealth Partners Website Books mentioned:Chop Wood, Carry Water by Joshua MedcalfPound the Stone by Joshua MedcalfDiscover parenting insights and motivational strategies inspired by real-life experiences by tuning into this episodes of The Uncommon Wealth Podcast. For future episodes filled with invaluable advice and inspiring stories, stay connected with Uncommon Wealth Partners.Consider listening to the full episode to dive deeper into the conversation on raising children to begin their journey further along the path than where you left off, and how to navigate the delicate balance of guidance and independence. Stay tuned for more enlightening content from The Uncommon Wealth Podcast

Jason Staner is a dynamic entrepreneur who, together with his wife Tammy, owns and operates Freddie's Popcorn. Prior to taking over Freddie's Popcorn in 2022, Jason worked as a paramedic and in auto repair. He brings a wealth of experience in customer service and business management, which he leveraged to successfully rebrand and manage the legacy popcorn business. Jason is also involved in volunteer paramedic services in his hometown.Episode Summary:In this engaging episode of Uncommon Wealth Podcast, host Phillip Ramsey interviews Jason Staner from Freddie's Popcorn. Jason shares his journey from paramedics and automotive repair to owning a beloved popcorn business. Known for his observant nature, grateful attitude, and easy-going personality, Jason navigates the challenges and triumphs of rebranding and expanding Freddie's Popcorn.Jason recounts the origins of Freddie's Popcorn, detailing how his in-laws first purchased the business and their vital role in its early success. He discusses the hurdles they faced, including dealing with supply chain issues that forced them to pull their best-selling product off the shelves for over two months. Despite these challenges, Jason and his team pressed forward, emphasizing the importance of customer service. They have plans to expand their business nationally while maintaining a strong local presence in northeast Iowa.Key Takeaways: Family Legacy: Jason reveals how Freddie's Popcorn was initially bought by his in-laws and has become a family-run business, growing and adapting over time. Customer Service: Jason's diverse background has taught him the importance of customer service, which remains a cornerstone of Freddie's Popcorn's operations. Supply Chain Challenges: The episode explores the significant challenges faced by Freddie's Popcorn, including a supply chain crisis that hit their best-selling product. Resilience: Despite obstacles, Jason and his wife Tammy remain dedicated, resilient, and focused on growth and quality. Business Expansion: Future plans for Freddie's Popcorn include national distribution and strategic marketing to make their product a household name across the United States.Notable Quotes: "You can tell why I like him... He's grateful, super grateful for where he's at and all the things in his life, even the bad things." – Phillip Ramsey "Luckily, all of her family members pretty much knew that that was going to happen because we'd been there with it all the time." – Jason Staner "Really having each other in there to kind of help bounce it off. Now we can both kind of bounce it off each other and work our way through it." – Jason Staner "Everybody has a memory with popcorn... we want to make sure that people relive those memories and incorporate Freddie's Popcorn into it." – Jason Staner "Whether you're running a business, there's always little crises that come up." – Jason StanerResources: Freddie's Popcorn Website: freddiespopcorn.comFor more insights and personal stories on navigating business challenges and achieving growth, be sure to listen to the full episode. Stay tuned for more inspiring content from the Uncommon Wealth Podcast!

In this episode of the Uncommon Wealth Podcast, co-hosts Phillip Ramsey and Arron Cramer delve into the complexities of portfolio management versus fund management, aiming to simplify these concepts for their listeners. Phillip and Arron discuss how Uncommon Wealth Partners uniquely positions itself in the financial planning industry, offering customized advice that aligns with each client's individual goals and risk tolerance.The episode begins with Phillip introducing the topic of managing clients' money and the confusion surrounding different financial management terms. Aaron elaborates on the different titles financial professionals use, such as financial advisors, wealth managers, and fund managers, and what those titles signify about their service offerings. Together, they clarify that Uncommon Wealth Partners focuses on personalized financial planning and portfolio management. Phillip and Aaron emphasize the importance of understanding fees associated with financial services and how excessive charges can impact overall investment performance. Their goal is to provide clients with low-fee, high-value services that align with each client's financial plan.Key Takeaways: Understanding Financial Management Roles: Clear distinction between financial advisors, portfolio managers, and fund managers. Importance of Customized Financial Plans: Uncommon Wealth Partners prioritize personalized plans to align with clients' unique goals and risk tolerance. Fee Structures in Financial Services: Insight into different fees associated with fund management and the importance of transparent fee structures. Risk Tolerance and Portfolio Balance: The significance of balancing investments with different risk profiles to achieve financial goals. Client-Centric Approach: Emphasis on building long-term relationships with clients through transparency and personalized service.Notable Quotes: "We do manage people's money. That's what we do here at Uncommon Wealth. We also give people customized plans for them to live their most uncommon life." - Phillip Ramsey "Investments are just a tool. Like, it's one tool of many. So with a plan, you really get to hound in." - Arron Cramer "Fees are a huge importance. Make sure that you know the fees that you are being charged." - Phillip Ramsey "We don't have a crystal globe knowing what's going to happen, so you got to diversify within there to meet and attack all those times and possibilities that could happen in the future." - Arron Cramer "We are in the business to get clients for life, and I think that we're doing a good job with that." - Phillip RamseyResources: Uncommon Wealth Partners: uncommonwealth.com

In this fast-paced episode of the Uncommon Wealth Podcast, hosts Phillip Ramsey and Arron Cramer explore the nuanced difference between knowledge and wisdom. Kicking off with an intriguing analogy, they delve into why knowing a tomato is a fruit doesn't necessarily mean it belongs in a fruit salad. This thought-provoking discussion highlights the importance of applying practical wisdom alongside theoretical knowledge.Throughout, Phillip and Arron emphasize the value of street smarts versus book smarts, emphasizing that experiences and trials often yield profound wisdom that far surpasses academic knowledge. Offering insights into how to best use knowledge in real-world scenarios, they inspire listeners to continually seek practical wisdom in their own lives. Tune in as they unpack this succinct yet deep concept in just five minutes.Key Takeaways: Knowledge vs. Wisdom: Understanding the difference between having information and knowing how to apply it practically. Street Smarts vs. Book Smarts: Why practical experience often trumps theoretical understanding. Practical Application: Encouragement to apply knowledge wisely and read the situation rather than just rely on bookish information. Acquiring Wisdom: Learning from mentors and real-life experiences to gain true wisdom. Hesitation and Evaluation: The importance of evaluating the value of your knowledge before acting on it.Notable Quotes: "Knowledge is knowing that a tomato is a fruit. Wisdom is knowing it shouldn't go in a fruit salad." - Phillip Ramsey "It takes a certain level of intelligence to recognize intelligence." - Arron Cramer "What I think I gravitate towards, even if they are a little bit rough around the edges, is the people that have sound wisdom." - Phillip Ramsey "You could have the practical knowledge of things, but applying it is a whole different story." - Arron Cramer "Maybe hesitate on the knowledge that you have to see if it's truly valuable." - Phillip RamseyResources: Visit Uncommon Wealth Partners to learn more about Phillip Ramsey and Arron Cramer's wealth management services. Connect with Uncommon Wealth Partners on social media for more insightful content and updates.

Colton Sleister is the founder and co-owner of Sleister Music, a company specializing in renting, repairing, and selling musical instruments to support school band programs. Colton began his entrepreneurial journey at the young age of 14. He is a graduate of Drake University with a degree in chemistry and has a deep passion for both music and business. Colton also actively performs with the Central Iowa Wind Ensemble, demonstrating his continued dedication to the musical arts.Episode Summary:In this engaging episode of the Uncommon Wealth Podcast, host Phillip Ramsey sits down with Colton Sleister, a young entrepreneur and founder of Sleister Music. Starting his business at only 14 years old, Colton shares his journey from a high school student looking for a better trombone to a successful business owner specializing in musical instruments for school band programs. The episode delves into his early influences, especially his father, a serial entrepreneur who had a significant impact on him. Listeners will gain insights into Colton's entrepreneurial spirit, his approach to scaling Sleister Music, and the lessons he learned along the way.Throughout the episode, Colton reflects on overcoming common business challenges, from managing a growing team to navigating product market fit. He also talks about the critical role of customer relationships and school partnerships in the success of Sleister Music. Colton emphasizes the importance of creating a low-barrier, month-to-month rental model that makes it easier for children to try out musical instruments. With a clear vision for the future, Colton aims to make Sleister Music the most trusted and valued partner for school band programs in Iowa. Tune in to hear about his successes, setbacks, and the strategies he employs to sustain and grow his business.Key Takeaways: Early Entrepreneurship: Colton started Sleister Music at age 14 by selling used trombones through platforms like Craigslist. Family Influence: His father, a serial entrepreneur, played a crucial role in shaping his business acumen and providing initial financial support. Product Market Fit: One key to Colton's success was identifying and meeting a specific need within the local school band community. Customer-Centric Approach: The month-to-month rental model offers a low-barrier entry for parents and students, demonstrating a thoughtful, customer-focused business strategy. Future Goals: Colton aims to make Sleister Music the top partner for school band programs in Iowa, continually improving their services and expanding their reach.Notable Quotes: "Everybody who's joining band for the first time in this part of the country, central Iowa, most of them, they'll start in the month of September." - Colton Sleister "I was frugal. I hated spending money because I could make it into more money." - Colton Sleister "One reason that was a great fit, me going to Drake University, is that I could, after classes, take the calls, line up appointments to show them instruments." - Colton Sleister "We'll be able to make partnerships with more and more schools, more and more parents like yourself in those schools, and word of mouth, us reaching out to them." - Colton Sleister "If you're dealing with people, at some point, you're gonna have people issues, probably right away." - Colton Sleister

In this riveting episode of the Uncommon Wealth Podcast, hosts Phillip Ramsey and Arron Cramer delve into the complexities of investing during a presidential election year. With the 2024 elections on the horizon, emotions are running high from both sides of the political aisle. The hosts aim to shed light on whether these emotions should impact investment strategies and how history has shown us otherwise.Phillip and Arron specifically discuss the research and data provided by the Capital Group regarding market behavior during election years. They explore how social media amplifies emotional responses and the potential for market volatility. Yet, they stress that staying invested, and perhaps even taking advantage of lower prices during volatile periods, is generally the most effective strategy. They also highlight which market sectors tend to perform well around election periods and identify the types of investors who usually thrive in such conditions. This episode is packed with invaluable insights for anyone looking to navigate the stock market during election time without succumbing to fear or speculation.Key Takeaways: Historical Market Behavior: Over the past 90 years, US stocks have generally trended up regardless of whether a Republican or Democrat won the White House. Volatility and Recovery: Markets tend to be volatile before elections but often rebound strongly after, especially in the first year following the primaries. Investment Strategies: Investors who stay fully invested or use dollar-cost averaging tend to do better than those who sit on the sidelines. Sector Performance: The energy sector tends to perform exceptionally well post-election, while consumer discretionary sectors fare well before elections. Psychological Resilience: Taking the emotion out of investing and focusing on long-term goals is crucial during election seasons.Notable Quotes: "Do elections really matter all that much when it comes to investing?" - Phillip Ramsey "Markets are emotional, so it doesn't surprise me that people get hesitant to invest in an election year." - Arron Cramer "Investors that get nervous and go to the sidelines during election years don't tend to do as well." - Phillip Ramsey "The companies don't just sit back and take a break during election years; they plan through whoever's going to be in office." - Arron Cramer "Try to take the emotion out of investing in an election year." - Phillip RamseyResources: Uncommon Wealth Partners Website Capital Group: American Funds ResearchThis episode is a must-listen for anyone looking to make informed investment choices during an emotionally charged election

The Uncommon Wealth Podcast, hosted by Phillip Ramsey and Arron Cramer, dives deep into the concept of compounding interest, famously dubbed the 8th wonder of the world. This episode is a quick yet profoundly informative guide on the power of compounding interest, essential for anyone looking to optimize their financial growth. With lively anecdotes and practical advice, Phillip and Arron make this complex topic accessible and engaging.Understanding compounding interest is crucial for financial success, yet it's often misunderstood. Phillip and Arron discuss how this concept starts slow but eventually leads to exponential growth. They urge listeners to utilize compounding interest calculators to visualize potential growth. They also draw enlightening parallels between financial growth and personal development, emphasizing that small, consistent investments can lead to significant returns over time. This episode is a treasure trove of insights for anyone eager to enhance their financial literacy and personal growth, underlining the importance of patience and persistence in both arenas.Key Takeaways: Power of Compounding Interest: Compounding interest can seem slow initially, but over time, it leads to substantial financial growth. Practical Application: Utilize online compounding interest calculators to see how small investments can grow exponentially. Parallel to Personal Growth: The concept of compounding interest applies to personal development too—investing in yourself and your relationships over time yields significant rewards. Credit Card Warning: Understand how compounding interest works against you with credit card debt, emphasizing the importance of paying off high-interest debts quickly. Investment Options: Explore various accounts like brokerage accounts or high-yield savings accounts to benefit from compounding interest.Notable Quotes: "The best asset you have to achieve your dreams is you." — Host "The power of compounding interest is fascinating... the problem is, it doesn't start out fast, and that's kind of how we're wired." — Phillip Ramsey "Think about a credit card. Why are credit cards so hard to pay off? They have compounding interest but going in the opposite direction of your favor." — Arron Cramer "Nothing worth having comes quickly." — Arron Cramer "Small things add up to being big things, end up being big things." — Phillip RamseyResources: Compounding Interest Calculators: Accessible online tools that help visualize the growth potential of investments. Uncommon Wealth Partners: Visit uncommonwealth.com to learn more about their services and how they can help you achieve financial growth.Don't miss this eye-opening episode on the power of compounding interest. Tune in to discover how you can leverage this financial principle to build your wea

Brittany Todd is a dedicated entrepreneur and the current owner of Mill Street Mocha in Decorah, Iowa. Brittany's career journey spans from professional photography to coffee shop ownership. She and her husband, Nathaniel, also own the beloved local ice cream shop, Sugar Bowl. Brittany is deeply involved in her community, focusing on delivering personalized service and forging genuine connections. She is also the brain behind the Reset Business Conference, aimed at empowering rural entrepreneurs with valuable insights and tools.Episode Summary:In this engaging episode of the Uncommon Wealth Podcast, host Phillip Ramsey welcomes Brittany Todd, the dynamic owner of Mill Street Mocha and co-owner of Sugar Bowl ice cream shop. Brittany candidly shares her journey from entrepreneurship in photography to successfully managing multiple local businesses. She explores the importance of being genuinely connected to the community and the personal fulfillment derived from operating small businesses. This episode is packed with insightful stories, reflecting Brittany's passion for creating a service-oriented business environment.Brittany discusses the unexpected but rewarding path to owning Mill Street Mocha, shedding light on the complexities and lessons learned from business acquisitions. With keywords like "entrepreneurship," "community engagement," "business acquisition," and "work-life balance," this episode serves as a treasure trove of practical advice for aspiring entrepreneurs. Brittany also highlights the significance of making incremental changes, emphasizing that understanding and empathy towards staff can lead to sustainable business growth. Key themes of resilience, community connection, and strategic planning are woven throughout the conversation.Key Takeaways: Building and maintaining a business significantly benefits from genuine community engagement and personalized customer service. Entrepreneurship often involves unexpected opportunities and requires the ability to adapt and learn on the go. The importance of having systems and processes in place to prevent burnout and ensure business sustainability. Involving and understanding the needs of staff members can greatly enhance operational efficiency and morale. For those contemplating a career change or business venture: Small incremental steps and doing thorough research can pave the way for a successful transition.Notable Quotes: "I've never been hired for a real job. If nobody will hire me, I'll just create one." "Nothing can make up for lost time, relationships, people. There is, you don't take it with you when you go." "It's a vibe about that community within that building." "You can give a gift card to anyone who asks for one, but is that really what their organization needs? Maybe they actually need something completely different." "Nothing is going to be your vision, but it's gonna somehow end up better than that."Resources: Brittany Todd on Instagram Mill Street Mocha - Brittany's website Reset Business Conference - More information on Brittany's conference aimed at fostering entrepreneurial growth in northeast Iowa.To capture the full depth of Brittany Todd's entrepreneurial journey and glean actionable insights from her experiences, listen to the full episode. Stay tuned for more inspiring dialogues on the Uncommon Wealth Podcast as we continue to bring you closer to individuals who are living life on their own terms.

In this lively episode of the Uncommon Wealth Podcast, hosts Phillip Ramsey and Arron Cramer dive into the concept of leveraging personal strengths and understanding how those same attributes can also act as personal pitfalls. They discuss the mantra that "You are your best asset, but also your worst enemy," offering listeners an insightful exploration into self-awareness and personal growth.Phillip and Arron break down their top three characteristics, or "superpowers,” and assess how these traits contribute to their success as financial advisors while also identifying points where these strengths might become hindrances. Through candid conversation and shared anecdotes, they emphasize the importance of balance, as well as the need for ongoing personal and professional development.Key Takeaways: Understanding and leveraging personal strengths is crucial for achieving an uncommon life. Self-awareness of how these strengths can also act as weaknesses is key to personal growth. The dynamic of being both an encourager and a leader can promote teamwork but also risk manipulating situations for selfish gain. Continuous learning is vital, but it should not immobilize taking action and serving clients. Competitiveness can drive success but may also lead to unnecessary complication of simple tasks.Notable Quotes: "You don't really worry about money, although you do get money. And then you don't really worry about retirement because you love what you do every day." – Phillip Ramsey "If you're using your giftings every day, you don't really worry about money." – Arron Cramer "Sometimes you feel like you've got handcuffs on because you're loyal almost to a fault." – Arron Cramer "I can compete with you, want you to do your best, encourage you to do your best, and still want to beat you." – Phillip Ramsey "It's really easy to run to what is comfortable for you." – Arron CramerResources: Uncommon Wealth Partners "The Five Love Languages" book mentioned during the conversation.To dive deeper into understanding how your best attributes can also be your worst enemies and to learn strategies for leveraging strengths while avoiding pitfalls, listen to the full episode. Stay tuned for more enlightening conversations on the Uncommon Wealth Podcast!

In this episode of the Uncommon Wealth Podcast, hosts Phillip Ramsey and Arron Cramer dive into the critical topic of self-care and its impact on our ability to help others. The discussion takes inspiration from safety protocols in aviation and lifeguarding, emphasizing the necessity of prioritizing one's health and well-being before trying to assist others. This episode is packed with valuable insights and practical strategies that highlight the importance of self-preservation for sustained service to others.Phillip and Arron dissect the metaphor of putting on your oxygen mask first, drawing parallels to everyday situations where neglecting self-care can lead to burnout and reduced effectiveness in professional and personal life. With candid anecdotes, including Phillip's own revelation about managing stress-induced high blood pressure, the hosts stress the importance of sustainable practices and healthy boundaries. This enriching conversation will resonate with listeners who find it challenging to balance altruism with self-preservation.Key Takeaways:Self-care is Essential: Understanding the importance of taking care of yourself first in order to effectively help others.Sustainable Practices: Emphasizing the need for a sustainable approach to helping others without sacrificing your own health and well-being.Healthy Boundaries: The importance of setting and maintaining healthy boundaries to prevent burnout and ensure long-term ability to serve.Practical Strategies: Real-life examples and strategies for integrating self-care into your daily routine to maintain peak performance.Mindset Shift: Encouraging a shift in mindset from viewing self-care as selfish to seeing it as a crucial element of sustained service and contribution.Notable Quotes:"When there's an emergency and there's oxygen that comes down from the plane, what do they say first? Put the mask on yourself." – Phillip Ramsey"If you're knocked out, you can't help anybody." – Phillip Ramsey"Are you going down a sustainable path for you? Because if you're not, what can you do to put the oxygen mask on yourself first?" – Phillip Ramsey"When you have a serving mindset and you just want to help people, the thought of, like, putting yourself first feels selfish." – Arron Cramer"Being a good steward of what God's given to me, my body, that was a good wake-up call." – Phillip RamseyResources:Visit Uncommon Wealth Partners to learn more about their services.Follow Phillip Ramsey and Arron Cramer for more insights and discussions on pursuing an uncommon path.This episode is a must-listen for anyone struggling with the balance between self-care and serving others. Tune in to the Uncommon Wealth Podcast for more inspiring content and practical advice on living an uncommon life. Don't miss out on upcoming episodes—subscribe now!

About the Guest(s):Elle Terhaar: Elle Terhaar is a dynamic entrepreneur and the current owner of ReproScan Technologies. With a background steeped in international experience and a passion for innovation, Elle joined ReproScan Technologies in 2015. Over the years, she has expanded the company's reach and product line, focusing on veterinary ultrasounds, primarily for the cattle industry. Known for her driven, competitive nature and visionary outlook, Elle is shaping the future of ReproScan Technologies to embrace emerging technologies in the agricultural sector.Episode Summary:Welcome to another episode of the Uncommon Wealth Podcast! Join host Phillip Ramsey as he dives deep into the inspiring journey of Elle Terhaar, the motivated and visionary owner of ReproScan Technologies. In this episode, Elle recounts her unique upbringing and the adventurous spirit instilled in her by her parents, leading her to take bold steps in her career. From moving to the Bahamas during her formative years to demanding ownership in ReproScan Technologies in her mid-twenties, Elle's story is a testament to the power of belief and perseverance.Elle discusses the inception of ReproScan Technologies, a company that specializes in veterinary ultrasound equipment for cattle. She explains how her partners, originally from Canada, trusted her vision and leadership to drive the company forward. Together, they overcame initial challenges and expanded the business, serving a growing customer base of hardworking farmers and veterinarians across the globe. Elle's leadership strategy involves fostering an inclusive environment where team members are encouraged to share ideas and take ownership of their roles. Tune in to learn more about Elle's journey, the growth of ReproScan Technologies, and her vision for the future.Key Takeaways: Elle Terhaar's entrepreneurial journey began in her formative years, shaped by her adventurous and supportive parents. ReproScan Technologies was founded by beef veterinarians in Canada and has since grown under Elle's leadership, focusing on veterinary ultrasounds for cattle. Empowering team members, staying humble, and being open to new ideas are crucial aspects of Elle's leadership style. ReproScan Technologies aims to be a household name in durable veterinary ultrasounds, with plans to expand into other species and potentially new technologies. Elle's experience underscores the importance of taking bold steps, believing in oneself, and the power of perseverance in achieving business success.Notable Quotes: "I love to learn, honestly. I love to learn and I love to grow businesses." - Elle Terhaar "My parents always said, hey, what do you want to do? Let's try it." - Elle Terhaar "I want to be the rough and tough, out in the field. Great customer service. Hey, we'll get it taken care of." - Elle Terhaar "Staying humble even when things are going well and being open to ideas." - Elle Terhaar "Sometimes it's like, you know what? Take a breath and listen." - Elle TerhaarResources: ReproScan Technologies Elle Terhaar's Contact: elle@repro-scan.comFor more insights into Elle's journey and the future of ReproScan Technologies, listen to the full episode. Stay tuned for more inspiring stories and expert advice on the Uncommon Wealth Podcast!

In this episode of the Uncommon Wealth Podcast, hosts Phillip Ramsey and Arron Cramer tackle the often unspoken topic of failure and its critical role in shaping successful lives and careers. The hosts delve into personal stories of setbacks and missteps, drawing from their own experiences to illustrate how failures, rather than hindrances, can serve as crucial stepping stones to growth and resilience. This candid discussion aims to de-stigmatize failure and highlight its importance on the path to uncommon wealth and life satisfaction.Key Takeaways: Embracing Failure: Understanding that failure is an integral part of personal and professional growth. Learning from Setbacks: Using failures as opportunities to gain insights and improve future decisions and actions. Self-Awareness: The importance of recognizing and addressing personal weaknesses and setting healthy boundaries. Hard Conversations: The necessity of having honest and difficult discussions to foster growth and resolve issues. Value of Resilience: Building resilience through consistent self-reflection and perseverance despite challenges.

In this engaging episode of the Uncommon Wealth Podcast, host Phillip Ramsey delves into the inspiring journey of Jess Schroeder, the founder of Expedition Wellness. Jess shares her uncommon path from working as a dietitian in various capacities to launching her own business. Her story is one of determination, passion, and resilience, capturing the essence of what it means to pursue one's true calling in the wellness industry.Throughout the conversation, Jess discusses the significant phases of her career, from her initial roles in the West Des Moines school district and Mercy Hospital to her pivotal role at Cook Facial Plastic Surgery. Each experience contributed to her understanding of the importance of personalized care, leading to the establishment of Expedition Wellness. Jess emphasizes the critical need for dietitians to be visible and actively involved in the healthcare industry, and how her business model caters to the complete well-being of her clients, encompassing nutrition, fitness, mental health, and meal planning.Key Takeaways: Reclaiming the Narrative in Wellness: Jess stresses the importance of dietitians being visible and active in the healthcare industry to effectively help individuals. Navigating Health Information Overload: She advises seeking professional guidance from dietitians to avoid the confusion caused by the plethora of health information available online. Comprehensive Wellness Approach: Expedition Wellness offers a holistic health approach, including nutrition, fitness, mental health coaching, and meals planning to ensure overall well-being. Overcoming Initial Business Challenges: Jess candidly shares her early challenges with pricing and cash flow management when starting her business, highlighting the learning process in entrepreneurship. Future Aspirations: Jess envisions expanding her business to offer additional services such as lab testing and personalizeResources: Expedition Wellness Website Expedition Wellness Instagram Expedition Wellness Facebook Expedition Wellness TikTok Expedition Wellness Pinterest

In this episode of the Uncommon Wealth Podcast, host Phillip Ramsey interviews Aaron Lenz, a remarkable entrepreneur who defies the odds in the restaurant industry. Aaron shares his inspiring journey from a small pizza joint in Perry, Iowa, to managing multi-million dollar restaurants in major cities, and eventually owning successful establishments in Orange City. His story is a testament to resilience, strategic decision-making, and the pursuit of passion.Aaron dives into the complexities of restaurant ownership, explaining why the adage "restaurants are where good money goes to die" holds true yet can be overcome with proper management and vision. Through detailed anecdotes, Aaron illustrates the hard work, narrow margins, and high costs that define the business. He emphasizes the importance of empowering employees and crafting a unique customer experience, shedding light on his philosophy and entrepreneurial drive. Despite the challenges, Aaron's journey underlines the rewards of creating a thriving dining establishment in unexpected places, making a compelling case for following one's dreams.

C-Roc is joined by Phillip Ramsey, co-founder of Uncommon Wealth Partners, to delve into the transformative power of embracing challenges and focusing on the journey rather than the destination. Phillip shares his philosophy on goal-setting, emphasizing the importance of not being attached to the results but rather being fully engaged in the actions taken to reach those goals. Together, they explore the mindset shift required to view tough times as opportunities for growth and learning. Phillip discusses how running towards challenges, much like buffaloes do during storms, can lead to quicker resolution and personal growth. They also touch on the significance of vulnerability and transparency in professional and personal development. Phillip's passion for helping people utilize money as a tool to achieve their life goals is evident as he talks about building a company centered around people, not just financial products. He encourages listeners to identify and pursue their unique gifts, advocating for a life where work is driven by passion and impact rather than a quest for financial milestones. Tune in to gain insights on switching your mindset during difficult times, the value of running towards challenges, and the importance of leveraging your unique talents to make a meaningful impact. Whether you're an entrepreneur, a professional, or someone looking to enhance their personal growth, this episode is packed with valuable lessons and inspiration. Website- uncommonwealth.com https://www.instagram.com/uncommonwealthpartners

In this thought-provoking episode, hosts Phillip Ramsey and old friend of the show Dan Navarro delve into the concept of transformational giving, discussing its significance and how to practice generosity with intelligence and enthusiasm. We are introduced to Verne Murray, whose stories and insights provide practical approaches to generosity that can shift our typical understanding of wealth accumulation.We start by exploring the difference between transactional and transformational giving, learning how the latter can enrich lives far beyond the monetary aspect. Verne shares his personal giving story that highlights the biblical principle of putting giving at the forefront, leading to a heart transformation and a deeper understanding of stewardship.Key Takeaways: Transformational giving is focused on making a meaningful impact and involves a deep connection between the giver and their values. Stewardship is a central theme; it's not just about the amount given, but the heart and intention behind the giving. Effective giving should use both the heart and the mind, utilizing tools like donor-advised funds to maximize generosity. Early engagement with financial planning for giving is crucial for maximizing the potential impact of one's charitable efforts. The legacy of generosity is not just measured in terms of wealth transferred but also in the values and experiences that are passed on to future generations.

In this episode of the Uncommonwealth podcast, host Phillip Ramsey welcomes the multifaceted David Barwin for a deep-dive into his unique journey and the roles that shape his life. As a guiding figure in the world of business education and an active facilitator for the Goldman Sachs 10,000 Small Businesses program, David sheds light on the intricate dance of teaching, coaching, and fatherhood.David walks us through his transition from athletics to coaching, and eventually to academia, where he found a profound joy in helping others realize their potential. His experiences growing up with an entrepreneurial father offered formative lessons that he now passes forward, both as a business professor and through the Goldman Sachs program. Furthermore, David opens up about his approach to parenting, teaching, and the delicate balancing act required. David's unique approach to education, blending coaching methodologies with business teachings. Insights into the Goldman Sachs 10,000 Small Businesses program, its mission, and impact on communities. The importance of fostering growth-mindedness and ambition among entrepreneurs in the Midwest. Personal anecdotes about parenting and instilling values of self-made success, reminiscent of the lessons from his father. Reflective insights on how to support and inspire students and business owners towards achieving their full potential.Key Takeaways: David Barwin illustrates the rewarding experience of transitioning from an athlete to a coach and then to a business educator. He emphasizes the value of entrepreneurship education and its ability to empower students and local communities. David is a key facilitator for the Goldman Sachs 10,000 Small Businesses program, advocating the program's benefits for small business growth. He shares a conscious approach to parenting, highlighting the importance of intentionality and supportive encouragement. The episode explores the idea of striving for success that aligns with one's passions and the positive ripple effect

Join hosts Phillip Ramsey and Arron Cramer on the Uncommon Wealth podcast as they delve into the third part of the series on how to think about money. In this episode, we'll explore the concept of financial freedom and the importance of defining it for yourself. We also discuss the dangers of comparing yourself to others and the true meaning of wealth. Discover how to prioritize relationships and experiences over material possessions and gain a fresh perspective on what it means to be truly wealthy. Tune in for an insightful and thought-provoking discussion on money and mindset.

In this episode of the Uncommon Wealth Podcast, hosts Phillip Ramsey and Arron Cramer delve into the extraordinary journey of entrepreneur Nick Darland, the founder of the construction company HomeRevisions, LLC. The episode is a treasure trove of insights into how Nick confronted his adversities, starting a business at a young age, experiencing failure, and rising again with renewed vigor to create a venture that is a testament to quality craftsmanship and dedication.Nick's spellbinding narrative encompasses the inception of his business, the trials faced during its nascent stages, including dealing with debt and personal life challenges. The conversation also touches upon the significance of having strong support systems such as his wife Taylor, who played an instrumental role in Home Revisions' success. Furthermore, Nick shares transformative experiences related to his faith and how it has impacted both his personal and professional life.

Phillip and Bryan are authors, podcasters, and co-founders of Uncommon Wealth Partners. In this episode, they share their unique approach to planning, their book, some awesome client stories and show their passion for truly healing their clients on their financial journey.   To connect with Phillip & Bryan go to - https://www.uncommonwealth.com/   To get in touch with Tyler go to - https://tylerkamerman.com/

Interview Prep: Simple. Fast. Affordable https://www.candidateclub.com/pricing    Bryan Dewhurst and Phillip Ramsey share their inspirational work and message of helping people take control of their life, career, and work.   Whether it's starting a side business, pursuing a career passion, or selling watercolor paintings, Phillip and Bryan think outside the 9-5 box and help people change their lives.   The Uncommon Life Project Podcast: https://www.uncommonwealth.com/podcast/   The Uncommon Wealth Book: https://www.uncommonwealth.com/resources/book/     Follow a Link and Say Hello to The Job Interview Experience! INSTAGRAM https://www.instagram.com/thejobinterviewexperience/ FACEBOOK https://www.facebook.com/TheJobInterviewExperience/ YOUTUBE https://www.youtube.com/channel/UChkVJnExRytTjUyjBWIMvyw THE JOB INTERVIEW EXPERIENCE WEBSITE https://www.jobinterviewexperience.com/

In this episode, Stacy sits down with Phillip Ramsey and Bryan Dewhurst, who are the co-founders of Uncommon Wealth Partners. They are financial planners that think differently about money and provide clients with information beyond retirement planning by helping them define goals, implement plans, and create wealth. The three discuss how you can better invest in yourself, your business, and maybe, even crypto.

In this episode of Self-Directed, Mitchell sits down with Phillip Ramsey and Bryan Dewhurst, the Co-Founders of Uncommon Wealth, to discuss what it takes to live an uncommon life as well as the path they took to get there. ----- Learn more about the Uncommon Wealth path here: https://www.uncommonwealth.com/ Learn more about Phillip and Bryan here: https://www.uncommonwealth.com/about-us/bryan-dewhurst/ https://www.uncommonwealth.com/about-us/phillip-ramsey/ New book: Uncommon Wealth: https://www.uncommonwealth.com/resources/book/ https://discoverpraxis.com/uncommonwealth/ ----- Praxis is a 6-month bootcamp that results in a full-time job at a startup. Learn more at: http://discoverpraxis.com/ Apply now at: https://www.discoverpraxis.com/apply

With the hope that it might inspire you to make the most of your own uncommon path, we thought today we'd discuss ways to start or accelerate that journey. We tasked each other with coming up with three suggestions that we would reveal for the first time to each other in this podcast. Interestingly enough, while we didn't have any suggestions that were exactly the same, as a whole the list of six concepts create a very solid foundation on which to build your entrepreneurial goals. The conversation is far reaching and touches on everything from Leonardo Dicaprio to water skiing. Throughout, we also share solid advice and examples for creating consistency in your business, making sure your life partner is on board with your business goals, what it means to match your timeline to your risk tolerance, how to properly invest in your company's growth, and when to focus instead of diversify. We want you to share more of your uncommon brilliance with the world and hopefully some of these tips will help. what you will learn in this episode: The power of consistency Why spousal support is integral to long-term success The importance of systemizing and documenting your process What it means to match your timeline to your risk tolerance The need to double down and invest in the main thing you do How diversification can destabilize you Why you should start every goal with the end in mind

Whether you're pre-retirement, on the cusp of retirement, or already retired, financial flexibility should be a focal point in the planning process. There are plenty of familiar concepts such as social security and budgeting, but approaching them strategically will enable you to enjoy retirement with significantly more freedom. In this duocast episode of The Uncommon Life podcast, Bryan and I discuss the common and uncommon approaches to retirement planning. During our conversation, we address the common questions associated with retirement planning. We explain how to approach budgeting strategically so you can get to the other side of this big decision and understand what your future will look like. In addition, we explore how the homebuying process ties into your retirement strategy, as well as the different filing options for social security. The earlier you start focusing on the points above, the more fruitful your retirement plan will be. As a matter of fact, if you take a strategic approach to retirement planning, you will be able to achieve your retirement goals before 65. Tune into this week's episode of The Uncommon Life podcast to learn more about what you can do to start planning for the future. what you will learn in this episode: How to address the common questions associated with retirement planning How to approach budgeting strategically How the homebuying process ties into retirement planning The different filing options for social security Goals you can set to reach retirement early How to think about health insurance for retirement

Most financial advisors will hand you an eighty-five-page financial plan and send you an invoice. The reality is that most people don't want to sort through a novel when they're already preoccupied with their financial future. That is why we created The Uncommon Financial Dashboard. The Uncommon Financial Dashboard is the culmination of a decade in business coaching and financial advisory. It is a one-page plan you can use to figure out where you are currently, where you need to go, and how you're going to get there. The financial assets outside of your investment accounts, 401k, or Roth IRA, have just as much of an impact on your financial plan as putting money into the stock market. With that in mind, our dashboard is designed to help visualize how all of these assets fit together so you can make financial decisions more effectively. As financial advisors who care about all aspects of your life, we want to provide you with tools and resources to help you achieve your goals faster. In this week's duocast episode of the Uncommon Life Project, we explain how The Uncommon Financial Dashboard will help you design your own success blueprint, realize your vision for the future, and get there quickly. what you will learn in this episode: What a financial dashboard is and why you need one What the Uncommon Financial Dashboard is How our dashboard will help you figure out where you are, where you need to go, and how to get there. How to develop unified goals that build wealth Why you are your greatest asset Different ways you can use our dashboard to build your own success blueprint Why financial planning is a process, not an event The specific sections of our financial dashboard and why each one is important

I'm Bryan Dewhurst and I'm really proud to be one of the co-founders of Uncommon Wealth Partners, LLC along with my friend, Phillip Ramsey. I've spent more than a decade learning from mentors and serving clients with other firms and it was finally time to step out and do it the way we wanted it to be done. My professional background is in economics and consulting. One of the elements of our work that I love the most is having the opportunity to teach investors, business owners, professionals and families the strategies that work for corporations and banks. If it can help the big corporations why shouldn't we harness the same opportunity, risk management and diversification to clients all over the country. At the core, I want people to win at the game of life. I know that I want to have an uncommon life and I want other people to have a growth mindset and the same opportunity and upside that I see for myself, my family and our clients. Phillip's Bio: My name is Phillip Ramsey. I am married to the woman of my dreams, I have three amazing children, I have awesome friends and I get excited every day to go to work. I am honored to say I have been an Iowan my whole life. I am truly blessed far beyond what I deserve. Ironically, I started in the financial services industry because of my own negative experience. I never felt like I was getting help from any of the advisors I met with. I determined that I was going to become the advisor I hoped to talk to when I needed help. I promised myself when I started that I would be uncommon in this industry. I started with Principal Financial Group and learned a lot about how finances worked but I quickly saw that the goals my clients had and the goals I had for my clients were different from the company's goals. After this realization, I decided to leave Principal and become an independent financial advisor. It was at this point I met my friend, Bryan Dewhurst and together we started formalizing our competitive advantage. Prior to becoming an advisor, I was a pharmaceutical rep and felt like I learned two valuable lessons while in that job. First, I wanted to own my own business. We are independent which means there isn't anyone telling us what we need to sell or telling us what companies we have to sell for. Second, I wanted to do the research for myself instead of taking other people's word for it. Now our clients get fresh new ideas that aren't even being discussed with other advisors because we have done our own research. We feel our job is to educate our clients and provide them with as many options as we can and let them make the decision as to what they want to do. What you'll learn about in this episode: Why Phillip and Bryan recognized the failings of the financial advisor industry and decided to do things differently Why the key to the work Phillip and Bryan do lies in helping people identify and lean into what they're passionate about in life How they help their clients realize that there are lots of ways to monetize their passion and build financial security How Phillip and Bryan help people get clarity on their risk tolerance and take sensible risks when growing their wealth What impact Phillip and Bryan have seen in their clients due to the global pandemic, and why the way people view big business has changed Why the team at Uncommon Wealth Partners works to meet people where they are, even if their chosen investment vehicle is unorthodox Why being successful in any kind of investing is a learning experience, and why even if you at first struggle you should learn and try again How Phillip and Bryan have begun integrating Bitcoin and other cryptocurrencies into their offerings for their clients How the global pandemic has been an eye-opening experience that has pulled the veil back on how our economy works How Phillip and Bryan are launching their first book, “The Uncommon Wealth: You Are Your Best Asset, Invest In Yourself” in spring 2021 Resources: Website: www.uncommonwealth.com The Uncommon Life Project podcast: www.uncommonwealth.com/podcast/ Bryan's LinkedIn: www.linkedin.com/in/bryan-dewhurst-a1946370/ Phillip's LinkedIn: www.linkedin.com/in/phillipramsey/ Facebook: www.facebook.com/uncommonwealthpartners/ Bryan's Twitter: @bryandewhurst Additional resources: Real Estate on Your Terms by Chris Prefontaine SmartRealEstateCoachPodcast.com/webinar SmartRealEstateCoachPodcast.com/ebook SmartRealEstateCoach.com/QLS Smart Real Estate Coach Podcast Sponsor: Paul G. Dion CPA, CTC

Business is all about managing risk and finding opportunity. Finding that opportunity can mean that your business has excess cash on hand, more than is needed for daily operating expenses. It seems like a great problem to have: business is going well and you have built up solid cash reserves. The idea is to maintain liquidity, but also generate some yield on that money. It's great that it is there, but you also want to put it to work for your business in a way that is accessible and avoids unnecessary risk. You don't want to take your eye off the main focus of your business, but you've got to manage the assets your business has built up. The big question: How? For multi-national corporations, they have an entire department devoted to this cash on hand. This unique role is called Corporate Treasury. But what can smaller businesses do to manage their treasury, without an army of accountants and number-crunchers on the payroll? We want to show you the variety of ways you can leverage your cash on hand, and share with you how a smaller company can manage treasury without staffing up. what you will learn in this episode: What Corporate Treasury is How your business can most effectively leverage cash on hand The right way to manage savings and debt reduction for business Understanding the Uncommon Debt Ratio Why it's so important to “know your numbers” How to use whole life insurance as a resource in business How you can use cryptocurrency as part of your corporate treasury strategy Why it's easier and more cost-effective than ever to outsource your CFO role

We hate, (and we can't stress this enough: hate!) college debt. We want to help you and your kids avoid it. But college is expensive. One avenue for college savings is through a 529. And while we don't love an instrument that ties up your money so you can't use it until sometime in the future, there are some secrets we'd like to share about how to leverage 529s as one part of your college planning. In this episode, we dig into the nitty-gritty of 529s. The 529 rules and landscape have changed in the past few years, and some challenges and barriers that were in place before have been broken down. That's great! We want to tell you about those and how you can get the most out of 529s. And what about funding your kids' and grandkids' education beyond the 529? We get into that too. what you will learn in this episode: The three legs of college planning Recent changes in 529s you should know about How parents AND grandparents can use 529s to help with college (and pre-college) planning The importance of researching your state's specific 529 plan structure How to get the tax deduction on 529 education expenses Helping with a child's college expenses without sacrificing your retirement savings Some very cool, Uncommon ways to use 529 money for college expenses “Some recent changes to how 529s are managed and regulated mitigate many of the concerns we have had in the past about 529s.” – Bryan DewhurstCLICK TO TWEET“We had clients who wrote a check to the private school without putting it through a 529 first. We helped them get the money back and get the tax deduction through the 529.” – Phillip RamseyCLICK TO TWEET“Recent changes mean you can use a 529 plan not just for college, but for K-12 expenses as well.” – B

Working for someone else, you might ask the question: Is my hard work paying off? The Uncommon Path often involves business ownership in one form or another. We see it over and over again that when you own a business, your hard work is rewarded. There will be ups and downs for sure, but the rewards outweigh the challenges. In this episode, we are exploring what it takes to buy and sell a business. How do you know—whatever side of the transaction you are on—whether you are getting your money's worth? That's why we wanted to explore different ways of valuation of a company, and also different ways for a buyer to purchase a company. Should you just buy the business with 100% cash? Should you opt for seller financing, or something in between. We love helping people find the right answers for them, and if you are looking to buy or sell a business, that's what we want to do for you in this episode. what you will learn in this episode: Why 2020 might be a great time to buy a business Why there are multiple ways to value a business How funding a business is like a teeter-totter The advantages and restrictions on rolling an IRA into your business 401(k) Learning the “net take” method of business valuation Why a business seller might not want to take a lump-sum payment for the business The double-edged sword as a business owner of protecting your money from taxation and valuation when you go to sell Understanding the percentage of revenue model of business valuation What types of businesses are the best fit for different valuation methods

When you bring a new mindset to something you've commonly done, you get uncommon results. Encouraging people to follow their dreams is not new. But how do you put a plan into place to gain traction so you can follow your passion? That's what we are exploring in this episode. There is a story about Fast and Furious actor Paul Walker that resonates with our approach to wealth management. We get into the details in this episode, but the crux is this: his passion was financially unsustainable until his advisor helped him with a mindset shift, turning his passion from a financial liability to a financial asset. That is at the heart of what we help people do. In this episode, we use Walker's story to talk about the challenges and ultimate rewards of investing in yourself. Whether life is smooth sailing, or you've lost your job, or are doing something you don't like, or you're living in fear, now is the best time to double down on your gifts and think differently. And if you need help thinking differently or looking at your situation with a different perspective, that's our passion. We're here to share our passion with you and help you find a path forward with your own passion. what you will learn in this episode: How to move your passion from a liability to an asset The mindset shift that can make it possible to build your passion into a business Why making money doing what you don't love is a hard slog How to start a plan to move toward monetizing your passion The art of feeding that Jumanji drumbeat inside you Why entrepreneurship is becoming more and more prevalent How to move from a side-hustle mentality to a business mentality How COVID-19 is teaching us (once again) that the “safe” job may not be so safe

You've planned for retirement in a general way. You have some money stashed away in IRAs and other accounts. Now you can just coast into retirement and forget about money, right? Nope, that's not how retirement works for most of us. But the important thing is that you do have options. In this episode, we want to help you explore your options. There are many different approaches to take as you head into and plan for retirement–or as we like to call it “time freedom” mode. Don't get pushed into a path you are not comfortable with, because when it comes to retirement income one size definitely does not fit all. Some people want a lot of guarantees, some people are okay with risks. In this episode, we want to educate you about your choices. If you are getting ready to “clock out” of the regular work schedule you've been on before retirement, we want you to know what your options are so you can make the best choices possible. what you will learn in this episode: Why Retirement Income is not one-size-fits-all Understanding guaranteed and non-guaranteed income How to define financial freedom for yourself and build a plan that works for you The options you have for retirement income What to expect from pensions and social security income How to make sure you have enough liquid assets to manage during retirement

Are you curious about Bitcoin and cryptocurrency in general? Want to understand more about it? Well, Bryan is the man you want to talk to! This episode is a duocast, but mainly it is Phillip interviewing Bryan about the promise and potential pitfalls of cryptocurrency, specifically Bitcoin. Some background is necessary to understand this episode better: Bitcoin is banking. Bitcoin can bank without intermediaries. That's what makes it so powerful. Bitcoin uses peer-to-peer technology to operate with no central authority. Managing transactions and the issuing of bitcoins is carried out collectively by the network. Transactions are verified and recorded in a public distributed ledger called a blockchain. Bitcoin was invented in 2008 by an unknown person or group of people using the name Satoshi Nakamoto. This is some serious geekery, but we are convinced Bitcoin and other cryptocurrencies are not going anywhere. You will do well to understand it and potentially dip a toe into cryptocurrency to see if it is an investment that makes sense for you. what you will learn in this episode: What Bitcoin is and is not The history of Bitcoin and why it was developed How blockchain creates triple-ledger accounting Understanding Bitcoin mining How to buy Bitcoin and other cryptocurrencies How cryptocurrency stacks up against the current banking system What to consider when thinking about investing in Bitcoin How “stable coins” fit into the cryptocurrency universe resources: The Bitcoin Standard: The Decentralized Alternative to Central Banking Mastering Bitcoin: Programming the Open Blockchain The Internet of Money Try Coinbase: https://www.coinbase.com/join/dewhur_t

Passive income sounds so nice. You make a pile of money while sitting on a beach somewhere. But does it really work like that? Not really. In fact, we don't like the term ‘passive income' and much prefer terms like ‘passionate income' or even ‘active income.' But why? This episode is all about the goal we all have, which is financial and time freedom. Even if that means sitting on a beach somewhere, how do you get there? It's like any “overnight success.” It takes time and effort. It starts with identifying your passion and discovering ways to create residual income and cash flow from that passion. Because the truth is, passive income isn't truly passive if you do it right. It's passionate income. It is a lifestyle, it is a movement. It's aligning your God-given gifts with a path to that time and financial freedom. That's the path we love helping our clients with, and it's what we want for you. what you will learn in this episode: The hard work that is usually behind what people call passive income How a growth mindset is a key element to generating cashflow Why chasing rate of return is not always the best policy The biblical principles behind where your money and attention go How to keep the main thing the main thing How your financial accounts tell a story about what you value Aligning your investments with your interests and passions How to create multiple exit strategies through your investments and cash flow Why a value ladder is a great strategic business tool to build residual income

When challenging times come, opportunity comes right along with them. We see this play out over and over throughout history. The entire world is in an unprecedented holding pattern because of COVID-19. How should you respond? Things are uncertain and scary right now, so we wanted to create an episode to talk about that. Jobs are being lost and business paradigms are being disrupted. But in the midst of this, there are touchstones to hold on to. How can you spend this time with your family? Who should you reach out to? What should you start doing that you were not making time for a month or two ago? What we are living through represents a huge reset button on many levels. How we respond is up to us. We just want you to know you are not alone, and that opportunities do await in the midst of this crisis. what you will learn in this episode: The amazing, intentional ways your family can connect during a crisis How to help kids focus beyond themselves and reach out to friends and family Avoiding the “Cam Newton Effect” of blaming others for challenges you face How business paradigms might shift more rapidly in the wake of this pandemic Why grace needs to be more abundant than ever How this crisis might impact commercial real estate The potential of acceleration toward more self-employment

We are in an unprecedented time. Coronavirus is here and everything is uncertain. If you don't have the mental tools to stay afloat during this period, it can suck you into the "doom loop". That's why it is so vital right now to have a trusted network and advisers that you can go to in times of trouble. They can help you stay focused on opportunity, productivity, and growth. And in my network, it's Bryan Dewhurst and Phillip Ramsey of Uncommon Wealth Partners. They're also the hosts of The Uncommon Life Project where they guide you to asking different questions, considering different paths and building a life that fits your unique definition of what your uncommon life might be. We went unscripted and shared our perspectives on the whole coronavirus situation, especially how you can get through this. Show notes: [06:58] What's our current situation Many people are calling our situation as "The Great Depression Of Our Era". For the US it's positive because its election year and the government moved pretty quick with the stimulus. So much of the growth we had out of the last financial crisis was fueled by debt, making a lot of the companies will be in a cash flow crunch. [09:35] Corporate Share Buyback Loop In a Nutshell Basically, companies can take a portion of their cash and profits and buy their own stocks. This reduces the amount of stock in the public market. The corporate executives and board of directors have the ability to authorize compensation packages and it can include the award of stock. It's becoming an enrichment scheme for corporate executives using corporate money to buy corporate stock. [14:40] Effects of the pandemic to small business owners There's a package where you can apply to a direct SBA loan at a low-interest rate to have access to cheap capital. Have a strategy for organizing your capital and staying liquid. Having digital products to sell and strategy is crucial. For small business owners, this is the opportunity of the lifetime if you positioned your firm well and is sitting in cash [17:26] How to respond in light of this pandemic Prioritize what's important to you and do what it takes to be intentional on that list. You can either respond with fear or opportunity. It will dictate your results in the future. You need to be creative in how you conduct business in the coming months ahead. Business as usual is now out of the door [23:00] Creative ways that business owners can do to build and grow their business The uncommon response right now is to amp up your marketing. This is the best time to get in front of people. The people who are starting to see the opportunities in this pandemic are doubling down on what they know best. The people who take ownership of the things that they're responsible for and start choosing a path that feels right to them are the ones who'll thrive. [32:43] How can someone who lost everything move forward This is the time to see what you're made of. Get a mentor to help your leapfrog out of your situation. Now is the time to experiment with things like marketing.

There's a parable we came across about the 3 bricklayers: one sees it as a dead-end job, the other sees it as a career that pays the bills, and the other can't wait to wake up tomorrow and keep building a beautiful cathedral. The point is, the same set of circumstances can be met with different mindsets. We want nothing less than to help people wake up and feel passionate about whatever it is they are doing. None of that happens overnight, and mindset is just the start. In this duocast, we talk about what it takes to go from being frustrated about your day-to-day, to living out your gifts and calling that God has given you. We've lived it ourselves, and we've helped clients at every stage of the bricklayer continuum – and it never gets old (because guess what? We're doing what we love!) what you will learn in this episode: The difference between doing a job, making a living, and living your dreams How to take the right steps when you are in a job you hate How mindset impacts the move from being a bricklayer to owning a brickyard How to use your God-given gifts to guide your own destiny The problem with golden handcuffs Why mindset makes the same experience different for different people How to build wealth in multiple ways out of your passion and integrity

If you've followed us for any length of time, you know how we feel about IRAs and 401(k)s. They are great, but hardly the only game in town, especially if you don't want all your money tied up until you are 59.5. That's where tax-managed investing might come in handy. Investments are a great source of residual income, but there is a lot of mystery and fear surrounding investments. That's why we wanted to do a deep dive in this episode. Tax-managed investing isn't new. It's been around for a while. But it has recently gained a lot of popularity. As consumers and advisors become more and more tax-conscious, we wanted to dig into this topic so you have a starting point for knowledge on what can seem like a tricky subject. Why would you choose this strategy (or set of strategies) in addition to an IRA or other retirement accounts? How do taxes affect the rate of return on my investments in a given year? Find out the answers as we tackle these questions and more. what you will learn in this episode: How to leverage tax-managed investing instead of or along with traditional retirement accounts How money managers are able to mitigate tax liability within portfolios What tax loss harvesting is Why we focus on clients and hire experts to manage portfolios The differences between short-term and long-term holdings How to use dividend-paying stocks along with tax-managed investing strategies

At the end of the rainbow, you need to have a pot of gold. We're talking about that 800-pound gorilla, retirement income. How do you build it, how do you get it when you need it, and how do you make it last? In this episode, it's just Bryan and Phillip talking together about these retirement income questions and more. There really is no one way to build up income for retirement, but there are some concepts to understand and strategies to decide on sooner rather than later, depending on your personality, job situation, risk-tolerance, and other factors. How do you fill in the gap between what you'll be getting from Social Security and maybe a 401(k)? That's what we're talking about here. People these days often have 30+ years of retirement to account for, so having a plan for retirement income is a big deal. We'll share with you several retirement income systems that people have used over the years, so you can understand which one – or a hybrid of several – might be right for you. what you will learn in this episode: Three basic ways people deal with retirement income Strategies for making your money last through retirement Why no one retirement income philosophy is one-size-fits-all Understanding the three phases of retirement What the “retirement red zone” is How to use a bucket strategy for retirement income Why $1Mil in a 401(k) might not stretch as far as you think 4 factors that could affect your retirement Why inflation is such a big factor in your retirement planning

Phillip Ramsey from Uncommon Wealth Partners joins us in studio to talk about rethinking wealth, retirement and your dreams (it’s awesome, dig on it). Also, Pope Style advice about listening to God, whether you should swim in a cess pool just because others are there, and advice on Dear Live From The Path. Find more from Phillip on the Uncommon Life Project podcast. https://www.uncommonwealth.com/podcast/ noLive From The Pathlive,from,the,path,99,3,KTIA,truth,network,jesus,humor,comedy,funny,apologetics,music,bible,real,honest,normal,guys,iowa,ben,fust,mike,fust,dan,hudson,john,boova,III,menhttps://livefromth

So much of financial planning is about managing risk. That's why it is so important to understand the financial “don'ts” as much as understanding the things you should do when it comes to making decisions about your money. That's what we're exploring here in Episode #49; some financial “don'ts” that we hope you can avoid. Some of the big don'ts focus on relationships—marriage relationships and business relationships—as well as who to take advice from. Not all advice is equal, and we're digging into that hot topic. We also discuss some don'ts around taxes and investing. What should you invest your time and money in? It can be somewhat subjective, but there are some ground rules you should definitely follow. This is some real talk about mistakes to avoid and advice on how to recover when you stumble into some don'ts. what you will learn in this episode: Why you don't have to feel guilty about investing in your marriage What to do when you are in a bad business partnership How to avoid analysis paralysis Why investing in things you don't understand is so risky Why a tax break alone is not a good enough reason to make an investment When to ask for help with managing your finances Do not buy a timeshare. Just don't How to measure the value of buying “toys” like boats and RVs

When it comes to launching a business, we wish we knew then what we know now! We are like many, many business owners in that respect. So we wanted to share some steps, a checklist if you will, for launching a business the right way. Because thankfully we've learned a few things in the past 7 years in business together. In our latest episode, we'll take you through the ins and outs of launching a business, from deciding on a name to finding the right accounting software and support people. There are huge rewards in owning a business. It is the most powerful source of residual income because there are so many ways to leverage the wealth that you build as you grow a business. But too often businesses fail because planning takes a back seat to jumping in and moving everything along as fast as you can. We get it. Businesses are usually born out of a passion, a drumbeat inside that doesn't go away. Take that passion and build your business on a firm foundation with these 7 steps. what you will learn in this episode: Why business is such a powerful source of residual income How to pay attention to the drumbeat inside of you What the heck a “value ladder” is How to lay the groundwork that leads people to your high-level, high-revenue products or services How to find “blue ocean” in a marketplace crowded with sharks The importance of a cohesive brand and all the legal and creative work that goes into it Building client education into your business strategy Why corporate structure is such an important business decision

Gold is money. But don't be fooled, there is a difference between money and currency. Currency can be either backed by a commodity, which historically has been gold and, to a lesser extent, silver or it can be backed by debt via central banking systems, as is the case throughout most of the world today. So while currencies come and go throughout history, gold has stood the test of time throughout recorded history. Unless you are mining it, gold does not produce income. It is a resource that throughout recorded history has protected purchasing power over a long period of time. In episode #46 we are going to be digging into gold – Why has it been a source of wealth, adornment, and means of transacting business for so many thousands of years? How can it be used today as a hedge to protect your purchasing power? And what does this mean for you today? Until the rise of central banks, the world operated basically on a gold standard. In our latest episode, we discuss the ramifications of this change and we'll even get into some comparison and contrast between gold and cryptocurrency. what you will learn in this episode: The historic roots of gold as a source of wealth Why the end of the gold standard is so significant Why gold has remained so valuable throughout history Why gold is still a good investment Similarities and differences between gold and cryptocurrency

More and more people are dipping a toe or diving right into short-term rentals. AIRBNB and similar platforms are making it easy to market and get paid for sharing your home with perfect strangers. Short-term rental can be a great way of offsetting some of your mortgage costs. Over the past several years, we have become big proponents of utilizing short-term rental as a way to test the waters in terms of using real estate as a source of residual income. This always begged the question, “Do you do short-term rentals?” For a lot of people, offering your primary residence seems like a pretty scary idea but we want to help take some of those fears away. We've been fascinated by it and last year Phillip and his wife decided to go for it. This episode is about how they started, what they experienced, and mostly what a positive experience it was for them to offer their primary residence, get paid for it, and build some family memories in the process. That's not to say there isn't a cautionary tale in there as well. Find out the answers to burning questions, like, “Why would you do that?” And “Where do you put your stuff?” The market for short-term rentals shows no sign of slowing down so if you've ever thought about it, this episode has some first-hand information that will help you decide if it's right for you. what you will learn in this episode: How to use your home as a short-term rental when you are on vacation What to know before you consider short-term rental Being strategic about what you want to get out of your short-term rental experience How to prep your home to use as a short-term rental What to do with your stuff when renting out your own home How to automate as much of the rental process as possible How to leverage the power of AIRBNB to market your short-term rental What to do with a worst-case-scenario guest

When you're young, you don't think twice about having a coach for soccer, baseball, field hockey – whatever sport you're into. You need someone to coach you through the basics and show you the ropes. That all changes when you start adulting. You think you know everything. You don't seek out those coaches and mentors who were clearly so instrumental in helping you learn and grow. Episode #43 is all about getting over yourself and finding the right coach or mentor for whatever goal you're pursuing. Asking for help is not a sign of weakness. It's a sign that you are aware enough to know what you don't know. We are huge fans of coaches and mentors. And we have been at every point in a mentor/coach relationship. We have business coaches who have helped us set goals and get our business to the next stage. We have served as mentors to each other. And we cherish our role as financial coach to so many of you. It's inspiring and humbling. Remember that feeling when you made a great play, or struck the note you'd been practicing for so long? Remember looking to the sideline at how proud and excited your coach was for you? You need coaches and mentors in your life now just like you did as a kid. When it comes to crushing goals, learning and growing, it is hard to underestimate the power of good coaching and mentoring. what you will learn in this episode: Why coaches and mentors are so important to reaching our goals Getting over the stigma of asking for help The difference between mentoring and coaching Why getting too much advice can be as bad as not seeking advice When to seek out a mentor and when to seek out a coach How coaches and mentors can help you develop a plan How coaches help you get off the sidelines of your life The value of what coaches and mentors receive back from the relationship How to find your mentor or coach The importance of setting expectations with a coach or mentor

These days, it's not uncommon for a person to graduate from college with tens of thousands in loans – sometimes reaching debt loads of $100,000 or more. We all know this is insane, but what can we do about it? In this episode, we do a deep dive into the dark pool of college loan debt. There has got to be a better way. We are disgusted with what's happening and we're going to talk about it. One aspect of our work that we love is speaking to high school students. We speak at local high schools about twice a year. One thing we run into a lot is a total lack of planning when it comes to paying for a 4-year degree. So you want to go to Stanford. Great! After getting accepted (a huge hurdle in itself) how are you going to pay for that premier education provided at a premier price? That's what we want to dig into here. Understanding your options about where you might attend school and how you can pay for it without digging a giant hole of debt for the student or the parents. what you will learn in this episode: Uncommon solutions to higher education without crushing debt How predatory lending targets college students and their parents The crucial role mentorship can play in discovering the right path The 4-legged chair of college funding How to treat applying for scholarships and grants like a job Why putting money away is just one of 4 paths to college funding How real estate can help fund your child's education Why you shouldn't sacrifice your financial security for your child's education

When most people think of income, they stop at earned income – the money you make in a paycheck from a job. We want people to think way beyond that in order to pay off debt, put a reserve of savings aside, and get your money to really work for you. In our latest episode, we outline 8 unique streams of income. Big companies like Apple are earning money every minute. That might be a mind-bender but think about payday in your home. Does that happen once a month? Twice? Imagine bringing money into your household every week. It has been said that an extra $500-$1000 a month would make an enormous difference for most families. It would truly be game-changing. Listen in as we help you explore ways of doing just that. what you will learn in this episode: 7 ways beyond your paycheck that you can create streams of income The difference between passive and residual income How to create streams of income while you still have a day job How to leverage your money to create streams of income now instead of waiting for retirement Why you should look for ways to create streams of income based on your interests How to create scale on different streams of income How to think about ways you could gain income on weeks when you don't get a paycheck

Phillip and his son operate Ramsey Pyrotechics in Frankfort, Indiana. He started voluntarily shooting shows, but then he learned that The Indianapolis Symphony Orchestra wanted safe fireworks displays for The Fourth of July.  From there, word of mouth led the company to produce more than 70 shows a year. This conversation includes details of firework shell construction and launching.    

Money is deeply personal. When you go through a tough time and make a decision that winds up costing you money or just don't pay close enough attention to where your money is going – that can create a sense of financial guilt. We don't get this sense of guilt out of nowhere. And yet, at least in North America, it is not a topic that gets discussed very openly. In our most recent episode, a duo cast, we talk about where this sense of guilt comes from and how to get beyond it. There will be a path forward for you and often it can happen more quickly than you think. So much of our context and understanding of money comes from our upbringing, how we saw our parents handle money, how they maybe even fought about money. Money is a huge topic, especially in relationships, and especially as we look backward to our past. This looking back can have a lot of impact on our financial shame and financial guilt. So let's start looking forward. When we work with people, they are often surprised when we help them see a path forward that is both hopeful and much quicker than they imagined. It does take discipline and planning, but guilt is counter-productive. We'll share our perspective and tips you can use today for getting out of debt and creating wealth now and in the future. what you will learn in this episode: How to remove guilt from the equation and work on your financial present and future Getting beyond a mindset of failure Why you need a financial strategy beyond paying off debt Why asking for help is a great first step beyond financial guilt Tangible acts you can do right now to know your numbers Why it's so important to know your personal profit every month How to build up your emergency fund Building cash flow beyond your monthly expenses Where to find encouragement to get beyond financial guilt

Getting from dream to reality is hard work. Sometimes just getting clear on what the dream is can be a challenge, much less making that dream come true. On this episode of the Uncommon Life Project Podcast, hosts Phillip Ramsey and Bryan Dewhurst talk with Mitch Matthews. This episode has the feel of listening in on a mastermind gathering between 3 colleagues who know, appreciate, and trust each other. Mitch Matthews is not about platitudes or empty rhetoric. He is always researching and then teaching how people can dream big, think things through, and do more of what they are meant to do on this planet. Mitch Matthews is a keynote speaker, success coach and best-selling author. He's become a well-respected thought leader on coaching and work-place mentoring. Plus, he has created a coach-training program that has been utilized around the globe. You can listen to Mitch on his popular weekly podcast called, “DREAM. THINK. DO.” where he inspires people around the world to dream bigger, think better and do more. Mitch proudly lives a “highly-caffeinated” lifestyle in Des Moines, Iowa with his wife and their two sons. Get ready for a highly-caffeinated, yet totally coherent and even inspiring conversation and find out how to get some traction on those dreams. What You Will Learn in this Episode: What to do when a great-fit job becomes a bad-fit job Why work-life balance is a fallacy How to calculate your “leap number” The reasons to start/join a mastermind group Why offering your service or product online can exponentially impact the number of people you reach and the number of figures in your bank account How to test your dreams, experiment, fail, learn, and move ahead How to discern when it is the wrong season to pursue a dream The ins and outs of self-publishing How packaging content/services thoughtfully and sequentially allows you to charge a premium for them Why getting from dreaming to doing requires clear goals, and that's just the beginning

Investment property can be a tremendous source of residual income. Is it better to sign a lease with a long term renter, or should you think about your property as short term lodging offered through services like Airbnb? Questions worth digging into. On this episode of the Uncommon Life Project Podcast, hosts Phillip Ramsey and Bryan Dewhurst talk with Brett Appleton about going from dabbling to all-in on using investment properties for short term lodging with Airbnb. Brett Appleton and his wife own 3 properties listed with Airbnb. They went from experimenting with this concept as a newly engaged couple, to purchasing three properties, with plans to expand this as a major source of residual income. Brett talks about what it takes to balance great customer service skills with the ability to confront challenges when they arise, and avoid scammers and other unscrupulous people. There are pros and cons, and this kind of investment is not for everyone. But the cash flow can be quite healthy with a bit more upfront cost to furnish and maintain. We walk through the numbers with Brett, and they show a lot of upside. What You Will Learn in this Episode: How to look for the best financing for property purchases How Airbnb can be a great introduction to income property ownership What you need to know about having strangers constantly in and out of your property The upfront costs of providing short term lodging vs. a long term rental What to do when lodgers don't respect your property Getting and giving good reviews for short term lodging Delivering great customer service from reservation to check-out and beyond The tremendous upside of short term lodging cash flow Best practices in furnishing a short term lodging property Why it is crucial that your spouse is on board with the idea of dedicating a property to short term lodging. This is not a “set it and forget it” source of income.

That 401k or IRA is fine, but there are many other ways to manage your money for residual income now – not just sometime after retirement. On this episode of the Uncommon Life Podcast, we dig into the topic of Investments. It's a fun and info-packed duocast with co-hosts Bryan Dewhurst and Phillip Ramsey. For many people, investing consists of putting some money aside in a 401k and/or maybe some IRAs. But there can be so much more to your investment picture. Phillip and Bryan talk about ways to invest and save to make an impact in the more immediate future, not just money that is set aside and untouchable until you are 70. Bryan and Phillip are passionate about helping people learn how to invest wisely, along with 6 other sources of residual income. You'll learn why pensions are much less prevalent than they were a generation ago, and how today's employees and entrepreneurs can make the most of their investment dollars. What you'll learn The difference between non-qualified and qualified investments Why pensions are mostly a thing of the past How to plan for the future without tying all your money up in traditional retirement accounts The four layers of fees you need to understand when you go to invest The difference between a mutual fund and an ETF How you may be speculating when you think you are investing Why a technical analysis is preferable to a fundamental analysis when choosing stocks How to be entrepreneurial and protect assets for the future Smart ways to leverage your money when you are younger and when you are older What an “engine account” is and how you can use it to generate cash flow

Ready for a masterclass in managing the 7 sources of residual income? It's not like today's guest makes it look easy – but he definitely shows us how it is possible. And how you can have some fun along the way! Between real estate, owning a business, and even running a music festival – it is never a dull moment. On this episode of the Uncommon Life Project Podcast, hosts Phillip Ramsey and Bryan Dewhurst talk with Courtney Wooge. Courtney is a second generation owner of FCIS Insurance. He is also one of the founders of the Tree Town music festival – the premier country music festival in the Midwest – in Forest City, Iowa. Get ready for a fascinating, wide-ranging conversation. Building wealth for you, the next generation, and where giving back is not a sprint, which makes Courtney a great coach in running a marathon. What you'll learn about in this episode: How it's possible to have a hand in all 7 sources of residual income Diversify, diversify, diversify Why income property can be a great source of cash flow – and a lot of hard work The tax benefits and long-term wealth benefits of owning property Something completely different – fun and profit in running a music festival How to take calculated risks in service of your cash flow Setting up for success as a 2nd or 3rd generation business owner The mental shifts needed to move from managing yourself to managing a company Taking responsibility as an owner Using your cash position to leverage the interest on that cash

When the creative impulse takes hold of you, it's hard to let go. And if you DO let go, you are likely missing out on some of the richest treasures life has to offer: authenticity and true satisfaction. These are lessons learned and shared by our guest. On this episode of the Uncommon Life Project Podcast, hosts Phillip Ramsey and Bryan Dewhurst talk with Nadine Hawbaker. In addition to being a delightful human being, Nadine is an accomplished artist born and raised in Iowa. She studied with Dimitar Krustev, a European schooled artist, for seven years. She has works on permanent display in the State Capitol building in Des Moines. She has been honored to have her work commissioned by the World Food Prize, along with a number of corporate and individual commissions. What you'll learn about in this episode: How to fan the flames of your creativity The power of making mistakes Why, even if you cannot pursue it full time, finding ways to be creative is crucial The power of understanding who you are and uncovering the gifts you have Why boldness should by nurtured and encouraged Passion and heart are not the only things, but they're far from nothing Opportunities don't just fall in your lap – you have to pick them up and do something with them Why just wanting to sell a piece of art for a lot of money is the wrong place to start The importance of never flatly turning down an opportunity What it means to live by the adage: enough is best

Of the 7 Sources of Residual Income that Uncommon Wealth Partners champion, real estate may be the most obvious source. It's one of the first places your mind goes when you think “residual income.” But this is the Uncommon Life Project, so the way our co-hosts talk about real estate probably holds some surprises. For Phillip Ramsey and Bryan Dewhurst, the uncommon path leads to a rewarding life. That's why they have dedicated their financial services practice to help clients define their goals, implement a plan, create wealth, and ultimately create time freedom. In this podcast we'll take a close look at what rental property can do for you in terms of financial security, tax advantages, and long term financial health and freedom. What you'll learn Understanding interest rates, cash flow, and tax favorable income Just what exactly a cap rate is Tax advantages of owning real estate Why leveraging other people's money – especially when interest rates are so low – can be very beneficial Not to downplay the maintenance and other expenses associated with income properties A granular level look at a 401(k) investment compared with a rental investment Having some sort of business entity to run these properties through – for tax savings. Ways to contact Phillip Ramsey and Bryan Dewhurst: Email: phillip@uncommonwealth.com Email: bryan@uncommonwealth.com

Listen to elders Randy Woodbury and Phillip Ramsey, as they talk with The Salt Company Director and Teaching Pastor Austin Wadlow on the explosion of the gospel and what would happen if we prayed more.

Listen to elders Randy Woodbury and Phillip Ramsey, as they talk with The Salt Company Director and Teaching Pastor Austin Wadlow on the explosion of the gospel and what would happen if we prayed more.

At the core of the practice at Uncommon Wealth Partners is what they call the Seven Sources of Residual Income. Without a doubt, that's something we would all love to know more about. The first source of this residual income is one you might find uncommon – and has to do with the principles of banking. In this episode, Phillip and Brian go in depth on a banking strategy involving insurance – and using cash value to the maximum advantage. When they first present this idea to clients, many want to fall asleep or run away – but when you understand the uncommon good sense of this tool, you will definitely want to know more. Listeners will learn more about cash value insurance, how to think like a banker, and how to structure a policy to your maximum benefit. This episode will be truly eye-opening. What you'll learn How banking can be a source of residual income Understanding that “banking” boils down to the movement of money Why you should think of cash value life insurance as “uncommon banking” How the environment this uncommon banking creates allows you to leverage your money How a guy named Nelson Nash got the ball rolling using insurance for uncommon banking How to put your banks, insurance companies, and investments to work for you and not the other way around What a young Walt Disney did with a loan against his whole life policy How to structure a policy and payments to maximize what you can do with that money How to start thinking like a banker rather than a consumer Limitations of a Roth IRA compared with cash value life insurance The environment that it creates is what we're after, not necessarily the product. It's about creating a way to move and manage money. That's what we want to get into today is cash value whole life insurance. – Brian Dewhurst You're saving money and you're paying off a debt. All the while, that money is still on deposit earning a higher interest rate. It's a mind shift. You've got to start thinking like a banker instead of consumer. – Phillip Ramsey Golden Nuggets “Banking at the core is just the movement of money through your economic engine.” Brian Dewhurst “Banking is essential to understand. Most people don't understand it. With that said, banking is comprised of multiple strategies or sources. Insurance is one of those strategies ” – Brian Dewhurst “A typical whole life policy won't break even until you're 13 to 17 years into it depending on the carrier, and there's usually zero cash value in the first 3 years or so. We advise trying to buy the least amount of death benefit for the most amount we can put in. That gives you the most cash value to work with.” – Brian Dewhurst “This is the key to the whole uncommon banking concept: If you take one thing away from this, I think it's this point. Your money is always on deposit for the rest of your life” – Brian Dewhurst “When we put this money into a policy, our number one objective is, ‘What are we doing with that cash value in that policy? What do we have access to? And what can we shore up for our clients?'” – Phillip Ramsey “What we try to really show people is that cash value life insurance has the same tax structure as a Roth IRA, without all the limitations.” – Phillip Ramsey “Don't stop paying the premium. That's what Brian and I will always talk about. I think that's what differentiates us. We want you to keep funding this thing because it's just going to keep getting bigger and bigger.” – Phillip Ramsey “You want to look for this type of insurance product from mutual owned companies, rather than publicly traded. That puts you as a policy-holder first, rather than some random shareholder.” – Phillip Ramsey

Listen to elders Randy Woodbury and Phillip Ramsey, as they talk with Community Pastor Todd Wallace on the tension between maintaining the unity of the body of Christ and defending non-negotiable doctrinal issues.

Listen to elders Randy Woodbury and Phillip Ramsey, as they talk with Community Pastor Todd Wallace on the tension between maintaining the unity of the body of Christ and defending non-negotiable doctrinal issues.

Listen to elders Randy Woodbury and Phillip Ramsey, as they talk with Story Hill Church Lead Pastor Aaron Rodgers on God’s sovereignty, and how that relates to our perspective on suffering.

Listen to elders Randy Woodbury and Phillip Ramsey, as they talk with Story Hill Church Lead Pastor Aaron Rodgers on God’s sovereignty, and how that relates to our perspective on suffering.

Listen to elders Randy Woodbury and Phillip Ramsey, as they talk with Worship & Community Pastor Todd Wallace on the Hand of God, and how we can tell if it’s on our church.

Listen to elders Randy Woodbury and Phillip Ramsey, as they talk with Worship & Community Pastor Todd Wallace on the Hand of God, and how we can tell if it’s on our church.

Listen to elders Randy Woodbury and Phillip Ramsey, as they talk with Lead Pastor Brent Minter about not just olives, but our personal limits and how it affects the gospel.

Listen to elders Randy Woodbury and Phillip Ramsey, as they talk with Lead Pastor Brent Minter about not just olives, but our personal limits and how it affects the gospel.

Listen to elders Randy Woodbury & Phillip Ramsey as they talk with our lead pastor Brent Minter about fears we face in sharing our faith, and blind spots we have about race.

Listen to elders Randy Woodbury & Phillip Ramsey as they talk with our lead pastor Brent Minter about fears we face in sharing our faith, and blind spots we have about race.

Listen to elders Randy Woodbury & Phillip Ramsey as they talk with The Salt Company Ankeny Director and Teaching Pastor Austin Wadlow about issues like loving your house and correcting the intent of your heart.

Listen to elders Randy Woodbury & Phillip Ramsey as they talk with The Salt Company Ankeny Director and Teaching Pastor Austin Wadlow about issues like loving your house and correcting the intent of your heart.

One of the cornerstones of how we work with clients at Uncommon Wealth Partners is to go beyond the traditional financial planning of investment advice and really roll up our sleeves and help our clients think through a much broader money strategy. A topic that we always explore is the idea of residual income. Residual or passive income is money you continue to earn after the work is complete. (For most of us our jobs are active income – they only pay us if we keep showing up). If you listened to the last episode, you'll remember we mentioning the seven sources of residual income and in this podcast, we wanted to dive a little deeper into each. We explored the seven most common types of residual income and how you can begin to explore which ones might fit your family's long-term financial plan. You'll quickly see that there are many ways that you can leverage your money to get you to retirement, or time freedom as we like to say, faster. It's not about using them in order or using all of them, it's more about finding the right options to help you meet your own personal goals of time freedom. We, Phillip Ramsey and Bryan Dewhurst, are the founders of Uncommon Wealth Partners. We think differently about money. Our philosophy is simple. We help people no matter where they are today. It's about where you want to go that matters. We do this by helping each one of our clients define their goals, implement a plan, create wealth, and ultimately create time freedom. There are probably a lot of financial planners who promise the same thing. It's how we get you there that is different. We believe that one of the most significant gifts we can give to our clients in the getting to know you phase is to not talk about their money! Instead, we want to know what motivates you? If money were no object what would you do with your time? We believe answering those kinds of questions will help us when we finally talk about your money. What you'll learn about in this episode: What exactly is residual income? Residual Income Source #1 – Insurance Residual Income Source #2 – Rental Property Residual Income Source #3 - Investments Residual Income Source #4 – Small Business Residual Income Source #5 – Subscription Business Model Residual Income Source #6 – Royalties Residual Income Source #7 – Network Marketing Ways to contact Phillip Ramsey and Bryan Dewhurst: ● Email: phillip@uncommonwealth.com ● Email: bryan@uncommonwealth.com

Uncommon Life Project with Phillip Ramsey and Bryan Dewhurst In this inaugural episode of the Uncommon Life Project, Phillip Ramsey and Bryan Dewhurst talk about why they decided to launch the podcast and what they're hoping the listeners will gain from each episode. The guys are going to interview people who have chosen to step away from the ordinary. They don't want to wait until retirement to live a dream life. They've made sacrifices, taken chances and seized opportunities – all so they could live an uncommon life. What listeners will learn is that these are very ordinary people, often doing ordinary work – but somewhere along their life's journey, they decided to step off the worn path that most people take and carve out their own. With each episode, Phillip and Bryan are hoping to light a spark of inspiration that you too can have a life of abundance and that each of us gets to define what our uncommon life might be. Our job is to help people understand that there are so many different ways to generate income in today's economy. There is not just one way to make money out there anymore. – Bryan Dewhurst and Phillip Ramsey What you'll learn about in this episode: What is an uncommon life and who can hope to have one? Why did Bryan and Phillip start the Uncommon Life Project podcast? Background on the lead players at Uncommon Wealth Partners The “Why” that drives Uncommon Wealth Partners What you can expect in future episodes The Golden Nuggets: There was just something inside of me that felt the need to help and serve people as it related to their finances and their businesses and I just couldn't ignore it any longer. – Bryan Dewhurst Using cash value life insurance with a banking mindset, and leveraging against that to purchase assets that produce cash flow to really grow our net worth in a completely different way - these are the kinds of things that excite me! - Bryan Dewhurst Most financial advisors teach people to think about retirement and work backwards from there. Why not think about next week and move forward from there. It's all about moving forward and being forward thinking. – Bryan Dewhurst Using your money more efficiently now and working to understand your needs and desires, to help get you to your goals today, without sacrificing tomorrow – that's what we do. – Phillip Ramsey We all have something uncommon within each of us and being able to walk side by side with people and watch that come out is one of the most rewarding things that I have ever been a part of. – Bryan Dewhurst Great financial advisors are just the copilots showing their clients what the dials mean and helping them kind of dial into the plan that will get them to their goals as quickly as possible. – Phillip Ramsey Ways to contact Phillip Ramsey and Bryan Dewhurst: ● Email: phillip@uncommonwealth.com ● Email: bryan@uncommonwealth.com