Podcasts about wealth game

What if we told you there are cities in the U.S. that will pay you to live there?In this episode, we're following up on our popular expat conversation with a deep dive into domestic relocation incentives. We're talking cash grants, down payment assistance, tax breaks, bikes, and even golf memberships offered by places you may have never considered calling home. Think Jackson, Michigan. Pawnee City, Nebraska. Topeka, Kansas. Tulsa, Oklahoma. Yes, they're real places, and they're putting real money on the table.If you've ever felt stuck in an expensive city, or fantasized about starting fresh but didn't know where to start, or if you're just tired of stretching every dollar, this episode is for you. But before you start packing, let's talk fine print.We break down:Why the U.S. is basically 50 mini countries in a trench coat (and no, that's not us being dramatic, it's federalism)How states differ more than you think, from taxes and politics to culture and cost of livingWhy moving two states over might require just as much mindset work as moving abroadWhat the actual catches are in these incentive programs (spoiler alert: it's not free money, and yes, some of y'all might have to check in like you're on parole)How to research a city's vibe without getting on a plane, from Facebook groups to Yelp reviews to Google Maps street view Links: Episode 205 - Expat Life: how to test the waters and decide if you should dive inMakeMyMove.com – Find relocation incentive programsReddit subs: r/relocating, r/digitalnomadZillow, CNET, NY Post listicles (search “cities that will pay you to move 2025”) Connect with Julien and Kiersten on our website, Instagram, Twitter, and YouTube.Join our email list to get updates from us, opportunities for discounts, freebies and a quick rundown on the relevant financial and career news impacting your life. Get our book Cashing Out: Win the Wealth Game by Walking Away, named 2023 best overall book about investing by Business Insider and one of the best personal finance books by ForbesIf you would like to learn more about investing, check out our newest class, Making Money Grow

Are you playing checkers while the wealthy play chess?   What if the traditional financial advice you've been following is actually keeping you trapped in the middle class?   Freddie Rappina, founder of Opta Financial, retired police officer turned Chartered Financial Consultant, and author of 'Playing the Wealth Game,' is here to reveal the strategic wealth-building framework that separates truly successful entrepreneurs from everyone else.   You'll discover why reinvesting everything back into your business could be a dangerous mistake, how to leverage income-producing debt to create multiple revenue streams outside your core business, and the critical mindset shift that transforms how you build long-term wealth.   Whether you're scaling your first six-figure business or looking to protect the profits you've already generated, Freddie's evidence-based approach to strategic wealth management will help you stop playing financial defense and start building assets that work for you, not the other way around.   Want wealth strategies most financial advisors won't tell you? Hit follow on Play Big Faster right now to join thousands of entrepreneurs building wealth beyond their businesses. 

Most people aren't neutral about the idea of living in a car, and that's exactly why we needed to talk about it.This week, we dig into the stigma, structure, and stories behind van life. It's not a guide on how to gut a Sprinter or stealth-camp in a Target parking lot, it's a deeper exploration of what it means to live differently and why that still freaks people out.From the viral story of Dawn Robinson of En Vogue (yes, *that* Dawn) who shared that she's been living in her car by choice for the past three years, to our personal stories of barbers, truckers, and friends navigating life on the margins of “traditional” housing, we cover the full terrain of what it means to opt out of the norm. Spoiler alert: it's complicated.We cover:Why alternative housing is still treated as “failure” unless it's influencer-approvedThe invisible infrastructure that makes van life even possible and why it's not always fully “off-the-grid”Why HUD, housing policy, and language matter more than you thinkThe difference between choosing van life vs. surviving itHow Black culture relates to nontraditional housing, and why we don't often see ourselves in the #vanlife aestheticThe emotional, financial, and logistical costs of so-called “freedom”This is one of those “sit with it” episodes. It's not about romanticizing struggle or glamorizing minimalism, it's about challenging the way we define dignity, shelter, success, and the American dream.Because let's be honest: if someone chooses to live in a van and finds peace, why does it make the rest of us so uncomfortable?Listen in. Challenge your definitions. And maybe, just maybe, reconsider what home really means. Connect with Julien and Kiersten on our website, Instagram, Twitter, and YouTube.Join our email list to get updates from us, opportunities for discounts, freebies and a quick rundown on the relevant financial and career news impacting your life. Get our book Cashing Out: Win the Wealth Game by Walking Away, named 2023 best overall book about investing by Business Insider and one of the best personal finance books by ForbesIf you would like to learn more about investing, check out our newest class, Making Money Grow

This week, we're sharing 3 of our best tips on how to live on a single income. It's a topic that might feel distant, perhaps even undesirable, but for many, it's becoming an increasingly relevant concern.We've lived the single-income life by choice and by circumstance. It's not always pretty, but it can be done. And sometimes, being forced to tighten your belt is the exact kick in the pants you need to get your financial house in order.Whether you choose to live on one income as some kind of FIRE-adjacent power move, or you're forced into it by circumstances beyond your control, the real challenge isn't just the spreadsheet gymnastics. It's the people part.So this episode gets into the conversations, the compromises, and the potential points of friction that can arise in a partnership when resources become more constrained.We discuss: Addressing the emotional landscape: Living on one income throws all sorts of messy emotions into the mix. Who gets to spend? Who's giving up more? Is this forever, or just until something changes? These aren't spreadsheet questions, they're relationship questions..How to make negotiation your new love language: We break down how to negotiate fairly as you create a budget when the stakes feel high and everyone's nerves are shotGetting more comfortable saying No: Living on one income means saying "no"... a lot. To your partner, to your kids, to your friends, and maybe most importantly, to yourself. We unpack the guilt that inevitably comes with that, especially when you feel like you're letting people down.Strategic decluttering and selling your stuff with intention: The process of selling personal items for cash can be more emotionally involved than it appears. We talk about the surprisingly emotional process of selling your belongings and how to actually make it work, practically and emotionally.Links: Cashing Out: Win the Wealth Game by Walking Away by Julien and Kiersten Saunders The Two-Income Trap by Elizabeth Warren and Amelia Warren Tyagi Episode 155: The FinTech Toolkit Episode 149: Buying used vs. new Episode 130: How to sell your stuff online  Connect with Julien and Kiersten on our website, Instagram, Twitter, and YouTube.Join our email list to get updates from us, opportunities for discounts, freebies and a quick rundown on the relevant financial and career news impacting your life. Get our book Cashing Out: Win the Wealth Game by Walking Away, named 2023 best overall book about investing by Business Insider and one of the best personal finance books by ForbesIf you would like to learn more about investing, check out our newest class, Making Money Grow

Links: Watch the 90-second trailer of Taste the Impact Watch the full-length "Taste the Impact" mini-doc nowRegister for the Shifting Wealth, Shaping Futures info session on March 26th Become a member of Invest for Better (it's free!)This week's episode is about something personal, political, and, up until recently, way too overlooked: food.We spend a lot of time talking about food, but not nearly enough time talking about how it shows up in our kitchens, grocery carts, or dinner tables. So today, we're changing that.We're introducing our latest creative project, Taste the Impact, which a short film (or op-doc, if you're feeling fancy) that explores the relationship between investing and the food system. Not just what we choose to buy, but what we're being sold. Because behind every recall, rising price tag, and empty produce shelf, there's a money trail worth following.This is an episode that sits squarely at the intersection of life and money. It's about challenging the status quo, asking uncomfortable questions, and recognizing that our financial choices have real-world consequences. In this episode, we get into:Why we made Taste the Impact now and and why storytelling is a financial tool just as much as spreadsheets areWhat visual media can do that numbers alone can't (and how historical social movements have always known this)Why “values-aligned investing” only gets real when you zoom into something specific, like foodHow systemic failures are driving the wave of food recallsWhat's behind the rising cost of food, and why it's not just inflation Connect with Julien and Kiersten on our website, Instagram, Twitter, and YouTube.Join our email list to get updates from us, opportunities for discounts, freebies and a quick rundown on the relevant financial and career news impacting your life. Get our book Cashing Out: Win the Wealth Game by Walking Away, named 2023 best overall book about investing by Business Insider and one of the best personal finance books by ForbesIf you would like to learn more about investing, check out our newest class, Making Money Grow

This week, we dive headfirst into the very timely topic of expating. Is it just a fantasy fueled by tough times or is there something deeper driving this urge to GTFO? In this episode, we're exploring the layers of this question. We break down the different flavors of expating, from slow travel hacks that let you vibe abroad for a few months with zero paperwork (hello, Schengen Zone!) to the allure of Digital Nomad Visas for those of us who can work from anywhere with Wi-Fi and a decent latte. We even get into the semi-permanent options and, for the truly committed, buying your way into citizenship.Ultimately, this episode isn't about escapism. It's about options, feasibility, and the very real trade-offs you need to consider when contemplating a life lived beyond your current borders. We discuss:The rise of "Plan B" thinking in the FIRE community and beyondTourist stays and slow travel: Easy ways to get your feet wet abroadDigital Nomad Visas (DNVs): Working remotely from paradise (with a minimum income requirement, naturally)Extended visas and residency pathways: Semi-permanent solutions for a longer stayNaturalization and citizenship: The full commitment, from marriage to ancestry to buying your way inThe "Split Life" Model: Six months here, six months there (the best of both worlds?)The real costs and considerations: Taxes, paperwork, culture shock, currency risks, and that annoying "ideological accent" you didn't even know you had.Our rule of thumb for financial feasibility: Is it really worth it?And if you know someone who's made the leap (or is seriously contemplating it), drop us a comment below! We're always looking for folks to interview for future episodes, especially if they have interesting stories or maybe even went back home after a few years.  Connect with Julien and Kiersten on our website, Instagram, Twitter, and YouTube.Join our email list to get updates from us, opportunities for discounts, freebies and a quick rundown on the relevant financial and career news impacting your life. Get our book Cashing Out: Win the Wealth Game by Walking Away, named 2023 best overall book about investing by Business Insider and one of the best personal finance books by ForbesIf you would like to learn more about investing, check out our newest class, Making Money Grow

Join a Shifting Wealth, Shaping Futures Circle today: https://investforbetter.org/swsf/ Not quite ready for a circle? Sign up for a free membership with Invest for Better: https://investforbetter.org/membership/Get your ticket to the Northeast FI Camp Women's Weekend: https://khbfinancial.com/northeastficamps/For information about future, co-ed events, sign up for their email list: https://eastcoastfi.kit.com/adab4cc93cFor most of history, women weren't just left out of wealth-building, we weren't even in the conversation. Fast forward to today: Women are investing more than ever, making up a record percentage of stock market participants, growing businesses, and holding more financial power than at any point in history. That's the win.But here's the fight: We're still paid less, still have less wealth, and the traditional financial playbook assumes everyone earns, invests, and retires like a man. This means even when we do everything right, we're often playing catch-up.So this Women's History Month, we're asking: What happens when we go from participating to leading?We discuss: Why the wealth gap still exists even as women invest more than everHow to rewrite the financial playbook so it actually works for usRedefining financial confidence and owning it  The investing strengths women already have and how to use them to winUsing community as a secret weapon and connecting with other women like “rich aunties” who've been through it and have the wisdom to share.  Connect with Julien and Kiersten on our website, Instagram, Twitter, and YouTube.Join our email list to get updates from us, opportunities for discounts, freebies and a quick rundown on the relevant financial and career news impacting your life. Get our book Cashing Out: Win the Wealth Game by Walking Away, named 2023 best overall book about investing by Business Insider and one of the best personal finance books by ForbesIf you would like to learn more about investing, check out our newest class, Making Money Grow

Are you scratching your head trying to understand Gen Z's approach to…life? You're not alone! This week, we're exploring the fascinating and sometimes frustrating world of Gen Z finances, why traditional financial advice often misses the mark with this generation, and what actually resonates with them.Every generation thinks they had it hard. And to be fair, most of them did. But Gen Z? They're becoming adults in a world that looks nothing like the one we grew up in. Between AI disrupting entire industries, the attention economy turning regular people into millionaires overnight, and inflation making rent feel like a luxury item, it's no wonder their financial expectations (and anxieties) are sky-high.In this episode, we break down:Why traditional financial advice isn't built for Gen Z's realityThe real reason they think they need $600K a year to be successfulBudgeting vs. Earning: We debate whether traditional budgeting advice is still relevant in today's economy, or if Gen Z's focus on increasing income is the smarter approach.How careers, income, and investing have changed foreverThe biggest mistakes Millennials and Boomers make when advising themHow this approach is different from hustle culture And most importantly, we share what actually works: learning how to earn, invest, and live in a world where stability is no longer the default setting.Whether you're Gen Z trying to figure it all out, or just someone trying to understand them better, this episode is for you. Connect with Julien and Kiersten on our website, Instagram, Twitter, and YouTube.Join our email list to get updates from us, opportunities for discounts, freebies and a quick rundown on the relevant financial and career news impacting your life. Get our book Cashing Out: Win the Wealth Game by Walking Away, named 2023 best overall book about investing by Business Insider and one of the best personal finance books by ForbesIf you would like to learn more about investing, check out our newest class, Making Money Grow

This week, we're talking about impact investing, which if we're being honest, is a phrase we used to think was reserved for people who call their parents by their first names. Turns out, it's one of the closest things we have to financial resistance (with receipts!).This episode drops on the last Monday of Black History Month 2025, a month that, for once, felt less performative. Not because there wasn't Black history being made, there was, just like there is every day of the year…but because the usual corporate spectacle was dialed down. The hashtags were quieter, the campaigns were fewer, and the message was clear. But Black history isn't something we just look back on, it's something we build. And for more people than ever, that means thinking differently about where our dollars go, not just as consumers but as investors.Here's what we get into:Why politicians keep telling us to “mobilize” but rarely mention moneyThe Target vs. Costco stock story that shows how companies respond when people start moving their moneyThe difference between boycotting as a consumer and influencing as a shareholderHow everyday investors now make up 25% of stock trading and why that mattersWhy ignoring your investments isn't neutral and what it means to be intentional with your financial powerAnd because knowledge without action doesn't change much, we're also talking about real steps you can take. Kiersten shares her experience with Invest for Better Circles, a program that changed how she thinks about money and impact (and made her rethink her own investments in the process). Plus, if you're a Black woman looking for a space to learn about this in community, there's a new cohort designed just for us. Link below.TAKE ACTION:

Is the magic really gone, or are we just over it? This week's episode is a Quick Dip, where we're side-eyeing some old-school markers of success. We thought about calling this the "end of an era" edition but it might be too soon...you tell us! Think childhood trips to Disney, that diamond ring you're 'supposed' to want, and even that climb up the corporate ladder. We're wondering if these traditions still mean what they used to in a world that's changing so fast. The data suggests something is changing, but this episode is less about having all the answers and more about starting some real convos about what matters to us. First, we reference a recent Wall St. Journal article called “Even Disney is worried about the high cost of a Disney Vacation,” and talk about how rising costs are impacting families and challenging the park's cultural dominance. Then, we tackle the diamond industry and the growing popularity of lab-grown alternatives that promise the same quality at a fraction of the price. Finally, we dissect the current state of the corporate world, and talk about the current record high CEO turnover rates and what they signal about the evolving relationship between workers and employers. This episode also features leaked audio where JPMorgan's CEO, Jamie Dimon, uses explicit language when speaking to his employees.Key Takeaways:Manufactured Magic is Expensive: "Tradition" often comes with a hefty price tag, and it's time to question if the returns are worth the investmentEthical Consumption Matters: From lab-grown diamonds to supporting companies with values that align with our own, we have more power than ever to vote with our dollarsAuthenticity is the New Luxury: The pursuit of genuine experiences and personal meaning is replacing the need to acquire status symbols Connect with Julien and Kiersten on our website, Instagram, Twitter, and YouTube.Join our email list to get updates from us, opportunities for discounts, freebies and a quick rundown on the relevant financial and career news impacting your life. Get our book Cashing Out: Win the Wealth Game by Walking Away, named 2023 best overall book about investing by Business Insider and one of the best personal finance books by ForbesIf you would like to learn more about investing, check out our newest class, Making Money Grow

Meet Freddie Rappina—a proud father, baseball coach, retired police officer, and innovative wealth advisor with a game-changing perspective on financial planning. As the author of Playing the Wealth Game, Freddie challenges conventional wisdom by showing that wealth management can be as strategic as playing chess—where debt isn't always the enemy and the right financial moves can lead to big wins. Drawing on his diverse background in law enforcement and community service, Freddie brings a unique blend of discipline, teamwork, and unconventional financial strategies to the table. Whether he's coaching on the baseball field or guiding clients to secure their futures, his passion for strategic planning and wealth creation shines through. Join us on the Move Swiftly Podcast as Freddie Rappina shares his journey from serving his community to transforming lives through expert financial advice, helping you navigate the complexities of wealth management with confidence and a fresh, strategic approach. https://www.linkedin.com/in/freddie-rappina/

This week marks a significant milestone: our 200th episode of the rich & REGULAR podcast! In this episode, we're taking a moment to reflect, not just on what we've built, but on the path we took to get here. Here's what we cover as we peel back the curtain on the podcasting process:Our most memorable/favorite episodes It's more than just talking; it's an investment. From the upfront costs of good equipment like decent mics and mixers to the ongoing financial decisions involved with hosting and editing, offering guidance on where to allocate resourcesMonetization strategies: We talk about why monetization isn't as simple as it sounds, and the various ways you can monetize a podcast while outlining our decision-making processes. You'll hear how we dealt with sponsored content and podcast networks, and why we passed on opportunities that compromised our integrity. Even without celebrity guests or elaborate setups, why creating a podcast that resonates and makes a difference is achievable with authenticity, dedication, and a willingness to learn is possibleWe share our experiences inside podcasting communities and discuss some of the invaluable insights from networking. The episode is for aspiring podcasters who are just starting out or existing podcasters who are working hard to improve and grow. The important takeaways? Discoverability is HARD. Longevity requires dedication (so does building a community). And always, always remember to press record.We appreciate all of your support, notes, comments, and ratings and reviews that help us extend our reach. We can't wait to share the journey of the next 200 episodes with you.Links:Episode 172: Not just a diagnosis: A real talk about ADHD, money, and relationshipsEpisode 72: Julien's vasectomyEpisode 7: Financially Supporting a parent (our story) Episode 77: The shocking cost of funeralsEpisode 128: Short term trading vs. long term investing  Connect with Julien and Kiersten on our website, Instagram, Twitter, and YouTube.Join our email list to get updates from us, opportunities for discounts, freebies and a quick rundown on the relevant financial and career news impacting your life. Get our book Cashing Out: Win the Wealth Game by Walking Away, named 2023 best overall book about investing by Business Insider and one of the best personal finance books by ForbesIf you would like to learn more about investing, check out our newest class, Making Money Grow

This week we're talking about "late bloomers" — the "over 40, mid-life-ish, but don't-say-that-to-us" gang who are just now getting their financial life together.This was a requested episode so we're skipping the generic "just do it" advice and getting into the nitty-gritty of what it actually takes to build wealth when you're not starting in your 20s. We're discussing the psychological hurdles, the structural roadblocks, and how to create a financial plan that works for you, no matter what age. If you're ready to say "enough" to feeling behind and start building your financial future, this episode is for you.Here's what we cover:Why people become late starters The importance of accepting your starting point (no, we're not gonna sugar coat it)How to let go of the "what ifs" and embrace your new pathRewriting the rules when traditional financial advice isn't always the most helpfulAdapting strategies for a shorter timeline and setting goals that are both realistic and motivatingThe surprising power of community and why you should become a good neighborWhy automation and technology are your friends, not your enemiesA reminder that your tax dollars can be a source of real benefits Take action:Help us out and leave a 5-star review on your favorite podcast platformJoin the discussion and leave a comment on any of our social platforms  Connect with Julien and Kiersten on our website, Instagram, Twitter, and YouTube.Join our email list to get updates from us, opportunities for discounts, freebies and a quick rundown on the relevant financial and career news impacting your life. Get our book Cashing Out: Win the Wealth Game by Walking Away, named 2023 best overall book about investing by Business Insider and one of the best personal finance books by ForbesIf you would like to learn more about investing, check out our newest class, Making Money Grow

This week's episode is all about shopping bans and the no-spend trend. This month our social media feeds have been flooded with one thing: people swearing off shopping. Like, really swearing it off. We see everything from no-spend months, to shopping bans, and even boycotts. And we get it. After the consumerist frenzy of the holidays, that pull towards simplicity or a “less is more” approach almost feels…. revolutionary.We've been covering this topic for years, and this "new" trend is like seeing an old friend get a new haircut and a different outfit. It looks like it's changed, but it's got the same good bones.  In this episode, we explain why cutting off all spending has become so popular, the hidden psychology behind it, and whether it's a genuine path to financial health or just another form of deprivation disguised as wellness.Takeaways:Shopping bans aren't a one-size-fits-all solution. They can be helpful for some, but can also backfire if not approached thoughtfully."Abstinence-only" approaches can lead to deprivation. It's important to address the root cause of our spending.We have a consumption problem. The story about the clothing donations after the California fires highlights the scale of this problem.It's about being intentional, not restrictive. We share a “glass of water effect” metaphor to help you reframe your relationship with spendingListen to the full episode for our 3-step approach to cutting back on spending. We give you the keys to reevaluating your habits this year (shout out to “listen to end” gang! #iykyk)If you're tempted to swear off all shopping, or even if you're just curious about what's driving this trend, tune in Links: Episode 95: No spend challenges Episode 189: Underconsumption isn't a trend, it's a lifestyleLA donation centers are overwhelmed by all the clothing donations Connect with Julien and Kiersten on our website, Instagram, Twitter, and YouTube.Join our email list to get updates from us, opportunities for discounts, freebies and a quick rundown on the relevant financial and career news impacting your life. Get our book Cashing Out: Win the Wealth Game by Walking Away, named 2023 best overall book about investing by Business Insider and one of the best personal finance books by ForbesIf you would like to learn more about investing, check out our newest class, Making Money Grow

In today's episode of the Wealthy Woman Lawyer® podcast, I chat with Freddie Rappina, Financial Advisor, Chartered Financial Consultant, and Author of "Playing the Wealth Game." Freddie is the founder of Opta Financial, where he empowers clients to make informed financial decisions, leveraging strategies that bridge the gap between middle-class finance and wealth-building.  Freddie's journey from law enforcement to finance brings a unique perspective to his work, making complex financial strategies accessible and actionable. He emphasizes the differences between “checkers” and “chess” approaches to finance, inspiring listeners to transition from conventional saving methods to strategic wealth-building through leverage and asset management.  Listen in as Freddie and I discuss:  The differences between “checkers” finance (middle-class mindset) and “chess” finance (wealth-building mindset).Why debt, when used strategically, can be a powerful tool for creating cash-flowing assets.How the tax code offers opportunities to build wealth when understood and utilized effectively.Why waiting decades for compound interest alone may not lead to financial freedom.The importance of building a financial team and outsourcing expertise to navigate complex wealth strategies.  LINKS TO LOVE: To learn more about Freddie and connect with him, visit his website at optafinancial.com or book a complimentary consultation. You can also purchase his book, Playing the Wealth Game, on Amazon or Barnes & Noble.Want to leave us a review on Apple Podcasts? We'd love it! Here's the link.Ready to scale your law firm to six or seven figures in 2025? Click here to apply and book a call with me.

This week, we're dissecting the art of the modern scam. We've all experienced the subtle unease of a pitch that just doesn't feel right, but in an era where the line between marketing and deceit is dangerously thin, it's important to stay aware so you don't get hoodwinked and bamboozled. We Discuss:Why we need to stop confusing charm with legitimacyHow corporations are now using MLM tacticsWhy companies who use hard-sells aren't actually interested in your problems.Why financial fraud is about to hit an all time high and what to do about it.Why it's important to know the history of your "expert"How fake reviews and stock photography can get you into troubleWhy anonymous instructors should raise a red flagThat sometimes the product isn't the product and it's a recruiting tactic instead.And lastly how not having a password manager is as foolish as a newborn walking in the street (or at least that's how Julien sees it).Key Takeaways:The “free speech” era will unleash more digital scammersLearn to differentiate between a legitimate business and a scam, and where your responsibility lies in the purchase.Urgency is a primary tool of manipulation.Overly charismatic personalities and flashy presentations are not proof of legitimacy.You should be able to see who you're giving money to, not just the brand's face.Real testimonials are verifiable, they're not based on stock photography and manufactured bots.The best defense against manipulation is informed skepticism.That sometimes if you can buy a product, you're being used to recruit.You must prioritize password changes and offline time as a preventative measure.Links: Financial technology toolkitThe five levels of hype  Connect with Julien and Kiersten on our website, Instagram, Twitter, and YouTube.Join our email list to get updates from us, opportunities for discounts, freebies and a quick rundown on the relevant financial and career news impacting your life. Get our book Cashing Out: Win the Wealth Game by Walking Away, named 2023 best overall book about investing by Business Insider and one of the best personal finance books by ForbesIf you would like to learn more about investing, check out our newest class, Making Money Grow

This week, we're joined by entrepreneur, speaker, and author, Anthony O'Neal. You may know him from his incredibly popular YouTube channel or, maybe, from his previous book, "Debt-Free Degree." But Anthony's back with a new book called "Take Your Seat at the Table," which is all about taking control of your life, money, and future.If you're unfamiliar with his work, he's not your typical financial guru. He's a self-made entrepreneur who went from being homeless to building a 7-figure business, and he's bringing his wisdom back to the communities that are systematically left out of the financial conversation.This episode is for anyone tired of the same old financial advice and ready to take control of their future. Anthony challenges us to ditch the idea that wisdom comes solely from age and embrace the power of lived experience. He urges us to kill the comfort that's holding us back and encourages us to build our own tables and then invite in the people who truly align with our vision.What we get into:The catch-up: We start this conversation like you would a chat with a good friend. We talk about what life is like now that his YouTube channel is booming, and we even get a little glimpse of his journey to find love Challenging the status quo: We dig into the question, "Why should I listen to him?" and explore what it means to gain wisdom from life experiences over traditional credentialsLeaving comfort behind: We dissect why so many folks are stuck in comfortable situations when they're clearly meant for moreFormal vs. practical learning: Now that he's working on his MBA, Anthony shares his thoughts on the value of a formal education alongside "street smarts" and why that balance is key to successHis new book, "Take Your Seat at the Table:" You can't have a financial conversation without addressing ownership, power, and the folks who have a seat at YOUR table. We talk about why kicking out the wrong people is just as important as inviting in the right ones.How his recent trip to Ghana reframed his perspective on the Black community and the role it plays in building wealth.The future of making money: We discuss using platforms like YouTube and podcasts to build a better economic future.Links: Keep up with Anthony on his website, YouTube, Instagram, and TikTokGet his new book: Take Your Seat at The Table: Live and Authentic Life of Abundance, Wellness and Freedom (Jan. 14, 2025) Connect with Julien and Kiersten on our website, Instagram, Twitter, and YouTube.Join our email list to get updates from us, opportunities for discounts, freebies and a quick rundown on the relevant financial and career news impacting your life. Get our book Cashing Out: Win the Wealth Game by Walking Away, named 2023 best overall book about investing by Business Insider and one of the best personal finance books by ForbesIf you would like to learn more about investing, check out our newest class, Making Money Grow

What's your game plan for 2025? Is motivation enough to stay consistent with your health, habits, and finances—or do you need a little discipline to keep things on track? In this episode of The Green Zone Podcast, financial advisors Jeff Green and Lauren Smith share how a positive mindset and actionable goals can help you start the new year right. From navigating your fitness and wellness resolutions to setting smarter financial goals, Jeff and Lauren tackle how to make those January aspirations last all year. Together they discuss:How to build lasting health and wealth habits that outlive the fleeting buzz of New Year's resolutionsWhy discipline, habits and motivation are different – and how to leverage eachIdeas for monitoring your finances in creative waysStrategies for front-loading contributions to maximize growth potential for future generationsHow to shift from wishful thinking to actionable steps in your health and finances for a productive year aheadAnd more!Whether you're a disciplined planner or just looking for a fresh start, Jeff and Lauren provide expert advice and practical insights to help you make 2025 your best year yet.Connect With Green Financial Group:jeff@greenfinancialgrp.com(713) 244-3030Schedule A Call With Jeff or LaurenGreen Financial GroupLinkedIn: Jeff GreenLinkedIn: Lauren Smith

In this episode, Kris walks Arsenio through a personalized game plan to optimize his finances, including leveraging home equity, maximizing 401(k) strategies, and investing in real estate. They discuss the benefits of diversifying assets, the power of compounding returns, and the potential of high-growth "moonshot" opportunities. Kris explains the importance of partnerships and provides actionable advice on how to accelerate wealth-building while maintaining financial peace. Tune in to discover how to create a path toward financial independence and a thriving future.

This week, we're breaking down the top stories and trends that will shape how we all earn, spend, and invest our money in 2025. And we're not just looking at the year ahead, we're confronting the messy reality of now.If you're feeling like the financial ground is shifting beneath your feet and like the old rules don't apply anymore, then this episode is for you. If you're tired of feeling like you're chasing trends instead of building a future, or if you're ready to take control of how you earn, spend, and invest in a world increasingly influenced by algorithms and AI, then you need to tune in. We're not offering a magic bullet, but we are offering a real conversation with practical takeaways, designed for anyone who's ready to stop feeling overwhelmed and start making intentional choices with their money. This episode is for the curious, the proactive, and those who are determined to build financial well-being on their own terms.We're tackling:The 2024 Words of the Year including the meaning of "brain rot" and how it's affecting us all, mentally and financiallyThe stock market's continued dance with AI, and what that really meansWhy getting clear about your risk tolerance is the most important financial decision you can make this year The rise of "buy now, pay later" and its impact on consumerismThe fact that the "future of work" is here, and how to adaptThe surge in cryptocurrency, and what that could mean for your investmentsWhy 2025 is the perfect time to redefine luxury and spend with greater intentionThe power of your own humanity and why it will become increasingly valuableLinks: Episode 143: The top stories impacting your money in 2024 Connect with Julien and Kiersten on our website, Instagram, Twitter, and YouTube.Join our email list to get updates from us, opportunities for discounts, freebies and a quick rundown on the relevant financial and career news impacting your life. Get our book Cashing Out: Win the Wealth Game by Walking Away, named 2023 best overall book about investing by Business Insider and one of the best personal finance books by ForbesIf you would like to learn more about investing, check out our newest class, Making Money Grow

Is your "purpose" making you anxious? Do you feel like everyone online is "living their best life" except for you? Then you've come to the right place. It's January and you're probably knee-deep in resolutions that may or may not last past the first week. But forget the trendy diets and the overly ambitious gym routines. This year, we're going deeper and talking about a purpose reboot - not the "new you" version fueled by fleeting motivation, but the kind built on self-awareness, intentional choices, and a healthy dose of skepticism about the pressures to optimize our lives. This week, we sit down with the brilliant Dr. Jordan Grumet (aka Doc G) to talk about his latest book "The Purpose Code." Jordan, a former hospice doctor and a 90s hip-hop head, is not here for the fluffy, Instagrammable version of purpose. He's no stranger to the intersection of hard choices and meaning and he's here to break down what actually makes life feel meaningful.We dive into:The “Big P” purpose trap (think: social media, fame, riches, etc.) and why it might be sabotaging your happiness.The secret sauce of "Little P" purpose (think: the things that actually make you feel alive)How religion and social media can be both a blessing and a curse in the purpose departmentWhy you need to be the hero in your story, not the victim of your pastHow to use your money as a tool for fulfillment, not a checklist of achievementsThe parental purpose myth (this one is controversial, y'all)What real legacy looks like…is our legacy up to us to decide? Or is it a story that will be told by the generations that follow?Links: Buy Jordan's latest book The Purpose Code Listen to The Earn & Invest podcast or join the Facebook group Connect with Julien and Kiersten on our website, Instagram, Twitter, and YouTube.Join our email list to get updates from us, opportunities for discounts, freebies and a quick rundown on the relevant financial and career news impacting your life. Get our book Cashing Out: Win the Wealth Game by Walking Away, named 2023 best overall book about investing by Business Insider and one of the best personal finance books by ForbesIf you would like to learn more about investing, check out our newest class, Making Money Grow

This week we're diving headfirst into the one word that can save your budget and your sanity: NoJulien kicks things off with some personal stories about recent awkward moments when "friends" ask for money, which sets the stage for a much-needed conversation.For some of us, saying "no" can feel just plain wrong, especially during the season of giving. This isn't your typical "budget better" advice, we're going deep into why saying "no" is so dang hard.But we don't stop there. We also discuss: Holiday pressure and how the “season of giving” turns our good hearts into overdrawn bank accountsSurvivor's guilt and our responsibility to lift as we climb How a lifetime of people-pleasing can leave you feeling resentfulHow to say no to: acquaintances who suddenly need "just a little help", family and friends, and people you've helped beforeActual useful tactics that work in real life, from setting dedicated budgets to learning the art of the "alternative offer," and how to say no without feeling like a total jerkWhy "they'll figure it out" is so powerful and how letting people solve their own problems might be the best help you can giveThis is a vulnerable episode for anyone who finds themselves saying "yes" just to avoid being rude, or because they think being generous is the only way to be a good person. We've been there, and hopefully, you find this helpful. Connect with Julien and Kiersten on our website, Instagram, Twitter, and YouTube.Join our email list to get updates from us, opportunities for discounts, freebies and a quick rundown on the relevant financial and career news impacting your life. Get our book Cashing Out: Win the Wealth Game by Walking Away, named 2023 best overall book about investing by Business Insider and one of the best personal finance books by ForbesIf you would like to learn more about investing, check out our newest class, Making Money Grow

The latest inflation report shows that grocery prices are back up, making something as basic as eating feel like a financial tightrope walk. So this week, we're rethinking how we define "good" food and making a case that the best meals can be both cheap and delicious by sharing 3 of our favorite cheap meals. Hopefully you walk away from this episode feeling slightly less guilty about that impulse takeout order (as long as you learn from it), inspired to rethink what's possible with your budget and your kitchen, and empowered to create satisfying meals that don't break the bank.We discuss:The joy (and necessity) of finding delicious, affordable food that doesn't taste like you're pinching pennies (or just eating sadness)Practical tips for making flavorful, budget-friendly meals that are both nourishing and satisfyingA closer look into our favorite meals, complete with pricing breakdowns and the secret ingredients to take them from "meh" to "magnificent"The importance of cross-utilization and how it can help you maximize your grocery budget.Links:- Food prices rose 28% in 5 years - Money on the Table S3:E3 “How much is enough?” feat. crispy skin salmon- How to save money by trimming a beef tenderloin Connect with Julien and Kiersten on our website, Instagram, Twitter, and YouTube.Join our email list to get updates from us, opportunities for discounts, freebies and a quick rundown on the relevant financial and career news impacting your life. Get our book Cashing Out: Win the Wealth Game by Walking Away, named 2023 best overall book about investing by Business Insider and one of the best personal finance books by ForbesIf you would like to learn more about investing, check out our newest class, Making Money Grow

We're still revisiting fundamentals and this week we're asking: Is your emergency fund actually an emergency fund, or just a well-intentioned savings account collecting dust (and maybe a tiny bit of interest)? In this episode, we unpack the truth about financial emergencies and reveal the flawed logic behind the old ‘3-months of expenses' rule. Let's be honest, climate change, unexpected job losses, and ridiculously high repair costs have made the classic “cash only” emergency fund advice obsolete. We talk about building a real safety net, one that's flexible, accessible, and addresses everything from the cost of repairs to those unexpected crises that inevitably spring up in lifeBuilding an emergency fund isn't about striving for perfection; it's about protecting what matters most. We'll provide practical tips, address common anxieties, and leave you with a renewed sense of preparedness – all without losing your mind (or your savings).We discuss:The Illusion of the "Checked Box": Why the standard 3-6 month emergency fund is inadequate for the unpredictable realities of 21st-century life The importance of liquidity and accessibility: It's not enough to have the money, you need to be able to access it quickly and easily. We'll dissect the hidden fees and frustrating bureaucratic hurdles that can turn your carefully-saved emergency fund into a useless paperweightMore than just cash: We discuss the overlooked role of insurance, lines of credit, and community resources in weathering life's storms. This isn't just about finances; it's about creating a comprehensive plan that addresses all dimensions of an emergencyThe Multi-Layered Approach: Why cash is still surprisingly relevant, even in a cashless society.Real-life examples that illustrate why diversifying your financial institutions is no longer a "luxury" but a necessityThe Rebuilding Phase: A practical plan for rebuilding your emergency fund in the wake of a crisis. Because let's face it, emergency situations aren't one-and-doneLinks:Episode 156: Survive & Advance | The Ultimate Guide to Financial Resilience with Lynnette Khalfani Cox (YouTube Link) Episode 184: How to Automate your savings (and finally get ahead) (YouTube Link)  Connect with Julien and Kiersten on our website, Instagram, Twitter, and YouTube.Join our email list to get updates from us, opportunities for discounts, freebies and a quick rundown on the relevant financial and career news impacting your life. Get our book Cashing Out: Win the Wealth Game by Walking Away, named 2023 best overall book about investing by Business Insider and one of the best personal finance books by ForbesIf you would like to learn more about investing, check out our newest class, Making Money Grow

We took a mini-break (and you KNOW we needed it) but we're back, and today we're tackling the sacred cow of financial planning: BUY AND HOLD. Let's face it, investing isn't a spectator sport and the pandemic proved that even the most "set-it-and-forget-it" advice can get messy. Plus research shows investors are holding stocks for less time than ever before. So this week, we're asking if the classic "buy and hold" strategy is still the cornerstone of financial wisdom, or has the rise of day trading, sports betting, and cryptocurrencies rendered it obsolete? Don't expect simple answers, because investor psychology isn't that simple, but we promise some surprisingly insightful takeawaysWe explore:Why “buy and hold” is the American way and what that means in the era of instant notifications and market fluctuationsHow the emotional and psychological realities of modern life challenge even the most well-laid financial plansThe rise of “bro-conomy” investing, and why the appeal of day trading and sports betting is harder to resistHow to use robo-advisors to tame your inner FOMO without losing your shirt (or your retirement funds)The importance of financial literacy and diversification, beyond the simplistic "buy and hold" mantraA peek behind the curtain into our own HSA investment strategy and a warning about the illusion of easy winsLinks:The Three Pillars of the Bro-Economy via The Atlantic Episode 171: Why you need a brokerage account  Connect with Julien and Kiersten on our website, Instagram, Twitter, and YouTube.Join our email list to get updates from us, opportunities for discounts, freebies and a quick rundown on the relevant financial and career news impacting your life. Get our book Cashing Out: Win the Wealth Game by Walking Away, named 2023 best overall book about investing by Business Insider and one of the best personal finance books by ForbesIf you would like to learn more about investing, check out our newest class, Making Money Grow

This week, we're unpacking the surprisingly trendy world of underconsumption. Is it a Gen Z TikTok trend? A millennial coping mechanism? A wise old soul's secret weapon? The answer is YES to all of the above.In this episode, we cover:How to avoid overspending this holiday season on food and gifts. We even share our hard-won lessons on dealing with impulsive buying, managing the expectations of our loved ones, and teaching our son to approach spending with intention (no, we didn't always get it right, but boy, have we learned!)YOLO vs. YONO: Say goodbye to "You Only Live Once" and hello to "You Only Need One." We explore the global shift towards intentional purchasing, and how it's impacting everything from fashion to finances. (And yes, we do discuss the implications of the impending tariffs on that Zara haul you've been eyeing…)The Price vs. The Cost: That cute little $25 item from TikTok Shop? It might cost you more in stress, maintenance, and anxiety than you think. We discuss the psychological (and very real!) costs of buying the "nice" stuff.Hedonic Adaptation: The science of why buying more doesn't always lead to more happiness. We are not our things and learning this will actually save you money and the planet.Key takeaways (because your time is valuable):Underconsumption is a lifestyle, not a trendRe-evaluate your values. Do the mathSoup is not just for sick people (or soup kitchens)Embrace the power of the "thoughtful no"Quality over quantity (even with those darn shoes that don't last!)Pouches are the future. Get you a pouch.Join us for a funny, insightful, and deeply satisfying conversation about changing your relationship with your stuff. It might just be the best self-care you do all year.Links: - The enshittification of everything - Self-gifting messaging is set to dominate Black Friday ads- The kitchen tech we use to make cooking at home so much easier   Connect with Julien and Kiersten on our website, Instagram, Twitter, and YouTube.Join our email list to get updates from us, opportunities for discounts, freebies and a quick rundown on the relevant financial and career news impacting your life. Get our book Cashing Out: Win the Wealth Game by Walking Away, named 2023 best overall book about investing by Business Insider and one of the best personal finance books by ForbesIf you would like to learn more about investing, check out our newest class, Making Money Grow

This week, we're unpacking the raw emotions and anxieties that followed the recent election. We explore the stark reality of a country deeply divided, not just politically, but also in terms of our visions for the future. This election wasn't just about who won. It was about a country that, frankly, feels more like it's been severed in half than unified. It's a deep, messy reality and we question the easy labels and simplistic narratives that often dominate the political conversation.We explore the real, human stories behind the red and the blue and ask some tough questions about how to move forward with a more nuanced understanding of our political landscape.Lastly, we talk about the pressures of a society driven by consumption, and how it can create a disconnect between those who have “too much” and those who don't, which leaves many feeling left behind, overwhelmed, and unheard. If you're ready for a conversation that goes beyond the surface, tap in for an honest, critical look at the state of our nation and how we can find a way to make meaningful progress together.  Connect with Julien and Kiersten on our website, Instagram, Twitter, and YouTube.Join our email list to get updates from us, opportunities for discounts, freebies and a quick rundown on the relevant financial and career news impacting your life. Get our book Cashing Out: Win the Wealth Game by Walking Away, named 2023 best overall book about investing by Business Insider and one of the best personal finance books by ForbesIf you would like to learn more about investing, check out our newest class, Making Money Grow

It's 2024, and inflation is the number one concern for voters. Today we're unpacking both candidates' distinct approaches to addressing it. We discuss Kamala Harris's and Donald Trump's plans for tackling the rising cost of living, taking a closer look at their proposals and the underlying political and economic philosophies that drive them. Prepare yourself for an interesting and honestly, maybe slightly frustrating, discussion of how the election could impact your wallet and your future.This isn't just a run-through of policy papers. We're talking about how these candidates are choosing to frame the fight against inflation, the cultural anxieties it reflects, and the real-world impact these choices will have on your everyday life.This election feels a lot like dating. Both candidates have got their "selling points", but it's up to you to decide what you're actually looking for in a long-term relationship and what kind of future you want to build together. Looking beyond inflation, this is a defining and consequential election. Your vote matters. Stay informed, stay engaged, and make your voice heard. Connect with Julien and Kiersten on our website, Instagram, Twitter, and YouTube.Join our email list to get updates from us, opportunities for discounts, freebies and a quick rundown on the relevant financial and career news impacting your life. Get our book Cashing Out: Win the Wealth Game by Walking Away, named 2023 best overall book about investing by Business Insider and one of the best personal finance books by ForbesIf you would like to learn more about investing, check out our newest class, Making Money Grow

Freddie Rappina is a Financial Advisor and a Chartered Financial Consultant as well as an Accredited Investment Fiduciary™ who founded Opta Financial. Freddie helps clients examine their current financial situation, financial goals, completes a financial analysis, provides recommendations, implements and reviews plans for clients. He is also the Author of the book "Playing the Wealth Game" available on amazon and Audible

Freddie Rappina spent years building extensive experience and qualifications, including becoming a Chartered Financial Consultant™ Accredited Investment Fiduciary™, Retirement Income Planning Specialist™ and Chartered Life Underwriter™. He also amassed a comprehensive set of certifications, including Series 7, Series 63, Series 65, Series 22, and Series 6 registrations. He talks about financial players in terms of "checkers players" and "chess players". He chats with Josh about how he has been able to find financial success and pass on that knowledge to others. If you're ready to level up your financial game, this episode is for you. Get Freddie's book here: https://www.amazon.com/Playing-Wealth-Game-Strategies-Financial-ebook/dp/B0D27RDL4F

In this special solo episode, Julien and Dr. Preston Cherry discuss the intersection of financial planning and personal well-being. Dr. Cherry brings a unique perspective and combines the rigor of financial expertise with the nuanced understanding of a therapist. He's here to tackle those awkward conversations with your partner about finances, the "financial harmony" that's more than just a feel-good buzzword, and how to find true satisfaction in a world obsessed with wealth.Dr. Cherry knows the struggle is real for the sandwich generation - those of us juggling the demands of raising kids while supporting aging parents. He offers some guidance for having complex financial conversations with grace and clarity, and strategies for finding balance and ensuring that your own financial needs are met alongside those of your family. This episode is also important for anyone preparing for parenthood - it's not just about diapers and baby formula. We're talking about investing in your future, valuing your own worth (beyond just your paycheck), and finding ways to make sure your children inherit more than just a pile of bills.Helpful Links: Diversity among financial planners improved in 2021 — but it still remains overwhelmingly white and male Follow Dr. Preston Cherry on his website, Instagram, and YouTubeGet his book: Wealth in the Key of Life Connect with Julien and Kiersten on our website, Instagram, Twitter, and YouTube.Join our email list to get updates from us, opportunities for discounts, freebies and a quick rundown on the relevant financial and career news impacting your life. Get our book Cashing Out: Win the Wealth Game by Walking Away, named 2023 best overall book about investing by Business Insider and one of the best personal finance books by ForbesIf you would like to learn more about investing, check out our newest class, Making Money Grow

If you want to live differently than everyone else, then you need to think differently than everyone else. In this episode hosted by Kirsten Tyrrel, we analyze the game of wealth-building with financial expert Freddie Rappina, owner of Opta Financial. Freddie challenges traditional thinking by introducing the idea of playing chess instead of checkers when it comes to building financial freedom, including the mindset and strategies needed to create sustainable wealth. Freddie explains the key differences between traditional financial moves (like relying solely on savings and retirement accounts) and more strategic "chess" moves, such as using debt to acquire income-generating assets. We cover the importance of making a mindset shift, understanding how to use debt wisely, and investing in a way that'll serve you now and well into the future. If you're someone looking to rethink your financial strategy, this episode is packed with insights on how to move beyond playing it safe and start playing to win. What we discuss with Freddie: + The checkers vs. chess mindset + Focusing on generating income + Using debt strategically + Observing financial institutions' tactics + Avoiding wealth-building pitfalls + Starting small with investments + Shifting from saving to building wealth + Emulating successful financial strategies Thank you, Freddie! Check out Opta Financial at OptaFinancial.com. Purchase a copy of Playing the Wealth Game. Watch the video podcast of this episode! Ready to Create a 7-Figure Business of Your Own..? Build My Money Machine Will Help You Think And Act Like A 7 Figure Income Earner So You Can Create The Business And Life Of Your Dreams. Go to BuildMyMoneyMachine.com to get started today! And follow us on: Instagram Facebook Tik Tok Youtube Twitter To get exclusive offers mentioned in this episode and to support the show, visit millionaireuniversity.com/sponsors. Want to hear from more incredible entrepreneurs? Check out all of our interviews here! Learn more about your ad choices. Visit megaphone.fm/adchoices

This week, we're returning to our "Quick Dip" format, where we explore three timely topics, giving you the need-to-know without the fluff.First up, is cord-cutting still worth it? Julien shares his long history of cord-cutting, which began long before he met Kiersten, and she shares her own journey to embracing a cable-less lifestyle. We discuss the pros and cons of traditional cable versus streaming, and how the streaming wars have made cord-cutting more complex than ever. But, ultimately, we agree that cord cutting can still be a smart move, especially if you can resist the urge to buy into all the bells and whistles.Next, we discuss the recent 2.5% Social Security cost-of-living adjustment (COLA) and how it might not be enough for seniors to keep up with rising costs, especially in healthcare. It's a reminder that Social Security is often overlooked as a critical part of personal finance and more of us should be having better conversations about money with loved ones who rely on it.Finally, we check in on the stock market. We break down the current state of the market, talk about the importance of diversification, having an exit strategy, and getting caught up in the hype. This episode is packed with actionable tips and insights that can help you handle your next financial decisions with confidence. Links: 2024 Medicare Quick Reference Guide (via Nuveen)Mark Cuban's drug company: https://costplusdrugs.com/Episode 92: Medical TourismEpisode 105: Planning for your retirement  Connect with Julien and Kiersten on our website, Instagram, Twitter, and YouTube.Join our email list to get updates from us, opportunities for discounts, freebies and a quick rundown on the relevant financial and career news impacting your life. Get our book Cashing Out: Win the Wealth Game by Walking Away, named 2023 best overall book about investing by Business Insider and one of the best personal finance books by ForbesIf you would like to learn more about investing, check out our newest class, Making Money Grow

Playing the Wealth Game: The Strategies Behind Financial Moves That Win by Freddie Rappina Amazon.com Optafinancial.com Do you want to transform your financial future? Build the kind of wealth you've always dreamed of having? Create a brighter financial future simply by changing your wealth game? Wealth-building isn't just luck or happenstance—it's a series of strategic moves that take you from where you are today to where you dream of being tomorrow. It's all about playing the right game, and playing it well. Just as you would develop a strategy to win at Chess or Checkers, you need to do that for your money. This book outlines the strategies and mindset the biggest companies and the wealthiest people are using to build their fortunes so that you can do the same. By elevating your own game, you can do more than fund a retirement plan—you can create a long-lasting financial fortune and design the life of your dreams!About the author Freddie Rappina spent years building extensive experience and qualifications, including becoming a Chartered Financial Consultant™ Accredited Investment Fiduciary™, Retirement Income Planning Specialist™ and Chartered Life Underwriter™. He also amassed a comprehensive set of certifications, including Series 7, Series 63, Series 65, Series 22, and Series 6 registrations. This education and experience have given him the skills to conduct thorough assessments of his clients' financial situations and craft tailored recommendations to optimize their wealth management strategies.About the author Freddie Rappina spent years building extensive experience and qualifications, including becoming a Chartered Financial Consultant™ Accredited Investment Fiduciary™, Retirement Income Planning Specialist™ and Chartered Life Underwriter™. He also amassed a comprehensive set of certifications, including Series 7, Series 63, Series 65, Series 22, and Series 6 registrations. This education and experience have given him the skills to conduct thorough assessments of his clients' financial situations and craft tailored recommendations to optimize their wealth management strategies.

This episode is for anyone who's ever said, "I wish I could just save more money" because we're spilling the tea on how it's done (and more specifically, how to automate it)  PAY YOURSELF FIRST. Yes, it sounds simple, but it's the kind of simple that's surprisingly difficult to pull off when you're battling bills, student loans, and a dozen ads featuring the latest shiny thing every time you look up. That's where automation comes in. We're talking about setting up systems that make saving money a habit, not a chore. We'll break down why "pay yourself first" isn't just another cheesy motivational slogan, 4 different ways to automate your savings and investments, how you can use your raises and windfall money to your advantage, and a way to apply ‘pay yourself first' to your everyday expenses that can actually lead to major savings.Links: Sign up for Acorns todayEpisode 154 - Why you need a plan for unexpected “windfall” money Episode 97 - Modern Couponing  Connect with Julien and Kiersten on our website, Instagram, Twitter, and YouTube.Join our email list to get updates from us, opportunities for discounts, freebies and a quick rundown on the relevant financial and career news impacting your life. Get our book Cashing Out: Win the Wealth Game by Walking Away, named 2023 best overall book about investing by Business Insider and one of the best personal finance books by ForbesIf you would like to learn more about investing, check out our newest class, Making Money Grow

This week, we're unpacking the murky waters of pay cuts and those awkward conversations where your boss wants you to do the same work for less. It's an increasingly common brutal reality, but you don't have to just roll over and take it.We explore the different types of pay cuts: those forced upon you (like when you're forced back into the office) and those you choose (like a lateral move for experience). We'll also get real about the sneaky ways pay cuts happen – from slow-burning merit-based cuts to outsourcing key departments and roles.Tune in for advice on:The myth of the "Great Salary Reset": Why pay cuts are not a correction but a reflection of power dynamicsWhat to start doing when your job wants less from you, and how to protect yourself from getting playedThe importance of building a backup plan for financial stability when pay cuts are the only optionThe new portfolio career: Learning how to pivot and reinvent yourself in this economyLinks: Episode 150: Avoiding the Confidence Trap | How risk impacts your investmentsEpisode 140: Pay Transparency | Does sharing your salary help you earn more? Pay trends amid rising pay transparencyUS salaries are falling, employers say it's a “resetting” (via BBC) Connect with Julien and Kiersten on our website, Instagram, Twitter, and YouTube.Join our email list to get updates from us, opportunities for discounts, freebies and a quick rundown on the relevant financial and career news impacting your life. Get our book Cashing Out: Win the Wealth Game by Walking Away, named 2023 best overall book about investing by Business Insider and one of the best personal finance books by ForbesIf you would like to learn more about investing, check out our newest class, Making Money Grow

In this episode of the Infinite Financial Freedom podcast, host Josh Mettle sits down with Brent Bement, President of Bement & Company and host of the Wealth Game podcast, to explore game-changing tax strategies for physicians, doctors, CRNA, and self employed medical professionals. Brent shares his personal journey from surviving the 2008 market crash to becoming an expert in leveraging real estate for wealth growth and tax reduction. Discover how tools like cost segregation and the 263A deduction can help you save thousands on your tax bill, and learn about the importance of structuring your investments for long-term financial success. Whether you're looking to lower your tax burden or maximize your wealth through real estate, this episode is packed with actionable insights you can't afford to miss. Want to learn more from Brent? Find him at: - Website: https://bementcompany.com/ - Podcast: https://wealthgame.io/podcast Don't miss this opportunity to take control of your taxes and secure your financial future!This episode is brought to you by NEO Home Loans. Ready to buy your dream home? Download our FREE Physician Home Buyer Guide to get expert insights and tips for navigating the home-buying process as a medical professional:

What if you could transform your financial future by thinking strategically, like a chess master? On this captivating episode of the Uncommon Leader Podcast, we sit down with Freddie Rappina, an exceptional financial strategist and author of "Playing the Wealth Game." Freddie shares how a pivotal childhood moment during the 1986 World Series taught him the value of perseverance—a lesson that has shaped his innovative approach to wealth-building. This is a must-listen for anyone ready to challenge conventional financial wisdom and embrace a more proactive path to wealth creation.Freddie's journey from a police officer to a financial strategist is nothing short of inspiring. He highlights the inefficacy of traditional financial advice for the middle class and the power of strategic thinking in wealth creation. Freddie draws on his experiences in law enforcement and the influence of strategic thinkers, emphasizing the need for financial agility and calculated moves. His metaphor of checkers versus chess serves as a compelling framework to understand attitudes toward debt and investment, making this episode essential for anyone looking to rethink their approach to financial planning.Throughout the discussion, Freddie champions a shift from a savings-focused mindset to one that leverages assets for greater wealth. He shares powerful examples, such as a doctor who transitioned from traditional savings to income-producing investments, illustrating the mental and financial readiness required for such a move. Thanks for listening in to the Uncommon Leader Podcast. Please take just a minute to share this podcast with that someone you know that you thought of when you heard this episode. One of the most valuable things you can do is to rate the podcast and leave a review. You can do that on Apple podcasts, or rate the podcast on Spotify or any other platform you listen. Did you know that many of the things that I discuss on the Uncommon Leader Podcast are subjects that I coach other leaders and organizations ? If you would be interested in having me discuss 1:1 or group coaching with you, or know someone who is looking to move from Underperforming to Uncommon in their business or life, I would love to chat with you. Click this link to set up a FREE CALL to discuss how coaching might benefit you and your team) Until next time, Go and Grow Champions!!Connect with me

This week we're diving into the world of NIL, or Name, Image, and Likeness, and how this new, HUGE opportunity will impact youth sports. Think you're not impacted by NIL? Think again! This episode is for athletes, parents, coaches, and anyone who wants to understand how NIL is changing the game. And if you've got a kid with any sort of athletic talent, this is definitely a conversation you need to be having. The point is - this ain't your mama's college experience. This is about financial freedom, brand building, and how college athletes are finally getting a piece of the pie they've been baking for years. It's time to forget those old-fashioned ideas about college athletes just being "students," because the NCAA's amateur "student-athlete" model is DONE. It's a whole new game and we're here to help you play it.We're covering:NCAA got served: The landmark ruling that shook up college athletics and opened the door for athletes to cash in on their own name, image, and likeness.Why we're so intrigued by this: It all started with our son, and it's a real-life lesson in how to think differently about money, branding, and the future of sports.The BIG picture: This is about billion-dollar industries, the NCAA's outdated model, and evolving from a labor rights issue to a civil rights issue (spoiler alert: opinions don't matter) The power shift: It's not just about the big names anymore. We're showing how even "average" athletes can leverage NIL to create a side hustle, a side gig, or even a full-blown business.Real-world examples: we share a story about what happened when we posted sports content featuring our son and give you practical tips on how to negotiate your own deals.The future of sports: We're forecasting the coming age of athlete-owned brands, semi-pro leagues, and even NIL scholarshipsLinks: The Money Game on Amazon Prime Ep 174 Quick Dip - Why are Olympians so Broke?   Connect with Julien and Kiersten on our website, Instagram, Twitter, and YouTube.Join our email list to get updates from us, opportunities for discounts, freebies and a quick rundown on the relevant financial and career news impacting your life. Get our book Cashing Out: Win the Wealth Game by Walking Away, named 2023 best overall book about investing by Business Insider and one of the best personal finance books by ForbesIf you would like to learn more about investing, check out our newest class, Making Money Grow

We're all familiar with the pressure to make extra cash, but what if your side hustle wasn't just extra work, but an opportunity to tap into your existing skills? This week we're discussing long-term side hustles with one of Kiersten's best friends, Lauren. Lauren's side hustle (teaching fitness classes) evolved into a passion project that fuels her spirit and keeps her bank account healthy. In fact, after 12 years, it's been the longest "job" she's ever had, and it's helped her weather some major life storms. From lay-offs to breakups, Lauren's side hustle has provided a solid safety net and a healthy nest egg, giving her the financial freedom to handle the ups and downs of her 9-to-5 career in marketing.This episode is for anyone who's been hesitant to start a side hustle or feels like it's just another impossible thing on their long to-do list. Lauren's story illustrates how earning income outside a traditional job with intention can change your life, one gig at a time. What you'll learn:The "Passion Project" as a Profitable Path: How Lauren's side hustle wasn't just about the money, but about creating a space where she felt alive. This unlocked a sustainable way to make money while doing what she loved.Navigating the "Hustle": We talk about approaching side hustles in a way that doesn't burn you out and allows you to prioritize your mental well-being. Lauren offers some tips on setting boundaries and creating systems that work for you.The Shifting Landscape of Work: How the digital age is changing the way we think about work, and why a portfolio career might be the future.Monetizing Your Skills: Lauren's story highlights the importance of understanding your strengths and identifying any skill gaps that need to be addressed. This self-awareness can help you narrow down the side hustle that's right for you and create a long-term, fulfilling path to success.Links: Follow Lauren on Instagram  Connect with Julien and Kiersten on our website, Instagram, Twitter, and YouTube.Join our email list to get updates from us, opportunities for discounts, freebies and a quick rundown on the relevant financial and career news impacting your life. Get our book Cashing Out: Win the Wealth Game by Walking Away, named 2023 best overall book about investing by Business Insider and one of the best personal finance books by ForbesIf you would like to learn more about investing, check out our newest class, Making Money Grow

Freddie Rappina is a Financial Advisor and a Chartered Financial Consultant as well as an Accredited Investment Fiduciary™ who founded Opta Financial. Freddie helps clients examine their current financial situation, financial goals, completes a financial analysis, provides recommendations, implements and reviews plans for clients. In addition to experience in the financial services industry, Freddie also has experience in law enforcement and is retired from The Fairfax County Police Department in Virginia. Freddie is originally from Long Island, New York and enjoys coaching baseball. Listen to this insightful RIA episode with Freddie Rappina about his transition from police officer to wealth advisor. Here is what to expect on this week's show: - How Opta Financial aims to bring advanced wealth-building strategies to the middle class. - Why it's important to transition from middle-class financial strategies to wealth-building ones. - How the biggest differentiator between middle-class financial strategies and wealth-building strategies is the attitude towards debt. - How Opta Financial also caters to clients who want to further advance their wealth through strategic investments. - How compound interest is oversold to the middle class as a primary wealth-building tool. Connect with Freddie: Links Mentioned: playingthewealthgame.com optafinancial.com Facebook facebook.com/OptaFinancial LinkedIn linkedin.com/company/opta-financial Learn more about your ad choices. Visit megaphone.fm/adchoices

Do you ever wonder why you buy things you don't need? This episode explores the fascinating (and sometimes alarming) ways culture shapes our budgets. We're talking to Dr. Marcus Collins, who is a scholar of the hidden messages of consumption, a marketing professor at University of Michigan's Ross School of Business, and the author of For The Culture. He takes us on a journey into the heart of consumerism, explaining how brands create religions, how the people we admire influence our spending, and how we can all become more conscious consumers. It's a hilarious, insightful, and maybe even a little uncomfortable look at the invisible cultural forces that are impacting our spending. Dr. Collins helps us understand:How the "consecration" of brands shapes our spending: We're not just buying products, we're investing in a sense of belonging, an identity, a belief system. Think of it as the "gospel of consumerism”The power of "our people": Dr. Collins breaks down the phenomenon of social proof and how the people we admire, the groups we identify with, and the trends we follow, all play a huge role in our spending.The illusion of financial freedom: Dr. Collins reveals how the "keeping up with the Joneses" mentality and our unconscious cultural programming can leave us feeling trapped, even when we have the right information.Navigating the cultural landscape: Dr. Collins offers tools and insights to help us become more conscious consumers, make more intentional spending decisions, and build a financial future that aligns with our own values.You'll walk away from this episode with a deeper understanding of the unseen forces influencing your spending, equipped to see through the "noise" of cultural marketing and branding, and empowered to break free from the unconscious influence of cultural norms.Links: Get Dr. Marcus Collin's book For the Culture Visit his website and follow him on Instagram  Connect with Julien and Kiersten on our website, Instagram, Twitter, and YouTube.Join our email list to get updates from us, opportunities for discounts, freebies and a quick rundown on the relevant financial and career news impacting your life. Get our book Cashing Out: Win the Wealth Game by Walking Away, named 2023 best overall book about investing by Business Insider and one of the best personal finance books by ForbesIf you would like to learn more about investing, check out our newest class, Making Money Grow

This week, Jackie Cummings Koski, author of "F.I.R.E. For Dummies," sits down with us to share her personal experience and offer some wisdom for anyone, no matter how late they are in the game, to begin building their financial future. This episode isn't your typical FIRE fantasy. As a Black, divorced, single mom who retired with $1.3 million at age 49, Jackie's got the receipts and the real talk about what it looks like to navigate personal finances when your story is a little more complicated than the usual "quit your job, sail the world" narrative. Jackie's story is one of resilience, of taking on the challenge of reaching back to help your family when you're the first one to make it, and even more importantly, it's a story of recognizing that you have time on your side, even when you are a late starter.We discuss: The Great Un-Representation: Why the financial world needs more diverse voices, and especially more Black women, in the conversation.From "F.I.R.E. For Dummies" to Family Dinners: How the psychological aspects of money shape our choices, and why helping those closest to you often means reaching back instead of up.The Truth About Social Security: Jackie breaks down the reality of Social Security for early retirees (spoiler alert: it's a powerful backup, but don't expect it to be a cash cow).Beyond the Numbers: Living a life of purpose and leaving a meaningful legacy can be more important than just the final dollar figure.Is the 4% Rule a Myth?: Jackie shares her experiences with the 4% rule and how it can be adapted to your own circumstances and goals.Links:Get Jackie's book F.I.R.E. For Dummies hereListen to Catching Up to FI podcast with Jackie and Bill Yount Visit her website, Instagram, and LinkedIn  Connect with Julien and Kiersten on our website, Instagram, Twitter, and YouTube.Join our email list to get updates from us, opportunities for discounts, freebies and a quick rundown on the relevant financial and career news impacting your life. Get our book Cashing Out: Win the Wealth Game by Walking Away, named 2023 best overall book about investing by Business Insider and one of the best personal finance books by ForbesIf you would like to learn more about investing, check out our newest class, Making Money Grow

In this episode of the Path Podcast, guest Krisstina Wise shares her incredible journey from overcoming a challenging upbringing to building lasting wealth, while emphasizing the importance of including health in the wealth conversation. Krisstina is a Millionaire Coach, real estate expert, and creator of several multi-million dollar businesses. She explains on today's show the crucial difference between income and wealth, urging listeners to focus on playing the wealth game rather than the income game. Krisstina opens up about how a serious health crisis reshaped her perspective, revealing that true wealth encompasses more than just money.Throughout the conversation, Krisstina introduces the "three-legged stool of money," highlighting the importance of mindset, our relationship with money, and behaviors. She also encourages individuals to examine their money stories and transform their relationship with money to achieve financial freedom.Topics Covered:Playing the Wealth GameThe Importance of Health in WealthThe Three-Legged Stool of MoneyThe Three Pillars of a Good LifeDetermining How Much is EnoughLifestyle Creep and Moving Financial GoalpostsThe Importance of Being on the Same Page with Your PartnerInvesting in Financial Education and Building WealthLINKS:Krisstina WiseWise Money CURBS ProgramMention The Path Podcast and Get 40% Off! - Click HereWise Money Calculator:  https://wisemoneymethod.com/millionaire-formula/Mike SalemiThe Path to Inspired Action Men's Online 8 Week Program Starting Sept. 24th - Click HereOct 17-20th Men of Movement Mount Shasta Retreat - Click Here

Are you dreaming of owning your own business? Maybe you picture yourself running a bustling coffee shop or a sleek fitness studio in the perfect area of your town. Franchising often seems like the shortcut to that dream – a pre-packaged path to success, where the brand and the system are already in place. But, as with most things in life, the reality is a little less glamorous than the Instagram-filtered facade.In this episode, we take a deep dive into the world of franchising. From the initial allure of a "cheat code" to building wealth to the often-overlooked realities of bureaucracy, legal entanglements, and the never-ending dance of stakeholders, we lay bare the realities of franchise ownership.This episode is a must-listen for anyone considering franchising. We'll help you cut through the hype and make informed decisions about whether franchise ownership is the right fit for you.Key TakeawaysBeyond the “Cheat Code”: Franchising isn't a magic bullet to wealth. It's a business model with its own set of complexities and challenges.It's Not Just a Sign-Up: Before jumping in, be prepared for a thorough application process, including fees and scrutiny of your financial standing.You'll be juggling more than just your own employees. Franchise ownership means navigating a symphony of stakeholders, including sales teams, operations support, and vendors.Location, Location, Location: The hype often centers around “prime” locations, but the reality is most franchises operate in less-than-ideal spots. Demand generation is crucial, and you'll need to build your own customer base.Beyond the Honeymoon Phase: The initial excitement of a franchise can fade quickly as you face the day-to-day realities of running a business within the constraints of a corporate model.Deep Pockets & Deep Relationships: You'll need financial stability to handle unexpected costs and a strong network to navigate challenges and find reliable help. Connect with Julien and Kiersten on our website, Instagram, Twitter, and YouTube.Join our email list to get updates from us, opportunities for discounts, freebies and a quick rundown on the relevant financial and career news impacting your life. Get our book Cashing Out: Win the Wealth Game by Walking Away, named 2023 best overall book about investing by Business Insider and one of the best personal finance books by ForbesIf you would like to learn more about investing, check out our newest class, Making Money Grow

You've heard of the Snowball and Avalanche methods, but which one is right for you? In this episode, we discuss the nuances of these popular debt payoff strategies, exploring the psychology behind each and how they might affect your financial journey.We're not here to shame you about debt. Let's be real, in this economy, it's practically a badge of honor to have survived the last few years without getting buried in debt. But, when you're ready to take charge, knowing the right approach can be the difference between a successful debt-free journey and a cycle of frustration.We'll break down the pros and cons of each approach, sharing insights on how your mindset can play a crucial role in success. Because let's face it, sometimes even the best strategy falls short if you're not mentally prepared for the challenges ahead.TakeawaysThe snowball method involves paying off the smallest debt first, providing quick wins and motivationThe avalanche method focuses on paying off the debt with the highest interest rate, resulting in less interest paid over timeYour mindset is just as important as the math. Choosing a debt payoff strategy depends on personal preferences and financial goalsUsing windfall money and balance transfers can accelerate debt payoffThink of it like chicken soup. Do you want to pop open a can of Campbell's? It's quick, easy, and gets the job done, but lacks the depth and soul of homemade. Or, are you willing to invest a little more time and effort to craft a broth that will simmer in your heart (and stomach) for days?Focus on making progress over the next 90 days to reduce debt before the holiday seasonReassess, adjust, and celebrate. Don't get stuck in a rut. If one method isn't working, switch it up. And remember to celebrate every milestone, even the small ones.Links: Episode 93 - credit card balance transfersEpisode 142 - how we paid off $200,000 in debt Episode 138 - Tips to avoid holiday overspending Connect with Julien and Kiersten on our website, Instagram, Twitter, and YouTube.Join our email list to get updates from us, opportunities for discounts, freebies and a quick rundown on the relevant financial and career news impacting your life. Get our book Cashing Out: Win the Wealth Game by Walking Away, named 2023 best overall book about investing by Business Insider and one of the best personal finance books by ForbesIf you would like to learn more about investing, check out our newest class, Making Money Grow

Is it better to focus on building wealth (net worth) or making sure you have enough money coming in to cover your bills (cash flow)? This question represents a classic financial tug-of-war, and the answer, as you might have guessed, is both. So this week, we're tackling both sides of the argument and reminding you why you don't have to choose. Cash-producing assets like rental properties, dividend stocks, and business ownership allow you to generate cash in the short term while still building wealth in the long term. In this episode, we explore the tension between cash flow and net worth and highlight the benefits and drawbacks of each. We emphasize the value of cash-producing assets, such as rental properties, dividend stocks, bonds, royalties, and business ownership, in achieving both cash flow and long-term growth. We also review some potential pitfalls of buying or building these assets, including the need for upfront capital, tax considerations, legal protection, and the importance of adapting to changing environments.Links: Episode 107 Net Worth: How to manage and optimize your financial future Episode 118 Dividend Investing Episode 112 The role bonds play in a downturn Episode 133 The Pros and Cons of Alternative Investments  Connect with Julien and Kiersten on our website, Instagram, Twitter, and YouTube.Join our email list to get updates from us, opportunities for discounts, freebies and a quick rundown on the relevant financial and career news impacting your life. Get our book Cashing Out: Win the Wealth Game by Walking Away, named 2023 best overall book about investing by Business Insider and one of the best personal finance books by ForbesIf you would like to learn more about investing, check out our newest class, Making Money Grow

This week we're talking about the stock market's latest tantrum and what it means for YOU. (Spoiler: maybe not as much as you think!)

This week we're ditching the usual deep dives and trying a new format. The Quick Dip is where we embrace shallow takes, and in this episode we're talking about everything from the Olympics and bankruptcy to the creepy world of personalized pricing. First we tackle the Olympic exploitation issue, questioning the disparity in pay and prize money for athletes across the globe. Then we discuss the rising bankruptcy trend, wondering if we're becoming numb to the stigma or if it's truly just changing. And finally, we explore the spooky world of surveillance pricing, wondering if we've lost our privacy in the pursuit of convenience. Get ready to be surprised, provoked, and possibly slightly horrified Links: Why are Olympians so Broke?Download our free Financial Technology ToolkitBankruptcies up 16% YoYImpact to credit score and likelihood for bankruptcy in states with legalized bettingFTC files special report regarding surveillance pricing Connect with Julien and Kiersten on our website, Instagram, Twitter, and YouTube.Join our email list to get updates from us, opportunities for discounts, freebies and a quick rundown on the relevant financial and career news impacting your life. Get our book Cashing Out: Win the Wealth Game by Walking Away, named 2023 best overall book about investing by Business Insider and one of the best personal finance books by ForbesIf you would like to learn more about investing, check out our newest class, Making Money Grow

This week we're talking about the emotionally charged world of affordable housing, as we share the story of our journey to find suitable housing for Julien's mother. This episode is a must-listen for anyone grappling with the complexities of aging parents and their life after retirement, financial instability, and the often-overlooked reality of the affordable housing system.In telling our story, we explore:The emotional toll of the search: We highlight the emotional labor and stress of finding affordable housing for aging parents, particularly when the parent is used to owning their own home. We also talk about the difficult conversations around finances and independence, while dealing with the bureaucratic hurdles and emotional challenges that arise.The financial burden of housing: We shed light on the exorbitant costs of senior living and the lack of affordable housing options for those who need it most. Specifically, the challenges faced by those who rely on fixed incomes like social security, and the financial pressures that come with aging.The systemic barriers within the affordable housing system, like limited availability, long waitlists, and inflexible eligibility requirements. The need for early preparation: We can't stress the importance of early preparation for aging parents enough, including the need to create online access for financial transactions and to prepare for the emotional conversations around their future.The importance of community and support: Let this be your reminder that you are not alone in this challenging process and that leaning on community resources and support networks can be the difference maker.Links: AARP Future of Housing ReportDownload our free Financial Technology ToolkitGeorgiaHousingSearch.org - a directory of affordable housing options in GeorgiaBounce Back: The Ultimate Guide to Financial Resilience book by Lynnette Khalfani-Cox  Connect with Julien and Kiersten on our website, Instagram, Twitter, and YouTube.Join our email list to get updates from us, opportunities for discounts, freebies and a quick rundown on the relevant financial and career news impacting your life. Get our book Cashing Out: Win the Wealth Game by Walking Away, named 2023 best overall book about investing by Business Insider and one of the best personal finance books by ForbesIf you would like to learn more about investing, check out our newest class, Making Money Grow