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Our guest is RICHARD WATTS, author of the brand new book Legacy Redefined, founder of Family Business Office, and attorney, consultant and personal advisor to wealthy families across the US. He is a renowned speaker and contributor to national publications. We discuss legacy vs inheritance, the power of serving others, family business, how to approach wealthy donors with an ask, and much more. Make sure to visit http://h3leadership.com to access the full list and all the show notes. Thanks again to our partners for this episode: REGENT BANK - connect with the team at https://www.regent.bank/. Regent Bank is one of the fastest-growing financial institutions in the country, uniquely positioned as a faith-based bank with a clear purpose: "To show God's love to employees, clients, and communities." Regent Bank stands out with both a dedicated prayer team and a specialized department focused exclusively on serving faith-based organizations, where all nonprofit clients are offered completely free banking services, along with highly competitive interest rates and access to specialized support across multiple financial areas. Find out more at http://regent.bank. And SUBSPLASH – engage your congregation through Subsplash. Schedule your free demo at http://subsplash.com/brad. Subsplash is the platform made to help maximize your church's giving, growth, and engagement. The go to for mobile apps, messaging, and streaming, along with building websites, groups, giving and more, Subsplash puts today's most innovative church technology into your hands so you can focus completely on ministry. Visit http://subsplash.com/brad and join more than 20,000 churches and ministries who partner with Subsplash. Again, visit http://subsplash.com/brad to schedule a quick, no obligation demo.
Health Affairs Publishing's Rob Lott speaks to Betsy Cliff from the University of Chicago about her paper in the July 2026 issue of Health Affairs exploring trends in US healthcare spending by income. Order the July 2026 issue of Health Affairs.Sign up for our free Health Affairs newsletters to stay up to date on health policy news and analysis.
Dr. Stacey McFarland was tired of watching well-meaning pet parents feed their dogs birthday cakes and treats packed with toxic sugars, salt, and artificial fillers. So, this practicing veterinarian decided to step into the kitchen and change the industry herself.In this episode of the UpFlip Podcast, we sit down with Dr. Stacey to uncover how she built Doggie Bakery Miami. What started as a zero-budget passion project baking healthy treats for Caribbean shelter dogs has exploded into a luxury pet bakery generating 7-Figure a year. She shares exactly how she transitioned from a side project into a premium brand that caters to everyday dog moms and celebrity VIPs like IShowSpeed.If you are looking for the push to start your own business or want to learn how to stand out in a saturated market, this episode proves that you don't need a massive budget to launch—you just need a great product and the grit to keep going.What You'll Learn in This Episode:The Vet-Approved Differentiator: Why refusing to cut corners with cheap fillers and focusing on organic, science-backed ingredients allowed her to command premium pricing.Starting on a Shoestring Budget: How to launch a profitable business with just a few dollars, a smartphone camera, and an LLC.Organic Marketing Mastery: How showing your face, connecting with the local community, and leveraging organic social media beats expensive paid ads.Surviving the First-Year Valleys: A raw look at entrepreneurial burnout, 3:00 AM oven disasters, and why refusing to quit is the ultimate secret to success.Scaling Without Selling Out: How to grow your revenue while staying true to your core mission and refusing to mass-produce a lower-quality product.Stop waiting for the perfect business plan and take your first step today!Tags: Side hustle, Entrepreneurship, Business growth, Business ideas, Pet BakeryResources:The only thing worse than never starting a business… is starting the wrong one. That's why we created the UpFlip Assessment. It's a free tool that matches you with business ideas based on your skills, budget, experience, goals, and the kind of work you actually want to do. The results are scary accurate. Click the link in the show notes to see your best-fit business ideas in seconds — for free.UpFlip Assessment Tool: https://accelerator.upflip.com/assessment Follow Our Second Channel Here: https://next.upflip.com/spotify Connect with Andrea: https://www.instagram.com/andreapalacio/?hl=en
SMALL BUSINESS FINANCE– Business Tax, Financial Basics, Money Mindset, Tax Deductions
Why do wealthy people often pay less in taxes? It is not always because they earn less. It is because they own assets and use the tax code differently. In this episode, Tiffany explains how business owners and investors use appreciation, borrowing, depreciation, cost segregation, and step-up in basis to protect and build wealth. You will hear real examples of people who accessed cash, lowered taxable income, and planned for future wealth transfers without relying on illegal loopholes. You will also learn why strong tax planning starts long before tax season—and how stacking several legal tax strategies can create a much bigger result. This episode offers practical CPA advice for business owners who want better tax savings, smarter wealth planning, and a stronger long-term tax strategy. Listen now and learn why keeping more starts with owning differently.
A profitable practice can create tremendous cash flow—but it does not automatically create personal wealth. In this episode of 20/20 Money: The Business of Optometry, Adam bridges the gap between running a successful optometry practice and using that success to build lasting financial independence. Drawing on nearly 20 years of working with business owners, he explains why practice size, income, and personal net worth are related—but far less correlated than many owners assume. Adam shares several patterns consistently demonstrated by financially independent practice owners, including intentionally moving excess cash out of the practice, diversifying into multiple income-producing assets, maintaining adequate liquidity, and increasing their investments before expanding their lifestyle. He also addresses one of the biggest financial risks facing practice owners: relying on the eventual sale of the practice as the primary retirement plan. Buyer availability, health changes, burnout, market conditions, taxes, outstanding liabilities, and unrealistic valuation expectations can all disrupt a transition. The wealthiest owners Adam has worked with did not become wealthy when they sold their practices. They became wealthier. The practice sale simply converted one asset into another—it was the whipped cream and cherry on top of the financial sundae, not the sundae itself. In this episode: Why generating cash and deploying cash require different skill sets How excess cash in the practice can create significant opportunity costs The importance of building wealth outside the practice Why net worth and liquidity are not the same thing How lifestyle creep can reduce flexibility inside the business Why practice owners should build income-producing assets The risks of making the practice sale your retirement plan How personal financial pressure can derail practice-sale negotiations Why financial independence should be built before closing day Next Best Step: Ask yourself this question: If your practice were worth 30% less than you expect—or you had to retire five years earlier because of your health—would your financial plan still work? If the answer is no, your practice is not merely part of your retirement plan. It is your retirement plan—and that may be the greatest financial risk you are carrying. Referenced episodes: Are you building wealth...or just feeding the machine?? 3 financial lessons learned from my grandpa and grandma Have a podcast-related question? Contact our team here! Resources: Book a Triage call with Adam Download the Practice Owner's Financial Toolkit 20/20 Money Ultimate Financial Success Masterclass OD Mastermind Interest Form Check out Adam's new book: How to Buy an Optometry Practice ————————————————————————————— Please rate and subscribe to 20/20 Money on these platforms Apple Podcasts Spotify ————————————————————————————— For past episodes of 20/20 Money with full companion show notes, please check out our episode archive here! Check out Adam's other podcast! The Optometry Success Podcast Subscribe on Apple Podcasts: https://bit.ly/4tttng6 Subscribe on Spotify: https://bit.ly/4tuf0YM
If you've ever found yourself questioning whether your work matters, comparing yourself to everyone online, or wondering how to keep creating when the industry feels more crowded than ever, today's guest is for you. Lara Bianca Pilcher is an author, performer, creativity coach, and longtime advocate for artists. Her new book, Audacious Artistry, is a guide for creatives who want to reconnect with their artistic identity, build resilience, and create with courage in a saturated world. Drawing on decades of experience in the performing arts and her work coaching creatives, Lara offers practical wisdom for artists who want longevity, purpose, and a healthier relationship with their craft. Get the book Audacious Artistry HERE Lara's Healthy, Wealthy and Wise Artist Podcast Subscribe to the Atlanta Voiceover Studio podcast for interviews with top voice actors, casting professionals, agents, and industry experts helping you build a successful voice over career. Atlanta VO Studio Upcoming Training Beginner Voice Over Intensive Starting August 31st Acting for Animation and Video Games with Arianna Ratner CLASS August 11th Audiobook Foundations Class August 19th Secrets to Sounding Like You - Learn how to bring your authentic voice to reads with Steve Henderson September 2nd Adobe Audition Class with Larry Hudson - Sept 14th Audiobook Branding Workshop with Penguin Random House Casting Dir & The Articulate Coach Julie Wilson - Sept 22nd Craft of Storytelling with John Morris (Andy from Toy Story) - September 23rd The Business Behind Voiceover Workshop with Saundi Harrison-Cooksey - September 26th Looking for a VO MENTOR? Check out our Mentorship Membership https://www.provoiceovertraining.com/300-membership CLICK HERE for 15% off a Voice123 Membership ($495 tier and up) - https://bit.ly/3uPpO8i Terms & Conditions - https://docs.google.com/document/d/1CcYMkdLxWfbmwbvu-mwaurLNtWYVpIBgkJpOQTYLDwc/edit?usp=sharing *LET'S CONNECT! * facebook.com/atlantavoiceoverstudio instagram.com/atlantavoiceoverstudio twitter.com/atlvostudio tiktok.com/@atlantavoiceoverstudio YOUTUBE: https://youtube.com/atlantavoiceoverstudio Atlanta Voiceover Studio & ProVoiceoverTraining's Classes & Workshops www.AtlantaVoiceoverStudio.com www.ProVoiceoverTraining.com **Sign up for FREE weekly VO tips: https://bit.ly/AVSemail
John continues his conversation with Roy Smith. They discuss why modest living can be a security strategy and what recent high-profile incidents reveal about gaps in security systems. Roy also shares practical advice for influencers and high-profile people on how to stay off the wrong people's radar, build the right security posture, and hire the right people for protection. Listen to this episode to learn more: [00:00] - Wealthy people like Sam Walton and Warren Buffett lived modestly [02:36] - Some ways to stay off the wrong people's radar [05:01] - Basic security strategy for influencers & high-profile people [07:38] - Roy's thoughts on clients carrying firearms [10:37] - What went wrong during the attempted assassination of Donald Trump [14:25] - Charlie Kirk incident from a protection standpoint [19:48] - How Viking EPS finds and hires security professionals [22:35] - Why character matters more than an impressive resumé [25:21] - Rapport vs. professional distance with clients [28:00] - Every client needs a different style of protection [31:02] - How often do real threats happen? [32:03] - Why media protection is where Roy sees the most threats [34:04] - Roy's definition of success [36:00] - Traits of a great leader [36:39] - How Roy's team responds to his leadership [38:10] - Best advice Roy ever got [39:09] - Legacy Roy wants to leave [39:45] - How Roy is investing in his growth [41:44] - When John lost 50% of revenue in two months during 2008 [44:20] - How to connect with Roy [47:46] - Book recommendations [49:30] - Wrap-up NOTABLE QUOTES: "If no one really knows who you are, they're not going to watch you." "Don't be reactive. Be proactive." "Don't just think, 'Oh, I'm not a target,' because that's when you may become a target." "If I get in a gunfight with someone, protecting someone, I've already lost because now my client is exposed." "On paper, you can make your resume look like a beast... But when you put the boots on the ground is when you actually can see how someone really is." "Success is taking your God-given talents, and using it to the best of your ability every day." "Don't let ego get in your way of success." "How can I ask you to do something that I'm not willing to do?" "The wisdom only comes from screwing up." "A good leader is someone who has compassionate understanding, knowledge, but not knowledge to a point where they believe they know everything, and they can still learn from the people that are underneath them and working beside them." BOOKS MENTIONED: Left of Bang: How the Marine Corps' Combat Hunter Program Can Save Your Life by Patrick Van Horne and Jason A. Riley (https://a.co/d/0h5VqQLm) The Art of War by Sun Tzu (https://a.co/d/0j0tqq5T) Green Book (book and movie) USEFUL LINKS: https://vikingeps.com/ https://www.linkedin.com/in/roysmithviking/ https://www.instagram.com/viking_eps/ https://www.facebook.com/roy.smith.12720 https://www.facebook.com/profile.php?id=61573089273718&ref=NONE_xav_ig_profile_page_web https://x.com/vikingeps https://www.youtube.com/@vikings-d9g CONNECT WITH JOHN Website - https://iamjohnhulen.com LinkedIn - https://www.linkedin.com/in/johnhulen Instagram - https://www.instagram.com/johnhulen Facebook - https://www.facebook.com/johnhulen X - https://x.com/johnhulen YouTube - https://www.youtube.com/@iamjohnhulen EPISODE CREDITS Intro and Outro music provided by Jeff Scheetz - https://jeffscheetz.com/
Are you the kind of woman who likes to swing big? The exact mindset that helps you build a successful business could be the very thing holding you back as an investor. In this episode, I unpack the subtle—but ultimately HUGE—difference between thinking like an entrepreneur and thinking like an investor, and why mastering both could completely change your wealth-building journey. Tune in to learn: The subtle difference between an entrepreneurial mindset and an investor mindset. How, where, and why to leverage both. Why women, on average, get 1.8% better investment returns than men. The expensive lesson I learned after making a risky investment bet.
MORE THAN A RIDE: HOW NEIGHBOR RIDE HELPS SENIORS STAY CONNECTED WATCH ON YOUTUBE Sandy Hornor | CEPS Managing Director, Wealth Management & Executive Manager Bruce Fulton Financial Planner Neighbor Ride Tessa Hall Media and Communications Specialist, BWFA About This Episode Transportation is about more than getting from one place to another. For many older adults, it helps maintain independence, build social connections, and support a higher quality of life. In this episode of Healthy, Wealthy & Wise, Tessa Hall and Sandy Hornor are joined by Bruce Fulton, Executive Director of Neighbor Ride. They discuss how the Howard County nonprofit connects adults aged 60 and older with volunteer drivers. Together, they explore how the organization helps riders reach medical appointments, grocery stores, social activities, and other important destinations. The conversation also highlights the value of volunteerism and the importance of staying connected during retirement. In addition, Bruce explains how community partnerships strengthen Neighbor Ride’s mission. BWFA is proud to sponsor Neighbor Ride’s volunteer driver program and support its commitment to neighbors helping neighbors. Learn more about Neighbor Ride by visiting https://neighborride.org/. Read Full Description Retirement is about more than financial security. It also means maintaining your independence, staying socially connected, and continuing to enjoy the activities that make life meaningful. In this episode of Healthy, Wealthy & Wise, Tessa Hall and Sandy Hornor welcome Bruce Fulton, Executive Director of Neighbor Ride. The Howard County nonprofit connects adults age 60 and older with volunteer drivers who provide transportation to medical appointments, grocery stores, social events, and other important destinations. As a result, older adults can remain active and engaged in their communities. Bruce explains how Neighbor Ride grew from a small community initiative into one of the region’s leading volunteer transportation programs. Today, hundreds of volunteer drivers provide thousands of rides each year while building meaningful relationships with the people they serve. The conversations that happen during each ride often become just as valuable as the transportation itself. The discussion also highlights the importance of community, volunteerism, and planning for life beyond finances. Sandy shares why BWFA is proud to sponsor Neighbor Ride’s volunteer driver program and support an organization that helps older adults remain connected, independent, and engaged throughout retirement. To learn more about Neighbor Ride, request transportation services, or become a volunteer driver, visit https://neighborride.org/.
Tax planning isn't just about saving money—it's about building lasting wealth. Join us on Spaghetti on the Wall as we sit down with Carl F. Worden III, nationally recognized Tax Deferral Strategist, bestselling author, and educator, to discuss how entrepreneurs, investors, and business owners can legally reduce taxes, preserve more of their income, and create long-term financial success through strategic planning.Connect with Carl F. Worden IIIFacebook: https://www.facebook.com/carl.worden?locale=en_GBLinkedIn: https://www.linkedin.com/in/carlwordenWebsite: https://www.defertax.com/tax-deferral-consultants/carl-worden
Seattle's most expensive home listing just took a $30 million haircut — from $75 million down to $45 million — and it has nothing to do with a soft market. It's because Washington's ultra-wealthy are voting with their feet, and Mayor Katie Wilson is the one holding the door open.Democrats in Olympia swore their new 9.9% income tax wouldn't chase anyone out of state. The Denny Blaine waterfront estate says otherwise. A 40% price slash on the state's priciest listing isn't a negotiating tactic — it's capital flight in real time. The sellers aren't lowering their ask because they want to. They're lowering it because the buyers who could write that check have already relocated to states that don't punish success.This is what the progressive playbook looks like when it finally runs out of road. Tax the wealthy, watch them leave, watch the market collapse, then act surprised when the revenue forecasts never materialize. Seattle's luxury inventory is surging, serious cash buyers are disappearing, and the canary isn't just singing anymore — it's on the floor. One $30 million price cut is a data point. A wave of them is a policy verdict.CHAPTERS0:00 Blue State Exodus: Seattle Mansion…1:56 Seattle's $75M Home Slashed to $45M4:03 Seattle's Most Prime Waterfront Location5:21 Sellers Taking a $30M Haircut7:19 Twelve Bathrooms on a $45M Listing8:19 Jeff Bezos Got $63M, Bloom Gets $45M9:35 Sellers Just Want Out of Washington11:19 Washington's 9.9% Tax Chasing Out Wealth12:35 Sky-High Asking Prices Face Market…13:54 Luxury Listings Up 65% After Tax Signed15:14 Rich Barton and Bezos Led the Exodus16:54 Cash Buyers Win as Sellers Flee19:35 Staying in Seattle Means Paying More22:10 Mayor Wilson Wrong About the ExodusSubscribe to @reasonablenews and hit the notification bell — new episodes every weekday.#Seattle #Socialism #WashingtonPoliticsGO PREMIUM WITH REASONABLE+ FOR UNCENSORED ACCESS
Paul Hall, Fox News Contributor and retired NYPD Inspector, joins the show to discuss Mamdani's new doxing of wealthy landowners for tax purposes. He also offers his take on the arrest of Tony Romo.
Hour 1 of The Mark Reardon Show begins by discussing the Cardinals walk off 3-2 win last night over the Cubs. Stuart Smith, Investigative Analyst at City Journal and the Manhattan Institute, joins the show to discuss why the Democrat Socialists of America is gaining so much traction among young people. Paul Hall, Fox News Contributor and retired NYPD Inspector, joins the show to discuss Mamdani's new doxing of wealthy landowners for tax purposes. He also offers his take on the arrest of Tony Romo.
Hello, Beautiful...I'm so grateful you're here with me. Wealth becomes easier to receive when you believe you are worthy of it. This empowering affirmation meditation helps release limiting beliefs around money while strengthening confidence, abundance, and prosperity consciousness. Perfect for manifestation, wealth mindset, financial freedom, success, and abundance. Love,
John Maytham is joined by 15-year-old rally race car driver, Gianna Pascoal to unpack whether go-karting is now reserved for the rich. Presenter John Maytham is an actor and author-turned-talk radio veteran and seasoned journalist. His show serves a round-up of local and international news coupled with the latest in business, sport, traffic and weather. The host’s eclectic interests mean the program often surprises the audience with intriguing book reviews and inspiring interviews profiling artists. A daily highlight is Rapid Fire, just after 5:30pm. CapeTalk fans call in, to stump the presenter with their general knowledge questions. Another firm favourite is the humorous Thursday crossing with award-winning journalist Rebecca Davis, called “Plan B”. Thank you for listening to a podcast from Afternoon Drive with John Maytham Listen live on Primedia+ weekdays from 15:00 and 18:00 (SA Time) to Afternoon Drive with John Maytham broadcast on CapeTalk https://buff.ly/NnFM3Nk For more from the show go to https://buff.ly/BSFy4Cn or find all the catch-up podcasts here https://buff.ly/n8nWt4x Subscribe to the CapeTalk Daily and Weekly Newsletters https://buff.ly/sbvVZD5 Follow us on social media: CapeTalk on Facebook: https://www.facebook.com/CapeTalk CapeTalk on TikTok: https://www.tiktok.com/@capetalk CapeTalk on Instagram: https://www.instagram.com/ CapeTalk on X: https://x.com/CapeTalk CapeTalk on YouTube: https://www.youtube.com/@CapeTalk567 See omnystudio.com/listener for privacy information.
COULD YOUR WITHDRAWAL STRATEGY HURT YOUR RETIREMENT? WATCH ON YOUTUBE Tyler Cunningham, CFP®, CEPS, CDFA® Financial Planner Tessa Hall Media and Communications Specialist About This Episode Could your retirement withdrawal strategy have a greater impact than your investment returns? In this episode of Healthy, Wealthy & Wise, Tessa Hall speaks with BWFA Financial Planner Tyler Cunningham about sequence of returns risk and why the timing of withdrawals can significantly influence retirement outcomes. Although two retirees may earn the same average rate of return, the order in which those returns occur can produce very different long-term results. Tyler explains why creating cash reserves, strategically structuring retirement income, and understanding distribution options can help reduce unnecessary risk. He also discusses when rolling assets from an employer-sponsored retirement plan to an IRA may provide greater flexibility for managing retirement income. To learn more about BWFA’s Financial Planning services, visit our Financial Planning page. Read Full Description Two retirees can have nearly identical portfolios and earn the same average rate of return. Yet one may reach a very different financial outcome than the other. One reason is sequence of returns risk, which refers to the order in which investment gains and losses occur after retirement. In this episode of Healthy, Wealthy & Wise, Tessa Hall speaks with BWFA Financial Planner Tyler Cunningham about why withdrawal timing matters. Tyler explains how taking retirement distributions during a market decline can permanently reduce a portfolio’s value. He also discusses why preparing before retirement is just as important as selecting the right investments. The conversation explores practical strategies that may help reduce sequence of returns risk. Tyler explains why maintaining cash reserves or fixed income investments can help retirees avoid selling investments during market downturns. He also discusses how creating separate income “buckets” may improve long-term retirement outcomes. The episode also examines the differences between employer-sponsored retirement plans and IRAs. Tyler explains why IRAs often provide greater flexibility when selecting which investments to sell for retirement income. In addition, he discusses common withdrawal mistakes and why distribution planning should consider both investment performance and taxes.
Blake Johnson is a serial entrepreneur who has founded and sold five companies, including a $97 million exit and the sale of Byte for more than $1 billion. After nearly losing his first business during the 2008 financial crisis, he developed a disciplined framework for bootstrapping, scaling and positioning companies for acquisition. In this episode, Blake explains how he evaluates markets, controls customer acquisition costs, builds high-performing teams and creates businesses that strategic buyers and private equity firms want to acquire. Hosted on Ausha. See ausha.co/privacy-policy for more information.
Dr. Dennis Pilon is a political science professor at York University who studies elections and democracy Learn more about your ad choices. Visit megaphone.fm/adchoices
New York City Mayor Zohran Mamdani is facing outrage from wealthy homeowners after he published a searchable database identifying affluent property owners who could be subjected to a proposed pied-a-terre tax. Critics say it would expose the wealth to harassment and public safety risks. This is a very dangerous move.See omnystudio.com/listener for privacy information.
"Come now, you rich, weep and wail for the misery that is coming upon you." That's James five, verse 1, and this is Something Good with Dr. Ron Jones. Well, you may think those words are reserved for the one-percenters. Wealthy men and women who have come to love money more than God. But maybe, just maybe, he's talking to me and you as well. Stay with us now as Ron moves ahead in his teaching series, “James: A Faith That Works.”
Executive Summary Most people treat tax season as something that happens to them every March, a stack of forms to survive rather than a plan to work. In this episode, Kim Butler and Spencer Shaw make the case that taxes are not a maze to escape but a roadmap to follow, and that the wealthy simply read the map earlier and more often. Drawing on her decades of experience and her friendship with tax experts Tom Wheelwright and Diane Kennedy, Kim breaks down why the language we use around taxes, roadmap versus loophole, planning versus preparation, matters far more than most people realize. The conversation moves from the philosophical to the practical. Kim explains why most CPAs are historians rather than strategists, reporting on a year that has already closed instead of shaping the year still in motion. She draws a clear line between W-2 earners, whose options are limited, and those with 1099 income, real estate, or a business, who have real room to legally reduce what they owe. For W-2 households specifically, she introduces one concrete move: stop paying taxes on emergency and opportunity money sitting in a savings account or CD, and instead let it grow inside a whole life insurance policy at a mutual company, where it stays liquid and untaxed. Listeners walk away with a clearer sense of the difference between what is legal and proactive versus what is risky and reactive, along with a specific, actionable step they can take before the end of the year rather than scrambling in the months after it. Links & Resources Mentioned Prosperity Podcast: https://prosperitythinkers.com/podcasts/ Prosperity Parents: http://prosperityparents.com/ Kim D. H. Butler on YouTube: https://www.youtube.com/@KimDHButler Contact: hello@prosperitythinkers.com Book mentioned: Live Your Life Insurance by Kim Butler (available on Amazon) Keywords financial freedom, tax planning, tax strategy, tax preparation vs tax planning, Prosperity Thinkers, whole life insurance, cash value life insurance, W-2 tax strategies, tax roadmap, Tom Wheelwright, CPA vs tax strategist, emergency fund, opportunity fund, tax-free growth, cash flow, wealth preservation, mutual life insurance company, 1099 income, real estate tax strategy, business owner tax planning Episode Highlights [00:00:00 - 00:01:00] Spencer introduces the episode: what the wealthy know about taxes that most people don't. [00:01:00 - 00:02:00] Kim explains Tom Wheelwright's rule: change your facts to change your taxes. [00:02:00 - 00:04:00] Kim breaks down why "roadmap" is the right word and "loophole" is the wrong one. [00:04:00 - 00:05:00] Kim shares a judge's quote on paying only what you legally owe. [00:05:00 - 00:06:00] Kim distinguishes tax planning from tax preparation, and why timing changes everything. [00:06:00 - 00:09:00] Kim explains why your CPA may not be your tax strategist. [00:09:00 - 00:11:00] Kim reveals the one move every W-2 earner can make: untaxed emergency and opportunity money. [00:11:00 - 00:13:00] Kim explains how shifting term insurance into whole life turns an expense into an asset. [00:13:00 - 00:14:00] Kim details how whole life cash value works: withdraw to basis, or borrow against growth. [00:14:00 - 00:15:00] Spencer closes with the standard call to action and next steps.
Jesus wants you to be spiritually wealthy. He tells us four parables that teach us how.This sermon based on Matthew 13:44-52 was preached on July 26, 2026 for a sermon series called, "The Authentic Life."
Barry Strauss introduces Cleopatra, the Queen of Egypt and member of the Ptolemaic dynasty founded by one of Alexander the Great's generals. Strauss describes Alexandria as the Mediterranean's greatest metropolis and a wealthy cultural hub. Cleopatra is depicted as a "tough player" who survived deadly family intrigues to rule Egypt. When she meets Antony in 41 BC at Tarsus, she dazzles him with a spectacular, perfumed arrival on a barge. Antony views Cleopatra not just as a lover, but as a vital financial resource for his Eastern ambitions. A key point of contention is Caesarion, Cleopatra's son, whom many believed was the child of Julius Caesar. Octavian's later propaganda painted the East as "effeminate" compared to Roman manliness. To demonstrate her immense wealth, Cleopatra famously dissolved a priceless pearl in vinegar during an extravagant dinner. (2)
In this video, I explain why the order of investing matters for nurses with limited monthly income and outlines a five-step framework that prioritizes free money, tax-advantaged growth, and then taxable investing. 00:00 Investing Order for Nurses 01:46 Why Order Matters 03:07 Step 1 05:13 Step 2 08:20 Step 3 11:55 Step 4 13:43 Step 5 16:27 Extra Step 17:28 Recap and Next Steps 18:30 Final Encouragement Coast FI Calculator: https://nursingflowsheet.com/coast-fi-calculator-financial-freedom-for-nurses/ TRY MONARCH MONEY use codeMONARCHVIP to get 50% off: https://monarchmoney.sjv.io/VxYNjk ➤ Free Investment CHEAT SHEET: https://www.nursewhoinvests.com/starter ➤ Free Investing Class: https://www.nursewhoinvests.com/class Connect with me: Instagram: http://www.instagram.com/nursewhoinvests Website: https://nursingflowsheet.com/ ➤ Subscribe for more videos on nursing, career growth, and financial freedom!
Alan Philps profiles Alice Moats, a wealthy American socialite who reinvented herself as a war correspondent during the siege of Moscow. Known for her book No Nice Girl Swears, "Mozy" was often viewed as light entertainment, yet she was a persistent and effective reporter. She famously defied the British ambassador's attempts to evacuate her, hiding in embassy annexes to remain in the city. Philps likens her to the "fool in a Shakespeare tragedy" who exposes the follies of more serious figures. Despite her socialite background, Moats connected with General Anders and was part of the early conversations regarding the Katyn Forest massacre of Polish officers. Her reporting provided a unique window into how the Soviets attempted to manipulate the very people they had oppressed, and Philps credits her for highlighting one of the great tragedies of the 20th century. (6)1920
A Wealthy Foundation - 1 Timothy 6:17-19 Jim Esway
An encore episode from the Under The Influence Archives. A very interesting favourite.Most tourism marketing aims at the largest audience possible.This week, we look at a sub-category aimed at the smallest audience possible:Billionaire Tourism. The super wealthy get bored easily.That means luxury tour planners dream up extreme vacation ideas.From outer space, to the bottom of the ocean, to secretly getting the key to the Sistine Chapel, it's a whole new pricey world.We know you want to listen to all the ads in this show. On the off-chance you don't, subscribe ad-free here. Hosted on Acast. See acast.com/privacy for more information.
This week on Ask Farnoosh, I'm reflecting on a memorable visit to the Today Show with my daughter, Colette, and how exposing kids to new experiences can shape their futures. That conversation leads into one of the smartest long-term wealth-building strategies available to parents: putting your child on payroll—legitimately—and using earned income to fund a Roth IRA.I also unpack fascinating new research linking chronic financial hardship to long-term brain health, discuss Senator Andy Kim's proposed Healthy Kids Act, explore why modern baby registries are shifting from "stuff" to services, and share lessons from a Washington Post column on what people consistently misunderstand about retirement.Then, in this week's listener question, I help a family navigate an emotionally complicated financial crossroads: a potential $500,000–$800,000 inheritance, a home renovation, IVF, a recent layoff, and the challenge of deciding which priorities deserve the biggest investment. Together, we explore why the most valuable outcome isn't simply growing wealth—it's creating more choices.Referenced: Senator Andy Kim on So Money.Learn more about Farnoosh's upcoming literary workshop Book to Brand. Early bird registration is now open! Hosted on Acast. See acast.com/privacy for more information.
Brian Portnoy, author of The Geometry of Wealth, explains why the pursuit of more keeps us on a hedonic treadmill while true wealth means funded contentment. He breaks down his four Cs framework—connection, control, competence, and context—and shares how his experiences with billionaires and families struggling to make ends meet shaped his thinking about what money actually buys. Hosted on Acast. See acast.com/privacy for more information.
In this episode, Dr. Karen Litzy talks with Dr. Karen DeSimone, physical therapist and owner of KD360 Wellness and Physical Therapy, about building a hybrid practice that combines insurance-based care with cash-based wellness services. Karen shares how she shifted from treating visits to delivering outcomes, why that change helped her reduce burnout, and how other clinic owners can apply a similar model without adding staff, locations, or more marketing spend. Why it works: outcome-focused messaging makes the value feel concrete and emotionally compelling, which helps listeners see the episode as a practical solution to a problem they already feel. Key topics covered: · Why declining reimbursements pushed Karen to rethink her business model · The difference between treating visits and treating outcomes · How to introduce cash-based services without abandoning insurance · Why fewer patients and fewer visits can lead to better results · How to have confident, patient-centered conversations about pricing · Why the model works for solopreneurs and small clinics · The mindset shift needed to step off the insurance treadmill Timestamps: · 0:01 — Welcome to the Healthy, Wealthy, and Smart Podcast and the episode's focus on healthcare and business · 0:29 — Karen DeSimone's background and the shift toward an outcome-based model · 1:53 — What drove Karen to build a new model · 2:54 — Why she stacked cash-based services on top of physical therapy · 4:58 — How to talk to patients about cash-based care · 6:43 — How those conversations happen in practice · 8:09 — Why this model can work for other areas like knee pain and surgery avoidance · 9:29 — What is included in the cash-based offering · 11:25 — Bundling services into one package instead of adding visits · 12:32 — Building profitable programs from existing patients · 13:25 — Why this approach can work without more marketing · 14:56 — Why she did not want a larger business or more locations · 16:40 — Why clinicians should think beyond growth for growth's sake · 18:39 — The difference between selling and serving · 19:46 — Why it should never feel like a hard sell · 20:27 — Building conviction and confidence through repeatable outcomes · 21:46 — Practicing how to talk about pricing · 23:03 — How to keep patients moving forward in a 12-week program · 24:30 — Long-term results and patient return visits · 25:03 — Deciding who the model is right for · 26:42 — Why timing matters in the clinical conversation · 28:49 — The first shift: decide · 31:49 — Who can implement this model · 33:51 — Lightning round: money beliefs, metrics, and burnout advice · 36:47 — What Karen is doing to stay healthy, wealthy, and smart · 37:30 — Where to find Karen and learn more · 38:24 — Free starter framework for clinicians · 39:12 — Final encouragement to share the episode Notable takeaways: · "We're not treating visits, we're delivering outcomes." · Cash-based services can be stacked on top of physical therapy to improve results and revenue. · Patients often pay for faster outcomes when the value is clearly explained. · The first step is a decision: choose the model you want, then commit to it. · Confidence comes from repeatable results, not from perfect wording. Resources & Links: · Clinical Architecture Website · KD 360 PT and Wellness · Instagram · LinkedIn · Free Gift: The Freedom From Back Pain Starter Framework, More About Karen: Karen DeSimone, PT, DPT, has practiced physical therapy for 26 years. She earned her Doctor of Physical Therapy from the MGH Institute of Health Professions, began her career at Massachusetts General Hospital, and in 2009 opened KD360 Wellness & Physical Therapy in South Yarmouth, Massachusetts, where she still practices today. A solo clinician running a hybrid cash and insurance model, she helps clients avoid surgery and heal faster using a structured, outcome-driven program. After years inside the insurance-based model, Karen reached a hard conclusion: you can't build a successful system on a broken model. So she built her own: a defined clinical pathway with enrolled patients and predictable outcomes. That pathway became the Freedom From Back Pain Clinical Success System, the online implementation program she now teaches through her company, Clinical Architecture, helping other PT clinic owners deliver the same cash-based care inside their own practices, without adding new patients, staff, or marketing. Her work centers on one principle: we're not treating visits, we're delivering outcomes. Jane Sponsorship Information: Book a one-on-one demo here Mention the code LITZY1MO for a free month Follow Dr. Karen Litzy on Social Media: Karen's Instagram Karen's LinkedIn Subscribe to Healthy, Wealthy & Smart: YouTube Website Apple Podcast Spotify SoundCloud Stitcher iHeart Radio
Listen and subscribe to Money Making Conversations on iHeartRadio, Apple Podcasts, Spotify, www.moneymakingconversations.com/subscribe/ or wherever you listen to podcasts. New Money Making Conversations episodes drop daily. I want to alert you, so you don’t miss out on expert analysis and insider perspectives from my guests who provide tips that can help you uplift the community, improve your financial planning, motivation, or advice on how to be a successful entrepreneur. Keep winning! Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Dr. Willie Jolley. SUMMARY OF THE INTERVIEW In this energetic and motivational conversation, Hall of Fame speaker Dr. Willie Jolley joins Rushion McDonald on Money Making Conversations Masterclass to discuss his new book, “Rich Is Good, Wealthy Is Better.” The interview covers the difference between being rich and being wealthy, the mindsets required for long-term financial growth, and how individuals—no matter their background—can build generational wealth. Jolley also emphasizes discipline, humility, planning, multiple streams of income, overcoming setbacks, and the importance of insurance and protection of assets. PURPOSE OF THE INTERVIEW The interview aims to: 1. Introduce and promote Dr. Jolley’s new book “Rich Is Good, Wealthy Is Better” and the teachings within it. 2. Educate listeners on the distinction between rich and wealthy Jolley wants audiences to understand wealth in generational, not short-term, terms. 3. Motivate individuals to shift their financial mindset From “working money” to “mailbox money.” 4. Empower entrepreneurs and families To adopt discipline, drop pride, and create multigenerational financial systems. 5. Share Jolley’s personal setback‑to‑success story To reinforce that anyone can grow wealth with the right principles. KEY TAKEAWAYS 1. Rich vs. Wealthy Being rich = high income, often tied to active labor (e.g., athlete contracts). Being wealthy = passive income, ownership, generational sustainability. A rich football player earns millions; the team owner earns billions and doesn’t have to “run up and down the field.” 2. The Five Money Mindsets Jolley explains five financial mindsets: One‑day mindset – living day to day. 30‑day mindset – fixed incomes/check-to-check living. One‑year mindset – annual thinking (raises, annual income). Decade mindset – typical for entertainers/athletes with multi‑year contracts. Generational mindset (Wealth Mindset) – building wealth to last multiple generations. Jolley’s goal: move people up just one level at a time. 3. Five Types of Wealth Jolley breaks wealth into five categories: Financial Wealth Health Wealth (“A sick person has one dream; a healthy person has a thousand.” – Les Brown) Relationship Wealth Reputational Wealth (Brand) Intellectual Capital Wealth (What you know and can charge for) 4. Discipline Is the Key Wealth requires: Living below your means Investing the difference Consistency Avoiding arrogance and ignorance 5. Pride Is an Enemy of Wealth Pride leads people to overspend to keep up appearances.Jolley argues that pride “kills wealth” and must be replaced with planning and humility. 6. The Three Legs of Wealth To build sustainable wealth, you need: Income Investment (letting money work for you) Insurance (life, health, car, disability, long-term care) 7. Multiple Streams of Income Jolley urges everyone to build at least two streams of income from: Stocks Bonds Real estate Crypto Collectibles Jewelry Art Content creation 8. Overcoming Setbacks Jolley details his own journey from unemployed nightclub singer to globally recognized motivational speaker.He reinforces that a setback is a setup for a comeback—the core message of his earlier bestselling book. 9. It’s Never Too Late to Start He cites examples of: A secretary who retired with $8M by investing small amounts over time Invested $12,000 at age 65 and grew it to $890,000 by age 72 NOTABLE QUOTES FROM THE INTERVIEW On Time & Opportunity “I have only just a minute… but it’s up to me to use it.” On Mindset “Wealth starts in your mind.” On Rich vs. Wealthy “Regular folks work for their money. Wealthy people make their money work for them.” On Pride “My pride was killing my wealth.” On Growth & Learning “If you’re willing to learn, no one can stop you.” [On Setbacks “A setback is a setup for your greater comeback.” On Starting Late “When is the best time to plant a tree? Eighty years ago. The second-best time? Today.” #SHMS #STRAW #BESTSteve Harvey Morning Show Online: http://www.steveharveyfm.com/See omnystudio.com/listener for privacy information.
In this episode of Beyond Limits, Liv sits down with Jaclyn Shaw, best-selling author, spiritual mentor, speaker, and the voice behind God x Money.Jaclyn teaches God and money in a way that disrupts everything you thought you knew about both. Her conviction demands attention, her voice creates holy liberation, and when she speaks, women move.Together, Liv and Jaclyn explore what happens when we stop chasing money through performance and begin receiving it through truth, identity, and alignment. This conversation invites you to question old beliefs, expand what's possible, and see wealth through an entirely different lens.Inside this episode:✨ Why so many women unknowingly live from performance instead of truth
Pruning To Prosper - Clutter, Money, Meals and Mindset for the Catholic Mom
Opening Bible Verse Ephesians 2:10 IF YOU ARE A NEW LISTENER, WELCOME! BEGIN HERE: This year we are doing my group coaching course together via this podcast! It's free and it only gets better as the year progresses. In January we began with God at the center of our day and our home. We worked to build the habit of a morning prayer routine. I highly recommend the rosary. It's only about 20 minutes and you'll meditate on the whole life of Jesus. February is the month of decluttering. Saturday episodes have been added to focus on decluttering in the kitchen. Each month will have a different focus area and the Saturday episodes will help you focus on one small section of that room. In March we decluttered your wardrobe. In April we are moving into budgeting for food. Our Saturday episodes will still be about decluttering. Our declutter focus area for April is your bedroom. In May we dreamed big! June brings us to one of the most useful topics in my group coaching course…meal planning. Ah, the feel of knowing exactly what's for dinner is the most stress-free feeling in the world! Our declutter focus area for June is Hallways/Landings. July is a much anticipated month of money/budgeting. Our Saturday episodes (otherwise known as the declutter episodes) will focus on decluttering TOYS! Give this first episode of 2026 a listen to hear where to begin: 316. Your 2026 Life Overhaul Plan: Faith, Clutter, Debt, Diet and More! If you've never prayed a rosary or you want to see how you can incorporate it into active decluttering, here is the first episode of my rosary declutter series from last summer. 288. Summer Declutter Series Week Just getting started on your decluttering journey? Give this episode a listen before you begin: 322. Guidelines to Decluttering ***Are you so overwhelmed with clutter that you find yourself unable to make any decisions? Do you plan on decluttering only to find yourself standing in a room confused about where to start? Are you hoping motivation will strike and you'll get it all done in one weekend? If this sounds like you, let's work together. Book a one hour virtual coaching session via Zoom. Together we craft a decluttering plan and I walk you through the process. You'll complete much of the decluttering on your own time at your own pace. I just give you the roadmap and the accountability. Cost $77 per hour. Virtual Coaching Schedule Not sure what you need? No problem! Book a complimentary 15 minute clarity call. We'll meet via Zoom and see if working with me would benefit you. Email me at: tightshipmama@gmail.com to schedule a time. Looking for community of like-minded women? Join the private Facebook community here: Facebook Group Prefer to receive a weekly email with the monthly freebie like a group rosary, group declutter, or budget Q&As? Join my mailing list here: Monthly Newsletter For any other inquiries or guest appearances, please email me at: tightshipmama@gmail.com
There are only 2 numbers that define the speed of your wealth. Dive into the episode to get the goods. You'll discover why not all dollars are created equal. And the secret to financial freedom 10X faster than anyone else. Inside you'll find: The two numbers that define the speed of your wealth and why your income isn't one of them Why some dollars are worth nearly 200X more than others--and which ones are more important How to collapse your financial freedom timeline from 30 years to as little as 3 Why your portfolio, not your business revenue, is the real measure of your wealth And the danger of celebrating cash flow (what you're missing)
Dr. Jason Wersland is the inventor of the Theragun and the founder of Therabody, the global wellness company that transformed percussive therapy and recovery.After a serious motorcycle accident left him in extreme pain, Jason created the first Theragun prototype from a modified power tool and spent years developing the product while facing financial pressure, family doubt and failed business partnerships.In this episode, he explains how he found the right investor, protected the invention, built an entirely new product category and earned adoption from world-class athletes including Cristiano Ronaldo and Aaron Rodgers.The conversation explores invention, resilience, brand building, strategic partnerships and why consistency, persistence and delusion are often required to build something revolutionary.Hosted on Ausha. See ausha.co/privacy-policy for more information.
ARE YOU MISSING TAX BENEFITS WHEN YOU GIVE TO CHARITY? WATCH ON YOUTUBE Sandy Hornor | CEPS Managing Director, Wealth Management & Executive Manager Tessa Hall Media and Communications Specialist About This Episode Giving to charity is about more than choosing the organizations you want to support. The way you give can also affect your taxes and your overall financial plan. In this episode of Healthy, Wealthy & Wise, Tessa Hall speaks with Sandy Hornor about charitable giving tax strategies, including donor-advised funds, qualified charitable distributions (QCDs), and bunching charitable contributions. They explain how these strategies may help eligible individuals maximize tax benefits while supporting the causes that matter most. To learn more about tax-efficient financial planning services, visit our Tax Planning page. Read Full Description Americans donate hundreds of billions of dollars to charity each year. However, many people overlook opportunities to make those gifts more tax-efficient. Understanding how you give can be just as important as deciding where you give. In this episode of Healthy, Wealthy & Wise, Tessa Hall sits down with Sandy Hornor to discuss charitable giving tax strategies. Together, they explore ways individuals and families may maximize the impact of their donations while potentially reducing their tax burden. The conversation examines donor-advised funds and how they work. Sandy explains the flexibility they offer and why they can be an effective tool for long-term charitable giving. He also discusses qualified charitable distributions (QCDs), how they interact with required minimum distributions (RMDs), and why they may be an important strategy for charitably inclined IRA owners. Next, the episode introduces the concept of bunching charitable contributions. This strategy allows some donors to combine several years of planned giving into a single tax year. As a result, they may increase available tax deductions. Throughout the discussion, Sandy emphasizes the value of thoughtful planning. He also explains how customized investment strategies and professional guidance can help align charitable goals with a broader financial plan. Topics include: What a donor-advised fund is DIY versus advisor-managed donor-advised funds Giving appreciated securities Qualified charitable distributions (QCDs) Required minimum distributions (RMDs) Bunching charitable contributions Tax-efficient charitable giving Building a charitable legacy Whether you’re already giving to charity or looking for more tax-efficient ways to support the causes you care about, this episode provides practical insights into charitable giving strategies that may fit within your overall financial plan.
Send us Fan MailIn this episode of The Wealth Vibe Show, Vinki Loomba sits down with Aaron Marsh, Founder of Marsh Lending, to explore how experienced investors secure capital beyond traditional banks and why relationships can matter just as much as credit scores, income, and balance sheets.Aaron shares how relationship-driven lending, flexible financing, and thoughtful leverage can help investors preserve liquidity, structure stronger deals, and create more opportunities for long-term portfolio growth.This conversation offers a practical look at what lenders evaluate beyond the numbers, why the lowest interest rate is not always the best financing option, and how building trusted capital relationships before you need funding can become a meaningful competitive advantage.Key TakeawaysWhy access to capital depends on relationships, experience, and the complete story behind the dealHow private lending can provide flexible financing when traditional banks cannotWhy leverage, liquidity, and deal structure may matter more than securing the lowest interest rateWhat experienced lenders evaluate beyond credit scores and incomeHow building trust with capital partners before you need funding can create long-term advantagesEpisode Timestamps:00:00 – Introduction: Why relationships unlock capital06:33 – Why lending is about partnerships, not transactions12:53 – What lenders look for beyond the numbers17:09 – Using leverage to build long-term wealth23:51 – Financing strategies in today's market35:45 – Building relationships with capital partners38:49 – The future of lending and access to capital43:38 – Aaron's Wealth Vibe
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There are 4 types of wealth: time, financial, social and health. Spiritual wealth is important but it is part of the 4 types of wealth, not a separate category. So why do the wealthy focus on time more than the others and how do they do it sustainably and effectively. I'm going to share 4 steps that 85 of my millionaire clients over the years have done it so you can start copying it today.Love This? Leave a ReviewHelp more pros find us and just take 10 seconds: • Apple Podcasts: [https://shorturl.at/Jhlez] • Spotify: [https://shorturl.at/8IeVM] Read This BookStephen wrote What Do You Want? Choose For Yourself Or Someone Else Will to inspire ambitious people to get clarity on their personal and professional lives and then make it happen.Connect with Stephen Website: lifebuilder.co | LinkedIn: [linkedin.com/in/stephencourson] | YouTube: [youtube.com/@stephencourson] About Lifebuilder The Lifebuilder Podcast helps ambitious entrepreneurs and leaders gain clarity, eliminate distractions, and achieve their goals faster. Each episode gives practical strategies for personal growth, productivity, and building a meaningful life. If you want clear direction, better focus, and proven frameworks to win at life and work, this show gives you the tools to g...
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Hello and welcome to the Sunday Podcast, where, if you're not aware, Rich dives into topics associated with personal development and spirituality. Today's episode is an excerpt from Rich's forthcoming book that he is writing on the topic of Agape Love… which, fingers crossed, will be out early next year. The section you'll hear today talks about the purpose of life, and illustrates the concept with a parable that Rich calls "The Wealthy Father." As usual with Rich–it's clear, it's concise, it's easy to understand–and it's impactful.
1 Timothy 6:17-21 (ESV)Andrew, Isack, and Edwin discuss the meaning of storing up treasures in heaven.Read the written devo that goes along with this episode by clicking here. Let us know what you are learning or any questions you have. Email us at TextTalk@ChristiansMeetHere.org. Join the Facebook community and join the conversation by clicking here. We'd love to meet you. Be a guest among the Christians who meet on Livingston Avenue. Click here to find out more. Michael Eldridge sang all four parts of our theme song. Find more from him by clicking here. Thanks for talking about the text with us today.________________________________________________If the hyperlinks do not work, copy the following addresses and paste them into the URL bar of your web browser: Daily Written Devo: https://readthebiblemakedisciples.wordpress.com/?p=26216The Christians Who Meet on Livingston Avenue: http://www.christiansmeethere.org/Facebook Page: https://www.facebook.com/TalkAboutTheTextFacebook Group: https://www.facebook.com/groups/texttalkMichael Eldridge: https://acapeldridge.com/
Why? Because you are no longer hungry in any sense. You thus turn to meeting your needs for pleasure and comfort, becoming your own pet. But if you are a wild animal at heart, this transition is anything but easy. Join our men's coaching group! email info@bestlifebehavioralhealth.com to sign up and learn more: https://www.bestlifebehavioralhealth.com/mens-coaching-groupMy newest venture, including ALL BRAND NEW POSTS EVERY DAY: https://buymeacoffee.com/drpsychmom/postsTo get over 220 more episodes, most recently "Stop With The Solution Hunting"... subscribe here! https://creators.spotify.com/pod/show/drpsychmomshow/subscribe For my secret Facebook group, the "best money I've ever spent" according to numerous members: https://www.facebook.com/groups/drpsychmomFor coaching from DPM, visit https://www.drpsychmom.com/coaching/For therapy or coaching, contact us at info@bestlifebehavioralhealth.com or visit https://www.bestlifebehavioralhealth.com/
In this episode, I sit down with Sam Primm, a St. Louis investor, entrepreneur, and best-selling author of Own Your Freedom. Sam made a serious jump from a W-2 corporate job into real estate, and he did not play small. Over the last 12 years he has closed more than 2,000 deals and built a rental portfolio worth around $50 million, all without using his own money. What I appreciated most about this conversation is how candid Sam was. He walked me through the early days of buying one rental at a time on the side, the moment he realized he could keep scaling with other people's money, and the systemized way he finally left his job rather than jumping in blind. We also got real about the last couple of years, where higher interest rates and a tougher market forced him to lean into personal development and grind through a genuine mental test. We spent a good chunk of time on mentorship and mindset, because that is where Sam and I are cut from the same cloth. He makes the case for why even the best in the world hire coaches, why poor people look at the cost of something while wealthy people look at the return, and why the fear of failure quietly guarantees that people never succeed. He is also refreshingly blunt about the guru problem in this space and what separates people actually doing deals from those just selling courses. Toward the end, Sam shares what he is focused on now: repositioning a portfolio that got a little too heavy in multifamily during the 2021 and 2022 run-up, and re-honing in on simple single family rentals, which he believes are the best starting point for 90% of newer investors. If you have been on the fence about getting a coach, scared of debt, or afraid to fail, this one will light a fire under you. Key Talking Points of the Episode 00:00 Introduction and the three paydays philosophy 00:22 Meet Sam Primm: 2,000+ deals and a $50 million portfolio using none of his own money 01:51 Sam's path from an engineer's son to full-time investor 02:07 Reading Rich Dad Poor Dad and starting to invest on the side 04:12 The original goal of one rental a year for ten years 04:46 Seeing the power of scaling with other people's money and leaving the job 05:33 Whether Sam leaned on mentors and coaches early on 06:10 Merging with a local investor who taught him to build a real company 07:09 The mental game of going from solo operator to running a company 07:48 Why the last two or three years have been a mental grind 09:41 Why mentorship still matters at every stage 10:14 The Tom Brady example: the best in the world still hire coaches 10:55 Poor people look at cost, wealthy people look at return 11:46 A look inside the Apprentice program and In the Trenches Bootcamp 14:44 Context and perspective: a $10,000 dinner versus a $10,000 wealth tool 16:08 Sam's take on gurus who have never done a deal 17:08 Why coaches who stop doing deals lose touch with the market 18:47 What Sam is focused on today and repositioning the portfolio 19:38 The Branson hotel lesson and roughly $20,000 a month in losses 20:13 Why single family rentals are his calling card 22:24 Two closing nuggets: don't fear debt and expect failure 24:08 Why the first deal going sideways is the best thing that can happen Quotables "Nobody creates wealth with their own money, or they're already wealthy." "Poor people look at the cost of something. Wealthy people look at the return." "People avoid failure, and unknowingly they're avoiding success." Links: Sam Primm — Faster Freedom (his real estate education company) — Faster Freedom Sam Primm on Instagram — @samfasterfreedom — https://www.instagram.com/samfasterfreedom/ Sam Primm on YouTube — https://www.youtube.com/c/SamFasterFreedom 3 Paydays® Live https://3paydayslive.com/podcast Free Discovery Call https://smartrealestatecoachpodcast.com/discovery 3 Paydays® System Mastery Course - Use coupon code for 50% off https://smartrealestatecoach.com/qls Coupon code: pod Apprentice Program 3PaydaysApprentice.com/Podcast Masterclass https://smartrealestatecoach.com/masterspodcast 3 Paydays Books https://3paydaysbooks.com/podcast Partners https://smartrealestatecoach.com/podcastresources
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In this solo episode, Travis Chappell breaks down eye-opening stats from a five-year study on the daily habits that separate the wealthy from the poor. From credit score savvy to flossing and networking, he shares personal stories—like the time his truck's wheel fell off in Las Vegas—and actionable mindset shifts to level up your financial game. On this episode we talk about: The massive gap in credit score awareness (72% wealthy vs. 5% poor) and Travis's wild credit drop after maxing a business card Why the poor play the lottery 77% vs. just 6% of the wealthy—and how it traps you in a scarcity mindset Goal focus, flossing, fitness, and screen time stats that reveal how self-discipline builds wealth Networking (79% wealthy spend 5+ hours/month), the 80/20 rule, and rejecting "random luck" as your wealth plan The ultimate divider: 79% of wealthy take full responsibility for their finances vs. 18% of the poor Top 3 Takeaways 1. Know your credit score and how utilization/inquiries work—it unlocks better rates and leverage, even if Dave Ramsey disagrees. 2. Focus on one big goal, cut recreational screen time under 1 hour/day, and network relentlessly—small habits compound into wealth. 3. Own your financial situation 100%, regardless of fault; responsibility is where wealth creation truly begins. Notable Quotes "72% of the wealthy know their credit score versus 5% of the poor." "Your ability to create wealth for yourself will depend on your ability to take full responsibility for your situation." "The more shots on goal you take, the more likely it is that you're going to hit one in." Connect with Travis Chappell: LinkedIn: https://www.linkedin.com/in/travischappell Twitter/X: https://twitter.com/traviscchappell Instagram: https://www.instagram.com/travischappell Other: https://www.travischappell.com A Word from Our Sponsors:- Visit DrinkAG1.com/TMM to get a free AG1 Travel Case with 7 free AG1Travel Packs in your Welcome Kit with your first AG1 subscription order while supplieslast. - Go to Leesa.com for 25% OFF select mattresses (through July 26, 2026) PLUS get an extra $50 off with promo code TMM, exclusive for my listeners - To learn more about Mode Mobile and its investor community, go to https://invest.modemobile.com/travismakesmoney -Travis Makes Money is made possible by High Level – the All-In-One Sales & Marketing Platform built for agencies, by an agency.Capture leads, nurture them, and close more deals—all from one powerful platform.Get an extended free trial at gohighlevel.com/travis Learn more about your ad choices. Visit megaphone.fm/adchoices