No fluff personal finance education from real personal finance experiences.(Disclaimer: I am not a financial advisor. My podcast and YouTube channel are for educational purposes only and merely cite my own personal opinions. In order to make the best financial decision that suits your own needs, you must conduct your own research and seek the advice of a licensed financial advisor if necessary.)

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✔️Summary: In this episode, I interviewed Parker Pursell, CEO of eQRP Company. Parker, a graduate from Auburn University in 2013, started his professional journey in leadership and hospitality at Chick-fil-A, where he developed his core leadership philosophy: winning hearts before minds to ensure effective communication. His time at Chick-fil-A, combined with his family&#39;s business in hospitality at Pursell Farms, ingrained in him a deep sense of stewardship and customer service. The COVID-19 pandemic in 2020 prompted him to leave the security of employment to explore entrepreneurial ventures, eventually leading him to a role at eQRP. eQRP (Enhanced Qualified Retirement Plan) leverages self-directed retirement systems to empower individuals to manage their financial future actively. Parker&#39;s role, initially undefined, grew to encompass leveraging his hospitality experience to enhance customer service within the financial sector. His approach at eQRP focuses on educating clients to make informed financial decisions themselves, reflecting his belief in stewardship—managing resources effectively for the benefit of others. Parker&#39;s story is marked by a transition from hands-on roles in the food and hospitality industry to a leadership position in finance, guided by the principle of adding value and making strategic career decisions based on personal happiness and effectiveness. He emphasizes the importance of aligning one&#39;s work with personal joy and ethics, noting the stark contrast in the finance industry where greed often supersedes ethical stewardship, as seen in recent financial scandals. Parker&#39;s philosophy extends beyond business, viewing financial empowerment as part of a broader spiritual and ethical journey. He advocates for proactive, informed engagement with one’s finances, leveraging opportunities like self-directed retirement plans to invest in meaningful and personally resonant assets. This approach not only aims to secure financial independence but also aligns financial actions with personal values and broader life goals. ⭐️About Parker: Parker Pursell, serving as President &amp; CEO of eQRP, is dedicated to enhancing financial independence for professionals and investors. Grounded in the principle of Steward Leadership, Parker is committed to fostering personal and financial growth. His varied experiences at Chick-Fil-A and Pursell Farms prepared him well, but it was during the uncertainty of the COVID-19 pandemic that Parker found his path in the financial sector by joining eQRP. Now, three years into his role, Parker continues to positively influence the lives of many each year. His focus on promoting financial freedom reflects his deep commitment to helping others achieve greater financial control and security. 💜 Where to find Parker:► Website: https://eqrp.com/► Linkedin: https://www.linkedin.com/in/parker-pursell/► X: https://twitter.com/parker_pursell ☞ Parker’s Book Recommendation:► &#34;Rich Dad Poor Dad&#34; by Robert Kiyosaki: https://amzn.to/3QkZRaz► &#34;Extreme Ownership&#34; by Jocko Willink: https://amzn.to/3UBdox1

Episode 50: Stewardship and Empowerment - Interview with Parker Pursell

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✔️Summary: In this interview, Byron shares his journey to founding his company CFOAF, which specializes in tax strategy and fractional CFO services. He explains his entrepreneurial background, driven by his realization that he was not suited to being an employee, leading him to start and run multiple businesses, some of which succeeded while others failed. His motivation to understand accounting and tax strategy emerged from his experiences with banks and the IRS, which influenced his business operations.Byron&#39;s company offers comprehensive CPA services, with a strong focus on tax strategy and fractional CFO roles, aimed at optimizing tax liabilities while demonstrating profitability to banks. He delves into the complexities of tax planning, illustrating with real estate investment strategies that leverage cost segregation studies and real estate professional status to maximize tax benefits while maintaining high profitability on paper.The discussion also covers the benefits of a fractional CFO service, particularly for growing businesses that cannot yet afford a full-time CFO. Byron emphasizes the strategic advisory role of a CFO, which helps companies navigate growth phases efficiently without prematurely expanding their overhead costs.Byron also touches on broader industry topics like the impact of emerging technologies such as cryptocurrencies and the metaverse, explaining how they influence the state of the world. He highlights the importance of proactive involvement in shaping tax regulations, especially in rapidly evolving fields like cryptocurrency.Overall, the interview provides insights into strategic financial management and the advantages of leveraging specialized financial services to support business growth and navigate complex tax landscapes effectively.⭐️About Byron:Byron Wolfe is the founder of CFOAF, a consultancy offering fractional CFO services and business strategies with a focus on small businesses generating less than $38 million in annual revenue. He is a certified public accountant (CPA) with expertise in cryptocurrency, NFTs, and metaverse-related tax strategies.Currently serving as the CFO of Black Tie Moving, a company recognized in the INC 5000 list, Byron brings over 14 years of experience in leading financial reporting, accounting, treasury, and human resources operations. His career has spanned roles as CEO and COO across various industries, primarily focusing on financial management. He has provided consultancy for a range of businesses from startups to mid-cap companies, demonstrating a strong ability to motivate, train, and coach teams.Byron thrives on tackling new challenges, particularly in developing financial models and strategies aimed at achieving rapid and sustainable business growth.💜 Where to find Byron:► Website: https://www.cfoaf.com/► Linkedin: <a href="https://www.linkedin.com/in/byron-a-wolfe-cpa/" rel="nofollow">https://www.linkedin.com/in/byron-a-wolfe-cpa/</a>► Facebook: https://www.facebook.com/cfoaf☞ Byron’s Book Recommendation:► &#34;The ONE Thing” by Gary Keller and Jay Papasan: https://amzn.to/3Q2XmcN► “Buy Back Your Time” by Dan Marte: https://amzn.to/3TYytjv

Episode 49 - Your Fractional CFO: Interview with Byron Wolfe

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✔️Summary: In this episode, Cary Prejean, CEO of Strategic Business Advisors (fka CFO Consulting LLC), shares his journey from working in accounting to founding his own company. He observed a lack of financial literacy among small business owners, hindering their ability to interpret financial statements and make informed decisions. This insight prompted him to educate and assist small businesses, leading to the creation of his company. Cary&#39;s solution was to develop customizable financial dashboards on Excel, providing real-time actionable data for businesses. These dashboards enable owners to track cash flow, receivables, payables, and other vital metrics, empowering them to manage their businesses effectively. Additionally, Cary helps owners transition from being hands-on to adopting a strategic, hands-off approach by empowering their teams and clarifying expectations. This transition ultimately frees up owners to focus on strategic vision and revenue generation. Cary discusses the challenges small business owners face in relinquishing control and implementing effective processes. He emphasizes the importance of trust between employers and employees, highlighting that employees need to feel cared for and valued in order to perform at their best. Cary draws parallels between businesses and military operations, emphasizing the need for consistent processes and training to achieve success. Through his expertise and tailored solutions, Cary enables small business owners to achieve financial clarity, peace of mind, and improved profitability. ⭐️About Cary: Cary Prejean, a seasoned Controller and CFO, is dedicated to empowering business owners through the Well-Oiled Machine process. Recognizing the frustrations of stagnant businesses, Cary offers a transformative four-month course to streamline operations and optimize profitability. By replacing outdated accounting models with practical strategies, Cary equips entrepreneurs with customized procedures and intuitive dashboard reporting systems. This enables owners to efficiently manage their enterprises with minimal time investment, fostering growth and freedom. Beyond immediate gains, Cary assists in long-term strategic planning to ensure sustained success. By proactively shaping their business trajectory, owners can navigate challenges and seize opportunities. 💜 Where to find Cary: ► Website: strategicbusinessadvisors.org► Linkedin: https://www.linkedin.com/in/caryprejean/ ☞ Cary’s Book Recommendation: ► &#34;The E-Myth Revisited” by Michael E. Gerber: https://amzn.to/4azSfsh► “The Science of Dream Teams” by Mike Zani: https://amzn.to/4czMZGW► “Traction” by Gino Wickman: https://amzn.to/4agNvIk► “How to Be a Great Boss” by Gino Wickman and René Boer: https://amzn.to/4agNvIk

Episode 48 - Systemize Your Business: Interview with Cary Prejean

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✔️Summary: I normally do not interview traders but I have to say - Anmol’s track record and his approach to investing are very impressive. In the beginning of the interview, Anmol Singh discusses his philosophy and approach to trading, emphasizing systematic decision-making based on technical analysis. Anmol advocates for a balanced approach, incorporating both short-term trading for income and long-term investing for wealth-building. He highlights the importance of aligning trading strategies with individual time commitments, personality types, and capital. Anmol also discusses the differences between fundamental and technical analyses, emphasizing the importance of aligning trading strategies with individual preferences. Anmol also shares insights into selecting companies to trade, highlighting specific patterns and strategies based on chart analysis. He simplifies fundamental analysis to two key questions: whether a company will be more relevant in the next five years and whether people will continue to use its products or services. Anmol stresses the importance of continuous learning and personal development, recommending workshops, seminars, and retreats as valuable opportunities for growth. Regarding partnerships, Anmol advises taking time to get to know potential partners, setting clear boundaries, and ensuring complementary skill sets. He shares his definition of true success as achieving harmony in all aspects of life and being content with one&#39;s progress. ⭐️About Anmol: The stock market is an emotional rollercoaster. The difference between profit and loss comes down to your understanding of how to make logical and fast decisions based on constantly changing data. This is where Anmol Singh comes in. He was born in Delhi, India and grew up as a patient and persistent individual. After completing his high school education, he went to Brunel University London with the strong determination to become something great. He started trading in his dorm and saved enough money to legally start multiple franchises and move to America. At the young age of 22, Anmol Singh was able to establish himself as a successful Trader and has been featured in major media outlets including Business Insider, Forbes, and International Business Times. Today, he and his team at Live Traders show people how to execute trades, review different scenarios, and most importantly, how to control your emotions when high stakes are on the line. 💜 Where to find Anmol:► Website: www.Livetraders.com► X: https://twitter.com/DeltaNinety► Facebook: https://www.facebook.com/anmolsc► Instagram: https://www.instagram.com/deltaninety/► Linkedin: https://www.linkedin.com/in/anmolsc/► Youtube: https://www.youtube.com/@Live.Traders ☞ Anmol’s Book Recommendation:► &#34;Mindset&#34; by Carol Dweck: https://amzn.to/3wX8T6D► “The Three Laws of Performance” by Steve Zaffron and Dave Logan: https://amzn.to/495q0Ri► “Prepping For Success” by Singh Anmol: https://amzn.to/4ae3aI6

Episode 47 - Prepping for Success: Interview with Anmol Singh

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✔️Summary: In this episode, I interviewed Mark Murphy, CEO at Northeast Private Client Group. Mark discusses his career journey in financial planning and wealth management, emphasizing the importance of serving others and creating value. He stresses the significance of focusing on passion, expertise, and serving a purpose. Mark advocates for a &#34;who not how&#34; approach, prioritizing collaboration and surrounding oneself with smart, honest individuals. He introduces the concept of &#34;paychecks versus play checks,&#34; urging for a balance between earning income and investing in assets that provide financial freedom. Mark also encourages continuous learning and getting paid for one&#39;s knowledge rather than just their actions. Mark then discusses three main ways of creating wealth: investing in one&#39;s own business, investing in real estate, and financing deals. He contrasts these methods with traditional investment vehicles like stocks and emphasizes the importance of active involvement and leveraging other people&#39;s expertise and resources. Mark also touches on the value of problem-solving mindset and the integration of harmony, health, wealth, purpose, and love in achieving a successful life. He recommends books by Malcolm Gladwell and highlights the importance of feedback and coaching in personal and professional development. ⭐️About Mark: Mark Murphy is an accomplished CEO, author, speaker, motivator, and podcast host, who is transforming the financial planning and wealth management industry with his innovative and forward-thinking approach. As the Chief Executive Officer of Northeast Private Client Group, a national financial planning and wealth management firm, Mr. Murphy is a highly sought-after key business strategist and critical thinker. He is passionate about empowering entrepreneurs to achieve multigenerational wealth by providing personalized strategies that focus on emotional fitness, wealth accumulation, and a plan that can work under all circumstances. Mr. Murphy&#39;s expertise in strategic planning and financial engineering has benefited a diverse range of clients, including closely held businesses, mid-size companies, celebrities, athletes, hedge fund managers, doctors, dentists, and other high net worth individuals. His unwavering commitment to delivering a &#34;wow&#34; experience has earned him a reputation as a trusted expert in the industry. 💜 Where to find Mark:► Website: https://markbmurphy.com/► Facebook: https://www.facebook.com/mark.murphy.58323 / https://www.facebook.com/NortheastPrivateClient/►Instagram - https://www.instagram.com/mark_b_murphy►LinkedIn - https://www.linkedin.com/in/mark-b-murphy-813b105 / https://www.linkedin.com/company/northeast-private-client-group ☞ Mark’s Book Recommendation:► “Outliers” by Malcolm Gladwell: https://amzn.to/3wLI3y7► “Freakonomics Revised and Expanded Edition” by Steven D. Levitt and Stephen J Dubner: https://amzn.to/3SZW1UD► “The Ultimate Investment” by Mark B. Murphy: https://amzn.to/3UUb2Km

Episode 46 - Who Not How: Interview with Mark Murphy

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✔️Summary: In this episode, I interviewed Miriam Castilla, founder of Magnetic Money®. Miriam starts the discussion with the benefits of yoga in her life, emphasizing how it helps her maintain clarity of mind and deal with stress, which is crucial for her business endeavors. She delves into the concept of wealth mindset versus mere income, highlighting how wealth provides freedom and options in contrast to solely focusing on earning money. Miriam explains her approach to helping clients build wealth while managing their finances effectively through group coaching programs. She incorporates practices like hypnotherapy to address subconscious blocks that hinder financial success, aiming to empower clients to shift their mindset and behaviors. Miriam also shares her journey into hypnotherapy and the importance of understanding subconscious patterns in achieving personal and financial goals. Miriam primarily serves women business owners through group coaching rather than one-on-one sessions to maximize her impact and ensure clients have the necessary tools for long-term success. The group sessions for the &#34;Magnetic Money&#34; program are conducted online and consist of pre-recorded modules, live weekly calls, Q&amp;A sessions, and one-on-one coaching with an accountability coach. The program focuses on energetic alignment, mindset, unconscious beliefs, and practical money management. It helps participants overcome money shame by shifting their focus towards abundance and celebrating their current financial situation. ⭐️About Miriam: With a background in finance, hypnotherapy, and mindset coaching, Miriam Castilla helps people transform their relationship with money, gain money confidence, and achieve their goals. It&#39;s about making money fun and easy - by setting up a money system that only takes 5 minutes a week and changing the way you think and feel about money. Miriam Castilla is the founder of Magnetic Money® and creator of the Magnetic Money® system, helping women business owners become more magnetic and stop worrying about money. As an international speaker and bestselling author, Miriam Castilla is also available for corporate training, workshops, and consulting. Her personal journey has seen her go from broke, single mum to award-winning business owner. Miriam Castilla understands what it feels like to stress about money - even when you have it! And she knows what it takes to transform both your mindset and your finances so you never worry about money again and feel abundant inside and out. Contact Miriam Castilla via email (miriam@miriamcastilla.com) and find out how she can help you and/or your team transform your finances and your mindset. 💜 Where to find Miriam: ► Website: https://miriamcastilla.com/► LinkedIn: https://www.linkedin.com/in/miriamcastilla/ ☞ Miriam’s Book Recommendation: ► &#34;The (5Min) Magnetic Money Management System&#34; by Miriam Castilla: https://amzn.to/3wmwxsW► &#34;The Surrender Experiment&#34; by Michael Singer: https://amzn.to/48nTucG► &#34;The Power of Now&#34; by Eckhart Tolle: https://amzn.to/3SIdOiX

Episode 45 - Manifesting Abundance: Interview with Miriam Castilla

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✔️Summary: In this episode, I interviewed Scott De Long, a Ph.D. in education with a successful entrepreneurial background, who discusses his academic, business and life journey. Initially motivated to prove to his son that returning to school was feasible, he enjoyed the experience and pursued an Executive MBA at UC Berkeley. Later, he joined a leadership program at Chapman University, gaining new insights surrounded by diverse perspectives. Scott completed his doctorate at age 60 while running a telecommunications company. Scott recounts experiences in various ventures, from a pool cleaning service to a partnership in the payphone business, highlighting his entrepreneurial spirit. Scott discusses the unique stresses of entrepreneurship, such as making payroll and balancing customer and employee needs. He stresses the significance of home support for entrepreneurs, especially during the startup phase. Reflecting on the pandemic’s impact, Scott notes a shifting perception towards flexibility and work-life balance. The conversation touches on his current role in executive coaching and team-building, emphasizing the value of purpose and fulfillment in work. Scott also shares insights into the companies he typically assists, ranging from 50 to 250 employees, and the challenges faced by CEOs in letting go and fostering effective communication within their teams. Scott shares insights on developing client relationships through word of mouth, emphasizing his ability to mitigate conflict and find positive outcomes. He discusses learning conflict resolution through personal experiences rather than formal education. Scott introduces the &#34;Circle of Trust,&#34; a four-step process (respect, listen to understand, share from experience, deliver on the promise) to build trust faster and deeper.He highlights the importance of vulnerability, humility, and empathy in leadership, drawing a distinction between seeking power and desiring influence. ⭐️About Scott: Scott De Long is an author, speaker, educator, and entrepreneur. A lifelong learner with a relentless quest for knowledge, Scott completed an Executive Leadership program at the prestigious Haas School of Business at UC Berkeley at the age of 45. This experience led him to Chapman University where he earned a Master’s Degree in Leadership Development. Recently, he earned his Doctorate, at the age of 60, also from Chapman University, in Education with an emphasis in Leadership Studies from the Donna Ford Attallah College of Educational Studies. Professionally Scott grew up as an entrepreneur, successfully creating, and then building three previous companies. During this time he recognized that the problems facing entrepreneurial companies experience when they outgrew the ability of the founder to have their hands in everything. His experience in his own companies led to the concepts that eventually became Lead2Goals. Scott has been facilitating retreats for the past nine years for organizations that range from industry associations to business groups, and non-profits to corporations. Scott’s strengths in leading small group communication allow for him to disarm the greatest of egos, and set up an environment of respect, which in turn leads to the building of trust, and better relationships among team members. His own aspirational goals include greater Humility, Empathy, and Vulnerability. 💜 Where to find Scott: ► Website: https://lead2goals.com► LinkedIn: https://www.linkedin.com/in/scottdelongphd/► YouTube: https://www.youtube.com/channel/UCz1_pZvtXMnvV7a2TyT84FQ ☞ Scott’s Book Recommendation: ► “Crucial Conversations” by Joseph Grenny, Kerry Patterson, Ron McMillan, Al Switzler, Emily Gregory: https://amzn.to/3w5YWDG► “Humble Inquiry” by Edgar H. Schein and Peter A. Schein: https://amzn.to/3ujkWdz► “I Thought I Was a Leader” by by Scott De Long, Sarah Mirand: https://amzn.to/3SGdPFk

Episode 44 - I Thought I Was a Leader: Interview with Scott De Long

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✔️Summary: In this episode, I interviewed Tony Steuer, who discusses his financial education method, the Get Ready Method. He emphasizes the importance of educating yourself about financial products, asking questions, and being curious. He also talks about the different types of insurance products and how to choose the right one for your needs. Tony discusses the importance of financial literacy and how his program helps people build it. Specifically, his program helps people build financial literacy by teaching them one simple action item each week. This makes it easy to build a habit of financial planning and management. He also talks about his book, which was awarded the Excellence in Financial Literacy Education Award. Tony also discusses his role as an advisor at PaperWork and Dingo Technologies. He expresses excitement about technology expanding the scope of education tools, particularly in the field of financial education. Tony believes that technology can leverage existing knowledge to assist individuals in real-time situations, especially in financial matters. The conversation touches on various topics, including Certified Financial Planners (CFPs), their role, and the importance of finding an advisor who aligns with one&#39;s values and background. Tony also emphasizes the significance of diversity in the financial advisory industry to cater to different cultural perspectives. The discussion delves into the challenges of financial literacy education in schools and the societal taboo around discussing money. Tony advocates for open communication about money within families to instill good financial habits in children. The conversation concludes with Tony sharing his long-term goal of helping people change their perspectives on money and avoid financial pitfalls through education and awareness. ⭐️About Tony: Tony Steuer is dedicated to changing the way people think about money, empowering them to make better financial decisions. His goal is to collaborate with like-minded professionals, including financial advisors, certified financial planners, insurance agents, registered representatives, wealth managers, financial coaches, financial therapists, accountants, CPAs, real estate professionals, bankers, and others who share this mission. Tony provides knowledge and resources to help individuals put financial literacy into action. Connect with Tony Steuer if:👉 You&#39;re interested in collaborating on ways to change the way we think about money.👉 You&#39;re a media professional interested in an experienced personal finance and life insurance resource.👉 You&#39;re interested in an experienced podcast guest.👉 You&#39;re interested in exploring opportunities to work together to increase financial wellness. Tony Steuer is an internationally recognized financial wellness advocate, award-winning author, and top-ranked podcaster. He serves as a Strategic Advisor at Insurance Nerds, Paperwork, and Dingo Technologies. Tony is proud to be a member of ThinkAdvisor’s LUMINARIES Class of 2022 Finalist in Thought Leadership &amp; Education and has also served as a long-term member of The California Department of Insurance Curriculum Board. He is regularly featured in the media, including ABC’s Seven on Your Side, Cheddar TV, New York Times, the Washington Post, Fast Company, Chicago Tribune, CNBC, and Fox Business News. Tony Steuer is also a frequent guest on podcasts, contributing to the ongoing conversation about changing the way we think about money. 💜 Where to find Tony:► Website: tonysteuer.com► Facebook: https://www.linkedin.com/in/tonysteuer/► Instagram: https://www.instagram.com/tonysteuerauthor/ ☞ Tony’s Book Recommendation:► “Smart Brevity” by Jim VandeHei, Mike Allen, Roy Schwartz:https://amzn.to/48VvXQM► “The Intelligent Investor” by Benjamin Graham: https://amzn.to/48ZZhFV

Episode 43 - Change How We Think About Money: Interview with Tony Steuer

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✔️Summary: In this episode, I interviewed Nate Armstrong, a multifamily real estate investor, who discussed his background and experiences. He talked about his entry into real estate after working at Target, starting with small rental properties. Nate described a challenging development project that led to financial strain, bankruptcy, and eventual success. He advised against large projects initially, emphasizing the importance of learning from mistakes. Currently, Nate focuses on buying multifamily properties in Kentucky and Wisconsin, preferring off-market deals with favorable mortgage rates. Despite setbacks, he successfully built a portfolio through small partnerships. Nate discussed strategies for finding deals, targeting sellers with low mortgage rates, and using social media, especially Facebook groups, to connect with investors and sellers. He also shared insights into attracting passive investors through lead magnets and value-add content. Nate discussed crucial aspects of his real estate business, emphasizing the significance of due diligence in property acquisition. Post-acquisition, Nate highlighted effective communication during ownership transitions and the importance of timely rent collections. The evaluation of expiring leases and the implementation of property management strategies were also part of the conversation. Nate has also been very experienced with syndication, highlighting a $12 million deal with 261 units. Nate’s future plans included potential retirement from the real estate business and exploring blockchain technology for secure and efficient real estate investments through digital currency. ⭐️About Nate: Nate Armstrong, the founder of HomeInvest, is a seasoned professional in Real Estate Investing. HomeInvest.com has earned several accolades, including the prestigious Inc 500 Award. Additionally, their marketing brand, SocialMediaBlueprint.com, stands out with the highest rating in its niche on Trust Pilot, boasting an impressive 4.9 out of 5 stars. What sets Nate apart is his commitment to making a positive impact beyond real estate. He is the driving force behind &#34;Home Invest Kids, Inc.,&#34; a non-profit initiative addressing the challenges faced by children today, such as gender confusion, racism, and growing up in fatherless households. 💜 Where to find Nate:► Website: natepodcast.com► Facebook: https://www.facebook.com/nate.armstrong/► Instagram: @RealNateArmstrong ☞ Nate’s Book Recommendation:► &#34;The Talent Code&#34; by by Daniel Coyle, John Farrell, et al.: https://amzn.to/48D2L1z

Episode 42 - From Bankruptcy to 2 Commas: Interview with Nate Armstrong

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✔️Summary: In this episode, I interviewed Shari, a virtual financial advisor, who talks about her background, experience, and approach in helping clients manage finances, especially focusing on millennials and those approaching retirement. Shari became a virtual advisor during the pandemic, finding that remote interactions were beneficial for clients’ comfort discussing finances. She highlights common financial challenges faced by clients, including issues with managing inheritance, taxes, retirement transitions, and unexpected windfalls. Shari&#39;s financial planning program addresses essential financial aspects over a three-month period, aiding clients in understanding their financial situation, budgets, insurance, and investment strategies. Her aim is to empower clients, particularly women, who are often underserved in the financial industry, to become more involved and comfortable with their finances. Regarding marketing strategies, Shari focuses on search engine optimization powered by blogging and maintaining an online presence through her website, podcast (&#34;Money Chic&#34;), and social media platforms like X, Facebook and Instagram. She emphasizes the importance of finding a financial advisor based on trust, compatibility, and expertise, encouraging individuals not to wait until they&#39;re experts to seek financial guidance. Shari&#39;s fulfilling experiences as an advisor revolve around helping clients alleviate financial worries and improve communication about money within relationships, and witnessing the positive impact of financial planning on clients&#39; lives. ⭐️About Shari: Shari’s mission revolves around simplifying financial matters for women and young families. Shari&#39;s firm, Greenway Wealth Advisory, is dedicated to delivering exceptional service and is deeply committed to guiding clients through advice-based relationships. Her approach involves understanding clients&#39; goals, risk thresholds, and concerns to make informed financial decisions tailored to their needs. The primary focus is on collaborating with families, offering retirement planning, education funding insights, and guidance on eldercare. Additionally, she provides specialized attention to women who may not have received adequate financial support and millennials embarking on their wealth accumulation journey. Shari extends her help by addressing several crucial questions:<ul><li>Do you have a plan in place to fund life’s journeys? Are you juggling career and family and don’t know where to start with your finances?</li><li>Are you comfortable with your financial future? Do you need to catch up on retirement savings due to time off work to care for your family?</li><li>Do you know where to start building your wealth? Is financial education one of your goals?</li></ul> For those interested in a Complimentary Review Session to discuss their financial goals, Shari can be contacted via email at shari@greenwaywealthadvisory.com or by phone at 833-833-1903. 💜 Where to find Shari:► Website: https://www.greenwaywealthadvisory.com/► X: https://twitter.com/wealthgreenway► Facebook: https://www.facebook.com/greenwaywealthadvisory/► Instagram: @MillennialMoneyAdvisor ☞ Shari’s Book Recommendation:► &#34;I Will Teach You to Be Rich&#34; by Ramit Sethi: https://amzn.to/3RUeBx9►&#34;The Millennial Roadmap to a Rich Life&#34; by by Jeremy Kho: https://amzn.to/3RUeN0j

Episode 41 - Millennial Money Advisor: Interview with Shari Rash

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✔️Summary: In this episode, I interviewed Denise Thomas about navigating the complexities of higher education financing. Denise shares her personal journey of overcoming financial obstacles and ensuring her children could attend college without incurring debt. She emphasizes the societal expectations around college education, especially for families with college-educated parents or immigrant backgrounds, and challenges the notion that a college degree is mandatory for success. Denise reflects on her upbringing, unaware of her family&#39;s financial struggles, and the pivotal moment when she realized she had to fund her own college education. Despite this, she managed to graduate with minimal debt, thanks to a Pell Grant and working multiple jobs. The conversation shifts to her approach towards her children&#39;s education. Faced with financial crises, including a layoff and bankruptcy, Denise and her family had to make significant sacrifices. This adversity led her to extensively research scholarships and college funding strategies. She discovered commonalities among students who graduated debt-free and applied these insights to her children&#39;s education, resulting in them winning numerous scholarships. Denise&#39;s method, detailed in her course &#34;Cracking the Code to Free College,&#34; focuses on early preparation, developing a personal brand, and strategic activities aligning with college requirements. She emphasizes the importance of storytelling and marketing in the college application process. Additionally, Denise highlights her dedication to supporting military families, offering them access to her course at a reduced rate. Her broader mission is to change the national statistics on college debt by educating families on smarter college choices and financial planning. ⭐️About Denise: Sought after inspiring speaker and coach to parents of college-bound teens, Denise&#39;s goal is to inspire, educate, and equip parents who take an active role in supporting their children to live a life of financial freedom. Her mission is to FLIP the student debt statistic in the U.S. Denise is a 20-year homeschool veteran having homeschooled her two children from Pre-k through high school. They attended their first-choice college on 17 scholarships exceeding $199,000, including the National Merit Scholarship, for 4 years of college debt-free with cash left over! She and her husband have moved more than 15 times during their 34-year marriage and spent 5 years full-time RV-ing across the US and traveling abroad after sending their youngest off to college. (We sold the house and his bed right out from under him...How&#39;s THAT for &#39;your room is no longer available?!&#39;) With more than 7000 hours of research, Denise created a plan that led to an application package that had colleges calling begging her kids to come to their school! In addition, by completing the strategy, she also had the winning application for one of the largest scholarships in the country. Both of her homeschooled kids won the scholarship. 💜 Where to find Denise:► Get Ahead of the Class: https://www.getaheadoftheclass.com/► Facebook: https://www.facebook.com/GetAheadOfTheClass/ ☞ Denise’s Book Recommendation:► The Total Money Makeover Workbook by Dave Ramsey: https://amzn.to/4a9d52d► How to Go to College Debt Free by Denise Thomas: https://amzn.to/48bCdUa

Episode 40 - How to Go to College Debt Free: Interview with Denise Thomas

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✔️Summary: In this episode, I interviewed Maja Križan, a finance teacher, who recounted her entry into financial education, spurred by the 2008 economic crisis. This experience, which involved significant financial loss and a diminished trust in financial advisors, led her to educate herself and others on effective money management and crisis preparedness.Maja highlighted the necessity of distinguishing wants from needs, the importance of effective budgeting, and the value of investing. As a working mother with a limited income, she learned the importance of prioritizing long-term financial goals over short-term desires. Her financial teachings are centered on simplicity and focus on fundamental investment strategies, particularly in index funds like S&amp;P 500 and NASDAQ. One of Maja&#39;s key messages is the importance of developing a habit of saving, regardless of the amount, to foster a wealth-building mindset. She differentiates trading in volatile markets like cryptocurrencies from more stable long-term investment strategies. Despite not being a financial specialist by training, Maja&#39;s background in entrepreneurship and marketing aids her in demystifying complex financial concepts for her clients. She has successfully guided various individuals, including athletes, through their financial journeys and also imparts financial literacy lessons to her children. The conversation with Maja covered a range of topics including budgeting, understanding and managing expenses, the criticality of early investing, and managing debts. She also shared her thoughts on the evolving financial world, her perspectives on cryptocurrencies and gold, and the vital role of financial education for younger generations. Maja concluded by expressing her aim to assist individuals in enhancing their financial well-being and offered a free strategy session to those interested in learning more. ⭐️About Maja:Raised in Slovenia, Maja Križan grew up with entrepreneurial parents, inspiring her to become her own boss. Despite starting with traditional jobs post-university, Maja&#39;s goal wasn&#39;t to inherit the family business but to forge her own path. She ventured into diverse businesses, from importing Ayurvedic cosmetics to real estate and Amazon sales. However, her true success began with mastering money management and mindset. Also an Iyengar yoga practitioner, Maja balances work, self-care, and family as a mother of three. Today, she empowers women to achieve financial freedom through effective money management and investing. Outside work, she enjoys traveling and creating memorable experiences with her family and friends. Maja&#39;s journey exemplifies the transformation from overwhelm to financial independence, a path she believes is attainable for all women. 💜 Where to find Maja:► Start a conversation with Maja: https://calendly.com/maja-krizan/45min ☞ Maja&#39;s Book Recommendation:► Rich Dad Poor Dad: What the Rich Teach Their Kids About Money That the Poor and Middle Class Do Not! by Robert T. Kiyosaki: https://amzn.to/3SV0iuh

Episode 39 - Financial Education Made Simple: Interview with Maja Križan

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✔️Summary: In this episode, I interviewed Sameera (Sam) Singh, a money mindset coach who started in this field due to personal financial struggles. She pursued multiple coaching certifications and developed her own methods and money personalities, which she plans to detail in an upcoming book. She defines &#34;money mindset&#34; as a combination of beliefs, feelings, and actions regarding money, emphasizing the importance of managing finances effectively. Sam addresses common limiting beliefs, particularly among women, such as hard work being necessary for wealth, fears of becoming a bad person with wealth, scarcity, and self-worth issues. She helps clients by identifying their &#34;money personality,&#34; unraveling limiting beliefs, and encouraging practical action for financial management. A success story she shares involves a client who overcame a deep-rooted sense of unworthiness, leading to significant business growth. Sam&#39;s method involves writing exercises and evidence journals to confront and transform beliefs and emotions related to money. She also guides clients in creating business strategies aligned with their personalities. Sam&#39;s advice for financial success includes understanding one&#39;s money personality, overcoming limiting beliefs, managing energy, taking inspired action, and efficient financial management. She recommends books like &#34;Lucky Bitch&#34; by Denise Duffield-Thomas and &#34;Think and Grow Rich&#34; by Napoleon Hill for further reading on money mindset. ⭐️About Sam: Sameera (Sam) Singh is a Money Coach, Actor, and Author based in London. Her mission is to empower business owners to transform their relationship with money and achieve breakthroughs to six figures. Sam’s expertise lies in helping business owners construct an authentic six-figure business that is aligned with their money personality and values, enabling them to create freedom in their lives and make a unique impact on the world.Sam is the author of &#39;Money Mastery,&#39; a forthcoming book on building a business in harmony with one&#39;s financial identity. 💜 Where to find Sam: ► Find what money blocks are stopping you from increasing your income and reaching your full potential by taking this free assessment: https://sameera-6cctftbt.scoreapp.com► Facebook Group: https://m.facebook.com/groups/907453686610721t► Instagram: @in.her.successful.shoes► Email: sameera@sameerasinghcoach.com

Episode 38 - In Her Successful Shoes: Interview with Sameera Singh

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✔️Summary: In this interview, Dalene Higgins, the founder of Elevate Finances, discusses her journey from a city job with a pension plan to early retirement and her transition into the world of financial coaching. Dalene shares her motivation for early retirement and the importance of financial planning, especially for Gen Xers. She talks about the challenges she faced during her working years and the need for disciplined financial management. Dalene emphasizes the importance of having a clear budget and long-term financial planning. The interview delves into the unique challenges faced by Gen Xers, especially those dealing with divorce or trying to catch up on their finances. Dalene offers advice on managing debt, setting boundaries, and preparing for retirement. The conversation touches on the importance of changing mindsets and being disciplined with money management. Dalene emphasizes the need to focus on what kind of life you want in retirement and the significance of financial freedom. Overall, the interview provides valuable insights into retirement planning, financial coaching, and the challenges and solutions for Gen Xers in achieving financial independence. ⭐️About Dalene: Dalene Higgins, the founder of Elevate Finances, is a dedicated financial coach specializing in helping Gen Xers achieve their financial goals. With a background in accounting and an MBA, Dalene brings a wealth of financial expertise to her role. Having retired after 32 years in the public sector, where she managed a substantial budget, Dalene decided to channel her passion for financial empowerment into helping others. Dalene&#39;s mission is to assist Gen Xers in paying down their debts, formulating savings plans, and regaining control of their finances, ultimately providing the freedom to retire early or live comfortably in the present. She understands the challenges of managing student loans, car payments, and family expenses, and has personally experienced the transformation from financial stress to the realization that financial freedom is attainable. Dalene is committed to sharing her knowledge and strategies to make financial stability and early retirement achievable for her clients. 💜 Where to find Dalene: ► Website: https://www.elevatefinances.us/► LinkedIn: https://www.linkedin.com/in/dalenehiggins► Instagram: https://www.instagram.com/elevate_finances/

Episode 37 - What Are You Retiring To? Interview with Dalene Higgins

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✔️Summary: In this episode, Bob Hunter, the founder and CEO of consulting firm Oxford Pierpont, discusses his journey from being a corporate employee to becoming an entrepreneur. He highlights his journey of resilience and determination in the face of adversity, including facing unemployment due to health issues. Bob reveals that he started his consulting business out of necessity and had to adapt to his changing circumstances, including learning how to read again. He also discusses the range of services his consulting company offers, which includes web development, business development, and financing solutions for a diverse clientele. Bob emphasizes the importance of business administration, including setting up the right legal structure and maintaining a clear separation between personal and business finances. Throughout the conversation, Bob provides advice for aspiring entrepreneurs, highlighting the significance of healthy credit and competitive research. He also shares his life goal which is to build vertical farms to combat food deserts and provide healthy food for free through a non-profit organization. Bob discusses the potential revenue streams of this non-profit, such as selling produce to grocery chains and restaurants. The interview sheds light on Bob Hunter&#39;s personal and professional journey, his goals, and his passion for creating a positive impact on society. ⭐️About Bob: Bob is an Experienced Director Of Operations with a demonstrated history of working in the executive office industry. Strong operations professional skilled in Business Planning, Operations Management, Microsoft Word, Sales, and Event Management. Bob lost his vision in 2016 due to sickle cell disease and lost his job. Within six months, he started his own business called Oxford Pierpont, offering business development, marketing, financing and consulting services. 💜 Where to find Bob: ► Website: oxfordpierpont.com► LinkedIn: linkedin.com/in/mrbobhunter

Episode 36 - What Is Your Value Proposition: Interview with Bob Hunter

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✔️Summary:  In this podcast episode, the guest, Tom Giusti, shares his own experiences working in the banking and mortgage industry for over 25 years and how he became a personal finance podcaster “by accident”. We delve into various topics including Tom&#39;s journey into the world of podcasting, personal finances, his professional background, and his book Game Changer. Tom talks about the inspiration behind his podcast, which covers a wide range of personal finance topics, including budgeting, goal setting, and debt reduction. Tom explains that his inspiration comes from interactions with his clients, answering their financial questions, and helping them improve their financial situations. The conversation shifts towards Tom&#39;s plans for the future, including the possibility of starting a financial coaching company to help individuals with their financial challenges. Tom emphasizes the importance of finding a trustworthy financial coach who can provide personalized guidance. Tom concludes by highlighting the significance of mindset and the willingness to change as crucial factors in achieving financial success. He encourages listeners to take control of their finances and make necessary changes to secure a better financial future. ⭐️About Tom:In 2019, Tom Giusti excelled as a Personal Banker II with Fifth Third Bank, earning recognition as a top producer. Beyond his dedication to his family, Tom has a profound passion for music. His musical journey began at the age of 17 when he co-founded the National Independent Recording Artist &#34;Soul Fisher&#34; in the mid-90s. This endeavor led Tom to embark on several North West US Tours, and in 1995, he toured nationally from California to New York to support their first independent release, &#34;In a faithless world.&#34; Along the way, Tom had the privilege of opening for notable acts such as Jars of Clay, Bloodgood, Tourniquet, Guardian, Dove award winner Lisa Daggs, and many others. Their single &#34;Let it Rain&#34; from the album consistently held the #1 position on independent music charts for weeks. Continuing his musical journey, Tom continues to write, play, and perform regularly with his cover band &#34;Beauty From Ashes,&#34; where he takes the lead alongside his wife. In addition to his music endeavors, Tom also serves as a college and high school baseball umpire during the spring and summer seasons. 💜 Where to find Tom:► Podcast: https://podcasts.apple.com/us/podcast/the-simple-money-show/id1513618193 ► LinkedIn: https://www.linkedin.com/in/thomas-giusti-8232a224/► Facebook: https://www.facebook.com/people/The-Simple-Money-Show/100057377082670/

Episode 35 - Simple Action Can Be A Game Changer: Interview with Tom Giusti

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✔️Summary: In this episode, we discussed the fascinating journey of Jay, a financial expert, as he shares his personal and professional experiences. From starting with a million dollars at 21 to losing it all at 25, Jay&#39;s story is filled with valuable lessons. He discusses the importance of financial literacy and the challenges faced by those living a child-free lifestyle. Jay&#39;s passion for helping others gain financial literacy led him to create a unique business model. He emphasizes the significance of coaching and education in managing personal finances. As Dave Ramsey famously stated - personal finance is 80% behavior and only 20% head knowledge. Jay believes that the best way to teach personal finances is through personalized coaching. In this interview, Jay also sheds light on the challenges faced by child-free individuals in healthcare and government systems and his efforts to find solutions. He is the author of the book Portraits of Childfree Wealth. ⭐️About Jay Zigmont, Ph.D., CFP®: Dr. Jay, and his wife are Childfree and live in Water Valley, MS. He has a Ph.D. in Adult Learning from the University of Connecticut and is a CERTIFIED FINANCIAL PLANNER and Childfree Wealth Specialist. He is the founder of Live, Learn, Plan, and Childfree Wealth, a life and financial planning firm specializing in helping Childfree Individuals. He has been featured in Fortune, Forbes, Business Insider, Woman&#39;s World, Investors Business Daily, FinancialPlanning, and many other publications. 💜 Where to find Jay: ► Website: https://childfreewealth.com► LinkedIn: https://www.linkedin.com/in/jayzigmont/► Instagram: https://www.instagram.com/childfreewealth/?hl=en► Facebook: https://www.facebook.com/jayzigmont/

Episode 34 - Personal Finance is 80% Behavior and 20% Head Knowledge: Interview with Jay Zigmont

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✔️Summary: In this episode, I interviewed Liz Rossof, an RE/MAX realtor based in Denver, Colorado. Liz shares her transition from an art and technology background to becoming a real estate agent in Denver. She talks about Denver&#39;s changing real estate market, challenges faced by homebuyers, and strategies to navigate it, including understanding zoning and creating clean offers. Some other wonderful topics covered in the interview includes: - Liz explains “house hacking”, which means turning your property, especially your primary residence, into a monetizing opportunity. House hacking can range from renting out a room in your home to buying duplexes, triplexes, or buildings to become a landlord and offset your mortgage.- She discusses the impact of awards like the Watson Fellowship and Jacob Javits Fellowship on her work ethic and client approach.- Liz emphasizes the importance of providing excellent service and leveraging word-of-mouth referrals.- Liz shares her story of creative marketing by engaging with the community who share a passion for pets.- Liz envisions continued growth in the real estate business, potentially expanding her team and offering educational programs.- A book recommendation: &#34;The Go-Giver&#34; by Bob Burg and John David Mann, emphasizing the value of giving to receive.- You can find more about Liz on her website denvernook.com, which includes a blog called &#34;Notes from the Nook&#34; with tips on Denver and real estate. ⭐️About Liz: Liz loves pop-culture, what&#39;s new, and what’s trending in food, fashion, business, and technology. However, when it comes to real estate, what excites her the most is the highest quality in design and aesthetically timeless properties. When selling a home, she brings a lifetime of love for real estate, complemented by 28 years of experience in marketing, design, and technology. This combined background provides her with a unique edge, allowing her to think out-of-the-box and utilize the necessary tools to ensure homes stand out in the market and attract the desired offers.Liz holds the title of Accredited Buyers Representative®, and her greatest personal reward as a Realtor® is turning renters into homeowners. Having lived on both coasts of the US and abroad, she takes pride in being a Denverite now, where she appreciates the abundant offerings of the city. Liz is always ready to assist newcomers in discovering Denver&#39;s charms; she encourages them to call her for guidance. Fluent in Spanish, she dedicates her free time to swimming at Carla Madison and volunteering with rescue dogs when she is not working. 💜 Where to find Liz:► Website: https://www.denvernook.com/► LinkedIn: https://www.linkedin.com/in/lizrossof/► Instagram: https://www.instagram.com/lizrossof/?hl=en► Facebook: https://www.facebook.com/DenverLiz/

Episode 33 - A "Go Giver" Real Estate Agent: Interview with Liz Rossof

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✔️Summary: In this episode, I interviewed Jason Brown, who runs an education company teaching people how to trade and manage finances. Jason shares his personal journey, starting with trading $10,000 from a student loan, and eventually building a six-figure trading company at a young age. He talks about his humble background and early exposure to financial disparities. Jason learned trading through self-teaching, observing stock market patterns, and gradually refining his skills. He emphasizes that trading is about taking advantage of momentum and price actions, not attempting to time the market perfectly. He uses options to hedge against potential losses and talks about using knowledge of market patterns to make well-informed trades. His YouTube channel and podcast were born out of a desire to educate others and help them navigate the stock market. He focuses on simplifying trading concepts and addressing the mindset challenges that often hinder people from succeeding in the market. Jason encourages people to believe in themselves and dispels the misconception that they are not good with money. For beginners, he advises giving themselves more credit and not being intimidated by the stock market. He stresses that the stock market offers opportunities for everyone, regardless of their financial background or expertise. He also highlights the importance of education and learning from experienced traders. ⭐️About Jason: Jason is a finance graduate from Wayne State University with over a decade of experience in stocks and options trading. At the young age of 23, Jason started trading with a $10,000 student loan and grew it into a six-figure trading account. His passion for teaching others about stock market investing led him to create his own online education company “Power Trades University” which has helped thousands of students worldwide to start investing. Jason is an active YouTuber with over 80,000 subscribers and his videos have reached over 1 million views. He is also the host of the “Money, Markets and Mindset Podcast”. Jason believes that anyone can profit from the stock market if they know what to look for, and how to spot low-risk but high-reward times to buy and sell combined with the right option strategies to supercharge returns and minimize risk. 💜 Where to find Jason:► Website: https://thebrownreport.com/► LinkedIn: https://www.linkedin.com/in/jasonbrown1124/► Instagram: https://www.instagram.com/brownreport/► YouTube: https://www.youtube.com/thebrownreport

Episode 32 - Jason Brown

https://s3.us-east-2.amazonaws.com/pod-public-media-files/2023/8/4/17/5f3e4847-d6c9-4815-89ef-46dcb781b027_mauriusz.m4a

✔️Summary:  In this interview, Mariusz Skonieczny discusses the concept of microcap investing, which focuses on small companies with market caps below $100 million. Mariusz explains that large institutional investors tend to overlook these companies due to their smaller size and prefer to invest in well-known, large-cap companies like Microsoft or Tesla. However, individual investors can find opportunities in the microcap space because of the higher probability of mispricing and the lack of interest from big financial institutions. Mariusz emphasizes the importance of conducting thorough due diligence when investing in microcap companies. He suggests looking beyond the publicly available information and directly engaging with company management, former employees, and other investors to gain a comprehensive understanding of the business. He also highlights the importance of having a long-term perspective when investing in microcap companies and staying patient as these investments may take years to materialize. The conversation also touches on the idea of value investing and the need to remain open-minded about investment opportunities. Mariusz shares an example of investing in a cannabis company despite initial reservations, based on a unique opportunity that presented itself. ⭐️About Mariusz: Mariusz has been focusing on investing in microcap and small cap companies since 2008/2009. He believes that these companies offer great opportunities for outsized returns because there is barely any competition in this space. The investment industry ignores microcap and small cap companies, which means that there is less competition for these investments. Over that time period, Mariusz has generated a 400X return on his investments. This was not easy and there was definitely some volatility along the way. However, Mariusz believes that the potential rewards are worth the risks. If you are looking for investments that others are not willing to take, then microcap and small cap companies may be a good option for you. Mariusz also offers a private membership website called MicroCap Explosions, where he shares his portfolio picks with write-ups, CEO interviews, and continuous updates. However, if you are a traditional investor who prefers to invest in companies that everyone else is talking about, then MicroCap Explosions is not for you. Mariusz believes that if you hear about an investment on TV, then it is probably too late to invest in it. 💜 Where to find Mariusz: ► Website: https://microcapexplosions.com/► YouTube: https://www.youtube.com/@SkoniecznyMariusz► X (fka Twitter): Mariusz Skonieczny (@ClassicValueInv)►LinkedIn: <a href="https://www.linkedin.com/in/mariuszskonieczny" rel="nofollow">linkedin.com/in/mariuszskonieczny</a>

Episode 31 - Mariusz Skonieczny

No fluff personal finance education from real personal finance experiences