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    Join us on Average Joe Finances as our guest Cathi Nelson, the founder of a photo organizing company, shares insights about how she built her business from scratch, helping people manage their digital and analog photo collections. She discusses the growing need for photo organizing services, the importance of community and training for small business success, and the potential of turning this into a lucrative side hustle or full-time career.

    In this episode:

    Find out how Cathi’s organization supports a global network of photo organizers, helping individuals turn memory preservation into a thriving business.Understand how advanced tech tools, like AI for facial recognition, are revolutionizing photo management and making organizing easier than ever.See how photo management has become a profitable field, offering flexible business models and support for aspiring entrepreneurs.Learn how Cathi’s dedication to storytelling has created a rewarding field, inviting others to explore careers centered around preserving cherished memories.And so much more!

    Key Moments:

    00:01:08 The Photo Managers: An Overview

    00:02:30 Starting the Photo Management Industry

    00:04:29 Challenges and Solutions in Photo Management

    00:06:37 The Business Side of Photo Management

    00:13:24 Community and Support for Photo Managers

    00:14:59 Personal Journey and Business Growth

    00:19:35 Meeting a New Member

    00:20:01 Understanding Customer Needs

    00:20:18 Exploring Business Opportunities

    00:20:40 Family Memorabilia Project

    00:21:04 Technology and Photo Management

    00:21:37 AI in Photo Management

    00:22:26 Organizing Photos and Videos

    00:23:11 Residential Organizing Conference

    00:24:21 Biggest Business Mistake

    00:26:46 Hiring Help and Avoiding Burnout

    00:28:15 Starting a Photo Management Business

    00:29:32 Favorite Business Resources

    00:31:02 Final Thoughts and Advice

    Find Cathi Nelson on:

    Website: https://thephotomanagers.com/

    LinkedIn: https://www.linkedin.com/in/cathinelson/

    Instagram: https://www.instagram.com/thephotomanagersofficial/?hl=en

    Youtube: https://www.youtube.com/@thephotomanagers

    Facebook: https://www.facebook.com/thephotomanagers

    Average Joe Finances®

    All of our social media links and more: https://averagejoefinances.com/links

    About Mike: https://mikecavaggioni.com

    About Tawnya: https://www.themoneylifecoach.com/

    Show Notes add-on continued here: https://averagejoefinances.com/show-notes/

    *DISCLAIMER* https://averagejoefinances.com/disclaimer

    See our full episode transcripts here: https://podcast.averagejoefinances.com/episodes

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    Join us on Average Joe Finances as our guest Mark Miller, the CEO of Hilton Tax and Wealth Advisors, discusses his career and collaboration with the Hilton family, highlighting the importance of advanced tax mitigation strategies that can significantly reduce tax liabilities and enhance wealth for business owners and high-income earners. He also shared the proprietary techniques used by the Hilton Financial Network, methods for optimizing tax brackets in high-tax areas, and debunk common tax myths.

    In this episode:

    Discover the power of tax planning to cut costs and boost your wealth potential.Learn smart, non-traditional strategies to reduce taxes without relocating.Experience the value of expertise to shift from conventional advice to wealth-maximizing solutions.Unlock wealth-building insights that balance safety with growth for lasting success.And so much more!

    Key Moments:

    00:02:07 Meet Mark Miller: CEO of Hilton Tax and Wealth Advisors

    00:02:24 Mark Miller's Journey and Expertise

    00:06:20 Advanced Tax Mitigation Strategies

    00:06:38 The Importance of a Formalized Tax Plan

    00:07:27 Proprietary Strategies for Tax Savings

    00:08:28 Client Success Stories and Minimum Requirements

    00:09:01 Beyond Basic Deductions: Deep Dive into Tax Codes

    00:09:50 Home Office and Accountable Spending Plans

    00:10:18 Tax Mitigation for W-2 Employees

    00:10:58 Living in High-Tax States: Strategies to Save

    00:11:43 The Legal and Ethical Side of Tax Mitigation

    00:12:25 The Role of Legislatures in Tax Codes

    00:12:52 Achieving Zero Tax Bracket: Real Examples

    00:14:34 Fee Structure and Client Proposals

    00:15:36 Hilton Wealth: Investing Like an American Dynasty

    00:16:57 Mark Miller's Personal Motivation and Background

    00:23:16 The Role of CPAs and Red Flags to Watch For

    00:25:18 The Importance of Trust in Financial Relationships

    00:26:03 Understanding the Role of CPAs and Financial Advisors

    00:27:57 Success Stories: Transforming Financial Futures

    00:30:12 Addressing Common Fears in Personal Finance

    00:32:53 Lessons Learned from Financial Mistakes

    00:35:30 The Value of Conservative Investment Strategies

    00:41:28 Getting Started with Financial Planning

    00:44:00 Final Thoughts and Words of Wisdom


    Find Mark Miller on:

    Website: http://hiltonwealth.com

    LinkedIn: https://www.linkedin.com/in/markmiller-hiltonfo/

    Facebook:https://www.facebook.com/HiltonWealth

    YouTube: https://www.youtube.com/@hiltontaxwealthadvisors6590

    Average Joe Finances®

    All of our social media links and more: https://averagejoefinances.com/links

    About Mike: https://mikecavaggioni.com

    About Tawnya: https://www.themoneylifecoach.com/

    Show Notes add-on continued here: https://averagejoefinances.com/show-notes/

    *DISCLAIMER* https://averagejoefinances.com/disclaimer

    See our full episode transcripts here: https://podcast.averagejoefinances.com/episodes

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    Join us on Average Joe Finances as our guest Herman Dulce Jr., the founder of Bella Sloan Enterprises, shares his remarkable journey from a social worker to a renowned financial literacy advocate. Herman also discusses leveraging credit to make impactful financial decisions, including house hacking and buying his first property. The conversation covers credit repair, business funding, and strategic relationships in real estate investments.

    In this episode:

    Discover how leveraging credit can be a powerful tool for building wealth, not just for consumer spending but for acquiring assets like real estate that generate long-term income.Learn about the importance of early banking relationships and establishing credit with diverse financial institutions to expand business funding opportunities.Explore how house hacking, or investing in multifamily properties, can help you transition from renter to homeowner while creating cash flow.Understand the significance of surrounding yourself with successful and failed mentors to learn valuable lessons from both achievements and mistakes.And so much more!

    Key Moments:

    00:03:19 Herman Dolce Jr.'s Background and Journey

    00:05:51 Financial Literacy and Early Lessons

    00:09:51 Real Estate and House Hacking Strategies

    00:11:40 Building Credit and Business Funding

    00:14:00 Navigating Today's Real Estate Market

    00:18:40 Advice for Aspiring Investors

    00:22:04 Real Estate Investment Strategies

    00:24:31 The Power of Good Credit

    00:25:12 Building Relationships with Banks

    00:26:25 Credit Optimization Tips

    00:29:12 Business Loans and Credit Cards

    00:31:53 Final Round: Personal Insights

    00:37:26 Closing Thoughts and Resources

    Find Herman Dolce Jr. on:

    Website: bellasloanenterprises.com

    Instagram: http://www.instagram.com/haitian_ceo

    Youtube: https://www.youtube.com/c/BellaSloanEnterprises

    Email: [email protected]

    Average Joe Finances®

    All of our social media links and more: https://averagejoefinances.com/links

    About Mike: https://mikecavaggioni.com

    About Tawnya: https://www.themoneylifecoach.com/

    Show Notes add-on continued here: https://averagejoefinances.com/show-notes/

    *DISCLAIMER* https://averagejoefinances.com/disclaimer

    See our full episode transcripts here: https://podcast.averagejoefinances.com/episodes

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    Join us on Average Joe Finances as our guest Adam Goldman, a seasoned franchise consultant, shares his journey from business school into the world of franchising, revealing insights into the potential and misconceptions surrounding franchises. With over 14 years in the industry, Adam discusses his role in helping aspiring entrepreneurs find the right franchise fit, akin to being the 'Match.com of franchising.'

    In this episode:

    Explore the diverse world of franchising beyond the common myths and misconceptions.Uncover how tailored franchise opportunities can align with individual strengths and goals.Understand the growing role of women in franchising and the empowerment it offers.Gain insights into Adam’s long-term vision of financial freedom through multiple income streams.And so much more!

    Key Moments:

    00:00:19 Adam Goldman's Entrepreneurial Journey

    00:01:54 Diving into Franchising

    00:03:21 Misconceptions and Realities of Franchising

    00:05:27 Financial Considerations in Franchising

    00:09:21 Real Estate Ventures and Insights

    00:10:42 Creating Entrepreneurs and Personal Motivations

    00:15:07 Future Goals and Personal Reflections

    00:19:01 Final Round: Lessons and Advice

    00:24:48 Conclusion and Farewell


    Find Adam Goldman on:

    Website: https://www.franchisecoach.net/

    LinkedIn: https://www.linkedin.com/in/adamgoldmanfranchise/

    Facebook: https://www.facebook.com/leadingfranchiseconsultant/

    Instagram: https://www.instagram.com/franchisecoach_adam/

    Youtube: https://www.youtube.com/channel/UCRQCtHcOPenRfQ_0IlMY08Q

    Average Joe Finances®

    All of our social media links and more: https://averagejoefinances.com/links

    About Mike: https://mikecavaggioni.com

    About Tawnya: https://www.themoneylifecoach.com/

    Show Notes add-on continued here: https://averagejoefinances.com/show-notes/

    *DISCLAIMER* https://averagejoefinances.com/disclaimer

    See our full episode transcripts here: https://podcast.averagejoefinances.com/episodes

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    Join us on Average Joe Finances as our guest David Pere, a former Marine Corps veteran turned successful real estate investor and entrepreneur shares his journey from making typical financial decisions as a service member to achieving financial freedom and helping others do the same. He discusses the significance of community and networking, particularly through the mastermind he founded for like-minded veterans

    In this episode:

    Discover the significance of community and mentorship for success, particularly through mastermind groups like "The War Room" that offer accountability and support.Understand the true meaning of financial freedom, which isn’t about never working, but having the power to choose meaningful projects.Explore the challenges and misconceptions around financial success, and the effort it takes to build wealth.Gain practical advice on investing in education, building networks, and taking actionable steps towards financial goals.And so much more!

    Key Moments:

    00:02:14 David Pere's Journey: From Marine Corps to Financial Freedom

    00:03:58 The Power of Real Estate and Masterminds

    00:05:50 Challenges and Rewards of Financial Independence

    00:07:34 The Importance of Community and Mentorship

    00:13:18 Overcoming Misconceptions and Putting in the Work

    00:22:17 Introduction to Financial Coaching

    00:22:59 Fast-Track Your Financial Success

    00:23:19 Podcast and Social Media Management

    00:23:55 Back to the Episode: Business Insights

    00:26:16 Real Estate Market Trends and Predictions

    00:28:52 The Car Market and Investment Strategies

    00:32:11 Final Round: Lessons and Advice

    00:40:10 Connecting and Networking

    00:42:17 Final Thoughts and Farewell

    Find David Pere on:

    Website: https://www.frommilitarytomillionaire.com/

    Youtube: https://www.youtube.com/channel/UCQElNqStWjEBDFNVnXkh1ng

    Instagram: https://www.instagram.com/frommilitarytomillionaire

    LinkedIn: https://www.linkedin.com/in/david-pere/

    Average Joe Finances®

    All of our social media links and more: https://averagejoefinances.com/links

    About Mike: https://mikecavaggioni.com

    About Tawnya: https://www.themoneylifecoach.com/

    Show Notes add-on continued here: https://averagejoefinances.com/show-notes/

    *DISCLAIMER* https://averagejoefinances.com/disclaimer

    See our full episode transcripts here: https://podcast.averagejoefinances.com/episodes

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    Join us on Average Joe Finances as our guest Regina McCann Hess, a certified divorce financial analyst and author of 'Superwoman Wealth: How to Become Your Own Financial Hero', shares her journey from being a critical care nurse to a financial advisor, inspired by an early interest in the stock market.

    In this episode:

    Discover the value of financial literacy, especially during pivotal moments like divorce.Familiarize yourself with the complexities of asset division in divorce and how professionals help clients navigate these challenges, ensuring fair financial outcomes and long-term security.Learn how avoiding high-interest debt and prioritizing investments, such as retirement plans and Roth IRAs, can improve your financial health.Understand the importance of continuous financial education and seeking guidance from mentors or coaches. And so much more!

    Key Moments:

    00:03:28 Introducing Regina McCann Hess

    00:03:58 Regina's Journey from Nursing to Finance

    00:06:56 The Role of a Certified Divorce Financial Analyst

    00:09:14 Regina's Personal Motivation

    00:11:24 Empowering Women Through Financial Literacy

    00:16:11 Financial Challenges and Solutions for Women

    00:22:06 Understanding the Bucket Theory

    00:22:44 Meet Tanya, the Money Life Coach

    00:23:42 Introducing Edit Pods

    00:24:22 Navigating Financial Conversations in Relationships

    00:26:02 The Importance of Prenups

    00:31:37 Final Round: Tough Financial Questions

    00:35:33 Regina's Financial Advice and Resources

    00:40:05 Closing Thoughts and Farewells

    Find Regina McCann Hess on:

    Websites:

    https://reginamccannhess.com/

    https://www.forgewealth.com/

    LinkedIn: https://www.linkedin.com/in/reginamccannhess/

    Facebook: https://www.facebook.com/ForgeWealth/

    Instagram: https://www.instagram.com/forgewealthmanagement/

    Youtube: https://www.youtube.com/channel/UCgN_tcH1RrtHitajN-mlBIg

    Average Joe Finances®

    All of our social media links and more: https://averagejoefinances.com/links

    About Mike: https://mikecavaggioni.com

    About Tawnya: https://www.themoneylifecoach.com/

    Show Notes add-on continued here: https://averagejoefinances.com/show-notes/

    *DISCLAIMER* https://averagejoefinances.com/disclaimer

    See our full episode transcripts here: https://podcast.averagejoefinances.com/episodes

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    Join us on Average Joe Finances as our guest Clint Harris, shares his journey from medical sales to achieving financial independence through real estate and self-storage investments. He also shares how he built and eventually restructured his investment strategy to achieve time, financial, and location freedom.

    In this episode:

    Explore strategic real estate investments and showcase the importance of choosing the right investment vehicle for long-term success.Familiarize yourself on how to scale a business by leveraging systems, partnerships, and focusing on his strengths—raising capital and building relationships.Learn about the value of continuous education and surrounding yourself with experienced mentors. Recognize the role of risk management in success. By managing and taking calculated risks, you can build tolerance and confidence, essential elements for succeeding in real estate and business.And so much more!

    Key Moments:

    00:01:49 Guest Introduction: Clint Harris

    00:02:19 Clint's Background and Early Career

    00:03:29 Transition to Real Estate and Early Investments

    00:04:51 Achieving Financial Independence

    00:06:02 The Shift to Self Storage

    00:15:22 Raising Capital and Building Partnerships

    00:16:42 The Self Storage Business Model

    00:25:11 Forced Appreciation and Syndication

    00:25:59 Multifamily Syndications and Property Management

    00:26:56 Transition to Self Storage and Networking Importance

    00:29:54 The Power of Relationships and Networking

    00:34:23 Financial Independence and Mortality

    00:39:38 Final Round: Financial Mistakes and Lessons

    00:44:20 Tips for Beginners and the Importance of Education

    00:46:41 Podcasting as a Learning Tool

    00:51:05 Final Thoughts and Closing Remarks

    Find Clint Harris on:

    Website: https://nomadcapital.us

    LinkedIn: www.linkedin.com/in/clint-harris-543265139

    YouTube: https://www.youtube.com/channel/UCe0F1abrRXQX2KpSl5qEnoA

    Podcast: https://podcasts.apple.com/us/podcast/truly-passive-income/id1693667029

    Average Joe Finances®

    All of our social media links and more: https://averagejoefinances.com/links

    About Mike: https://mikecavaggioni.com

    About Tawnya: https://www.themoneylifecoach.com/

    Show Notes add-on continued here: https://averagejoefinances.com/show-notes/

    *DISCLAIMER* https://averagejoefinances.com/disclaimer

    See our full episode transcripts here: https://podcast.averagejoefinances.com/episodes

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    Join us on Average Joe Finances as our guest Freddie Rappina, a retired police officer turned wealth advisor, discusses his journey from Long Island to Virginia and now Florida, and shares insights into wealth building strategies. He emphasizes the difference between 'checkers' and 'chess' approaches to personal finance, the importance of having an evidence-based mindset, leveraging debt for wealth creation, understanding compound interest limitations, and the critical role of taxes and a robust financial team in achieving financial success.

    In this episode:

    Discover the importance of transitioning from basic financial strategies ("checkers") to more advanced tactics ("chess") in wealth management.Understand how leveraging debt can be a powerful tool, but only when used judiciously.Learn the significance of tailoring investment strategies to individual needs. Grasp the concept of building a reliable team to support your financial journey. And so much more!

    Key Moments:

    00:03:42 Meet Freddie Rapina: From Police Officer to Wealth Advisor

    00:08:04 The Checkers vs. Chess Analogy in Finance

    00:12:56 Leveraging Debt for Wealth Building

    00:16:36 Real Estate Investment Strategies

    00:20:27 Personal Decision: Home Ownership vs. Investment

    00:21:32 Leverage and Risk in Real Estate

    00:23:24 Preparing for Market Opportunities

    00:25:52 Effective Marketing Strategies

    00:27:38 Starting in Real Estate Investing

    00:31:26 Checkers vs. Chess: Investment Strategies

    00:33:54 Final Round: Lessons and Tips

    00:34:55 Building Wealth Through Taxes

    00:39:56 Closing Thoughts and Resources

    Find Freddie Rappina on:

    Websites:

    https://freddierappina.com/

    https://playingthewealthgame.com/

    https://www.optafinancial.com/

    LinkedIn: https://www.linkedin.com/in/freddie-rappina/



    Average Joe Finances®

    All of our social media links and more: https://averagejoefinances.com/links

    About Mike: https://mikecavaggioni.com

    About Tawnya: https://www.themoneylifecoach.com/

    Show Notes add-on continued here: https://averagejoefinances.com/show-notes/

    *DISCLAIMER* https://averagejoefinances.com/disclaimer

    See our full episode transcripts here: https://podcast.averagejoefinances.com/episodes

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    Join us on Average Joe Finances as our guest Weston Zimmerman, the co-founder and CEO of SynkedUp, a landscaping business management software - shares his journey from a teen working for a landscaping company in Pennsylvania to becoming the CEO of an award-winning software company. He discusses the challenges contractors face in managing operations and finances and how SynkedUp helps solve these problems with its comprehensive software solution.

    In this episode:

    Discover the importance of creating efficient systems for business management, to ensure accurate cost estimation and resource management for sustained profitability.Understand the shift in mindset required to transition from employee to business owner, and how focusing on adding value to the company can drive personal and professional growth.Gain insight into the significance of cash flow managementExplore how effective leadership, communication, and fostering a team-oriented culture can lead to a more innovative and problem-solving workforce, key to long-term business success.And so much more!

    Key Moments:

    00:02:42 Weston's Journey into Landscaping
    00:03:49 The Birth of SyncedUp
    00:05:44 Challenges and Growth of SyncedUp
    00:12:42 Understanding the Profit Triangle
    00:15:52 Real-Time Job Costing and Feedback
    00:18:35 Weston's Entrepreneurial Journey
    00:22:45 Personal Journey into Financial Coaching
    00:24:06 Early Career and Financial Realizations
    00:25:02 Pivotal Advice from a CEO
    00:26:17 Adding Value and Growing Income
    00:27:30 Leadership and Problem-Solving Mindset
    00:30:41 Biggest Financial Mistake
    00:32:24 Learning and Growth in Business
    00:36:51 Recommended Books and Resources
    00:41:13 Final Thoughts and Words of Wisdom
    00:44:10 Closing Remarks and Podcast Outro

    Find Weston Zimmerman on:

    Website: www.synkedup.com
    Facebook: www.facebook.com/synkedup/
    Instagram: https://www.instagram.com/synkedup/
    LinkedIn: www.linkedin.com/in/weston-zimmerman-900523122/

    Average Joe Finances®

    All of our social media links and more: https://averagejoefinances.com/links

    About Mike: https://mikecavaggioni.com

    About Tawnya: https://www.themoneylifecoach.com/

    Show Notes add-on continued here: https://averagejoefinances.com/show-notes/

    *DISCLAIMER* https://averagejoefinances.com/disclaimer

    See our full episode transcripts here: https://podcast.averagejoefinances.com/episodes

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    Join us on Average Joe Finances as our guest Chad Olivier shares his extensive experience and knowledge in financial planning since 1996. Chad discusses his journey from selling tax-free bonds to founding the Olivier Group in 2002, where he now specializes in individual investments and certified exit planning for small business owners.

    In this episode:

    Grasp the significance of evolving from a specialized financial service, like selling tax-free bonds, to establishing a comprehensive financial planning firm.Recognize the critical role of exit planning as an essential component of a business owner's financial strategy, ensuring maximum value extraction.Comprehend the importance of maintaining a business as a separate entity from personal finances to create a sellable asset.Realize the necessity of prudent debt management and the delicate balance between scaling and stabilizing a business.And so much more!

    Key Moments:

    00:01:07 Meet Chad Olivier: Financial Planning Expert

    00:02:41 Chad's Journey into Financial Services

    00:03:23 The Niche of Exit Planning

    00:06:55 Building a Successful Financial Firm

    00:11:17 Mentorship and Continuous Learning

    00:16:00 Challenges and Advice for Business Owners

    00:20:15 The Evolution of Financial Planning

    00:22:19 The Role of AI in Wealth Management

    00:24:14 The Importance of Expert Advice

    00:25:59 Building a Legacy: Strategies for Business Owners

    00:28:08 The Challenges of Running a Business

    00:30:03 Final Round: Lessons and Tips

    00:36:14 Recommended Books and Podcasts

    00:38:10 Closing Remarks and Contact Information

    Find Chad Olivier on:

    Website: www.oliviergroup.com

    Facebook: www.facebook.com/theoliviergroup/

    X: https://x.com/TheOlivierGroup

    LinkedIn: www.linkedin.com/in/chad-olivier-70b29621/

    Average Joe Finances®

    All of our social media links and more: https://averagejoefinances.com/links

    About Mike: https://mikecavaggioni.com

    About Tawnya: https://www.themoneylifecoach.com/

    Show Notes add-on continued here: https://averagejoefinances.com/show-notes/

    *DISCLAIMER* https://averagejoefinances.com/disclaimer

    See our full episode transcripts here: https://podcast.averagejoefinances.com/episodes

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    Join us on Average Joe Finances as our guest David Delisle, discuss the importance of financial literacy for both kids and adults, focusing on David's journey as a 'finance nerd' from a young age and his passion for teaching financial education through his children's book, a graphic novel. He also shares the significance of understanding personal finance from early stages, the concept of 'awesome stuff' which helps identify what truly brings joy, and shifting from a scarcity mindset to an abundance mindset.

    In this episode:

    Recognize the importance of teaching kids to align their financial choices with their values.Learn how to encourage parents to break this cycle by discussing money openly with their children and helping them identify what genuinely brings them joy.Embrace the 'Awesome Stuff' Philosophy where this approach centers on helping both kids and adults identify their "awesome stuff"—the things that truly make them happy.Understand the connection between giving and feeling financially abundant. By practicing generosity, individuals can shift their mindset from scarcity to abundance, fostering a healthier relationship with money.And so much more!

    Key Moments:

    00:03:36 Introducing David Delisle

    00:04:41 David's Background and Passion for Financial Literacy

    00:06:34 The Importance of Financial Literacy for Kids

    00:12:18 Living a Rich Life and Mindset Shifts

    00:20:49 Quality Time and Financial Decisions

    00:24:11 From Budgeting to an Abundance Mindset

    00:24:36 Shifting Mindsets: From Scarcity to Abundance

    00:26:14 The Power of Giving: Financial and Emotional Benefits

    00:28:07 Teaching Kids About Value and Joy

    00:35:10 Final Round: Financial Mistakes and Lessons

    00:42:43 David's Book and Final Thoughts

    Find David Delisle on:

    Website: www.thefinancialphysician.com

    Facebook: https://www.facebook.com/financialphysician



    Average Joe Finances®

    All of our social media links and more: https://averagejoefinances.com/links

    About Mike: https://mikecavaggioni.com

    About Tawnya: https://www.themoneylifecoach.com/

    Show Notes add-on continued here: https://averagejoefinances.com/show-notes/

    *DISCLAIMER* https://averagejoefinances.com/disclaimer

    See our full episode transcripts here: https://podcast.averagejoefinances.com/episodes

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    Join us on Average Joe Finance hosts Mike Cavaggioni and Tanya discuss recent events, focusing on the overdramatized stock market crash in early August, investment strategies for market dips, the evolving real estate market and its challenges, and the importance of mindful financial planning. The conversation also touches on practical financial advice such as adhering to budget percentages and the necessity of having financial mentors or advisors.

    In this episode:

    Learn about the importance of understanding that market dips are often temporary and can present buying opportunities rather than reasons to panic.Discover the power of long-term investment strategies, even when short-term market movements cause concern.Understand the complexities of the current real estate market, including rising interest rates and insurance costs, and offers advice on how to navigate these challenges.Explore the importance of financial prudence, particularly ensuring that housing expenses don't exceed 30% of income, regardless of whether you're renting or buying.And so much more!

    Key Moments:

    00:00 Introduction and Episode Overview

    00:42 Discussing the Stock Market Crash

    03:58 Real Estate Market Insights

    08:00 Financial Advice and Personal Experiences

    14:38 The Importance of Financial Planning

    24:46 Conclusion and Final Thoughts

    Average Joe Finances®

    All of our social media links and more: https://averagejoefinances.com/links

    About Mike: https://mikecavaggioni.com

    About Tawnya: https://www.themoneylifecoach.com/

    Show Notes add-on continued here: https://averagejoefinances.com/show-notes/

    *DISCLAIMER* https://averagejoefinances.com/disclaimer

    See our full episode transcripts here: https://podcast.averagejoefinances.com/episodes

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    Join us on Average Joe Finances as our guest Lou Scatigna, a seasoned financial advisor, author, and radio show host, shares his extensive experience in financial planning, discussing the importance of financial literacy, budgeting, and prudent investing. He highlights the parallels between health and financial habits, the impact of car and housing expenses on financial well-being, and explains the potential dangers of hyperinflation.

    In this episode:

    Recognize the critical nature of establishing an emergency fund. Saving three to six months’ worth of living expenses to safeguard against unexpected financial crises.Embrace Living Below Your Means. Advocate for a lifestyle where you spend less than you earn.Appreciate the Power of Budgeting. A spending plan is crucial for maintaining control over personal finances.Comprehend the Impact of Inflation and Debt, which could lead to economic challenges such as hyperinflation. Investing in hard assets like real estate and precious metals is a good option as protection against these risks.And so much more!

    Key Moments:

    00:00:00 Post-Interview Reflections

    00:03:20 Meet Lou Scatigna

    00:04:09 Lou's Financial Philosophy

    00:05:37 The Dangers of Debt

    00:09:10 Car Buying Mistakes

    00:11:11 Housing and Financial Responsibility

    00:18:45 Retirement Challenges

    00:21:25 Inflation and Economic Concerns

    00:26:40 Personal Investment Strategies

    00:27:23 Impact of Washington on Finances

    00:28:08 Precious Metals as a Hedge Against Inflation

    00:29:49 The Value of Silver

    00:32:47 Hyperinflation and Its Consequences

    00:36:17 Lessons Learned in Finance

    00:39:40 The Importance of Financial Education

    00:41:52 Getting Started in Finance

    00:44:49 Recommended Financial Resources

    00:46:35 Closing Remarks and Contact Information

    Find Lou Scatigna on:

    Website: www.thefinancialphysician.com

    Facebook: https://www.facebook.com/financialphysician

    Average Joe Finances®

    All of our social media links and more: https://averagejoefinances.com/links

    About Mike: https://mikecavaggioni.com

    About Tawnya: https://www.themoneylifecoach.com/

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    Join us on Average Joe Finances as our guest Jason VanDevere shares about his journey from working in a family car dealership to starting his own successful e-commerce business, 'Goal Crazy,' which includes a specialized planner and coaching programs.

    In this episode:

    Discover the power of pursuing your passion even when it means stepping away from a secure career path.Understand the Importance of comprehensive goal setting, offering tools to help you assess your life, set meaningful goals, and break them down into daily actions.Recognize the need for strategic financial stability as it underscores the significance of building a stable financial foundation before diving into entrepreneurship.Grasp the essence of work-life balance by aligning your business goals with your life aspirations to ensure that your work contributes to your overall well-being.And so much more!

    Key Moments:

    00:01:02 Meet Jason Vanderveer

    00:01:38 Jason's Entrepreneurial Journey

    00:03:07 The Birth of Goal Crazy Planners

    00:06:16 Challenges and Success in E-commerce

    00:12:38 The Importance of Goal Setting

    00:21:23 Real Estate Ventures

    00:27:12 Balancing Entrepreneurship and Family Life

    00:28:01 Defining Your Ideal Lifestyle

    00:28:14 Using Business as a Vehicle for Dreams

    00:29:16 The Journey and Obstacles

    00:29:52 Balancing Work and Life

    00:31:29 Daily Dreaming and Vision Boards

    00:33:23 Finding Fulfillment Beyond Success

    00:38:26 The Final Round: Lessons and Tips

    00:48:01 Connecting with Jason Vanderveer

    Find Jason VanDevere on:

    Website: https://goalcrazyplanners.com/

    Instagram: https://www.instagram.com/goal.crazy/

    LinkedIn: http://linkedin.com/in/jasonvandevere

    Average Joe Finances®

    All of our social media links and more: https://averagejoefinances.com/links

    About Mike: https://mikecavaggioni.com

    About Tawnya: https://www.themoneylifecoach.com/

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    Join us on Average Joe Finances as our guest Ted Thomas, a seasoned expert in tax defaulted properties and tax lien certificates, shares his journey from being an airline pilot to becoming a successful real estate investor, and how he stumbled upon the lucrative market of tax defaulted properties and tax lien certificates.

    In this episode:

    Understand Tax lien certificates as an investment opportunity where you pay the overdue property taxes and earn interest on your investment. If the property owner doesn’t redeem the certificate, you could acquire the property free of liens.Get to know how economic downturns, like a recession, can affect investments and the importance of adapting strategies in response to market changes.Learn why it’s crucial to educate yourself thoroughly and understand the investment process to avoid costly mistake before diving into tax lien certificates and tax defaulted propertiesKnow the effective strategies for success in tax lien certificates and defaulted properties such as setting a budget, knowing your exit strategy, and avoiding emotional bidding (auction fever).And so much more!

    Key Moments:

    00:00:52 Ted Thomas' Background and Career Journey
    00:01:36 Transition to Real Estate and Early Success
    00:02:19 Facing Recession and Learning About Foreclosures
    00:03:06 Discovering Tax Defaulted Properties
    00:04:06 Educating the Audience on Tax Defaulted Properties
    00:08:43 Navigating Auctions and Real Estate Strategies
    00:13:57 Importance of Education and Avoiding Mistakes
    00:19:17 Success Stories and Client Testimonials
    00:23:38 Profitable Property Auctions
    00:24:23 Understanding Redeemable Deeds
    00:25:07 Navigating State-Specific Auction Rules
    00:25:56 The Importance of Learning the Business
    00:26:11 Success Stories and Strategies
    00:27:46 Tax Lien Certificates Explained
    00:30:21 Investing with the Government
    00:34:10 Final Round: Ted's Insights and Advice
    00:40:44 How to Learn More and Get Started
    00:43:52 Closing Thoughts and Appreciation

    Ted invites you to join his comprehensive six-hour class. Use the code "JOE50" for a discount on this invaluable learning experience. This class is the perfect starting point to learn from one of the industry's best. Visit www.tedthomas.com for more details and to sign up.

    Find Ted Thomas on:

    Website: https://tedthomas.com/
    Youtube: https://www.youtube.com/@Ted-Thomas
    Tiktok: http://www.tiktok.com/@taxsalesexpert
    Facebook: https://www.facebook.com/TaxAuctionTed
    Instagram: https://www.instagram.com/taxlienauthority

    Average Joe Finances®

    All of our social media links and more: https://averagejoefinances.com/links
    About Mike: https://mikecavaggioni.com
    About Tawnya: https://www.themoneylifecoach.com/

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    Join us on Average Joe Finances as our guest Brent Kesler shares his journey from being a chiropractor to becoming a financial educator who helps people build, keep, and create wealth through the Infinite Banking Concept. Brent shares his personal success story of paying off nearly a million dollars in debt and emphasizes the importance of taking action, having the right mindset, and utilizing mentors.

    In this episode:

    Discover how Infinite Banking uses a specially designed whole life insurance policy to create and build wealth by borrowing against the policy while earning interest.Learn about Brent Kessler's transition from a chiropractor to a financial expert who used Infinite Banking to pay off nearly a million dollars in debt in 39 months and founded The Money Multiplier.Understand how Infinite Banking can fund personal purchases, real estate investments, and business ventures. Hear real-life success stories of individuals who used Infinite Banking to pay off debts, fund education, and achieve financial freedom.And so much more!

    Key Moments:

    00:01:51 Brent's Journey to Financial Freedom

    00:02:53 Discovering the Infinite Banking Concept

    00:04:32 Implementing the Concept and Paying Off Debt

    00:06:01 Teaching and Spreading the Concept

    00:10:57 Infinite Banking in Real Estate

    00:12:00 How Infinite Banking Works

    00:20:21 Real-Life Examples and Success Stories

    00:26:41 Understanding Self-Borrowing for Purchases

    00:28:01 Success Stories and Client Experiences

    00:29:01 The Importance of Paying Yourself First

    00:36:10 Final Round: Personal Insights and Advice

    00:47:06 Resources and Closing Remarks

    Find Brent Kesler on:

    Website: www.themoneymultiplier.com

    Instagram: www.instagram.com/the.money.multiplier/

    Youtube: www.youtube.com/@the.money.multiplier

    Average Joe Finances®

    All of our social media links and more: https://averagejoefinances.com/links

    About Mike: https://mikecavaggioni.com

    About Tawnya: https://www.themoneylifecoach.com/

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    Join us on Average Joe Finances as our guest Nicole Truszkowski shares her extensive experience in real estate, particularly in the luxury market. With over 30 years in the industry, Nicole delves into her transition from sports medicine to real estate, her methods for breaking into high-end markets, and her strategies for maintaining a thriving business. She also discusses her involvement in high-profile transactions, including sales for celebrities like Brad Pitt, and shares valuable tips for aspiring real estate agents.

    In this episode:

    Nicole emphasizes building relationships within elite social circles and providing high-touch service and expert knowledge to succeed in high-end real estate.Nicole shares her diverse background in sports medicine, business administration, and club management, highlighting how these experiences equipped her with valuable skills for marketing and luxury service in real estate.Discover the importance of understanding and adapting to local market nuances, using a calculated approach to study competition and align strategies when moving to a new, affluent market.Learn practical advice on financial management, stressing the importance of living within one's means and smartly investing earnings to navigate market fluctuations and ensure business growth.And so much more!

    Key Moments:

    00:01:13 Guest Introduction: Nicole Truskowski

    00:01:50 Nicole's Early Career and Transition to Real Estate

    00:04:18 Building a Real Estate Career in Sacramento

    00:06:10 Transition to Carmel and High-End Real Estate

    00:08:21 Challenges and Strategies in High-End Real Estate

    00:12:54 Working with Elite Clients

    00:17:10 The Realities of High-End Real Estate Transactions

    00:22:37 Selling America's Sweetheart's Home

    00:23:59 Transitioning to Real Estate Development

    00:25:07 Building a High-End Development Team

    00:26:58 Challenges in Real Estate Development

    00:27:42 Diversification and Financial Strategies

    00:29:56 Long-Term Vision and Team Building

    00:30:42 Financial Wisdom and Investment Strategies

    Find Nicole Truszkowski on:

    Website: https://truszkowskifreedman.com/

    Facebook: https://www.facebook.com/nicole.truszkowski/

    Instagram: https://www.instagram.com/nicole_truszkowski/

    LinkedIn: https://www.linkedin.com/in/nicoletruszkowski/

    Average Joe Finances®

    All of our social media links and more: https://averagejoefinances.com/links

    About Mike: https://mikecavaggioni.com

    About Tawnya: https://www.themoneylifecoach.com/

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    Join us on Average Joe Finances as our guest Rachel Capil shares her journey from starting a photography business nearly 20 years ago to thriving in the real estate market. She discusses the impact of COVID-19 on her businesses, the importance of video content, and the lessons learned from her grandfather about financial literacy and investing. Rachel also delves into the significance of mindset, relationships, and having multiple income streams.

    In this episode:

    Explore Rachel’s journey from a passion for photography to a thriving entrepreneurial venture, demonstrating the power of turning a hobby into a profitable business.Learn how Rachel successfully transitioned to real estate, leveraging her background in commercial property management and using video marketing and YouTube to grow her business during the pandemic.Explore the importance of financial literacy and reinvesting earnings, sharing how early investments led to significant returns.Explore the power of a positive mindset and faith in overcoming challenges, as Rachel shared her personal experiences.Rachel provided practical advice for entrepreneurs, highlighting the need for backup income, good mentorship, and consistent saving and reinvesting.And so much more!

    Key Moments:

    01:40 Meet Rachel Capil: Entrepreneur and Real Estate Agent

    02:36 Rachel's Journey: From Photography to Real Estate

    04:12 Navigating the Real Estate Market During COVID

    06:20 The Power of Compounding Interest and Financial Literacy

    16:07 Balancing Multiple Income Streams and Mindset

    21:35 Investing Lessons and the Importance of Ethics

    28:18 Intuition and Financial Advisors

    28:55 Retirement Goals and Financial Planning

    31:13 Materialism and Character

    34:46 Financial Mistakes and Lessons Learned

    41:38 Real Estate Tips and Strategies

    43:37 Mindset and Financial Security

    47:07 Recommended Books and Resources

    51:29 Closing Thoughts and Contact Information

    Find Rachel Capil on:

    LinkedIn: https://www.linkedin.com/in/rachel-capil-44aa039/

    Photography Accounts:

    Website:

    https://www.photobizacademy.com/

    https://www.rachelcapilphotography.com/

    Facebook: https://www.facebook.com/rachelcapilphotography/

    Instagram: https://www.instagram.com/rachelcapilphotography/

    Real Estate Accounts:

    Website: https://rachelcapil.kw.com/

    Facebook: https://facebook.com/RachelCapilRealEstate/

    Tiktok: https://www.tiktok.com/@rachelcapil

    Average Joe Finances®

    All of our social media links and more: https://averagejoefinances.com/links

    About Mike: https://mikecavaggioni.com

    About Tawnya: https://www.themoneylifecoach.com/

    Show Notes add-on continued here: https://averagejoefinances.com/show-notes/

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    Join us on Average Joe Finances as our guest Lisa Schader discusses her background and journey towards financial independence, emphasizing the importance of financial education, especially for women. She explores strategies for investing, budgeting, and empowering individuals to take control of their financial future. Lisa also highlights her approach to making financial topics engaging and accessible through her social media platforms and challenges

    In this episode:

    Explore the importance of building a supportive financial community, emphasizing a mindset of abundance and shared success over competition.Learn the value of living below your means and prioritizing investing during the first ten years of your career, a strategy that helped Lisa and her husband achieve a million-dollar net worth before their forties.Empower women through financial knowledge, highlighting its necessity for preparing for unforeseen circumstances and ensuring long-term security.Address common financial myths and missteps, such as cash hoarding, and promote leveraging financial technology and robo-advisors for accessible investment management.And so much more!

    Key Moments:

    00:01:37 Special Guest: Lisa Shader from Money Fit Moms

    00:03:31 Lisa's Background and Financial Journey

    00:05:04 The Basics of Financial Independence

    00:09:28 The Power of Early Investing

    00:16:04 Empowering Women in Finance

    00:22:12 Financial Confidence for Women

    00:23:33 The Importance of Financial Awareness

    00:26:51 Money Fit Challenge: Step-by-Step Guide

    00:30:53 Navigating Financial Conversations in Relationships

    00:35:13 Investing Tips and Mistakes to Avoid


    Find Lisa Schader on:

    Website: https://moneyfitmoms.com/

    Instagram: https://www.instagram.com/moneyfitmoms

    Twitter: https://twitter.com/moneyfitmoms

    LinkedIn: https://www.linkedin.com/in/lisa-schader/

    Threads: https://www.threads.net/@moneyfitmoms

    Average Joe Finances®

    All of our social media links and more: https://averagejoefinances.com/links

    About Mike: https://mikecavaggioni.com

    About Tawnya: https://www.themoneylifecoach.com/

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    In today's ever-changing financial landscape, there are few constants, but one universal truth remains: the importance of planning for retirement.

    Join us on Average Joe Finances as our guest Derek Mazzarell shares his journey from graduating in 2007 and working with Aflac to becoming a financial advisor at Gateway Financial Partners. The discussion covers important retirement planning misconceptions, the significance of not just aiming for a 'magic number' but ensuring long-term sustainability, and common financial mistakes like not diversifying tax buckets.

    In this episode:

    Derek Mazzarella emphasizes adopting a dynamic spending strategy over the static 4% withdrawal rule to better adjust spending based on market performance.The importance of diversification is highlighted, recommending a balanced approach across various assets to mitigate risks.Planning for unexpected expenses like home repairs or healthcare emergencies is discussed as crucial to a robust retirement plan.Derek advises younger investors to automate savings into different accounts and set up a "reverse budget" for steady financial growth.And so much more!

    Key Moments:

    00:01:36 Meet Derek Mazzarella

    00:01:52 Derek's Financial Journey

    00:03:19 Common Retirement Misconceptions

    00:08:08 Planning for Unexpected Expenses

    00:10:10 Diversifying Retirement Portfolios

    00:15:02 The FIRE Movement and Personal Finance

    00:24:01 Balancing Life and Finances

    00:26:26 Investment Strategies and Mortgage Tips

    00:29:01 Changes in Personal Finance Post-COVID

    00:31:51 Final Round: Personal Insights and Advice

    37:57 Derek's Book and Social Security Discussion

    Find Derek Mazzarella on:

    Website: http://mygfpartner.com

    LinkedIn Page: https://www.linkedin.com/in/derekmazzarella

    Facebook: https://www.facebook.com/MazzarellaFinancial

    YouTube: https://www.youtube.com/channel/UCECWcetQoE_07hoxKCaLZBg/

    Average Joe Finances®

    All of our social media links and more: https://averagejoefinances.com/links

    About Mike: https://mikecavaggioni.com

    About Tawnya: https://www.themoneylifecoach.com/

    Show Notes add-on continued here: https://averagejoefinances.com/show-notes/

    *DISCLAIMER* https://averagejoefinances.com/disclaimer

    See our full episode transcripts here: https://podcast.averagejoefinances.com/episodes

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