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Join us on Average Joe Finances as our guest Dr. Kimberly Harms shares her compelling life story, involving personal challenges, the loss of her child and husband, and how these experiences shaped her career and mission in life. She talks about the significance of being financially and emotionally prepared, and how to create a legacy that ensures your loved ones are taken care of after you are gone.
Learn to embrace resilience by transforming personal trials into opportunities for purpose and growth.Discover the importance of legacy planning that balances emotional preparation with practical organization.Understand the value of confronting mortality to create a meaningful legacy of love and foresight.Grasp the healing power of reconciliation in resolving conflicts and easing the grieving process.And so much more!
In this episode:Key Moments:
00:03:02 Meet Dr. Kimberly Harms
00:03:22 Dr. Harms' Life Story
00:05:15 Overcoming Personal Tragedies
00:06:39 Legacy and Resilience
00:14:08 Financial Planning and Downsizing
00:18:21 Importance of Legacy Planning
00:22:41 Facing Death and Procrastination
00:25:29 Overcoming Procrastination in Estate Planning
00:25:59 The Intimidation of the Word 'Estate'
00:27:06 The Importance of Planning While Healthy
00:27:51 Steps to Effective Estate Planning
00:28:48 Emotional Affairs and Reconciliation
00:32:50 Lessons from Rwanda on Forgiveness
00:34:17 Biggest Financial Mistakes and Scams
00:35:59 Downsizing and Letting Go of Stuff
00:39:32 Tips for Getting Started with Estate Planning
00:41:51 The Power of Trust and Giving
Find Dr. Kimberly Harms on:
Website: https://www.drkimberlyharms.com/
LinkedIn: https://www.linkedin.com/in/kim-harms-bb524666/
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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*DISCLAIMER* https://averagejoefinances.com/disclaimer
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Join us on Average Joe Finances as our guest Christian Osgood, the owner of Multifamily Strategy, shares his journey from saving for financial freedom to acquiring over 200 rental units. He emphasizes the importance of setting clear goals, the value of building relationships in the real estate industry, and the significance of focusing on one niche area to build a successful business.
Learn how creative financing can unlock opportunities without relying on traditional savings.Discover the importance of setting clear financial goals to accelerate growth.Understand the value of sustainable strategies like cash flow and long-term debt in real estate.Master the art of relationship-building to access seller-financed deals and unique opportunities.Realize the importance of staying focused on core goals to avoid costly distractions.Embrace the balance of profitability and social impact through community-focused investments.
In this episode:Key Moments:
00:01:20 Christian Osgood's Journey Begins
00:02:16 Setting Goals and Overcoming Challenges
00:03:39 Meeting Cody Davis and Learning Seller Financing
00:05:36 Scaling Up and Principles of Real Estate Investment
00:08:39 Creative Financing and Building Relationships
00:15:49 Mindset Shift and Goal Setting
00:21:57 Future Goals and Coaching Insights
00:24:20 Setting Ambitious Goals
00:25:00 Passion for Low-Income Housing
00:26:53 Challenges and Successes in Real Estate
00:29:52 The Importance of Focus in Business
00:32:55 Lessons from Financial Mistakes
00:41:31 Advice for Aspiring Investors
00:43:04 Recommended Books and Resources
00:46:37 Where to Find More Information
00:48:13 Conclusion and Final Thoughts
Find Christian Osgood on:
Website: Multifamilystrategy.com
LinkedIn: https://www.linkedin.com/in/christian-osgood-10a95b71/
Facebook: https://www.facebook.com/christian.osgood
Instagram: https://www.instagram.com/christianosgood/
Youtube: https://www.youtube.com/@Multifamilystrategy
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 Roy Snarr, a successful financial services entrepreneur, shares his compelling life story, detailing his challenging journey from a middle-class background to building a thriving financial services agency specializing in asset protection, life insurance, annuities, and long-term care. Gain insights into his strategies for succeeding in business, overcoming adversity, and maintaining work-life balance.
In this episode:
Learning the value of hard work and resilience reveals that true success requires dedication and perseverance.Discovering the power of strategic time management shows how disciplined time use boosts productivity and creates new opportunities.Understanding the role of adaptability in business growth demonstrates the importance of embracing change to thrive in any environment.Grasping the necessity of persistence in entrepreneurship emphasizes that building a business requires time, patience, and ongoing effort.Exploring the impact of mindset on overcoming challenges highlights the role of resilience in managing setbacks with a positive outlook.Key Moments:
00:00:58 Meet Roy Snarr: From Humble Beginnings to Financial Services
00:03:28 The Turning Point: A Life-Altering Accident
00:05:01 Discovering Financial Services and Early Struggles
00:07:20 Achieving Success: The First $100K and Beyond
00:21:54 Balancing Success and Personal Life
00:23:52 Delegation and Overcoming Entrepreneurial Challenges
00:24:54 Taking Risks and Building Confidence
00:27:06 Adapting to the COVID-19 Pandemic
00:31:41 Lessons Learned and Financial Tips
00:33:55 The Final Round: Key Questions and Insights
Find Roy Snarr on:Website: www.RoySnarr.com
LinkedIn: https://www.linkedin.com/in/roythomassnarr/
Facebook: https://www.facebook.com/roysnarrretirementsolutions
X: https://twitter.com/roytsnarr
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 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.
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!
In this episode: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/
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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.
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!
In this episode: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/
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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.
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!
In this episode: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
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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.'
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!
In this episode: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/
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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
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!
In this episode: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/
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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.
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!
In this episode: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.
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!
In this episode: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/
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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.
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!
In this episode: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 OutroFind 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/
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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.
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!
In this episode: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/
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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.
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!
In this episode: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/
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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.
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!
In this episode: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/
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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.
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!
In this episode: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/
Show Notes add-on continued here: https://averagejoefinances.com/show-notes/
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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.
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!
In this episode: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/
Show Notes add-on continued here: https://averagejoefinances.com/show-notes/
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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.
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!
In this episode: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 AppreciationTed 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/taxlienauthorityAverage Joe Finances®
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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.
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!
In this episode: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/
Show Notes add-on continued here: https://averagejoefinances.com/show-notes/
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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/
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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