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Join us on Average Joe Finances as our guest Pete Neubig, co-founder and CEO of VPM Solutions, shares his 30-year journey from an average student in high school to co-founding a company that specializes in providing virtual assistance for real estate and property management. Pete discusses critical lessons learned from his experiences in IT and real estate investment, including the challenges of managing low-income properties and starting a business.
In this episode:
Discover how smart financial management fuels entrepreneurial success and business growth.Learn why focusing on one business venture is key to building lasting entrepreneurial success.Uncover how solving real-world problems can turn challenges into thriving real estate and tech businesses.Grasp how strong partnerships and aligned financial goals drive long-term success in entrepreneurship and investing.And so much more!Key Moments:
00:59 Guest Introduction: Pete Neubig
01:34 Pete's Early Career and Real Estate Journey
05:04 Building a Property Management Business
09:08 Lessons Learned and Business Growth
16:52 Personal Finance Philosophy
21:51 The Importance of a Supportive Partner
22:34 First Investment and Financial Struggles
23:06 Current Real Estate Strategy
23:42 Retirement and Cash Flow Plans
24:49 Service-Based vs. Tech Businesses
26:11 The Role of a Partner in Financial Decisions
32:27 Lessons from Financial Mistakes
36:10 Advice for Aspiring Entrepreneurs
37:30 Recommended Books and Resources
39:07 About VPM Solutions
41:40 Conclusion and Final Thoughts
Find Pete Neubig on:
Website: www.vpmsolutions.com
LinkedIn: https://www.linkedin.com/in/pete-neubig/
Facebook: https://www.facebook.com/pete.neubig.1
X: x.com/VPM_Solutions
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About Mike: https://mikecavaggioni.com
About Tawnya: https://www.themoneylifecoach.com/
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Join us on Average Joe Finances as our guest Jay Balekar, shares his inspiring journey from growing up in India to becoming a successful real estate investor in the U.S. Jay discusses his background in cybersecurity, his early exposure to Robert Kiyosaki's 'Rich Dad, Poor Dad,' and how he transitioned into multifamily real estate. He emphasizes the importance of education, careful underwriting, having ample reserves, and the value of networking and mentorship.
In this episode:
Explore how strategic self-education can accelerate your entry into multifamily investing.Uncover the power of networking and mentorship in scaling your real estate portfolio.Absorb the value of financial discipline—avoid risky debt and build strong reserves.Grasp why adapting to market shifts with operational excellence is key to long-term success.And so much more!Key Moments:
00:00 Introduction and Welcome
00:55 Guest Introduction: Jay Balekar
01:30 Jay's Early Life and Education
02:38 First Steps into Real Estate
03:49 First Multifamily Property Experience
05:18 Challenges and Lessons Learned
14:00 Networking and Growth
16:49 Market Changes and Strategies
25:57 Final Round: Key Questions
34:54 Final Thoughts and Farewell
Find Jay Balekar on:
Website: https://www.prospercapitalco.com/
Facebook: https://www.facebook.com/jaideep.balekar
LinkedIn: https://www.linkedin.com/in/jaideepbalekar/
Average Joe Finances®
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About Tawnya: https://www.themoneylifecoach.com/
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Join us on Average Joe Finances as our guest Giang Nguyen from One River Capital, shares her inspiring story of transitioning from a biology major to real estate investing, starting with a single-family foreclosure and scaling up to a multifamily portfolio that allowed her to leave her W2 job and pursue her passion for salsa dancing. She discusses overcoming challenges, the importance of community and mentorship, and tips for new investors.
In this episode:
Discover the power of aligning your investments with your personal "why" for lasting motivation.Absorb the importance of starting before you're ready—progress comes from doing, not waiting.Grasp how community and mentorship can fast-track your growth and minimize costly mistakes.Understand that calculated risks and collaboration are key to scaling your real estate portfolio.And so much more!Key Moments:
00:54 Meet Giang: From Vietnam to Multifamily Investor
01:36 Giang's Real Estate Journey Begins
02:38 Scaling Up: From Single Family to Multifamily
04:15 The Importance of Taking Action
07:04 Finding Your Why in Real Estate Investing
11:01 Overcoming Mistakes and Learning from Experience
16:10 Tips for Aspiring Real Estate Investors
18:22 Recommended Books and Resources
20:37 Connect with Giang and Final Thoughts
Find Giang Nguyen on:
Website: https://onerivercapital.com/
Facebook: https://www.facebook.com/thatsalsainvestor/
Instagam: https://www.instagram.com/thatsalsainvestor
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 Marcia Dawood, a seasoned angel investor, shares her journey from corporate America to discovering the world of angel investing. She explains how angel investing is accessible even for those who aren't super wealthy and discusses the importance of diversification and having a solid investment thesis. The conversation delves into different types of crowdfunding, including equity crowdfunding and debt crowdfunding, as well as the challenges and opportunities in the current investment landscape.
In this episode:
Discover how angel investing is more accessible than ever, with opportunities starting at just $50.Learn why diversification and due diligence are key to building a strong investment portfolio.Understand how to spot truly innovative startups beyond the hype of trending buzzwords.Explore alternative investing approaches like debt crowdfunding for lower-risk entry points.And so much more!Key Moments:
00:55 Guest Introduction: Marcia Dawood
01:27 Marcia's Journey into Angel Investing
02:59 Understanding Angel Investing
05:07 Comparing Angel Investing to Real Estate Syndication
05:49 The Role of Funds in Angel Investing
06:54 Risks and Rewards of Angel Investing
12:36 Marcia's Book: Do Good While Doing Well
15:21 Equity Crowdfunding and Platforms
18:32 Debt Crowdfunding Explained
25:30 Podcast Milestones and Notable Guests
25:40 Democratizing Private Investing
Find Marcia Dawood on:
Website: https://www.marciadawood.com/
LinkedIn: https://www.linkedin.com/in/marciadawood/
Facebook: https://www.facebook.com/marcia.dawood
Average Joe Finances®
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About Mike: https://mikecavaggioni.com
About Tawnya: https://www.themoneylifecoach.com/
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Join us on Average Joe Finances as our guest Joe Downs, CEO of Belrose Storage Group, shares his 17-year journey in commercial real estate. Joe recounts his early career as a financial advisor, the impact of 9/11 on his career shift, and his ventures, including owning a bar and moving into real estate. Joe delves into his current focus on the self-storage industry, offering insights into market dynamics, the importance of mentorship, and the unique opportunities in storage, especially during economic cycles.
In this episode:
Learn how adaptability and resilience can turn career setbacks into real estate success.Discover why self-storage is an overlooked yet profitable niche in commercial real estate.Understand the importance of seeing opportunity in every deal, even beyond your initial criteria.Gain insights on why hands-on business oversight is key to long-term investment success.And so much more!Key Moments:
00:00 Introduction and Welcome
01:00 Guest Introduction: Joe Downs
01:23 Joe's Journey into Real Estate
01:39 From Financial Advisor to Real Estate
02:00 The Impact of 9/11 and Career Shift
02:56 Venturing into Real Estate
04:00 Owning a Bar: Lessons Learned
04:57 Transition to Radio and Real Estate
07:14 Discovering Self Storage
09:28 The Self Storage Business Model
13:20 Challenges and Opportunities in Storage
27:49 Advice for Aspiring Investors
31:24 Final Thoughts and Contact Information
Find Joe Downs on:
Website: https://www.belrosestoragegroup.com/
Instagram: https://www.instagram.com/belrosestoragegroup/
Facebook: https://www.facebook.com/belrosestoragegroup
LinkedIn: https://www.linkedin.com/in/joe-downs-7990851/
Youtube: https://www.youtube.com/@belrosestoragegroup
Average Joe Finances®
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About Mike: https://mikecavaggioni.com
About Tawnya: https://www.themoneylifecoach.com/
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Join us on Average Joe Finances as our guest Darius Ross, a seasoned entrepreneur with over 30 years of experience. Darius shares his serendipitous entry into entrepreneurship, his experiences with real estate investment, consulting for equity, and the creation of educational materials from his many business lessons. He emphasizes the importance of adaptability, the 'guerrilla mentality,' salesmanship, and constant learning.
In this episode:
Learn how embracing adaptability and strategic thinking can fuel entrepreneurial success.Discover why intellectual contributions often outweigh capital investments in building wealth.Understand the power of the "gorilla mentality" in navigating business challenges and competition.Gain insights on why accountability and self-reflection are crucial for personal and professional growth.And so much more!Key Moments:
00:58 Guest Introduction: Darius Ross
01:27 Darius's Entrepreneurial Journey
02:34 First Business Venture: Real Estate
04:36 Consulting and Equity
05:23 Leadership and Writing Books
07:37 Gorilla Mentality Explained
13:43 Entrepreneurial Mindset and Challenges
19:28 Final Round: Mistakes and Lessons
25:44 Closing Thoughts and Wisdom
Find Darius Ross on:
Website :https://www.dariusaross.com/
LinkedIn: https://www.linkedin.com/in/darius-ross-0316626/
Facebook: https://www.facebook.com/dariusaross1
X: https://x.com/dacatman
Instagram: https://www.instagram.com/darreexec/
Average Joe Finances®
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About Mike: https://mikecavaggioni.com
About Tawnya: https://www.themoneylifecoach.com/
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Join us on Average Joe Finances as our guest Steve Selengut, a professional investment manager with over 40 years of experience and the author of 'Retirement Money Secrets’, shares his journey into investment management, emphasizing the importance of diverse income streams, market volatility, and income-focused investing. He discusses his father's influence on his understanding of income generation, his early experiences in handling investment portfolios, and his strategy for using closed-end funds to secure steady income.
In this episode:
Learn how income-focused investing can create financial stability in retirement, even during market fluctuations.Discover why closed-end funds offer a reliable monthly income stream and long-term wealth-building potential.Understand the power of embracing market volatility rather than fearing it, using strategic investment approaches.Gain insights into aligning your financial strategy with personal goals for a secure and stress-free retirement.And so much more!Key Moments:
00:59 Meet Steve Selingut: A Veteran Investment Manager
01:22 Steve's Early Investment Journey
03:44 Investment Strategies and Market Insights
06:45 The Importance of Income Streams
09:28 Closed-End Funds Explained
15:47 Steve's Biggest Financial Lessons
20:12 Advice for New Investors
22:42 Steve's Recommended Resources
24:41 Where to Find More About Steve
Find Steve Selengut on:
Website: https://theincomecoach.net/
LinkedIn: https://www.linkedin.com/in/privateinvestmentmanagement/
Youtube: https://www.youtube.com/@steveselengut
Average Joe Finances®
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About Tawnya: https://www.themoneylifecoach.com/
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Join us on Average Joe Finances as our guest Daniel Kong, a former software developer turned real estate investor, shares his journey from working 20 years in a W2 job to achieving financial freedom through real estate investing, specifically using the BRRR strategy. He discusses the transition from passive income to active income, the importance of networking, and how to effectively manage and buy back time. Daniel also delves into the importance of taking immediate action on learned knowledge and offers insights into his current focus on active business and construction projects.
Learn how decisive action and adaptability are key to transforming career paths and achieving financial freedom.Understand the balance between active and passive income to optimize growth and long-term stability.Realize the importance of leveraging time through strategic outsourcing and effective time management.Discover the power of networking and mentorship in unlocking new opportunities and strengthening vision.And so much more!
In this episode:Key Moments:
00:56 Guest Introduction: Daniel Kong
01:49 Daniel's Journey into Real Estate
03:10 First Steps in Real Estate Investing
05:21 Building a Real Estate Portfolio
06:19 Active vs Passive Income Strategies
09:15 Ground-Up Construction Projects
10:54 Investor Relations and Fund Management
16:05 Balancing Business and Social Media
17:46 The Importance of Time in Building Passive Income
19:19 Strategies for Buying Back Time
20:12 Balancing Business and Personal Life
21:30 Outsourcing and Delegating Tasks
23:33 Making the Most of Free Time
28:51 Final Round: Personal Finance and Business Insights
33:27 Closing Thoughts and Final Advice
Find Daniel Kong on:
Websites:
https://www.sunsetcapitalinvestments.com/
https://www.danielkong808.com/
Facebook: https://www.facebook.com/danielkong808
Instagram: https://www.instagram.com/danielkong808
Tiktok: https://www.tiktok.com/@danielkong808
Youtube: https://www.youtube.com/@danielkong808
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 Krista Reuther, the Senior Education Content Manager at TurboTenant, shares her journey into the industry starting as a freelance writer and editor in college, her growth into real estate content creation, and how she assists landlords and renters in saving money through data-driven content. Krista also offers valuable resources available on TurboTenant and highlights influential figures and recommendations in the real estate domain.
Learn the importance of using data-driven content to educate landlords and tenants.Discover the value of local property management before transitioning to remote investments.Grasp the necessity of thorough tenant screening to ensure successful rental relationships.Understand the legal requirements around fair housing to maintain compliance and avoid pitfalls.And so much more!
In this episode:Key Moments:
00:00 Introduction and Welcome
00:56 Meet Krista Reuter: Senior Education Content Manager at TurboTenant
01:31 Krista's Journey into Real Estate and Freelance Writing
03:57 TurboTenant and Empowering Landlords
05:37 Tips for New Landlords and Tenant Screening
16:47 Navigating Emotional Support Animals and Service Animals
23:19 Final Thoughts and Resources
29:15 Closing Remarks and Call to Action
Find Krista Reuther on:
Website: https://www.turbotenant.com/
LinkedIn: https://www.linkedin.com/in/krista-reuther-writer/
Spotify: Kitcaster
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 Larry Mietus, the 'Chief Excuse Obliterator,' to discuss leadership, accountability, and company culture. Larry shares his journey as a business consultant and author, highlighting his approach to transforming excuses into solutions.From personal anecdotes to professional strategies, Larry provides valuable advice for leaders and entrepreneurs looking to enhance their business operations and personal growth.
Learn to identify and replace excuses with actionable solutions for transformative growth.Understand that transparency and accountability build a results-driven, empowered workplace culture.Realize the importance of continuous learning and self-education as tools for leadership and success.Discover how fostering ownership and teaching business fundamentals drive team innovation and alignment.And so much more!
In this episode:Key Moments:
00:57 Meet Larry Midas: The Chief Excuse Obliterator
01:28 The Journey to Becoming an Author
02:26 Excuses in Business: Identifying and Eliminating Them
04:00 Creating a Solution-Oriented Culture
04:56 Teaching Employees to Think Like Owners
05:39 The Importance of Loving Your Work
08:30 Transparency and State of the Company Meetings
10:55 The Role of Leadership in Employee Success
15:58 Observing and Improving Company Culture
17:47 The Pitfalls of Success and Complacency
21:20 Financial Literacy and Business Success
23:08 Living Below Your Means
23:29 Warren Buffett's Frugality: Lessons from a Billionaire
24:24 Understanding Business Valuation
27:01 The Art of Business Focus: Narrow vs. Broad Strategies
27:54 Biggest Financial and Business Mistakes
30:57 Tips for Aspiring Entrepreneurs
35:01 Recommended Reads
37:19 Final Words of Wisdom
39:38 Conclusion: Stay Accountable and Keep Learning
Find Larry Mietus on:
Website: https://speakingofstrategy.com/
LinkedIn: https://www.linkedin.com/in/larrymietusspeakingofstrategy/
X: https://x.com/larrymietus
Youtube: https://www.youtube.com/@leadershiplarry9468
Average Joe Finances®
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About Mike: https://mikecavaggioni.com
About Tawnya: https://www.themoneylifecoach.com/
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Join us on Average Joe Finances as our guest Moshe Popack, chairman of YMP Real Estate Management, discusses his journey from New York to Miami, his initial struggles, and how he turned to real estate after losing his job during the 2007-08 financial crisis. He also shares practical tips for getting started in real estate and emphasizes the need for continual self-improvement and clarity of vision.
Understand that adaptability and resilience are key to navigating economic challenges and thriving in uncertainty.Learn that passion and genuine interest in your work fuel long-term success and prevent burnout.Recognize the value of inclusive leadership and diverse perspectives for stronger, innovative teams.Discover the importance of starting small, taking calculated risks, and aligning with the right partners.And so much more!
In this episode:Key Moments:
00:00:27 Moshe Popak's Background and Family Life
00:01:15 Starting Over in Miami
00:01:53 Transition to Real Estate
00:03:04 Entrepreneurial Mindset and Challenges
00:04:01 Importance of Vision and Execution
00:04:15 Navigating the Real Estate Industry
00:05:06 Breaking Free from Comfort Zones
00:07:04 Financial Management and Resilience
00:16:18 Empowering Women in Business
00:17:58 Realizing the Need for Financial Literacy
00:18:11 Commitment to Learning and Seeking Support
00:19:07 Faith and Financial Awakening
00:19:39 The Role of Faith in Entrepreneurship
00:20:40 Overcoming Fear and Embracing Failure
00:20:57 The Importance of Non-Judgment
00:22:01 Youth and the Value of Hard Work
00:26:23 The Power of Partnerships
00:27:14 Tips for Real Estate Beginners
00:31:51 Final Thoughts and Words of Wisdom
Find Moshe Popack on:Website: https://moshepopack.com/
LinkedIn: https://www.linkedin.com/in/mpopack/
Facebook: https://www.facebook.com/MoshePopack
Instagram: https://instagram.com/mpopack
Youtube: https://www.youtube.com/@mpopack
Podcast: https://moshepopack.com/podcast/
Average Joe Finances®
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About Tawnya: https://www.themoneylifecoach.com/
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Join us on Average Joe Finance hosts Mike Cavaggioni and Tanya discuss their reflections on 2024 and share their goals and strategies for a successful 2025. They emphasize the importance of being present, setting intentions, and reflecting on achievements and shortcomings to improve for the future. They also touch on planning for potential investments, building liquidity, and considering alternative lifestyles such as becoming an expat. The episode concludes with advice on celebrating wins and being intentional about personal and financial goals.
Discover the power of mindfulness in achieving financial and personal growth.Understand the value of compound interest in long-term wealth building.Embrace change by exploring new living environments and career paths.Reflect on your goals regularly to stay focused and intentional in your actions.And so much more!
In this episode:Key Moments:
00:00:19 Reflecting on 2024: Personal Growth and Challenges
00:01:19 Financial Strategies and Investment Insights
00:06:27 Exploring Expat Life and International Living
00:12:19 Setting Goals and Intentions for 2025
00:16:09 Balancing Life: Fun, Finances, and Personal Time
00:22:20 Closing Thoughts and Future Plans
Average Joe Finances®
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About Mike: https://mikecavaggioni.com
About Tawnya: https://www.themoneylifecoach.com/
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Join us on Average Joe Finances as our guest Elizabeth Bieniek, an accomplished entrepreneur and author of “Cake on Tuesday: 25 Lessons to Unlock Corporate Innovation”, shares her unconventional career journey from studying creative writing to becoming an entrepreneur in the tech industry. She discusses the value of starting with a fresh perspective, the importance of asking 'why,' and the role of embracing and leveraging diverse teams for innovation. Elizabeth also highlights the challenges and opportunities she faced, offering practical advice on entrepreneurship and the significance of investing in oneself.
Discover the power of embracing curiosity—it opens doors to opportunities and fuels innovation.Realize that action conquers fear; momentum builds success one step at a time.Acknowledge the strength in "not knowing"; vulnerability fosters collaboration and growth.Explore the impact of small gestures—creativity and kindness elevate team morale and drive progress.And so much more!
In this episode:Find Elizabeth Bieniek on:
Website: https://www.elizabethbieniek.com/
LinkedIn: https://www.linkedin.com/in/elizabethbieniek/
Instagram: https://www.instagram.com/cakeontuesday/
Email: [email protected]
Average Joe Finances®
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About Mike: https://mikecavaggioni.com
About Tawnya: https://www.themoneylifecoach.com/
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Join us on Average Joe Finances as our guest Larisa Olteanu from Unshakable Wealth shares her inspiring story of overcoming a tumultuous childhood and severe financial hardships. Arriving in the U.S. with just $20, Larissa details her journey from learning English on the job to earning a finance degree and working with ExxonMobil. She further explains how she transitioned to founding Unshakable Wealth, with a mission to empower others, especially women, in their financial journeys.
Discover how resilience in adversity builds strength and financial responsibility.Understand how education unlocks opportunities for lasting financial independence.Learn how shifting to a growth mindset transforms challenges into opportunities.Gain insight into empowering others through financial literacy and shared knowledge.And so much more!
In this episode:Key Moments:
00:01:13 Introducing Guest: Larisa Olteanu from Unshakable Wealth
00:01:35 Larisa's Inspiring Journey
00:01:53 Lessons from a Challenging Childhood
00:03:41 Navigating Financial Hardships and Early Responsibilities
00:06:13 Adapting to a New Life in the U.S.
00:08:31 The Importance of Education and Personal Growth
00:11:50 Shifting Mindsets: From Victim to Victor
00:17:43 Investing in Real Estate and Personal Development
00:20:13 Challenging Beliefs About Wealth and Success
00:23:32 Transitioning to Unshakable Wealth
00:25:47 Balancing Motherhood and MBA
00:26:11 Turning Down Job Offers for a Dream
00:26:51 Understanding Personal Finance Challenges
00:28:32 Empowering Women in Finance
00:32:03 Final Round Questions
00:33:43 Practical Financial Tips and Mindset
00:37:30 Networking and Learning from the Wealthy
00:42:11 Recommended Books and Resources
00:45:41 Where to Find More Information
00:47:21 Closing Remarks and Call to Action
Find Larisa Olteanu on:
Website: https://www.shakeablewealth.com
LinkedIn: https://www.linkedin.com/in/larisa-olteanu/
Average Joe Finances®
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About Tawnya: https://www.themoneylifecoach.com/
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Join us on Average Joe Finances as our guest Curtis May, the host of The Practical Wealth Show Podcast and the creator and owner of Practical Wealth Advisors. Curtis has been planning for individuals for more than 35 years, and he is passionate about helping his clients save money and live the very best life they can right now. The primary focus of his financial planning firm is to help businesses and families become financially free by following the principles of wealth creation that have endured for centuries around the world.
The importance of understanding cash flow, the differences between saving and investing, and principles for wealth creation. Challenges common financial advice, such as solely relying on 401(k)s and mutual funds, and emphasizes the value of holistic planning and financial literacy.Discussing topics like debt management and proactive financial planning.Practical tips for those starting their investment journeys and the importance of continual learning in personal finance.And so much more!
In this episode:Key Moments:
00:44 Curtis May's Background and Journey
03:11 Financial Philosophy and Influences
05:47 Practical Financial Strategies
10:47 Cashflow Management and Budgeting
21:07 Debt Management and Financial Literacy
24:13 Debt Restructuring Insights
25:11 Understanding Constructive vs. Destructive Debt
25:45 Financial Literacy and Income Types
26:07 The Four Rules of Financial Institutions
27:44 The Importance of Skillset and Mindset
30:25 Entrepreneurial Challenges and Realities
32:20 Final Round: Financial Mistakes and Lessons
34:55 Investing Tips and Rules
36:58 Favorite Books and Resources
39:05 The Power of Financial Games
40:48 Where to Find More Information
45:21 Closing Remarks and Gratitude
Find Curtis May on:
Website: https://www.practicalwealth.net/
LinkedIn: https://www.linkedin.com/in/curtismay/
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 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/
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 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/
*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.
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/
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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