Average Joe Finances

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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.

In this episode:

• 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!

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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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.

In this episode:

• 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.

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/

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*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.

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/

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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

Support the show