Average Joe Finances

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.

In this episode:

• 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!

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®

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 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.

In this episode:

• 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!

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®

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 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.

In this episode:

• 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!

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/

*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 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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*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.

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

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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

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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/

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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/

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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/

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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 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

Send us Fan Mail

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