In this episode of Bartelle's Money Talk, Theresa Bartelle sits down with certified financial planner Monica Kaufman to unpack the truth about money — and why it’s just a tool, not a master.

Monica shares powerful, real-life stories and strategies to help you:

• Break free from generational financial habits

• Build an emergency fund without sabotaging debt payoff

• Use money strategically to create the life you actually want

• Escape the pressure of impressing others and start building wealth

• Understand the difference between income and wealth

💡 You’ll learn how to reframe your mindset, create a plan that works for YOU, and take ownership of your financial future.

📌 Key Topics Covered:
0:00 – Welcome & Monica’s background
2:30 – Why 80% of people are financially illiterate
6:15 – The danger of living without an emergency fund
10:31 – The "fitness rubric" for financial health
14:55 – Wealth vs. income: why they’re not the same
20:00 – Breaking free from shame and status pressure
26:48 – The trap of luxury spending & status symbols
33:25 – Balancing debt payoff and emergency savings
38:43 – Money as a tool, not a master
41:07 – How to work with Monica Kaufman

💬 Drop a comment with your biggest takeaway from Monica’s advice.

What if everything you thought you knew about credit card debt was wrong?

In this episode of Bartelle's Money Talk, Johnny sits down with Tommy Kilpatrick, a retired teacher, author, and financial truth-teller, who reveals a legal and linguistic twist that could change how you see credit card debt forever.

Tommy explains:

• Why he calls it alleged credit card debt
• How banks operate without invoices or promissory notes
• The difference between a true credit card and a bank-issued “gift card”
• How one word could put the burden of proof back on the bank
• His step-by-step approach to closing accounts and removing debt from credit reports

This conversation will challenge your assumptions, open your eyes, and might just save you thousands.

📌 FREE Consultation with Tommy

Connect with Tommy A. Kilpatrick on Facebook and mention this podcast for a free 50-minute consultation and a copy of his book How to Nuke Your Credit Card Debt (regularly $69).

🎧 Listen, Share, Subscribe

If this episode challenged your thinking, share it with a friend and subscribe for more financial insights and strategies.

Thinking about buying a franchise? 🤔
Before you sign on the dotted line, hear from Max Emma, CEO, franchise owner, and Certified Franchise Executive (CFE), who has helped hundreds of people find the right business to fit their goals.

In this episode of Bartelle's Money Talk, Max breaks down:
✅ The pros and cons of franchise ownership
✅ How to know if franchising is right for you
✅ The real costs beyond the franchise fee
✅ Financing options like SBA loans
✅ Common mistakes new franchisees make—and how to avoid them

Whether you’re looking at a home-based business or a million-dollar restaurant, this conversation will help you make a smarter, safer investment.

📌 Connect with Max:
https://franchisewithmax.com

🎧 Subscribe to Bartelle's Money Talk for more insights on building wealth, starting a business, and achieving financial freedom.

#Franchise #Franchising #BusinessOwnership #Entrepreneurship #FinancialFreedom #BartellesMoneyTalk

What if you could turn your 9–5 into the fuel for complete financial freedom?
In this powerful episode of Bartelle's Money Talk, we sit down with Makeda — tech sales superstar, homesteader, and founder of Seed & Society — who shares how she made over $1M in just four years, paid off her land in cash, and built a 10-acre mortgage-free homestead… all while raising two kids.

You’ll hear:

• How Makeda used her 9–5 as a launchpad for freedom, not a life sentence

• Why she chose mortgage-free living over the “big house” lifestyle

• Practical steps to turn your paycheck into assets instead of debt

• How to start homesteading, even if you don’t have 10 acres

• The truth about generational wealth, trust funds, and preparing your family for the future

💡 This isn’t about fear — it’s about preparation and sovereignty.

📌 Connect with Makeda

• Website: SeedAndSociety.com

• Podcast: Seed & Society Podcast

• Email: [email protected]

🎧 Listen, Learn, Share
If this episode inspires you, share it with someone who needs to hear that their 9–5 can be the start of freedom, not the end of it.

In this episode of Bartelle's Money Talk, Johnny sits down with real estate specialist Jesse Sells to discuss a powerful approach to property investing that goes beyond profits. From growing up with humble beginnings to building thousands of units, Jesse shares how his pivotal moment came when he realized the real impact real estate can have on people’s lives.

They dive into lessons learned from costly mistakes, the importance of mentorship, and his groundbreaking work in public housing—revitalizing communities while helping residents break free from government dependency through AI-driven job placement and training programs.

If you’ve ever wondered how to make money while making a difference, this conversation will inspire you to rethink real estate, wealth, and impact.

In this eye-opening episode, host Theresa Bartelle sits down with Morgan Q. Anderson, EA, CEO of Golden Lion Tax Solutions, to share real-life IRS and tax horror stories you won’t believe. From hidden debts discovered after a spouse’s passing, to embezzlement, to devastating mistakes by trusted professionals—these true stories will make your eyebrows raise and your hair stand on end.

Morgan brings 26 years of experience helping individuals and businesses resolve tax debt, audits, and IRS disputes. She not only shares shocking cases but also gives practical, life-saving advice on:
✅ Protecting yourself in marriage & business partnerships
✅ Avoiding financial manipulation & abuse
✅ Safeguarding your business from theft & embezzlement
✅ Working with trustworthy tax professionals
✅ Recognizing the warning signs before it’s too late

Whether you’re a business owner, a spouse, or simply someone who wants to avoid IRS nightmares, this episode is packed with must-hear wisdom to keep you out of trouble.

📌 Connect with Morgan Q. Anderson
Website: Golden Lion Tax Solutions
LinkedIn: Morgan Q. Anderson

📌 Work with Bartelle's Financial Coaching
Call for a free consultation: 830-252-0320

🔔 Don’t forget to SUBSCRIBE for more episodes on financial empowerment, debt freedom, and business success!

#IRS #TaxTips #MoneyTalk #FinancialFreedom #BusinessOwner #TaxDebt #BartelsMoneyTalk

Are you living from profit to profit—or simply hoping your business survives month to month?

In this powerful episode of Bartelle's Money Talk, we sit down with Debbie Denight, an experienced bookkeeper and certified Profit First Professional, to reveal what most small business owners never hear: sales alone won’t save your business.

🧠 Debbie breaks down how to:

• Avoid financial ruin (even with high sales)

• Manage your cash flow with purpose

• Recognize the signs of profit leakage

• Stop living from panic to panic—and start living from Profit First

🔑 Topics include:
✅ Why sales - expenses = profit is backwards
✅ What is the Profit First method, and how does it work?
✅ Why some $6M businesses are still $1M in debt 😳
✅ How to avoid bad marketing traps
✅ The “5 Core Bank Accounts” every business needs
✅ Why your business should be paying your personal taxes
✅ What to do if you’re just starting—and don’t have the money yet

📘 Mentioned Book: Profit First by Mike Michalowicz
💻 Learn more at: https://rightwayprofits.com

🛠️ FREE BONUS: Get tips, tools, and Debbie’s DIY Profit First course online!

🚀 Would you take advice from a 19-year-old who’s already made over $4 million in sales for his clients? You should—because Drew Carmichael is the real deal.

In this episode of Bartelle's Money Talk, host Theresa Bartelle sits down with teenage entrepreneur Drew Carmichael—founder of The Cultivator, a global digital marketing agency. By age 19, Drew had already launched a profitable Amazon FBA brand, run Shopify stores, and built a thriving e-commerce and lead-gen agency.

🎯 Drew opens up about:

• Turning a school side hustle into a six-figure income

• Recovering from massive failures (like 100 massage guns arriving unannounced)

• Scaling businesses without a college degree

• Marketing tips for small-town businesses and non-product-based services

• The secret power of lead magnets and organic content

• Family legacy, grit, and why success doesn't wait for permission

📌 Whether you're a new entrepreneur or an experienced business owner needing fresh insight—this is a conversation you can’t miss.

👉 Need help scaling your business? Visit Drew’s agency: ⁠https://thecultivator.co⁠📲 Follow Drew on Instagram: ⁠@bydrewc⁠📞 Book a FREE consultation with Bartelle's Financial Coaching: 830-252-0320🌐 Learn more: ⁠bartelscoaching.com⁠

🔔 Like, Comment, Subscribe, and Share this video with someone building their future!

#entrepreneur #youngmillionaire #businesssuccess #ecommerce #marketingtips #bartellesmoneytalk #leadgeneration

In this powerful episode of Bartelle's Money Talk, we sit down with Eric Twiggs, a top executive coach, speaker, and author of The Discipline of Now, to tackle one of the most common enemies of financial progress and personal growth—procrastination.

🧠 What makes us delay the very things we know we should be doing?
💼 How does procrastination sabotage our income, businesses, and confidence?
📈 And what practical steps can we take to overcome it?

Eric shares from his experience coaching over 28,000 sessions and offers a five-step plan using his Procrastination Prevention Pyramid, which includes:

✅ Shifting your attitude and mindset
✅ Becoming aware of your productivity patterns
✅ Learning to schedule non-negotiable appointments with yourself
✅ Breaking through perfectionism and fear
✅ Building a life centered around clarity, confidence, and consistency

🔍 Highlights:
00:00 – Intro to Eric Twiggs
02:00 – The difference between good vs. great
04:00 – The first step: Winning the battle of your mind
07:00 – Who should you not share your goals with?
10:00 – How procrastination affects your finances
11:30 – The "appointment with yourself" trick
14:00 – Do you need a coach to break free?
20:00 – Eric’s 3 Nuggets to Beat Procrastination

🎯 Connect with Eric Twiggs:
📘 Book: The Discipline of Now – Available on Amazon
🌐 Website: https://ericmtwiggs.com
📧 Email: [email protected]

Welcome to another episode of Bartelle's Money Talk, where we dive deep into the tools, strategies, and mindset needed to build lasting financial freedom.

In this episode, Johnny Bartelle sits down with Stoy Hall, Certified Financial Planner and founder of Black Mammoth, to have a powerful conversation on how African-American families can begin building generational wealth. This discussion covers historical barriers like redlining and systemic inequality, but also moves into practical steps, including:

✅ What is generational wealth really?
✅ Why life insurance may be your easiest starting point
✅ How to have the "money talk" with your family
✅ The difference between debt and leverage
✅ When renting is smarter than buying a home
✅ Steps young adults can take to build wealth from day one
✅ Why fun money in your budget is essential for success
✅ 3 Simple Nuggets to Start Your Wealth-Building Journey

🔥 BONUS: Stoy shares the #1 mindset shift that every family needs to build lasting legacy wealth.

👉 Connect with Stoy Hall: https://blackmammoth.com
📞 Bartelle's Financial Coaching: Call 830-252-0320