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

What if your money could work harder than you do—not just double, but multiply 16x over time? 📈

In this value-packed episode of Bartelle’s Money Talk, we sit down with Scott Yamamura, author of Financial Epiphanyand a certified financial coach, to unlock practical strategies that anyone can use—no matter your income level—to build a lasting financial legacy.

🚀 In this episode, we cover:

• What financial paralysis is and how to break free
• The 3 Financial Epiphanies that could transform your future
• Why investing early is like having a “money superpower”
• How psychology and cultural pressure affect your financial decisions
• How to move from paycheck-to-paycheck to purpose-driven financial freedom

👉 BONUS: Scott explains how $1,000 can become $16,000 with the right timing—and gives you a free gift to help you get started today!

🎯 Free Download:

Visit https://www.financialepiphany.com to grab your free digital resource!

📚 Get the book Financial Epiphany now!

💬 Tell us: What’s your biggest financial goal this year? Drop it in the comments!

👍 Like, 🔁 Share, and ✅ Subscribe to stay updated on all things faith and finances.

#FinancialEpiphany #BartellesMoneyTalk #MoneyMindset #InvestSmart #PersonalFinance #DebtFreeJourney #FinancialFreedom

🎙️ What if losing your job—or even your leg—could lead to new income streams?

In this game-changing episode of Bartelle's Money Talk, we welcome Bart Merrell, the Side Hustle Samurai and author of Monetize Your Mindset. From losing his leg to launching businesses, Bart shows us how the right mindset can turn any life event into opportunity.

🔥 You'll discover:

• How Bart literally monetized his amputation 😮

• How to turn what you like, need, or already do into income

• Why your life experiences—even painful ones—can become side hustles

• Why financial security is more about diversity than dollars

• What pig poop, grief counseling, and dog training have in common 🐶💩

• How to overcome fear and take the first step

💡 Plus, Bart shares his story of escaping bankruptcy, surviving business setbacks, and building multiple income streams that support his family through any crisis.

🎁 Free Gift: 25 Side Hustles for 2025
👉 Download it here: https://offer1.bartmerrell.com/25

📚 Get the book: Monetize Your Mindset
🛒 Available on Amazon or at https://bartmerrell.com

📺 Subscribe for weekly episodes with real stories, real strategies, and real financial breakthroughs.

#sidehustle #financialfreedom #entrepreneurmindset #amputee #dogtrainer #multipleincomestreams #bartellesmoneytalk

Welcome to Bartelle's Money Talk! 

In this episode, we’re joined by John Hankins, a Certified Financial Therapist with a unique journey from IT and academia to emotional money wellness.

💡 What You'll Learn:

• What financial therapy is and how it helps

• Who can benefit from seeing a financial therapist

• The difference between financial planning and financial therapy

• How emotions and money are deeply connected

• Tips for reinventing yourself in retirement

• Advice for those wanting to change careers and live with purpose

💬 Key Quote:
"Financial therapy is all about how you think, feel, and act about money—and learning to align your behavior with your values." – John Hankins

📍 Resources Mentioned:
🔗 Find a Financial Therapist: https://www.financialtherapyassociation.org
🌐 Learn more about John Hankins: https://www.financial-therapy.me

👍 Don’t forget to Like, Subscribe, and Share if this episode encouraged or informed you!

📲 Follow us on Facebook, Instagram, and YouTube for more practical financial wisdom.

Want to travel the world for free? In this episode of Bartelle's Money Talk, Theresa Bartelle interviews Tim Walker, founder of Travel Multiplier, who shares exactly how you can use credit card rewards to unlock thousands of dollars in free travel—without falling into debt.

🧳 Whether you're a budget-conscious family or a young adult craving adventure, Tim explains:
✅ What travel hacking actually is
✅ How to get started with just ONE card
✅ How to avoid debt and still earn rewards
✅ How to book luxury vacations for FREE
✅ And how to protect your credit while doing it

💡 Learn how Tim went from broke and burned out to taking his family around the world—all using points.

📚 Free Resource:
👉 Download Tim’s Skeptic’s Guide to Travel Hacking at https://www.travelmultiplier.com

🎓 Interested in coaching or a course?
✅ Visit https://www.travelmultiplier.com
📧 Email: [email protected]

❤️ Don’t forget to like, share, and subscribe for more money-saving episodes like this one.

Are you a business owner constantly wondering “Where is all my money going?” You’re not alone — and today’s guest, Cash Flow Mike (Mike Milan), is here to help you uncover the hidden cash in your business and master your finances like never before.

In this powerful episode, we dive into:
✅ The difference between profit and cash
✅ What it really means to “grow broke”
✅ How to analyze your financials in just 7 minutes
✅ Tools and strategies to maximize your cash flow
✅ MVP (Minimum Viable Product) for testing business ideas
✅ Why education doesn’t replace experience
✅ When to use debt vs. equity for your business

💼 Whether you're new to business or a seasoned entrepreneur, Mike’s practical tools and financial wisdom will challenge and equip you to succeed!

📚 Grab Mike’s FREE Financial Analysis Book & Course:
👉 https://cashflowmike.com

💬 Let us know in the comments: What’s one cash flow mistake you’ve made and how did you overcome it?

🔔 Subscribe for weekly episodes full of financial wisdom and practical strategies to build a better future

📌 Timestamps:
00:00 - Intro & Meet Cash Flow Mike
01:30 - From State Trooper to Multi-Business Owner
04:00 - Growing Too Fast Can Break You
06:15 - The “Elevation Sequence” Explained
08:45 - Understanding Financial Statements (Made Simple)
13:00 - Free and Easy Accounting Tools
17:00 - The Truth About Profit vs. Cash
21:00 - Test Before You Invest (The MVP Formula)
25:00 - Cash Flow Mike’s Book & Clear Path Framework
32:00 - Final Advice & How to Connect

In this episode of Bartelle's Money Talk, Theresa Bartelle sits down with Mel Stubbs, a seasoned financial planner at Christie Capital Management, to help federal employees and future retirees understand what they MUST know before stepping into retirement.

📌 What You’ll Learn:

• The 10 key financial decisions every federal employee should make before retirement

• How early retirement options and RIFs (reduction in force) are impacting federal workers

• The truth about Social Security timing and legacy planning

• Tax-saving strategies with Roth vs. Traditional 401(k)/TSP

• Why proper portfolio allocation matters before and after retirement

💡 Whether you're 10 years away or 10 months away from retirement—this episode is your action plan.

🛑 Don't risk retiring without a plan. Watch now and share with a friend who needs this!

🔗 Connect with Mel Stubbs:
👉 https://christiecapital.com/decisions
📧 Email: [email protected]

💬 Like this video?
👍 Give it a thumbs up
📲 Subscribe to our channel
📝 Drop your questions or experiences in the comments—we respond!

📣 Follow Bartels Financial Coaching:
📞 Schedule your FREE financial consultation: (830) 252-0320

#RetirementPlanning #FederalEmployees #TSP #SocialSecurity #FinancialFreedom #BartellesMoneyTalk #MoneyPodcast #MelStubbs #ChristieCapital #Roth401k #FinancialCoaching