Do you have a bad credit score? Are you struggling with debt—or dreaming of starting or growing a business? Have you ever wondered if the credit system is actually stacked against you?

In this powerful episode of Bartelle’s Money Talk, hosts Theresa and Johnny Bartelle sit down with credit expert Samfor a no-fluff, eye-opening conversation about how credit really works—both personal and business credit.

🔥 In this episode, you’ll learn:

• Why your credit report matters more than you think
• The difference between personal credit and business credit
• What lenders actually look at (Dun & Bradstreet, Experian Business, UCC filings)
• How interest rates silently cost people hundreds of thousands of dollars
• Why paying off debt the “wrong way” can actually hurt your score
• The truth about charge-offs, settlements, and leverage
• Strategic insights into business credit, LLCs, and funding readiness
• Why credit is a game—and how knowledge changes the outcome

💡 This episode is not about shortcuts—it’s about education, strategy, and stewardship.

📞 Interested in personalized financial guidance? Schedule a free consultation with Bartelle’s Financial Coaching at 830-252-0320

👉 Like, Share, and Subscribe for more real conversations that help you take control of your financial future.

🎙️ Bartelle’s Money Talk — because financial freedom is closer than you think.

What if poverty isn’t noble, spiritual, or virtuous but a sign that we’re missing the mark of what we were created for? In this powerful episode of Bartelle’s Money Talk, we sit down with bestselling author and prosperity teacher Randy Gage to unpack one of his most controversial statements: “Poverty is a sin.”

Randy explains the original meaning of “sin” as missing the mark and challenges the religious, cultural, and societal programming that keeps people trapped in scarcity, guilt, and worthiness issues. We explore how media, government, education, and even organized religion subtly reinforce poverty consciousness and how intentional “counter-programming” is essential for building abundance.

You’ll also hear Randy’s remarkable personal story from being incarcerated at 15 years old to becoming a globally respected entrepreneur, author of 15 books, and teacher of holistic prosperity. Together, we discuss why it’s often easier to make large amounts of money than small amounts, how solving problems and adding value attracts wealth, and why prosperity must include health, relationships, spirituality, and purpose not just money.

This episode will challenge your thinking, stretch your beliefs, and invite you to ask a deeper question: Do I truly believe I’m worthy of health, happiness, and prosperity NOW not someday?

If this conversation challenged or encouraged you, please follow/subscribe, leave a review, and share this episode with someone who needs a mindset shift around money and abundance.

Join the Private Facebook Community: Financially Fearless Wives https://www.facebook.com/share/g/16296epAAS/

Download the 10-Minute Budget Reset Guide: https://hermoneywithreese.com/the-10-minute-budget-reset-322971

Many people believe retirement is simply about saving enough and paying off debt but what if the real danger is inflation quietly cutting your buying power in half? In this powerful conversation on Bartelle’s Money Talk, we sit down with Eric Mitchell, Chief Revenue Officer at NEXA Mortgage, to discuss why traditional “planned retirement” often fails and why cash flow may matter more than being debt-free.

Eric explains how inflation changes everything, why living longer can create unexpected financial pressure (especially with rising medical costs), and why relying only on a 401(k) may not be enough. We also dig into the difference between “bad debt” and strategic debt, how rental income can rise with inflation, and why owning assets can create stability in uncertain times.

Plus, Eric breaks down tax strategy in a simple way showing how taxes can destroy growth if you don’t understand the rules, and how tools like a Roth IRA and legal deductions can protect what you’re building.

If you’re approaching retirement (or you simply want to build wealth the smart way), this episode will challenge what you thought you knew—and help you start taking the right steps now.

If this episode helped you, please follow/subscribe, leave a review, and share it with a friend who wants to retire with peace and options not fear.

🔗 Join the Private Facebook Community: Financially Fearless Wives https://www.facebook.com/share/g/16296epAAS/📄 Grab the 10-Minute Budget Reset Guide: https://hermoneywithreese.com/the-10-minute-budget-reset-322971

Are you making every payment on time but still feel like your balances never move? In this episode, Andy Bennett explains how a “financial GPS” can shave 10–20 years and six figures of interest off your debt payoff plan without needing a higher income.

Most of us were taught to focus on the payment, not the total cost. Andy Bennett, an educator, tech entrepreneur, and man of faith, joins Bartelle’s Money Talk to expose how much families are really paying in interest and why the bank’s 30 year plan is not designed with your best interest in mind.

Andy breaks down:

• Why families are quietly losing hundreds of thousands of dollars to interest
• The difference between the bank’s plan and a Financial GPS that updates as life happens
• How traditional methods (like the debt snowball and avalanche) help but still leave money on the table
• What the Money Max/Financial GPS system actually is (hint: it’s not a spreadsheet)
• How this tool uses factorial math and strategic transfers to pay off debt in ½ to ⅓ of the time
• Why seeing a clear debt-free date can be the hope and motivation you need to stay on track
• Who this system is best for (married couples, homeowners, families with kids and singles drowning in debt too)

You’ll also hear Andy’s own story of cutting his mortgage from 30 years down to 15 and saving over $150,000 in “bank profit” (interest) without refinancing or getting a higher paying job just using math and a smarter plan.

If you’re drowning in debt, feeling choked by payments, and wondering if there’s any way to get ahead, this conversation will give you both hope and a practical path forward.

Want to see if a Financial GPS could work for you? Visit Andy at empowerwealth.solutions and click “Get Started” to book a quick 15-minute call and see if this system is a fit for your numbers and goals.

Support Bartelle’s Money Talk If this episode helped you, please follow, rate, and share the show with a friend who’s tired of being controlled by debt. Your reviews and shares help us reach more families who want to win with their money, retire with dignity, and build a lasting legacy.

Why do families who love God still struggle with money? In this powerful conversation, financial advisor Matt Morizio explains how fear, comfort, and misunderstood faith beliefs keep many Christian families financially stuck. If you’re ready to rewrite your money story and step into your God given purpose, this episode is going to speak directly to your heart.

Matt shares openly about:

• Why many Christians subconsciously believe money is “bad”
• How “comfort” keeps families stuck on the sidelines of their calling
• What Reconstructing Wealth actually means and why it starts from the inside out
• How childhood money stories shape our adult financial habits
• How fear, scarcity, and silence about money pass down generationally
• Why budgeting feels like a “diet” and how to approach it differently
• The two levers every family must pull: spend less or earn more
• How generosity can completely rewire your relationship with money
• What it means to emotionally detach from money so you can live out your purpose
• How to begin transforming your family’s financial future in the next 7 days

Matt also shares deeply personal stories including the moment he couldn’t afford groceries and how God used that valley to clarify his calling to serve families in the “messy middle of life.”

If you’re a Christian parent, couple, or individual trying to honor God, care for your family, and pursue your calling without living in financial stress, Matt’s wisdom will give you clarity, direction, and hope.

👉 Want to connect with Matt? Visit reconstructingwealth.com or message him on Instagram to receive his free 3-part video series on transforming your relationship with money.

Support Bartelle’s Money Talk

If this episode helped you, please follow, rate, and share the show with a friend!

When your money feels out of control, it can shake your faith, your confidence, and your peace. In this powerful, faith-filled conversation, Ralph Estep reveals why finances and faith are inseparable—and how you can finally break free from financial struggle. From emergency funds to business cash flow to biblical stewardship, this episode will challenge, inspire, and equip you to get your house in order—no matter your situation.

PLUS — Ralph gives every listener a FREE copy of his new book: How to Become a Financially Confident Christian Download it here: financiallyconfidentchristian.com/becoming

If this episode blesses you, please leave a comment, share the show, and invite someone else to listen!

Money trauma affects more adults than we realize. In this episode, we uncover how childhood money messages show up in your adult financial life and keep you feeling broke, stressed, or ashamed. If you have ever wondered why, you work hard but still feel stuck, this conversation will give you clarity and direction.

Grace Del Rey breaks down the hidden patterns behind overspending, over giving, undercharging, and fear-based decision making. She explains why even high earners and professionals often stay trapped in debt and how unresolved childhood money wounds follow us into adulthood.

In this episode you will learn

• What money trauma is and how it affects everyday choices
• How childhood experiences shape your money mindset
• Why doctors, lawyers, and high earners often struggle financially
• The biggest mistakes people make when buying or selling a business
• How to recognize money shame and stop the spiral
• Simple steps to get financially unstuck
• How affirmations and mindset shifts can change your financial path

Grace also shares real stories from her own life and clients to help listeners understand their patterns and begin healing their relationship with money.

If something in this episode resonated with you, share your thoughts or your story in the comments. Your breakthrough could encourage someone else.

Connect with Grace sgbsconsulting.com

Connect with us Subscribe to Bartelles Money Talk for honest conversations about money, mindset, and building a stronger financial future.

In today’s episode of Bartelle's Money Talk, Theresa speaks with Leanne, a profit coach and business consultant who teaches entrepreneurs how to turn CASHFLOW into actual CASH.

This is not another “just make more money” conversation.

Leanne exposes the real silent crisis that thousands of business owners face:

Entrepreneurial Poverty.

Making money… but not keeping any.
Having big revenue… but no actual profit.
Working nonstop… but quietly wondering how you’ll make payroll.

Leanne breaks down:

• why most business owners are profitable on paper but broke in real life

• the behavior and mindset patterns behind overspending

• the shocking truth about the “it takes money to make money” lie

• how she personally turned around her business AFTER spending $1.1 million and having nothing left

• how to reclaim clarity when you feel overwhelmed and disoriented

• the simple “two number method” that can save a business in one year

This episode is honest, raw, and FULL of hope.

If you’re tired of pretending everything is okay — this episode will make you breathe again.

Work with Leanne: profitwithleanne.com

Work with Bartelle's Financial Coaching:
Schedule your free consult — 830-252-0320
New conversations every week to empower your financial future.

Today on Bartelle's Money Talk, Theresa sits down with Renee Hastings, Founder & CEO of Executive Help Now — a high-level, U.S.-based virtual assistant agency helping business owners go from burnout… to breakthrough.

If you're a small business owner, content creator, entrepreneur, or you're grinding a 9-to-5 while trying to grow your business on the side — this episode is for YOU.

Renee shares:

• what a virtual assistant actually does

• why most entrepreneurs wait too long to get help

• how hiring the right person can 10x your productivity

• the difference between offshore VA support vs U.S.-based support

• how she scaled from side-hustle → full agency with multiple teams

• how to overcome the fear of DELEGATING

If you’ve ever felt overwhelmed, overworked, or like giving up because you “just can’t do it all” — this conversation will give you clarity and hope.

Connect with Renee:
Website: executivehelpnow.org
Podcast: Renee Speaks (YouTube + all major platforms)
Socials: @executivehelpnow

Work with Bartelle's Financial Coaching
✨ Take charge of your financial future.
Schedule your free consultation: 830-252-0320

New episodes weekly featuring experts, real stories, and strategies to help you WIN with your money.

#VirtualAssistant #Entrepreneur #SmallBusiness #Productivity #BusinessGrowth #FinancialCoaching #BartellesMoneyTalk

Losing everything in 2008 didn’t break him—it built him. Financial coach Paris Cluff shares how he went from six-figure advisor to food stamps… and back to financial stability—without bankruptcy. You’ll learn the exact habits, tools, and mindset he used to rebuild, pay off ~$60K in consumer debt, and create systems that keep money from leaking out of your life.

What you’ll learn

• Cash Flow, First: How to track every dollar and flip to positive cash flow fast

• Debt Reality Check: Options when you’re underwater (including negotiating debt)

• Emergency-Ready: Why savings + debt payoff should run in parallel (avoid the “paid-off car, no cash” trap)

• Habits that Last: Simple tracking + intentional spending that prevent relapses

• When Panic Hits: Faith, mindset, and practical steps for anxiety around money

• Family Finance Leadership: The 3 P’s—Preside, Provide, Protect (and what protection really looks like)

Resources & links

• 📘 FREE eBook (“Patch the Holes in Your Bank Account”): ParisCluff.com/freebook

• 🎥 Paris on YouTube: Paris Cluff Financial Coach

• 🌐 Work with Paris / Discovery Call: ParisCluff.com /discovery

• 🧭 Bartels coaching & resources: bartellescoaching.com

Try this today

1. Pull 90 days of statements; total every expense category.

2. Mark what to cut, cap, or cancel—aim for +$300/mo cash flow.

3. Start a mini emergency fund while you pay down debt (avoid the “no-cash crisis”).

If this helped you:
👍 Like | 🔔 Subscribe | 💬 Comment your next money move | ↗️ Share with someone who needs hope (and a plan)

Hashtags
#DebtFreeJourney #MoneyHabits #FinancialFreedom #CashFlow #PersonalFinance #Budgeting #EmergencyFund #BartellesMoneyTalk