Welcome to Bartelle's Money Talk! In this special episode, we (Johnny & Theresa Bartelle) open up about our personal journey from financial struggle to stewardship, and the story behind launching this podcast.

✅ We were 22 years old, newly married, in debt, and financially uneducated.
✅ We’ve made mistakes (hello Monterro truck 👀), but we’ve also learned life-changing principles.
✅ Now we help others break cycles, build legacy, and find freedom in their finances.

If you’ve ever struggled with money, marriage, or purpose—this episode is for you.

🎯 What You'll Learn:

• Why we started Bartels Money Talk

• How we got out of $90,000+ debt

• How the book by Suze Orman changed our mindset

• The vision behind our Marriage & Money Cohort

• Why legacy > lifestyle

• How YOU can start creating margin today

📘 Helpful Links:

• Free resources, blog & podcast → https://bartelsmoneytalk.substack.com

🙏 Thanks for Watching!

If this episode encouraged you:
✅ LIKE this video
✅ SUBSCRIBE to our channel
✅ SHARE with someone who needs financial wisdom and hope

Follow us on all platforms @BartellesMoneyTalk
#BartellesMoneyTalk #ChristianFinance #DebtFreeJourney #MarriageAndMoney #FinancialFreedom #LegacyNotLifestyle

Are you living life constantly exhausted, overbooked, and overwhelmed? In this powerful episode of Bartelles Money Talk, host Theresa Bartelle welcomes leadership coach and author Robert Hunt to unpack one of the most life-changing principles: MARGIN.

Robert challenges us to ask: Do I have room in my time, finances, health, and emotions for the unexpected—and for God? From juggling debt and burnout to restoring peace and purpose, this episode is a masterclass in holistic stewardship.

✅ Learn how to create margin in:

• Time ⏰

• Finances 💰

• Health 🏃🏾‍♀️

• Emotions ❤️

📘 Mentioned Resources:

• Margin by Dr. Richard Swenson

• Nobody Cares Until You Do by Robert Hunt → https://nobodycaresbook.com

📍Want to connect with Robert Hunt? Visit:
→ https://REFDallas.com
→ https://MarginDFW.com

Don't forget to like, comment, and subscribe for more transformational conversations on faith, finances, and freedom.

#BartellesMoneyTalk #ChristianFinance #HolisticLiving #Margin #RobertHunt #FaithAndFinances #LifeOnPurpose

Welcome to Bartelle’s Money Talk! In this powerful episode, certified financial coach Theresa Bartelle sits down with her very first client, Luchana Perez, to share how she broke free from debt—not once, not twice—but for the fourth and final time.

🔑 You’ll hear about:

• How Luchana went from paycheck-to-paycheck to having leftover money at the end of the month

• Why paying off debt wasn’t enough—she had to get to the root of her spending

• What finally clicked that made her surrender all 100% of her finances to God

• How budgeting became her freedom, not her prison

• The unexpected blessings God opened once she committed to stewardship

💬 “I had to die to self. I thought I was just managing money—but I was being transformed.”

Whether you’re a single mom, going through a divorce, starting over, or just tired of financial stress—this conversation will inspire you to take the leap toward financial freedom.

📞 Ready to Start Your Own Journey?
👉 Schedule a FREE consultation at:

https://bartellescoaching.com

📝 Highlights: 0:00 – Intro
1:25 – Why getting out of debt never stuck
4:35 – The “other 90%” most believers overlook
7:21 – Budgeting and the power of choice
10:56 – How she planned realistic vacations on a budget
15:23 – The threat of layoffs and the security of emergency funds
23:48 – Life now as a debt-free woman of faith

✨ Subscribe for more testimonies, money tips, and biblical financial coaching!
🔔 Don’t forget to like, comment, and hit the notification bell!

Thinking about starting a new business or teaming up with a partner? Before you dive in, join us on this episode of Bartelle's Money Talk as we sit down with seasoned business law attorney, Matthew Fornaro. With over 20 years of experience helping small and medium-sized businesses, Matthew shares critical insights into what every new business owner needs to know—like how to avoid partnership nightmares, the importance of having the right legal documents, and when to hire an attorney instead of DIY-ing your contracts.

💡 Key takeaways include:

• The difference between real partnerships and informal co-ownership

• Why operating agreements and legal documents are non-negotiable

• How failing to plan can lead to court battles (or worse)

• Why sole proprietors have zero protection

• 3 golden nuggets for every new entrepreneur

🎯 Whether you're launching your first venture or thinking about teaming up with a friend, this episode is packed with wisdom you can’t afford to miss.

📲 Like, share, and subscribe for more business-savvy content that protects your future.
#SmallBusiness #BusinessLaw #PartnershipTips #EntrepreneurAdvice #LLC #SoleProprietor #StartupTips #MoneyTalk

In this powerful episode of Bartelle Money Talk, hosts Teresa and Johnny sit down with Isaiah Lewis, a former D1 football star turned coach, to unpack his real-life financial journey—from credit card regrets to post-college hustle.

Isaiah shares:
✅ The shocking lesson from buying a thousand-dollar mattress on credit
✅ What it’s really like to chase the NFL dream
✅ How injury, resilience, and a mattress changed his mindset
✅ His take on why “interest is deceiving”
✅ Tools like the Earnin app that helped him survive when things got tight

Whether you're an athlete, college student, or just figuring out your financial path—this episode will challenge, inspire, and give you practical takeaways to take charge of your money.

🎧 Subscribe for more honest conversations and real financial guidance.
🔗 Visit: https://www.bartellecoaching.com
📲 Follow @bartellecoaching on Instagram

#MoneyTalk #FinancialFreedom #IsaiahLewis #BartelleCoaching #CollegeAthlete #BudgetingTips #InterestIsDeceiving

In this powerful episode, we sit down with Dr. Jennifer Shell, a mom, chiropractor, and network marketing mentor who made a life-changing decision: to stop trading hours for dollars—and start building residual income from her couch.

Jen shares how she overcame a vocal cord disorder, why she stepped into the world of network marketing during the pandemic, and how she’s now empowering moms across the country to reclaim their time, income, and identity.

🎯 Whether you're a stay-at-home mom, working mom, or just tired of the 9–5 grind, this conversation is filled with inspiration, practical steps, and real talk.

In this episode: 00:11 – Meet Dr. Jen Shell
05:00 – Why she stopped trading time for money
08:40 – How she built a business from her phone
12:00 – What network marketing really is
18:49 – 3 reasons moms need another income stream
26:00 – Oils for stress, focus & emotional balance
30:58 – The freedom of building a business that fits your life

📌 Connect with Jen:
Instagram: @jenshell_dc
Facebook: Jennifer Shell

📌 Book a FREE financial coaching call:

📞 Call: 830-252-0320

👍 Like | 💬 Comment | 🔔 Subscribe for more financial insight, empowerment, and real conversations to help you take charge of your future.

In this jaw-dropping episode of Bartel’s Money Talk, hosts Johnny and Theresa Bartelle sit down with Rita Oliver, a former federal employee who retired debt-free with over $2 million in assets. Rita shares her powerful journey from maxed-out credit cards to financial freedom, detailing the mindset, habits, and strategies that helped her eliminate debt, pay off her home early, and build long-term wealth.

💡 Whether you're just starting out, mid-career, or nearing retirement, this conversation is packed with wisdom, action steps, and raw truth.

🔗 Connect with Rita:
Website: https://www.ritaoliversos.com
IG/FB: @moneystrategist

📘 Grab her book: Disclose Before You Disrobe – Financial Necessities Before You Say "I Do" and After
🎧 Subscribe and follow @BartelsMoneyTalk for weekly financial insight, family-based coaching, and real-life transformations.

In this powerful episode of Bartelle's Money Talk, we’re joined by digital strategist and faith-based content coach David Charles Griffiths, who has built an audience of over 1.5 million followers. If you're a content creator—or thinking about becoming one—this is the wisdom-packed conversation you need to hear.

🎯 David breaks down:

• The real reason the algorithm isn’t your enemy

• Why clarity beats creativity when it comes to growth

• How to let your audience guide your content

• The power of authenticity and storytelling in building trust

• The truth about followers vs. income—and how to actually monetize

• Why lead magnets and offers should come before chasing viral trends

💡 Whether you're just starting out or feeling stuck, David shares hard-earned lessons and heartfelt encouragement that will help you grow with purpose and impact.

📲 Connect with David:

• Website: contentcreatingacademy.com

• Instagram: @davidthedigitalcreator

• YouTube: DavidGriffithsMusic

🎧 Tune in. Take notes. And take action. This one’s a game-changer!

#ContentCreation #FaithBasedCreator #SocialMediaMarketing #DigitalMinistry #BartellesMoneyTalk #DavidCharlesGriffiths #TikTokTips #ChristianEntrepreneur #AuthenticContent #LeadMagnet #MonetizeYourMessage

In this eye-opening episode of Bartelle’s Money Talk, hosts Johnny and Teresa sit down with guest expert Will Holditch, author of Strategic Planning for the Golden Years. With a compelling life story that includes entrepreneurship, firefighting, and serving as an EMT, Will shares invaluable lessons from real-life experiences that led him to write a comprehensive guide on how to prepare for one of life’s most challenging transitions—caring for aging parents.

From navigating VA benefits and uncovering family medical history, to organizing financial documents, living wills, and long-term care plans, Will explains why planning ahead isn’t optional—it’s essential. Whether you’re a Gen Xer juggling kids and aging parents, a millennial with questions, or a spouse who handles none of the finances—this episode is packed with wisdom you need before crisis hits.

🔹 Learn the critical documents every family needs
🔹 Hear real-life scenarios that will challenge your assumptions
🔹 Get practical tips for starting tough conversations with loved ones
🔹 Understand what can happen if you don’t prepare

This is one of the most important episodes we’ve ever recorded. Share it with your family, and start the conversation today.

📘 Strategic Planning for the Golden Years releases May 1st on Amazon.
📩 Contact Will at [email protected] for more information.

💬 Like, share, and subscribe for more financial insights with purpose!

Welcome to Bartelle’s Money Talk! In this episode, we’re diving into real estate investing with Michael Matthew, CPA, CA, a seasoned expert in real estate taxation and investing. Whether you’re a first-time investor or looking to expand your portfolio, Michael shares crucial tips, costly mistakes to avoid, and strategies to maximize your returns.

📌 In this episode, you’ll learn:
✅ The biggest mistakes new investors make (and how to avoid them!)
✅ How to structure your real estate investments for success
✅ The difference between repairs vs. renovations for tax purposes
✅ Rent control laws and their impact on your profits
✅ Why location matters (and how to find landlord-friendly areas)
✅ The power of LLCs and how to protect your assets
✅ How to build a trusted real estate team before investing
✅ Tax deductions every investor should know about

📖 Michael's Book: A to Zen Real Estate: Peace of Mind Strategies for the Canadian Investor

📩 Connect with Michael Matthew:
📧 Email: [email protected]

🔔 Like, Share & Subscribe for more expert financial insights! 🚀