What should you do with extra monthly cash? Today I’m going to walk you through a clear strategy to help you prioritize and CAPitalize. You'll find out about boosting your emergency fund and paying down high-interest debt, and how to make smart retirement contributions and planning for major life goals like a home or travel.

I also dive into the overlooked power of HSAs, donor-advised funds, and even how to treat yourself responsibly without derailing your financial progress. I’ll also share with you a personal story about hitting all my professional goals in 2024—what it cost me, and why my focus in 2025 is shifting from quantity to quality.

Are you earning more and wondering how to put that money to work? Tune in to this week’s episode and let’s start CAPitalizing!

In this special bonus episode, I dive into the strange—but very real—new partnership between DoorDash and Klarna that allows users to finance their fast food. Yes, you read that right.

I break down what this “buy now, pay later” option really means, how it works, and what the implications are for consumers. I’ll give you the potential pros (like flexible payments for those in a cash crunch) to the dangerous cons (sky-high interest rates and the risk of debt spirals); in other words, you’ll get the full picture, along with my unfiltered take on why this trend deeply concerns me.

If you care about financial literacy or know someone who needs a wake-up call, this is a must-listen. Let’s talk about the real cost of your burrito bowl, and why the simplest rule still applies: buy only what you can afford.

This week I sat down with banking veteran and author Kevin Howard for a conversation that pulled absolutely no punches. We dug into everything from tariffs, globalization, and income inequality to the historical forces that shaped today’s financial system.

Kevin’s background—working with Fannie Mae, Freddie Mac, and through the Great Financial Crisis—gives him a front-row view of how the system was built, where it broke, and where we may be headed. We also covered the big banks (including which ones may not survive), DOGE, government cuts, and why some of the most important economic shifts are happening behind the scenes.

Buckle up—this one is deep, wide-ranging, and filled with insights that go WAY beyond the headlines. Tune in, have a listen, and let's CAPitalize!

I’ve been getting so many awesome questions from you, my loyal listeners, and today I’m going to answer more of them! I’ll start off with a tip about reverse-engineering your major financial decisions—especially big ones like buying a home—by projecting out the next decade and weighing the trade-offs.

Then I dive into your submitted questions, including the things that most people overlook in personal finance, why true long-term investing isn’t as “set it and forget it” as it sounds, and how to think “bigger” about growing your income. I also share my take on whether copywriting is a good side hustle for a newly minted dentist (spoiler: focus on your highest-earning skill!) and break down what to do if you have a Roth IRA but no 401(k).

So let's get to it and answer your most pressing questions! Keep ‘em coming, and keep CAPitalizing!

Back again with another round of fan questions! Today I’ll be tackling three key financial topics that many of you have been asking about. First up: when to cash out of the market for a down payment on a home—especially in an election year. Find out why timing isn’t everything and what you really need to focus on before making a move.

Then, we get into fixed costs vs. variable costs—what to do when your expenses feel like they’re outpacing your income, along with a strategy to take control. And finally, a big one: financial planning for a 28-year-old entrepreneur with a family. If you're starting a business, I’ll give you everything you need to set yourself up for the future.

Tune in today, and let’s keep CAPitalizing!

Interest rates are constantly changing, and knowing how to CAPitalize on them can make a huge difference in your financial future! Today I break down how to reassess your tax situation, identify refinancing opportunities, and leverage debt to your potential advantage.

How about some strategies for handling high-interest debt, maximizing cash flow, and making smarter investment choices based on interest rate trends? You’ll get those. Plus, I’ll explain how lower rates impact savings, real estate, private equity, and retirement planning.

Whether you're paying off loans, investing for the future, or just trying to make sense of all these economic trends, I’m here to help you navigate it all. So buckle up—there’s a lot to cover. Let’s get started!

401(k) mistakes are, unfortunately, all too common. So today I’m here to make sure you don’t fall into the same traps. What sort of mistakes am I talking about? Things like missing out on your employer’s match, overconcentrating in company stock, taking early withdrawals, or ignoring the fees. I’ll not only break down the biggest missteps I see time and time again—I’ll also show you how to avoid them.

I'll also explain how to maximize contributions, when to consider rolling over an old 401(k), and the importance of having what I call a “wealthy mindset” when it comes to fees.

Are you making the most of your 401(k)? Maybe not! Tune in to be sure you’re CAPitalizing on every opportunity your 401(k) has to offer!

Hitting the $1 million mark is a huge achievement—but what happens next? Today I’m going to break down key wealth management strategies to keep you on track once you’ve reached this financial milestone.  

Right now is a great time to reassess your financial goals and manage lifestyle inflation.  It may also be a good idea to optimize certain tax strategies like Roth conversions and tax-loss harvesting. If you don’t know your options, I’ll walk you through the essential next steps. 

There are other issues as well: risk management, estate planning, and diversification, along with strategies for philanthropy and passing on wealth responsibly. Remember, making money is only half the battle – keeping that money is even harder. Tune in and find out more! 

Today I’m going to debunk some of the biggest financial lies that people fall for—and trust me, there are plenty. You may have heard some of them: “You need to be rich to start investing,” “Carrying a credit card balance improves your credit score,” or “Renting is just throwing money away.” I’m here to set the record straight.

I also break down misconceptions about retirement, including the false belief that Social Security will cover all your expenses and that you can afford to wait to start saving. Plus, I’ll get into investment fallacies, the real definition of risk, and the dangers of financial misinformation, including get-rich-quick schemes.

So much to talk about today! If you want to separate financial fact from fiction, you MUST listen to this podcast. Tune in, take notes, and as always—keep CAPitalizing!

Fear of investing is more common than you think – and it’s holding many people back from potentially building real wealth. So today I’m going to break down the root causes of that fear, from emotional biases to misconceptions about risk. I’ll show you how to conquer your anxieties by starting small, understanding key investment principles, and focusing on long-term growth.

There's so much to cover here – from managing market downturns and navigating emotional decisions to debunking the industry jargon that really overcomplicates investing. Plus, I’ll give you some practical strategies to help you build confidence, simplify your approach, and get started on your financial journey.

Let’s conquer your fear of investing and start CAPitalizing on the future!