Drip Trickle Flow Flood

After 20+ episodes, Melissa’s husband Gary finally joins us for a lively conversation that zigzags from building a monthly personal financial statement to flipping roadside finds, starting a finance club, and how pickleball coaching principles apply to money. You’ll hear how Melissa and Gary tag-team investing (research meets execution), why “movement without vision is chaos,” and how tiny, compounding actions create real freedom on the court and in your bank account.

We discuss:

• Building a personal financial statement: list assets (investments, art/watches you actually enjoy, etc.) and liabilities, then track net worth over time to see if the graph is moving in the right direction.
• Keeping tabs on where your cash and exposure live (T-bills, equities, commodities, etc.). Use tools to make idle assets work without overreaching into margin.
• A finance club can be two people and a Thursday. Swap short lessons, compare notes on markets, and use ChatGPT to structure a smart agenda so it’s more than talk.
• From hydrangeas to Facebook Marketplace flips, small wins compound. Don’t obsess over “hourly rate” during downtime. Stack drips and trickles and let them add up.
• Gary’s coaching mantra—“movement without vision is chaos”—applies to sport and money. Decide why you’re doing something, then commit. Chunk skills, chase 1% better daily.

Links

Tony’s website

Melissa’s website

Rate and Review

If you loved this episode, please take a moment to rate and review Drip Trickle Flow Flood on your favorite podcast platform. It helps new listeners discover the show and it makes our day. Thanks for listening!

Subscribe to this newsletter for income ideas that drip, trickle, flow, and flood into your life.

https://driptrickleflowflood.substack.com/

Disclaimer:

The information provided in this podcast is for informational and entertainment purposes only and should not be considered financial, investment, tax, or legal advice. The opinions expressed by the hosts and guests are solely their own and do not reflect the views of any companies or organizations they may be affiliated with.

Listeners should conduct their own research and consult with a qualified financial professional before making any investment or financial decisions. While we strive for accuracy, we do not guarantee that the information presented is complete, current, or applicable to your specific situation. Investing involves risk, including potential loss of principal.

By listening to this podcast, you acknowledge and agree that the hosts, guests, and producers are not responsible for any financial decisions you make based on the content discussed.

What do you get when a seasoned fractional CMO starts growing vegetables in her backyard? An unexpected pipeline of leads, and a brilliant example of drip, trickle, flow, flood in action.

In this episode, we’re joined by Dusti Arab, founder of Hearth & Hollow, The Reinvention Co. and host of Referral Worthy. Dusti walks us through her multidimensional career as a marketer, her new passion project (a backyard nursery), and how saying yes to creative ideas like growing shishito peppers in a greenhouse can bloom into something so much bigger than you'd expect.

In this episode, we discuss:

• How Dusti’s greenhouse hobby unexpectedly led to new marketing clients
• What a "plant CSA" is, and why no one else is doing it
• The reality of slow seasons in business and how Dusti weathered them
• How markets and in-person connections can revive your creativity
• Dusti's ecosystem of income: retainer clients, VIP days, courses, and now plant sales
• Why she's writing a productivity guide for her 13-year-old (and yours too!)
• How her family embraces entrepreneurship
• Real talk on what’s changing in the marketing space, and how she’s adapting

🎧 Listen now to hear how Dusti’s backyard garden turned into fertile ground for reinvention, and how you can start small, experiment smart, and build a business that actually feeds you.

Check out Hearth & Hollow

Check out Dusti’s website

Listen to Dusti’s podcast, Referral Worthy

Links

Tony’s website

Melissa’s website

Rate and Review

If you loved this episode, please take a moment to rate and review Drip Trickle Flow Flood on your favorite podcast platform. It helps new listeners discover the show and it makes our day. Thanks for listening!

Subscribe to this newsletter for income ideas that drip, trickle, flow, and flood into your life.

https://driptrickleflowflood.substack.com/

Disclaimer:

The information provided in this podcast is for informational and entertainment purposes only and should not be considered financial, investment, tax, or legal advice. The opinions expressed by the hosts and guests are solely their own and do not reflect the views of any companies or organizations they may be affiliated with.

Listeners should conduct their own research and consult with a qualified financial professional before making any investment or financial decisions. While we strive for accuracy, we do not guarantee that the information presented is complete, current, or applicable to your specific situation. Investing involves risk, including potential loss of principal.

By listening to this podcast, you acknowledge and agree that the hosts, guests, and producers are not responsible for any financial decisions you make based on the content discussed.

In this episode of Drip Trickle Flow Flood, we unpack a recent Fortune article about the rise in delisted homes, and what it really signals about the current housing market. Is it strategy? Stubbornness? Or something deeper about how people are processing a market that no longer feels predictable?

We discuss:

• The psychology behind sellers refusing to lower prices
• Why real estate is more emotional than people admit
• The myth of “real estate only goes up”
• The trap of low interest rates and how it’s freezing movement
• What sellers can do besides slash their price
• How to make smart moves whether you’re buying, selling, or holding

Links

Tony’s website

Melissa’s website

Rate and Review

If you loved this episode, please take a moment to rate and review Drip Trickle Flow Flood on your favorite podcast platform. It helps new listeners discover the show and it makes our day. Thanks for listening!

Subscribe to this newsletter for income ideas that drip, trickle, flow, and flood into your life.

https://driptrickleflowflood.substack.com/

Disclaimer:

The information provided in this podcast is for informational and entertainment purposes only and should not be considered financial, investment, tax, or legal advice. The opinions expressed by the hosts and guests are solely their own and do not reflect the views of any companies or organizations they may be affiliated with.

Listeners should conduct their own research and consult with a qualified financial professional before making any investment or financial decisions. While we strive for accuracy, we do not guarantee that the information presented is complete, current, or applicable to your specific situation. Investing involves risk, including potential loss of principal.

By listening to this podcast, you acknowledge and agree that the hosts, guests, and producers are not responsible for any financial decisions you make based on the content discussed.

In this episode of Drip Trickle Flow Flood, we sit down with the brilliant Jessie Rosen, USA Today bestselling author of The Heirloom and All the Signs, screenwriter for major studios like Warner Brothers and Netflix, and creator of a Substack newsletter all about bravery. Jessie opens up about the realities of money as a creative in Los Angeles: the shame, the hustle, the luck, the leverage, and the life choices that shape not just a career, but a sustainable and fulfilling life.

Takeaways from this episode:

• Why money conversations can feel taboo among creatives.
• The mix of luck, leverage, skill, and tenacity that shapes creative pay in Hollywood.
• How Jessie built multiple income streams: from writing, teaching, copy gigs, and publishing, to Airbnb hosting.
• The hidden shame many creatives feel about side hustles.
• Why comparing your behind-the-scenes to someone else’s highlight reel is a losing game.
• Jessie’s reckoning with what she truly wanted her life to feel like, and how money became a tool for designing that life.
• The importance of financial literacy, asking “embarrassing” money questions, and saving early for long-term freedom.

Links

Check out Jessie’s website and buy her books

Subscribe to Jessie’s Substack

Tony’s website

Melissa’s website

Rate and Review

If you loved this episode, please take a moment to rate and review Drip Trickle Flow Flood on your favorite podcast platform. It helps new listeners discover the show and it makes our day. Thanks for listening!

Subscribe to this newsletter for income ideas that drip, trickle, flow, and flood into your life.

https://driptrickleflowflood.substack.com/

Disclaimer:

The information provided in this podcast is for informational and entertainment purposes only and should not be considered financial, investment, tax, or legal advice. The opinions expressed by the hosts and guests are solely their own and do not reflect the views of any companies or organizations they may be affiliated with.

Listeners should conduct their own research and consult with a qualified financial professional before making any investment or financial decisions. While we strive for accuracy, we do not guarantee that the information presented is complete, current, or applicable to your specific situation. Investing involves risk, including potential loss of principal.

By listening to this podcast, you acknowledge and agree that the hosts, guests, and producers are not responsible for any financial decisions you make based on the content discussed.

In this episode of Drip Trickle Flow Flood, we sit down with filmmaker, producer, and entrepreneur Nick Moceri to talk about building a career at the intersection of film, branded content, and multiple income streams. From co-founding Donut Media to producing films like Kindergarten Teacher and Sovereign, Nick shares what it really takes to survive and thrive in a volatile creative industry, and why diversifying your work might be the smartest move you can make.

Episode Highlights

• How growing up in an entrepreneurial family shaped Nick’s approach to work and creativity
• The realities of producing films
• Why brand work can fuel, rather than distract from, creative projects
• Building financial stability through multiple income streams under the filmmaking umbrella
• The importance of relationships as both creative currency and long-term opportunity
• How to create with the resources you have, instead of waiting for perfect conditions
• Why rest, curiosity, and side ventures can make you a better creative

Links

Watch Nick’s latest film Sovereign

Nick’s production company All Night Diner

Tony’s website

Melissa’s website

Rate and Review

If you loved this episode, please take a moment to rate and review Drip Trickle Flow Flood on your favorite podcast platform. It helps new listeners discover the show and it makes our day. Thanks for listening!

Subscribe to this newsletter for income ideas that drip, trickle, flow, and flood into your life.

https://driptrickleflowflood.substack.com/

Disclaimer:

The information provided in this podcast is for informational and entertainment purposes only and should not be considered financial, investment, tax, or legal advice. The opinions expressed by the hosts and guests are solely their own and do not reflect the views of any companies or organizations they may be affiliated with.

Listeners should conduct their own research and consult with a qualified financial professional before making any investment or financial decisions. While we strive for accuracy, we do not guarantee that the information presented is complete, current, or applicable to your specific situation. Investing involves risk, including potential loss of principal.

By listening to this podcast, you acknowledge and agree that the hosts, guests, and producers are not responsible for any financial decisions you make based on the content discussed.

In this episode of Drip Trickle Flow Flood, we’re tackling one of the most debated questions: Should you pay off your mortgage early?

We break down the factors that make this a deeply personal and often misunderstood decision. From interest rates to emotional peace of mind to the job your money should be doing, we explore what really matters and how to think about this question.

We also share our own experiences, reflect on season-of-life decisions, and highlight why there’s no one-size-fits-all answer.

Learn:

• Why your mortgage interest rate is the starting point, not the whole story
• The emotional vs. financial return of paying off a home early
• When liquidity matters more than a zero balance
• Cultural, generational, and regional pressures that shape our beliefs around debt
• Smart questions to ask before you make your move

Rate and Review

If you loved this episode, please take a moment to rate and review Drip Trickle Flow Flood on your favorite podcast app. It helps new listeners discover the show and it makes our day. Thanks for listening!

Links:

Tony’s website:

https://tonymoceri.com/

Melissa’s website:

https://melissacassera.com/

💌 Want more?

Subscribe to the newsletter for income ideas that drip, trickle, flow, and flood into your life.

https://driptrickleflowflood.substack.com/

Disclaimer:

The information provided in this podcast is for informational and entertainment purposes only and should not be considered financial, investment, tax, or legal advice. The opinions expressed by the hosts and guests are solely their own and do not reflect the views of any companies or organizations they may be affiliated with.

Listeners should conduct their own research and consult with a qualified financial professional before making any investment or financial decisions. While we strive for accuracy, we do not guarantee that the information presented is complete, current, or applicable to your specific situation. Investing involves risk, including potential loss of principal.

By listening to this podcast, you acknowledge and agree that the hosts, guests, and producers are not responsible for any financial decisions you make based on the content discussed.

In this episode of Drip Trickle Flow Flood, we sit down we sit down with Quinn Tempest—business strategist, speaker, and founder of the Create Your Purpose Collective—to talk about how money doesn’t just show up in one form.

Quinn opens up about her journey building a purpose-fueled business that reflects every season of her life. From early clients to building a thriving membership and coaching model, Quinn breaks down exactly how she diversified her income, weathered market changes, and navigated big pivots with both courage and clarity.

This is a must-listen for anyone in business who’s ever wondered if it’s okay to change their mind, revisit a revenue stream, or pause for a season without losing momentum. (Spoiler: it absolutely is.)

Episode Highlights:

• Why burnout is an invitation to realign your business with your values.
• How to frame pivots and “step backs” as aligned, strategic moves.
• Energy freedom > time freedom. Success isn’t just about hours worked or revenue—it’s about how you feel while doing the work.
• Your business can change with you. Quinn shares how motherhood shifted not only her schedule but also her mindset and goals.
• Know your numbers. Tracking income by category (hello, heat maps!) gave Quinn the clarity to make smarter, more intentional decisions.
• Curiosity is your compass. You don’t need to know the whole path. Just follow what lights you up and experiment from there.

Check out Quinn’s work:

• A full rundown of the Heat Map mentioned in the episode: https://quinntempest.com/entrepreneurship/8-years-revenue-heat-map/
• The "Power up like Mario" essay: https://quinntempest.com/uncategorized/my-imposter-syndrome-theory-entrepreneurs/
• A free Priority Planner for Solopreneurs to help align decisions with values.

Rate and Review

If you loved this episode, please take a moment to rate and review Drip Trickle Flow Flood on your favorite podcast app. It helps new listeners discover the show and it makes our day. Thanks for listening!

Links:

Tony’s website:

https://tonymoceri.com/

Melissa’s website:

https://melissacassera.com/

💌 Want more?

Subscribe to the newsletter for income ideas that drip, trickle, flow, and flood into your life.

https://driptrickleflowflood.substack.com/

Disclaimer:

The information provided in this podcast is for informational and entertainment purposes only and should not be considered financial, investment, tax, or legal advice. The opinions expressed by the hosts and guests are solely their own and do not reflect the views of any companies or organizations they may be affiliated with.

Listeners should conduct their own research and consult with a qualified financial professional before making any investment or financial decisions. While we strive for accuracy, we do not guarantee that the information presented is complete, current, or applicable to your specific situation. Investing involves risk, including potential loss of principal.

By listening to this podcast, you acknowledge and agree that the hosts, guests, and producers are not responsible for any financial decisions you make based on the content discussed.

In this episode of Drip Trickle Flow Flood we sit down with David Pillinger, publisher of Southside Living Magazine and regional recruiter for Best Version Media, the print powerhouse that publishes local neighborhood magazines. Dave shares how he bootstrapped his first issue, now oversees dozens of titles across multiple states, and globetrots with his son.

If you’ve ever wondered whether print is dead, or how to blend steady cash flow with travel, Dave’s story will inspire you.

Episode Highlights:

• Why neighborhood‑specific media thrives even in a challenging market
• Understanding the economics behind a localized media business
• Dave’s philosophy on prioritizing experiences over material things
• The adventures Dave has shared with his son across multiple countries, and how travel has shaped his son’s confidence and worldview
• Why investing in community connections can open the door to financial freedom and unforgettable life experiences

Dave’s Travel Blog

Southside Living Magazine

Best Version Media

Rate and Review

If you loved this episode, please take a moment to rate and review Drip Trickle Flow Flood on your favorite podcast app. It helps new listeners discover the show and it makes our day. Thanks for listening!

Links:

Tony’s website:

https://tonymoceri.com/

Melissa’s website:

💌 Want more?

Subscribe to the newsletter for income ideas that drip, trickle, flow, and flood into your life.

https://driptrickleflowflood.substack.com/

Disclaimer:

The information provided in this podcast is for informational and entertainment purposes only and should not be considered financial, investment, tax, or legal advice. The opinions expressed by the hosts and guests are solely their own and do not reflect the views of any companies or organizations they may be affiliated with.

Listeners should conduct their own research and consult with a qualified financial professional before making any investment or financial decisions. While we strive for accuracy, we do not guarantee that the information presented is complete, current, or applicable to your specific situation. Investing involves risk, including potential loss of principal.

By listening to this podcast, you acknowledge and agree that the hosts, guests, and producers are not responsible for any financial decisions you make based on the content discussed.

In this episode of Drip Trickle Flow Flood, Melissa and Tony chat with Nikki Naab-Levy, a strength and nutrition coach who’s lived many business lives.

We dive deep into Nikki’s multi-income stream mindset, her no-BS approach to nutrition, the hilarious (and shocking!) story of her first ever fitness class, and how she’s built a career by following her curiosity.

Check out Nikki’s website: https://naablevy.com/

Listen to Nikki’s podcast: https://naablevy.com/podcast/

Follow Nikki on Instagram: https://www.instagram.com/naablevyfitness/

Episode Highlights:

• How Nikki accidentally launched her fitness career when her Pilates instructor literally ran off
• How she phased out old offers while creating new income streams
• How she expanded beyond in-person fitness
• Why your financial base matters more than the perfect funnel
• Outsourcing vs. DIY: Nikki’s hilarious take on why she happily pays her accountant to “make the problem go away”

Rate and Review

If you loved this episode, please take a moment to rate and review Drip Trickle Flow Flood on your favorite podcast app. It helps new listeners discover the show and it makes our day. Thanks for listening!

Links:

Tony’s website:

https://tonymoceri.com/

Melissa’s website:

https://melissacassera.com/

💌 Want more?

Subscribe to the newsletter for income ideas that drip, trickle, flow, and flood into your life.

https://driptrickleflowflood.substack.com/

Disclaimer:

The information provided in this podcast is for informational and entertainment purposes only and should not be considered financial, investment, tax, or legal advice. The opinions expressed by the hosts and guests are solely their own and do not reflect the views of any companies or organizations they may be affiliated with.

Listeners should conduct their own research and consult with a qualified financial professional before making any investment or financial decisions. While we strive for accuracy, we do not guarantee that the information presented is complete, current, or applicable to your specific situation. Investing involves risk, including potential loss of principal.

By listening to this podcast, you acknowledge and agree that the hosts, guests, and producers are not responsible for any financial decisions you make based on the content discussed.

In this episode of Drip Trickle Flow Flood, Melissa and Tony dive into a recent Ramsey Show clip. A caller bought an $11,000 engagement ring using a 0% interest credit card, even though he had the cash to pay outright. Dave called it dumb. We call it smart, depending on the situation. This episode explores when debt is a dangerous trap, and when it might actually be a savvy tool for building wealth.

You’ll hear:

• Why Dave Ramsey’s one-size-fits-all debt advice might not work for everyone
• How to decide if using debt makes financial sense in your situation
• Melissa and Tony’s personal experiences with “good debt”
• The difference between emotional spending and strategic debt
• Why financial decisions should be based on math, not shame
• Ideas for building your own finance discussion group to reduce stigma and grow smarter together

Rate and Review

If you loved this episode, please take a moment to rate and review Drip Trickle Flow Flood on your favorite podcast app. It helps new listeners discover the show and it makes our day. Thanks for listening!

Links:

Tony’s website:

https://tonymoceri.com/

Melissa’s website:

https://melissacassera.com/

💌 Want more?

Subscribe to the newsletter for income ideas that drip, trickle, flow, and flood into your life.

https://driptrickleflowflood.substack.com/

Disclaimer:

The information provided in this podcast is for informational and entertainment purposes only and should not be considered financial, investment, tax, or legal advice. The opinions expressed by the hosts and guests are solely their own and do not reflect the views of any companies or organizations they may be affiliated with.

Listeners should conduct their own research and consult with a qualified financial professional before making any investment or financial decisions. While we strive for accuracy, we do not guarantee that the information presented is complete, current, or applicable to your specific situation. Investing involves risk, including potential loss of principal.

By listening to this podcast, you acknowledge and agree that the hosts, guests, and producers are not responsible for any financial decisions you make based on the content discussed.