Hey Charles

From Perks to Profits: How Strategic Benefits Drive Business Growth

In his latest podcast, Charles Ernst discusses the importance of viewing employee benefits as an investment rather than just an expense. He explains how a well-rounded benefits package, presented as part of total compensation, helps employees see their full value beyond their salary. Charles emphasizes the impact of offering diverse benefits to meet employees’ unique needs, which fosters loyalty and strengthens company culture. He encourages companies to consider non-traditional benefits, like discounts or mentorship programs, to enhance the employee experience without high costs. Sharing an example of an agricultural company offering on-site laundry, Charles illustrates how creative benefits can be highly valued. Ultimately, he underscores that investing in benefits has long-term returns in productivity, loyalty, and growth, making it a strategic asset for companies.

Key Moments:

Benefits as an Investment, Not Just an Expense (00:00:52 - 00:01:14): Charles emphasizes that many companies see benefits as a mandatory expense rather than a strategic investment to attract and retain top talent.

Importance of a Total Compensation Package (00:02:09 - 00:02:21): He discusses the value of presenting benefits as part of a total compensation package, helping employees understand the full scope of their value beyond salary.

The Role of Choice and Variety (00:03:35 - 00:04:04): Charles stresses offering a variety of benefits to meet different needs, showing that the company is invested in the well-being of its diverse workforce.

Impact on Company Culture and Employee Loyalty (00:04:21 - 00:04:49): He shares that companies with strong benefits packages tend to have more loyal employees who take pride in representing the company, improving overall culture.

Beyond Traditional Benefits (00:06:23 - 00:07:07): Charles encourages companies to consider non-traditional benefits, like discounts on daily needs or mentorship programs, which enhance the employee experience without significant cost.

A Creative Example of Unique Benefits (00:08:47 - 00:09:04): He shares an innovative story of an agricultural company that provided on-site laundry services for employees, recognizing a unique need and creating a highly valued perk.

Long-Term ROI of Investing in Benefits (00:10:26 - 00:11:10): Charles concludes by underscoring that benefits, when seen as an investment, can yield significant returns in productivity, loyalty, and company growth.

💸 INSANE GAME PLAN to make you SUPER SUCCESSFUL and SKYROCKET YOUR BUSINESS! 💸

Welcome to HeyCharles, as a CEO, business owner, and entrepreneur, Charles helps create a game plan for ultimate success. 🚀

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Why Traditional Healthcare Is Failing You: The Rise of Direct Primary Care

In his podcast, Charles Ernst introduces the concept of direct primary care (DPC), a membership-based healthcare model where doctors don’t accept insurance, allowing for more personalized and accessible care. He highlights common frustrations with traditional healthcare, such as long wait times and rushed appointments, and explains how DPC offers solutions like same-day appointments and longer, more in-depth visits. Charles shares his personal experience with DPC, appreciating the direct access and stronger relationship with his doctor, while still maintaining insurance for catastrophic needs. He explains that DPC doctors have smaller patient loads, which allows them to provide more attentive and individualized care. Comparing DPC to the old-school model of medicine where doctors personally knew their patients, he sees it as a return to deeper, more meaningful healthcare relationships. Charles predicts that as dissatisfaction with traditional healthcare grows, more people will turn to DPC for a better, more personalized experience.

💸 INSANE GAME PLAN to make you SUPER SUCCESSFUL and SKYROCKET YOUR BUSINESS! 💸

Welcome to HeyCharles, as a CEO, business owner, and entrepreneur, Charles helps create a game plan for ultimate success. 🚀

Key Moments:

Introduction to Direct Primary Care (00:00:55 - 00:01:20): Charles introduces the concept of direct primary care (DPC), explaining that it's a model where doctors don’t accept insurance but operate on a membership-based service, providing patients with more personalized and accessible care.

Frustrations with Traditional Healthcare (00:01:20 - 00:02:16): He highlights the common frustrations people experience with traditional healthcare, such as long wait times to see a doctor and limited time spent during appointments.

Benefits of Direct Primary Care (00:02:32 - 00:03:28): Charles discusses the advantages of DPC, including same-day or next-day appointments, longer doctor visits (up to 30-60 minutes), and a stronger doctor-patient relationship.

His Personal Experience with DPC (00:03:28 - 00:04:21): He shares his own experience using DPC for his family, mentioning that while he still maintains insurance for catastrophic needs, he values the direct access and relationship he has with his DPC physician.

Smaller Patient Loads for Doctors (00:04:00 - 00:04:21): Charles explains that DPC doctors usually handle fewer patients, allowing them to provide more attentive care, which contrasts with the high patient volumes required by traditional insurance-based practices.

A Return to Old-School Medicine (00:05:17 - 00:06:01): He compares DPC to the old-school model of healthcare where doctors personally knew their patients and families, creating a deeper, more ongoing connection, which is often lost in today’s traditional systems.

The Future of Healthcare with DPC (00:06:37 - 00:07:18): Charles concludes by predicting that more DPC practices will emerge as people seek more personalized healthcare services in response to the increasing frustrations with the current system.

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Distractions Are Killing Your Success: How to Eliminate Them Now

In his latest podcast, Charles Ernst discusses the pervasive issue of distractions and how they prevent people from achieving their goals. He emphasizes that successful individuals stay focused by avoiding distractions and maintaining discipline. Charles highlights the importance of recognizing distractions, such as constant information and work notifications, and taking conscious steps to eliminate them. He reflects on human nature’s tendency to procrastinate and the excuses people make to avoid important tasks. To combat this, he stresses the need for discipline, routines, and setting boundaries to create uninterrupted time for focus. Finally, Charles advises surrounding yourself with disciplined, like-minded individuals to help maintain focus and stay on track toward success.

💸 INSANE GAME PLAN to make you SUPER SUCCESSFUL and SKYROCKET YOUR BUSINESS! 💸

Welcome to HeyCharles, as a CEO, business owner, and entrepreneur, Charles helps create a game plan for ultimate success. 🚀

Key Moments:

The Struggle with Distractions (00:00:49 - 00:01:08): Charles talks about how distractions are one of the biggest obstacles preventing people from accomplishing their goals and achieving success, a struggle he has faced personally in his entrepreneurial journey.

Staying Focused Like Successful People (00:01:28 - 00:01:50): He emphasizes how successful people remain focused by avoiding distractions and staying disciplined, keeping their eye on their goals and objectives.

Identifying Distractions (00:02:16 - 00:02:26): Charles highlights the importance of being aware of the distractions surrounding us, from constant information flow to work notifications, and the need to consciously decide to avoid them.

Human Nature and Procrastination (00:02:26 - 00:03:01): He reflects on how it's human nature to procrastinate and how people often give themselves excuses not to push through the tasks they need to accomplish.

Importance of Discipline and Routine (00:03:23 - 00:04:06): Charles stresses the importance of discipline and having a routine, as successful people set themselves up for success by creating routines that help them avoid distractions and stay productive.

Setting Boundaries and Time Blocks (00:06:10 - 00:07:00): He discusses the need to set boundaries with others and block out uninterrupted time for important tasks to maintain focus and ensure productivity.

Surrounding Yourself with Disciplined People (00:07:37 - 00:07:57): Charles encourages surrounding yourself with like-minded, disciplined individuals who share the same mindset, as this helps maintain focus and stay on course toward success​

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Garbage In, Garbage Out: How What You Consume is Ruining Your Mindset

In this podcast, Charles Ernst explores the concept of mental toughness and how it is influenced by the information we consume. He emphasizes the idea of "garbage in, garbage out," explaining that constantly absorbing negative or sensationalized content can impact behavior, mindset, and overall well-being. Charles highlights the dangers of information overload, which contributes to anxiety and stress. Sharing a personal story, he illustrates how consuming too much intense content strained his relationships and mindset. He encourages listeners to filter the information they expose themselves to and recommends reading physical books as a way to slow down and process information more clearly. Ultimately, Charles advocates for surrounding oneself with positive, growth-oriented content to build mental resilience and maintain focus in life.

💸 INSANE GAME PLAN to make you SUPER SUCCESSFUL and SKYROCKET YOUR BUSINESS! 💸

Welcome to HeyCharles, as a CEO, business owner, and entrepreneur, Charles helps create a game plan for ultimate success. 🚀

Key Moments:

Mental Toughness and Information Consumption (00:00:00 - 00:00:48): Charles discusses how mental toughness is affected by the information we consume, stressing the importance of being mindful of the media we expose ourselves to.

Garbage In, Garbage Out (00:00:48 - 00:01:33): He emphasizes the concept of "garbage in, garbage out," explaining how constantly consuming negative or sensationalized information can influence behavior, thought processes, and overall outlook on life.

The Effects of Information Overload (00:01:33 - 00:02:15): Charles highlights how the overwhelming amount of real-time information available today contributes to anxiety, stress, and an inability to focus or cope effectively.

Personal Experience with Information Consumption (00:02:43 - 00:03:19): He shares a personal story about how listening to an intense podcast multiple times a day affected his mindset and strained his relationships, illustrating the power of the content we consume.

The Importance of Filtering Information (00:05:13 - 00:06:19): Charles encourages listeners to actively filter the information they take in and avoid content that triggers negative emotions or stress, offering steps to minimize exposure to harmful content.

Reading Physical Books for Clarity (00:09:46 - 00:10:09): He talks about how reading physical books, rather than digital content, helps him process information better and improves focus, recommending it as a way to slow down and consume information more thoughtfully.

Surrounding Yourself with Growth-Minded Content (00:10:28 - 00:11:05): Charles advises surrounding oneself with positive, growth-focused content to foster discipline and mental resilience, which can help individuals maintain a strong mindset and perform better in life.

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The 1-Hour Fitness Hack Every Businessman Needs to Know

In the podcast, John Thompson discusses the importance of balance in a businessman’s life, emphasizing the need to prioritize health alongside work and family. He addresses the cycle of self-sabotage that many men experience, where they lose weight only to gain it back due to imbalances in other areas of life. John introduces the concept of the "minimal effective dose" in fitness, showing how just one hour of training per week can deliver optimal results. He stresses that fat loss is driven primarily by nutrition, with exercise contributing to muscle building and overall health. Consistency in fitness, rather than overloading with excessive workouts, is key to long-term success. John wraps up by highlighting his "Core Four" approach, where success is measured by daily progress in body, being, balance, and business.

💸 INSANE GAME PLAN to make you SUPER SUCCESSFUL and SKYROCKET YOUR BUSINESS! 💸

Welcome to HeyCharles, as a CEO, business owner, and entrepreneur, Charles helps create a game plan for ultimate success. 🚀

Key Moments:

The Importance of Balance (00:01:05 - 00:01:20): John emphasizes how businessmen often become one-dimensional by focusing on their work, neglecting their health, and how his program aims to teach men to balance their business, body, and family.

Self-Sabotage Cycle (00:01:38 - 00:01:55): John explains how many clients repeatedly lose weight only to gain it back because other areas of their lives are out of balance, leading to a cycle of self-sabotage.

Efficiency in Fitness (00:03:00 - 00:03:15): He discusses the concept of "minimal effective dose" in fitness, showing how businessmen can achieve optimal results with just one hour of workout per week, maximizing time for their business and family.

Mental Shift for High Performance (00:06:00 - 00:06:15): John shares how shifting the focus from overtraining to effective training enhances overall performance, not just in the gym but also in business, family, and life.

Diet vs. Exercise in Fat Loss (00:12:00 - 00:12:30): He busts the myth that exercise is the primary driver for fat loss, stating that fat loss is almost entirely dependent on nutrition, with exercise playing a role in muscle building and overall health.

Consistency Beats Overload (00:18:00 - 00:18:30): John explains that consistency in a manageable routine, like one hour of intense weekly training, is more sustainable than overloading with excessive gym hours that lead to burnout.

Balancing the Core Four (00:30:48 - 00:31:05): He talks about his "Core Four" approach, where men need to score points daily in the quadrants of body, being, balance, and business to maintain success in all areas of life.

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money, business, ceo, investing, make money, business tips, get rich, money game plan, money mindset, podcast

The Secret to Getting RICH in a Recession... It's Easier Than You Think!

In his latest podcast, Charles Ernst addresses the current economic uncertainty, with businesses facing declining sales and rising expenses. He describes the "looming cloud" of doubt that many business owners are feeling, especially with the possibility of a recession. However, Charles sees this as a prime opportunity for entrepreneurs to step in with creative solutions. He explains that during times of economic success, businesses resist change, but in downturns, they are more open to fresh ideas. By reconnecting with old leads and reintroducing solutions that were previously dismissed, business owners can take advantage of the current climate. Charles urges listeners to double down on good ideas and market aggressively, as businesses are more willing to listen and seek help in tough times.

💸 INSANE GAME PLAN to make you SUPER SUCCESSFUL and SKYROCKET YOUR BUSINESS! 💸

Welcome to HeyCharles, as a CEO, business owner, and entrepreneur, Charles helps create a game plan for ultimate success. 🚀

Key Moments:

Economic Uncertainty (00:00:00 - 00:00:47): Charles introduces the episode by addressing the current economic challenges, including sales declines, rising expenses, and the overall sense of uncertainty among business owners.

The Looming Cloud (00:00:47 - 00:01:07): He describes the "looming cloud" of doubt and fear that many business owners are experiencing due to concerns about a potential recession or rough economic times ahead.

Opportunity in Downturns (00:01:59 - 00:02:15): Charles suggests that economic downturns present great opportunities for business owners, as people are more likely to listen to new ideas and explore cost-saving solutions during tough times.

Why Businesses Resist Change When Times Are Good (00:02:15 - 00:02:36): He explains that when businesses are thriving, they tend to resist change and are less open to new solutions, but during challenging times, they become more receptive to fresh approaches.

Reconnecting with Old Leads (00:03:03 - 00:04:10): Charles shares his strategy of revisiting previous leads who didn’t move forward with his solutions in the past, noting that these clients are now more open to conversations because of the current economic climate.

Leveraging Creativity in Sales (00:04:10 - 00:04:40): He encourages business owners to take creative approaches and reintroduce solutions that might have been rejected in the past, as businesses are now more willing to listen and consider innovative ideas.

Seizing Opportunities in Downturns (00:05:00 - 00:06:13): Charles emphasizes that now is the time to double down on good ideas, market aggressively, and present strong solutions, as businesses are more likely to seek help during uncertain times​.

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money, business, ceo, investing, make money, business tips, get rich, money game plan, money mindset, podcast

In the podcast, Charles Ernst interviews Kirti Mutatkar, CEO of United AG, discussing the company's human-centered approach to healthcare. Kirti shares how United AG tripled in size by prioritizing personal connections and treating members as individuals, not just numbers. The company’s customer service philosophy ensures live representatives answer calls to provide real-time support during critical health moments. Kirti highlights the importance of cultural alignment in hiring, ensuring employees relate to the agricultural communities they serve. During the COVID-19 pandemic, United AG boldly offered free mental health services to members, reinforcing their commitment to human care. Lastly, Kirti explores the role of AI in healthcare, emphasizing how it can enhance efficiency without replacing the essential human touch.

💸 INSANE GAME PLAN to make you SUPER SUCCESSFUL and SKYROCKET YOUR BUSINESS! 💸

Welcome to HeyCharles, as a CEO, business owner, and entrepreneur, Charles helps create a game plan for ultimate success. 🚀

Key Moments:

1. Human-Centered Approach to Healthcare (00:01:06 - 00:02:29): Kirti explains United AG’s mission to put humans at the forefront of healthcare, emphasizing the importance of treating members as individuals rather than just numbers, which has led to the company's growth.
2. Growth from Underdog to Industry Leader (00:01:26 - 00:02:10): Kirti shares how United AG tripled in size over the last ten years, growing from $80 million in contributions to $255 million, driven by their human-focused approach.
3. Customer Service Philosophy (00:03:14 - 00:05:00): Kirti highlights how United AG’s customer service prioritizes personal connections, ensuring that a live person answers calls to avoid the frustration of automated systems, especially during critical health moments.
4. Cultural Alignment in Hiring (00:05:00 - 00:06:13): United AG intentionally hires customer service representatives who relate to the agricultural industry and its cultural nuances, ensuring deeper empathy and understanding of the members’ needs.
5. Mental Health Initiatives During COVID-19 (00:12:05 - 00:13:45): Kirti talks about United AG’s bold decision during the pandemic to offer free mental health services to its members, regardless of cost, to support the essential agriculture workers.
6. The Importance of Teamwork for Success (00:09:12 - 00:10:01): Kirti emphasizes that United AG's success is due to the collective effort of the entire team, not just one person or department, fostering a culture of unity and shared goals.
7. Exploring AI in Healthcare (00:18:12 - 00:20:36): Kirti discusses the potential of AI to augment healthcare services, focusing on how it can improve internal efficiencies while maintaining the human touch in patient care, without replacing it.

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In the podcast, Charles and Joanna Ernst discuss the challenges of balancing honesty in both their business and marriage. They emphasize the importance of defining clear roles within the business to avoid overstepping boundaries and causing unnecessary conflicts. Joanna admits that she sometimes holds back on sharing honest feedback with Charles, fearing that it might dampen his enthusiasm. They highlight how past business failures have taught them the value of open communication and accepting that not every idea will work out. To prevent misunderstandings, they schedule weekly meetings specifically for honest conversations without judgment. Ultimately, their commitment to open dialogue has strengthened both their marriage and business, positively impacting their personal and professional lives.

💸 INSANE GAME PLAN to make you SUPER SUCCESSFUL and SKYROCKET YOUR BUSINESS! 💸

Welcome to HeyCharles, as a CEO, business owner, and entrepreneur, Charles helps create a game plan for ultimate success. 🚀

Key Moments:

Balancing Criticism in Business and Marriage (00:01:00 - 00:02:07): Charles and Joanna discuss the challenges of being honest with your spouse about business matters without crossing personal boundaries, acknowledging that withholding criticism can lead to bigger issues.

Defining Roles in the Business (00:07:35 - 00:08:15): They highlight the importance of clearly defining roles within the business to avoid overstepping each other's responsibilities and creating unnecessary conflict.

The Fear of Sharing Honest Feedback (00:16:42 - 00:17:18): Joanna admits she sometimes holds back from sharing honest feedback about Charles's ideas because she doesn’t want to be negative or crush his enthusiasm, which is a common dynamic in partnerships.

Learning from Business Failures (00:17:35 - 00:18:35): They talk about how past business failures have taught them to communicate better and how they've learned to accept that not every idea will work out, but open dialogue is essential.

Balancing Personal and Professional Lives (00:14:31 - 00:15:20): Charles discusses the difficulty of keeping personal emotions out of professional conversations and how holding back on business feedback can cause tension at home.

Scheduling Time for Open Communication (00:20:59 - 00:21:20): They share how scheduling weekly meetings specifically for laying out thoughts and ideas without fear of judgment has helped them address concerns and avoid misunderstandings.

Strengthening Marriage Through Honest Communication (00:25:00 - 00:26:20): They conclude by emphasizing that their marriage and business have grown stronger by being completely honest with each other, which has positively impacted all aspects of their lives, from family to business.

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money, business, ceo, investing, make money, business tips, get rich, money game plan, money mindset, podcast

Love and Business: The Secret to Balancing Marriage and Entrepreneurship

In his latest podcast, Charles Ernst and his wife, Joanna, discuss the challenges of balancing their marriage and business life. They emphasize the importance of setting clear boundaries to prevent business discussions from encroaching on their personal time, which can create tension in their relationship. The couple shares how they manage work-related stress by scheduling specific times for business conversations and shutting down distractions, like putting away their phones during family time. They also highlight the need for vulnerability and honest communication, especially when one partner is feeling overwhelmed. Despite their differing personalities, which sometimes clash, they find that these differences help balance both their business and personal lives. Charles and Joanna encourage other couples in business together to give themselves grace and remain flexible, as maintaining this balance is an ongoing effort.

💸 INSANE GAME PLAN to make you SUPER SUCCESSFUL and SKYROCKET YOUR BUSINESS! 💸

Welcome to HeyCharles, as a CEO, business owner, and entrepreneur, Charles helps create a game plan for ultimate success. 🚀

Key Moments:

The Challenge of Balancing Business and Marriage (00:01:10 - 00:02:21): Charles and his wife, Joanna, discuss the difficulties of maintaining boundaries between their business and personal lives, particularly when business discussions bleed into their personal time.

Importance of Setting Boundaries (00:02:21 - 00:03:45): They emphasize the need for setting clear boundaries to separate work from personal life, acknowledging that failing to do so can create tension and affect their relationship.

Shutting Down Work Conversations at Home (00:07:05 - 00:08:10): Charles shares how they've learned to treat work discussions like client meetings, by scheduling specific times to talk and shutting down distractions, such as putting their phones away.

Dealing with Stress and Overwork (00:14:00 - 00:15:12): The couple discusses how stress and overwork have affected their sleep and health, leading to late-night conversations that disrupt their rest and overall well-being.

Vulnerability and Honest Communication (00:16:03 - 00:17:12): They highlight the importance of being vulnerable and honest with each other, especially when one partner is struggling with balancing the demands of both the business and their personal lives.

Navigating Type-A Personalities in Business (00:18:09 - 00:18:33): Charles and Joanna talk about how their differing personalities, with Charles being more intense, sometimes clash but ultimately help them balance each other out in both their business and marriage.

Grace and Flexibility in Business and Marriage (00:19:11 - 00:20:05): They conclude by encouraging couples in business together to give themselves grace, recognizing that maintaining a balance between work and personal life is a constant effort that requires flexibility and ongoing adjustments.

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money, business, ceo, investing, make money, business tips, get rich, money game plan, money mindset, podcast

In his latest podcast, Charles Ernst discusses three critical financial mistakes that can sabotage a business. He highlights the dangers of overoptimistic budgeting, urging business owners to take a conservative approach and include a cushion for unexpected expenses. Charles also emphasizes the importance of having a contingency fund and a credit line to manage unforeseen costs that could otherwise destabilize operations. He warns against using business funds as a personal piggy bank, which can hinder growth and complicate financial management. To ensure sustainable success, he recommends setting up a proper salary and profit distribution structure, keeping personal and business finances separate. Charles concludes by stressing the need for financial discipline, encouraging business owners to establish and follow financial rules to set their businesses up for long-term success.

💸 INSANE GAME PLAN to make you SUPER SUCCESSFUL and SKYROCKET YOUR BUSINESS! 💸

Welcome to HeyCharles, as a CEO, business owner, and entrepreneur, Charles helps create a game plan for ultimate success. 🚀

Key Moments:

Overoptimistic Budgeting (00:01:03 - 00:03:26): Charles emphasizes the dangers of being overly optimistic in budgeting, explaining that many businesses underestimate their expenses by 20-40%, leading to financial difficulties.

The Importance of Being Conservative with Budgets (00:03:26 - 00:04:36): He advises business owners to adopt a conservative approach when planning budgets, including adding a cushion for unexpected costs and considering professional advice to avoid underestimating expenses.

Lack of Contingency Funds (00:05:18 - 00:06:34): Charles discusses the risks of not having a contingency fund for unexpected expenses, such as sudden increases in insurance premiums or supply costs, which can destabilize a business.

Establishing a Credit Line for Emergencies (00:07:14 - 00:07:33): He suggests setting up a credit line specifically for emergencies, which can provide a safety net when unexpected expenses arise and help maintain business operations.

Using Business Funds as a Personal Piggy Bank (00:08:19 - 00:09:05): Charles warns against the common mistake of treating business funds like a personal piggy bank, which can hinder the business’s growth and complicate financial management.

Setting Up a Proper Salary and Profit Distribution Structure (00:09:05 - 00:10:18): He recommends that business owners pay themselves a fixed salary and establish a structured profit distribution plan to keep personal and business finances separate and ensure sustainable growth.

The Importance of Financial Discipline (00:10:47 - 00:11:09): Charles concludes by stressing the need for financial discipline, encouraging business owners to set rules, follow them, and avoid bad financial habits to set themselves up for long-term success​

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money, business, ceo, investing, make money, business tips, get rich, money game plan, money mindset, podcast