Building your own successful business and creating online income streams is something that so many people across the world are trying to achieve. You may be one of them!

Our next guest, David Ralph, is an online business coach and the host of the top-ranked podcast, Join Up Dots. David takes his guests on a journey of discovery, inspired by the words of the late Steve Jobs. David "joins up the dots" of his guests' lives, highlighting their failures and successes (with more than a few laughs in between). Join Up Dots has gained a massive audience in over 160 countries with its fun and quirky style.

Bob delves into David's personal relationship with money as they chat about:

• How cold calling taught him the necessary skill he uses today as a podcaster.
• Growing up without money can program you to be scared to spend even when you do have money.
• His biggest regret around not understanding when to sell stocks and shares.
• The fine line between being tight with money and being a spender.
• Transforming himself from being money-driven to freedom driven.

David Says, "An online business doesn't have to be hard, unless it's a Viagra business." Learn more about how David can help you "Join Up Dots" in your life and business.