Life, Finance, & Real Estate with KirbyTheRealtor

💬 I’d love to hear from you. If this episode encouraged you, taught you something new, or helped you think differently, please leave a review and share your biggest takeaway. Your feedback helps this show grow and helps others find it.

Let’s be real for a second…

Some of you are asking God for more
More money
More opportunities
More responsibility
More growth

But the real question is…

👉 Are you prepared for what you’ve been asking for?

Because a lot of times…

We want the blessing
But we’re not ready for the responsibility that comes with it

In this episode of Life, Finance, & Real Estate, we talk about
❌ Wanting more but not preparing for it
❌ Praying for increase but lacking discipline
❌ Asking for opportunity but not being organized for it

And how preparation is the real proof that you’re ready

Because what you pray for requires a version of you that’s disciplined, consistent, and ready to handle it

💥 And that’s the shift

This episode will challenge you, stretch you, and make you look in the mirror

Not next month
Not next year

👉 But NOW

This is not just about real estate
This is about becoming the person who can sustain what you’ve been asking for

🎯 TAKE ACTION

This week ask yourself

What am I praying for… and am I actually preparing for it?

Then take ONE step toward becoming that version of yourself

📻 LISTEN LIVE

92.1 FM
http://www.921wjmg.com

🎧 LISTEN ON PODCAST PLATFORMS

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💬 LET’S TALK

Drop a comment below
What are you praying for… and are you ready for it?

🔑 REMEMBER

Own your life…
so you can own a piece of America 🇺🇸

🔥 HASHTAGS

#LifeFinanceRealEstate #KirbyTheRealtor #Episode18 #PreparedForMore #FaithAndDiscipline #OwnYourLife #OwnAPieceOfAmerica #MindsetFirst #LevelUp

💬 I’d love to hear from you. If this episode encouraged you, taught you something new, or helped you think differently, please leave a review and share your biggest takeaway. Your feedback helps this show grow and helps others find it.

📝 EPISODE DESCRIPTION

You’ve got the idea.
You’ve got the gift.
You’ve got the vision.

So why haven’t you started?

In this episode of Life, Finance, & Real Estate, Kirby sits down with special guest Waverly McSwain, CEO of WM Beauty, to talk about what it really takes to move from doubt to doing.

This conversation is for the person who knows you’re called to more… but keeps second guessing yourself and waiting to feel ready.

Because the truth is… waiting has been costing you more than you realize.

Together, we break down
• Why overthinking keeps you stuck
• How sitting on your gift delays your growth
• Why confidence doesn’t come first… movement does
• What it really looks like to turn your skill into income

Waverly shares her journey of starting before she felt ready and how she built something by choosing to move anyway.

This episode will challenge you, stretch you, and push you to take action now… not next month, not next year.

🎯 TAKEAWAYS

• You don’t need more information… you need to move
• Your gift has value but only if you use it
• Waiting will cost you more than starting imperfectly
• Confidence is built through action, not before it

📝 THIS WEEK’S ASSIGNMENT

Take that idea, that skill, that thing you’ve been sitting on… and do ONE thing

Write it down
Tell someone about it
Or take one action step

But move

📻 LISTEN LIVE

92.1 FM
http://www.921wjmg.com

🎧 CONNECT + SUBSCRIBE

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🔑 FINAL WORD

Own your life…
so you can own a piece of America 🇺🇸

💬 I’d love to hear from you. If this episode encouraged you, taught you something new, or helped you think differently, please leave a review and share your biggest takeaway. Your feedback helps this show grow and helps others find it.

In this episode of Life, Finance, & Real Estate with KirbyTheRealtor, we’re addressing one of the biggest things standing between you and your next level…

👉🏽 Fear.

Not the loud kind.
Not the obvious kind.

But the kind of fear that quietly talks you out of your next move.

The kind that delays…
That overthinks…
That procrastinates…
That makes excuses sound reasonable…

The kind that keeps you busy… but not moving.

Because here’s the truth…

💥 Many people are not stuck because they’re not ready…
They’re stuck because fear has been making their decisions.

This episode builds on last week’s message, Position Yourself to Win, and answers the real question:

If you know what to do…
What’s still holding you back?

💥 In this episode, we break down:

🧠 How fear disguises itself as logic, timing, and caution
💭 How overthinking and avoidance are costing you progress
📊 Why clarity is the key to moving forward
💳 How fear shows up in your finances, credit, and decisions
🎯 And how to stop waiting and start taking action

💥 Key Takeaways:

✔ Fear is not always loud — sometimes it’s subtle and disguised
✔ Avoidance is expensive and will cost you more than you realize
✔ Clarity kills fear and gives you direction
✔ You don’t need to feel ready — you need to be willing
✔ Movement breaks the cycle of hesitation

🎯 This episode is not just about fear…
It’s about awareness, responsibility, and action.

Because you cannot move forward…
if fear is still in control.

💥 I don’t just talk about real estate…
I teach you how to become the person who can sustain it.

📝 Homework Assignment:

Take a moment and write this down:

“What Fear Has Been Costing Me”

Then answer:

• What have I been avoiding?
• What decision have I delayed because I am afraid?
• What is one action I need to take this week?

Then take one step.

Not everything.
Not ten things.

One.

Because clarity kills fear.
Action exposes fear.
Truth weakens fear.

📣 And I’ll leave you with this…

Own your life…
so you can own a piece of America 🇺🇸

#LifeFinanceRealEstate #KirbyTheRealtor #OwnYourLife #OwnAPieceOfAmerica #MindsetFirst #LevelUp

💬 I’d love to hear from you. If this episode encouraged you, taught you something new, or helped you think differently, please leave a review and share your biggest takeaway. Your feedback helps this show grow and helps others find it.

Hey family… hey family… hey family…

This episode is a shift.

Over the last few weeks, we’ve been having real conversations about mental health and credit… but today, we bring it all together.

Because the truth is…

👉🏽 You don’t have a money problem… you have a positioning problem.

In this episode, Kirby dives deeper into what’s really holding people back:

🧠 Mental overwhelm and how it’s affecting your consistency
💭 Emotional instability and how it impacts your decision-making
💳 Credit and how your habits are showing up in your financial life
📊 Structure, discipline, and becoming the CFO of your life

Because you cannot position yourself to win…

If your mind is unstable
If your habits are inconsistent
And if your structure is nonexistent

💥 Key Takeaways:

• Feelings are temporary, but decisions build your life
• Overwhelm leads to avoidance and inconsistency
• Your credit is a reflection of your habits, not just your income
• Opportunity doesn’t wait… it reveals who is prepared
• Success comes to those who decide to get better

📖 Biblical Insight:

Joseph didn’t wait for the famine… he prepared in the season of abundance.
And when things shifted, he wasn’t stressed… he was positioned.

🛠️ What You’ll Learn:

• How to track your spending
• Why knowing your numbers matters
• How to create financial margin
• Why your habits matter more than your income
• How to make intentional, disciplined decisions

🎯 This episode is bigger than money.

It’s about becoming the person who can handle what you’re asking for.

📡 Streamed LIVE every Thursday on 92.1 FM

🎧 Catch the replay on:
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Apple Podcasts
Spotify
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iHeartRadio
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…and more

🔍 Just search: Life, Finance, & Real Estate with KirbyTheRealtor

📣 Kirby’s Message:

Own your life… so you can own a piece of America.

🔁 Follow, share, and subscribe for more conversations that help you grow mentally, financially, and spiritually.

💬 I’d love to hear from you. If this episode encouraged you, taught you something new, or helped you think differently, please leave a review and share your biggest takeaway. Your feedback helps this show grow and helps others find it.

This episode is different.

We’ve been talking about mindset and finances… but today, we go deeper.

Because the truth is…

You can have the strategy.
You can have the opportunity.
You can even have the resources…

👉🏽 But if your mind isn’t right… none of it works.

💭 In this episode, we talk about mental health and how it impacts:
✔ Your decisions
✔ Your discipline
✔ Your finances
✔ Your life

🎙️ Special Guest:
Danyella Berry
Founder of Beyond the Brokenness Mental Wellness Solutions, LLC

We’re having a real, honest conversation about healing, growth, and what it truly takes to move forward.

Because you cannot build a strong life on a broken mind.

🎧 Catch the Replay On:
YouTube
Apple Podcasts
Spotify
Amazon Music
iHeartRadio
Overcast
Castbox
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…and more

🔍 Just search: Life, Finance, & Real Estate with KirbyTheRealtor

💬 Let’s stay connected:
👍 Like
💬 Comment
🔔 Subscribe & turn on notifications

📣 Kirby’s Message:
Let’s grow… not just financially, but mentally and spiritually too.

#LifeFinanceRealEstate #KirbyTheRealtor #MentalHealthMatters #OwnYourLife #OwnAPieceOfAmerica #MindsetFirst

💬 I’d love to hear from you. If this episode encouraged you, taught you something new, or helped you think differently, please leave a review and share your biggest takeaway. Your feedback helps this show grow and helps others find it.

Episode 13: What happens when life hits you unexpectedly… and your credit takes the hit too?

In this powerful episode of Life, Finance, & Real Estate with KirbyTheRealtor, Kirby opens up about a real and personal season in her life when everything shifted.

After her husband lost his job, she found herself trying to hold everything together on her own. Bills, responsibilities, and the pressure of it all began to take a toll. For the first time, she experienced what it felt like to have her credit impacted.

And like many people, she thought she had more time… until she didn’t.

But what could have been a breaking point turned into a turning point.

Through faith, support, and the right guidance, Kirby was able to get back on track—and now she’s bringing that same knowledge and access to you.

This episode features special guests, CEOs Marques Johnson and Quonesha Johnson of New Life Credit Consulting, who helped guide her through that season and are now here to help you understand your credit and your options.

Because your credit does not define you… but it can position you.

In this conversation, we discuss:

• What a credit score really is and why it matters
• How credit impacts your ability to buy a home and build wealth
• Common mistakes people make that hurt their credit
• How to recover if your credit has taken a hit
• Why it is never too late to get back on track
• The importance of having the right people in your corner

This episode is not just about credit.

It is about hope.
It is about restoration.
It is about taking back control of your financial future.

If you have ever felt stuck, discouraged, or unsure of your next step… this conversation is for you.

📻 Tune in at 12 NOON
📡 92.1 FM | http://www.921wjmg.com

🎧 Catch the replay on:
YouTube, Apple Podcasts, Spotify, Amazon Music, iHeartRadio, Overcast, Castro, Castbox, Goodpods, TrueFans, and more

Get in the room.
Let’s lead differently.

💬 I’d love to hear from you. If this episode encouraged you, taught you something new, or helped you think differently, please leave a review and share your biggest takeaway. Your feedback helps this show grow and helps others find it.

Why do we procrastinate?

Most people say they are waiting on the right time.
But the truth is… the right time rarely shows up.

Procrastination is not usually about laziness.
It is often rooted in fear, overwhelm, uncertainty, or the pressure to be perfect.

In this episode of Life, Finance, & Real Estate with KirbyTheRealtor, we get to the heart of what is really holding people back.

Because sometimes the biggest thing standing between you and the life you want…is simply the decision to start.

We break down how procrastination silently costs you more than you realize. Not just in time, but in opportunities, finances, and growth.

And we shift the mindset from waiting… to moving.

In this conversation, we discuss:

• Why procrastination is often connected to fear
• The difference between preparation and avoidance
• How small actions create real momentum
• Why waiting can cost you more than trying
• Practical ways to move past hesitation and take action

Sometimes the problem is not your ability.
Sometimes the problem is the delay.

And the life you want is on the other side of action.

📻 Tune in at 12 NOON
📡 92.1 FM | http://www.921wjmg.com

🎧 Catch the replay on:
YouTube, Apple Podcasts, Spotify, Amazon Music, iHeartRadio, Overcast, Castro, Castbox, Goodpods, TrueFans, and more

Get in the room.
Let’s lead differently.

💬 I’d love to hear from you. If this episode encouraged you, taught you something new, or helped you think differently, please leave a review and share your biggest takeaway. Your feedback helps this show grow and helps others find it.

Everybody wants to invest.
But few people build first.

In this powerful episode of Life, Finance & Real Estate with KirbyTheRealtor, we are joined by special guest Charles Thomas, as we break down the financial foundation that most people skip.

Because the truth is…

Wealth without structure creates stress.
Growth without preparation creates pressure.
But foundation creates freedom.

This is not just a conversation about investing.
This is a conversation about stewardship, ownership, and doing it the right way.

Before you grow your money, you have to understand it.
Before you invest, you have to build.

In this episode, we discuss:

• The true power of the dollar and why it matters
• What inflation really means for your money
• Why Roth IRAs and tax strategy are critical
• The difference between saving and investing
• How mutual funds work and why they matter
• How stocks create ownership in companies
• Why your money must outpace inflation
• Practical steps to begin investing with confidence

This episode will challenge how you think about money.

Because it is not just about making money.
It is about managing it, multiplying it, and moving with intention.

This is about:

Owning your life.
Owning your finances.
Owning a piece of America.

📻 Originally aired on:
92.1 FM

🎧 Catch the replay on:
YouTube, Apple Podcasts, Spotify, Amazon Music, iHeartRadio, Overcast, Castro, Castbox, Goodpods, TrueFans, and more

Get in the room.
Let’s lead differently.

💬 I’d love to hear from you. If this episode encouraged you, taught you something new, or helped you think differently, please leave a review and share your biggest takeaway. Your feedback helps this show grow and helps others find it.

🎙️ Life, Finance & Real Estate with KirbyTheRealtor  

What if the very conversations you avoid about money are the ones that could change your future?

In this impactful episode of Life, Finance & Real Estate with KirbyTheRealtor, we are joined by special guest Charles Thomas as we dive into the financial conversations most people never have.

Because the truth is…

Silence creates confusion.
Confusion creates cycles.
But conversations create clarity.

Financial growth begins the moment you stop guessing and start learning.

This is not surface-level talk.
This is real conversation for real life.

In this episode, we discuss:

• Why financial education changes generational outcomes
• The role of guidance and mentorship in building wealth
• How to ask better, more intentional money questions
• The power of planning over pressure
• Why understanding your numbers builds confidence
• Practical conversations that can shift your financial direction

This episode will challenge you to think differently.

Because it is not just about making money.
It is about understanding it, managing it, and making it work for you.

This is about:

Owning your life.
Owning your finances.
Owning a piece of America.

📻 Originally aired on:
92.1 FM

🎧 Catch the replay on:
YouTube, Apple Podcasts, Spotify, Amazon Music, iHeartRadio, Overcast, Castro, Castbox, Goodpods, TrueFans, and more

Get in the room.
Let’s lead differently.

💬 I’d love to hear from you. If this episode encouraged you, taught you something new, or helped you think differently, please leave a review and share your biggest takeaway. Your feedback helps this show grow and helps others find it.

In this episode, we’re talking about the difference between responsibility and performance.
Looking grown isn’t the same as being disciplined.
Being busy isn’t the same as being productive.
Making money isn’t the same as managing money.
Adulting is not about age.
It’s about ownership.

In this conversation, we break down:
• The difference between reacting and leading your life
• Why structure creates stability
• How stewardship reveals maturity
• The financial habits that separate growth from cycles
• Why clarity must come before control
• What it really means to become the CFO of your life
This is not casual listening.
This is intentional conversation about responsibility, discipline, and direction.
About owning your life.
About owning your finances.
About owning a piece of America.

📻 Originally aired on:
92.1 FM and 93.1 FM
Like. Share. Tune in.
Let’s grow together.
#LifeFinanceAndRealEstate #KirbyTheRealtor #CFOofYourLife #OwnYourLife #OwnAPieceOfAmerica