In this episode, we explore the power of Heart Rate Variability (HRV) as a window into your heart health—and how you can improve it. Joining us from Norway is Dr. Torkil Faero, a seasoned General Practitioner and emergency physician with 26 years of experience. Dr. Faero has practiced medicine across Norway and in war-torn Angola with Doctors Without Borders, gaining a deep understanding of the human body under extreme conditions.

Beyond his medical expertise, Dr. Faero is a true renaissance man—an award-winning photographer, author, and documentary filmmaker. His latest book, The Pulse Cure, reveals how heart rate monitors and smartphones can unlock critical insights about stress, resilience, and the autonomic nervous system. With a passion for exploration, he has traveled to over 80 countries and speaks eight languages, bringing a global perspective to the conversation.

Tune in as we uncover how HRV can be a game-changer for your health—and how simple tools can help you harness its power. 

• Welcome back to Money Mile (00:00)
• How do I create an income plan for my retirement? (01:04)
• Introducing Dr. Torkil Faero (12:45)
• Lifestyle changes Dr. Faero took to get healthy (14:12)
• What is heart rate variability and why we should watch it (17:00)
• Applying HRV as a tool for preventative health (22:45)
• Tips to increase health longevity (26:56)
• Genetic component of HRV (34:58)
• How long does it generally take to see HRV improvements? (46:10)
• Dr. Torkil Faero’s new books (51:36)

• The Pulse Cure
• BOOK: The Pulse Cure
• Follow on Instagram

• https://WallerFC.com 
• Waller Financial Coaching on Facebook
• Justin on Instagram
• Justin on LinkedIn

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Today, we’re joined by Kirsten Miller, a seasoned triathlete with over 22 years of experience and a board-certified sports nutritionist. Kirsten’s dedication to her family and her strategic approach to balancing training, racing, and home life have been the cornerstone of her longevity in the sport. Beyond her personal achievements, she’s passionate about helping endurance athletes optimize their health and performance through personalized nutrition strategies.

• Kirsten Miller’s Balance of Family, Triathlon, and Business (0:00)
• How to ensure a stable and enjoyable retirement (00:50)
• How Kirsten got started in triathlon (13:30)
• How Kirsten defines success (16:24)
• Kirsten’s best tips for triathlon expenses (17:45)
• Kirsten’s experience racing Boulder 70.3 (19:50)
• Kirsten’s nutrition business supporting triathletes: Nourish2Flourish (31:24)
• Kirsten’s turning point in her racing experience (36:00)

• Kirsten Miller
• Team in Training
• Nourish2Flourish

• https://WallerFC.com 
• Waller Financial Coaching on Facebook
• Justin on Instagram
• Justin on LinkedIn

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In today’s episode of Money Mile, we’re joined by Michele Cellai, a triathlete and nurse practitioner, to discuss her journey in triathlon and her career in health and wellness. Michele's passion for the sport started in the early 1980s after watching Julie Moss’s iconic Ironman finish, and she’s been racing ever since.

Michele also shares her work as a nurse practitioner focusing on lifestyle medicine, a holistic approach that treats chronic diseases through lifestyle changes such as diet, exercise, mindfulness, and better sleep. She is currently pursuing a certification in lifestyle medicine to help individuals improve their health through preventive care.

Michele opens up about her experiences with knee injuries, including a challenging 15-month recovery after tearing her meniscus in 2023. She emphasizes the importance of being patient with your body, maintaining strength, and focusing on long-term health. She also shares a dangerous experience at Ironman Arizona, where she faced a medical emergency during the swim, offering valuable insight into recognizing and responding to serious health issues in races.

Tune in for Michele’s inspiring story and learn how she balances triathlon, health, and wellness in both her personal and professional life.

• The best time to purchase long-term care insurance [00:43]
• How Michele got interested in triathlon [8:37]
• Michele’s work and certification in lifestyle medicine [9:37]
• How Michele defines success [11:48]
• Michele’s best financial choices in triathlon [14:02]
• Michele shares local smaller races to support [17:20]
• Michele’s near drowning incident during her race [21:00]
• Turning point in Michele’s training [29:30]
• What Michele would spend $100 on in triathlon [36:45]

• Cost of Long-Term Care
• Connect with Michele on LinkedIn

• https://WallerFC.com 
• Waller Financial Coaching on Facebook
• Justin on Instagram
• Justin on LinkedIn

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In this episode of Money Mile, I sit down with Carly and Tyler, the dynamic duo behind "Organic Coaching." They share the journey of how they built a thriving online coaching business that helps time-crunched triathletes balance training with their busy lives. 

From their impressive athletic achievements to growing a community of over 6,000 members during the COVID-19 era, Carly and Tyler's story is a testament to the power of consistent effort and the right guidance.

They discuss what success means to them—not just in athletic terms, but also in the fulfillment they've found working together, running their own business, and maintaining a healthy work-life balance. Tune in to hear how their philosophy and coaching approach have transformed lives worldwide.

• Strategies for a gradual retirement portfolio [00:35]
• How Carly and Tyler got started in their coaching business [9:25]
• About their Facebook support group for triathletes [11:13]
• Carly and Tyler’s athletic highlights [13:53]
• What success means to Carly and Tyler [20:39]
• Carly and Tyler’s best financial advice for the sport [26:32]
• The most underrated aspect of triathlete from a coach’s view [33:40]
• What Tyler and Carly want you to know [38:22]

• Organic Coaching
• Organic Coaching on Facebook
• Triathlon Training For Time Crunched Triathletes | Facebook

• https://WallerFC.com 
• Waller Financial Coaching on Facebook
• Justin on Instagram
• Justin on LinkedIn

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Brittany Vermeer is a triathlete and seasoned sports journalist. As a freelance writer and editorial consultant, she collaborates with top publications like Triathlete Magazine, Outside Run, Ironman, and Xterra. 

With six 70.3 triathlons under her belt, two World Championship qualifications, and her first full-distance Ironman completed in 2003, Brittany brings unparalleled expertise to the world of endurance sports.

In this episode, Brittany shares her journey from horse show championships to triathlons and discusses her blog, TripleThreatLife, where she offers practical tips and resources for fellow athletes.

During the Questions-on-Course segment, I also provide actionable advice for reducing student loan debt with the help of a specialized financial planner.

• My advice for navigating student loan debt [0:55]
• How Brittany got started in triathlon [5:20]
• How Brittany became a sports journalist [7:44]
• How Brittany defines success [13:13]
• Brittany’s experience volunteering in her local tri-club [14:54]
• Her best investment in triathlon [17:00]
• Brittany’s Blog to help triathletes [19:55]
• What Brittany wants people to know about her journey [35:10]

• Student Loan Planner - Get a Plan to Pay Off Your Student Loans
• Triple Threat Life
• Instagram
• Brittany on LinkedIn
• Brittany’s episode on The Inventory Genius Podcast 

• https://WallerFC.com 
• Waller Financial Coaching on Facebook
• Justin on Instagram
• Justin on LinkedIn

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We’re thrilled to welcome back Rebecca “Beaker” McKee to share her incredible journey at the Ironman Championship in Nice, France, where she placed 12th. In this episode, Beaker opens up about her experience with the course, the unique challenges of competing in Nice, and how it compares to her past races in Kona.

But this isn’t just a story about triathlons—it’s about resilience. Beaker shares her deeply personal battle with health challenges, including undergoing a full hysterectomy. She reveals the physical and emotional toll it took on her, her determination to recover, and how she found her way back to the sport she loves.

• How I think you should consider social security in your financial planning [0:48]
• You should be aware of these potential changes to social security [11:30]
• Beaker shares how having a full hysterectomy affected her [16:45]
• What Beaker hopes Ironman will do in the future for triathletes [33:30]
• Concerns and what was impressive about Nice, France’s courses [40:28]
• Comparing the financial costs of competing in Kona vs Nice [46:00]

• Rebecca Beaker McKee
• Peak Fitness Center
• IRONMAN France Nice - Anything is Possible
• The United States Social Security Administration | SSA

• https://WallerFC.com 
• Waller Financial Coaching on Facebook
• Justin on Instagram
• Justin on LinkedIn

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Today, I'm joined by Dana Bullard, a former marathon runner turned accomplished triathlete. Dana has completed 26 Ironmans, including six finishes at Kona. After years as a competitive runner through high school, college, and into her post-grad marathon career, she began to feel burnout creeping in. 

When a colleague invited her to try a sprint triathlon, Dana placed third—even with limited biking and swimming experience. Rediscovering the joy of competition, she embraced triathlons for their variety and the challenge to continually improve. In this conversation, Dana shares her journey to success, her strategies for overcoming obstacles, and the support system that keeps her going. 

(3:37) What success means to Dana

(5:40) The best and worst investments Dana made in the sport

(10:41) Dana shares her experience winning first place in an Ironman

(15:00) What Dana thinks most triathletes should know

(20:00) Dana’s unique independent training “community”

(22:23) Who Dana admires most in the triathlon sport

(30:05) Overcoming surgery for tumor and partial liver removal

(34:45) What to do to improve your retirement nest egg

• Dana Bullard
• Blake Bullard
• Scott Lott
• Project Podium

• https://WallerFC.com 
• Waller Financial Coaching on Facebook
• Justin on Instagram
• Justin on LinkedIn

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What if syncing your workouts to your menstrual cycle could mean the difference between podium finishes and painful struggles? Kateryna Moisyeyeva—widely known as Coach Kat —has lived it. After escaping an abusive marriage and starting from scratch in triathlon, she turned personal trauma into elite-level achievements and a groundbreaking approach to coaching women.

In this episode, I talk with Coach Kat about her emotional journey, how she transformed setbacks into strength, and why she believes women are setting their goals too low. We also dive deep into nutrition, the real impact of transitions, and why financial independence is a race worth training for.

(00:00) Meet Kateryna Moisyeyeva—widely known as Coach Kat

(02:20) Amy's story: The friend who sparked everything

(06:08) From partner to CKTri Team

(13:16) How cycle-synced training boosts female performance

(27:29) Tackling perimenopause and adjusting for success

(35:39) Coach Kat’s picks for $100 gear

• TrainingPeaks
• CKTri Team
• Gulf Coast 70.3 Triathlon
• Triathlete Magazine - Article about Coach Kat’s story
• How Menstrual Cycle Tracking Can Revolutionize Female Athlete Training
• The Effects of Contraception on Female Athletes’ Performance

• https://WallerFC.com 
• Waller Financial Coaching on Facebook
• Justin on Instagram
• Justin on LinkedIn

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In this episode, I sit down with Kirsten McCay, a triathlete, coach, and personal trainer excelling in both endurance sports and motherhood. She’s won her age group at the 70.3 North American Championships twice, even after spinal surgery—showcasing her resilience and mental toughness.

Kirsten talks about balancing intense training with parenting, using creative solutions like stroller runs and nap-time workouts. She also shares her coaching approach, helping busy clients make steady progress.

(01:40) How Kirsten got started in triathlon 25 years ago

(03:43) How Kirsten defines success and balance in life

(08:30) Debunking the myth that expensive gear is key to performance

(13:40) Mental strategies help Kirsten tackle challenging courses

(23:16) Triathlon fosters personal growth beyond physical fitness

(26:40) Kirsten’s turning point was when she committed fully to qualifying for Kona

• Progressive Evolution Coaching – Kirsten’s coaching business that helps athletes with busy schedules and ADHD achieve their goals
• Westminster Waves Swim Team – Kirsten’s summer swim team for kids

• https://WallerFC.com 
• Waller Financial Coaching on Facebook
• Justin on Instagram
• Justin on LinkedIn

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What does the home-buying process look like? How do you navigate interest rates? What type of loan best suits your needs? These are just a few of the questions David Gulbransen is uniquely qualified to answer. 

David is a loan officer in Northern California whose focus is providing the best communication, service, product knowledge, and transparency to his clients and partners. His hands-on approach quickly forms a comfortable relationship and leads to a stress-free lending process. 

In this conversation, David tackles common questions that new homebuyers ask in a way that everyone can understand. 

• Learn more about David Gulbransen [0:19] 
• How is real estate lending different now? [1:46] 
• What the process looks like for homebuyers [3:00]
• Interest rates and their impact on homebuyers [8:58]
• Tips to get your finances in better shape for a home purchase [16:21]
• Why is refinancing gaining popularity? [21:50] 
• Who is the right fit to work with David? [23:21] 
• How to use gifted money for a down payment [26:02] 
• David’s biggest accomplishment [27:19]
• David’s experience with construction loans [29:00] 
• How much house can I afford? [32:53] 

• AnnualCreditReport.com

• David Gulbransen: Loan Officer | NMLS 1865199 | Access Real Estate Lending
• [email protected]

• https://WallerFC.com 
• Waller Financial Coaching on Facebook
• Justin on Instagram
• Justin on LinkedIn

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