NoBS Wealth®

Divorce is already brutal. But when the money is handled wrong, it stops being “emotional pain” and turns into “your future just got cut in half.” In today’s 12 Days of Giving episode, Jamie Lima is back—and we walk through a real case where a woman was about to sign a settlement that would have effectively given away $300K–$400K she didn’t need to lose and forced her to sell the home she desperately wanted to keep for her and her special needs daughter. 

Jamie breaks down how this client—Mary—came to him at the tail end of her divorce. Attorney in place. Settlement basically done. Everyone “felt” like it was fair. But the numbers didn’t smell right. Once Jamie dug into the pension valuation, the 401(k), the house, and the way the QDRO was being handled, it became clear: the math was wrong, the tax advice was off, and she was about to pay the price for other people’s blind spots.

We get into the uncomfortable truth: most divorce attorneys are not money people. They’re experts in law, not in pensions, actuarial tables, tax rules, or QDROs. Yet millions of people just nod along and sign whatever’s in front of them—because they’re exhausted, emotional, and just want it to be over. That’s exactly how life-changing mistakes get locked in for the next 20–30 years.

You’ll hear how a simple 30-day “divorce clarity” review turned a $2,000 investment into a $400,000 problem avoided, allowed Mary to keep her house, protect her daughter’s future, and avoid an unnecessary tax hit that her original advice would have triggered. This isn’t theory. This is what it looks like when someone who actually understands the numbers steps into the process.

If you’re going through a divorce—or you know someone who is—this episode is your wake-up call. Get a second opinion. Stop letting emotions and fatigue make permanent financial decisions. And stop pretending your attorney is your financial planner.

👉 Watch the full episode on YouTube: [YOUTUBE LINK]

This is part of our 12 Days of Giving series running from December 12–23, where each day we drop a real conversation designed to protect your money, your mind, and your future—not just entertain you for 30 minutes.

If this hit home, drop a comment. Tell me where you're feeling it most. I read every single one.

New episodes every week on Spotify, Apple Podcasts, and YouTube. Subscribe so you never miss a real conversation.

This one’s for every parent staring at their older teen or college-age kid thinking, “Why aren’t you moving? Why aren’t you launching?” You did the “right” things: good schools, good neighborhood, bank accounts, maybe even a car and a debit card. One kid takes off. The other is stuck on the couch, overdrafting their account and dodging responsibility. And you’re wondering if you screwed this up.

In this 12 Days of Giving episode (running daily from 12/12–12/23), I sit down with financial therapist Ashley Quamme to talk about the emotional gut-punch of raising very different kids in the same house. She walks us through the story of Mike and Michelle – two daughters, same parents, same environment… wildly different motivation and money behavior. One kid is the “easy” high-achiever. The other? “Bless her heart” energy all day. And it’s slowly grinding these parents down with guilt and resentment. 

 👉 Watch the full episode on YouTube: https://youtu.be/8UWFhj5jFzc

We get into a hard truth: you cannot parent every kid the same way and expect the same outcome. Ashley breaks down the difference between equal and equitable – why giving both kids the exact same gas money, expectations, and rope isn’t actually fair if they don’t have the same skills, wiring, or executive function. And we talk about how to stop trying to “copy/paste” your oldest onto your youngest.

Then we move into the practical side: how to help your “Sarah” get a job without just yelling “go apply somewhere” and walking away. Ashley shows how to break “get a job” into micro steps, map them out on a calendar, and do some of it with them without turning them into a permanent dependent. We dig into why teens freeze, how overwhelm looks like laziness, and why your kid might not be avoiding work—they might just be terrified and stuck.

Finally, we flip the mirror back on us as parents. Our generation was told to figure it out alone. Nobody held our hand. We were kicked out of the house and told to come back when the streetlights came on. That story is baked into how we judge our kids. Ashley and I talk about letting them fail on purpose in safe ways, how to stop rescuing every time they forget something, and how to forgive yourself for not hitting some imaginary parenting scoreboard by age 18.

If you’re tired, worried, and quietly ashamed that your teen “isn’t where they should be,” this episode is your permission to stop beating yourself up and start parenting the kid you actually have—not the one in your head.

If this hit home, drop a comment. Tell me where you're feeling it most. I read every single one.

New episodes every week on Spotify, Apple Podcasts, and YouTube. Subscribe so you never miss a real conversation.

Most people don’t give at year-end because they’re saints. They give because of taxes… and then hope the IRS sees it the way they do. In this episode, I bring back estate planning attorney Griffin Bridgers and walk through year-end giving in four parts: Hook & Setup, The BS We’re Fed, No BS Reality, and Do This Next.

In the Hook & Setup, we talk about why year-end giving turns into chaos so easily — last-minute donations, rushed transfers, and families confusing “being generous” with “throwing money at the calendar.” Griffin breaks down the timing problem most people ignore: if you’re wiring money or donating stock on December 30th, you’re not planning, you’re gambling on processing times and paperwork.

In The BS We’re Fed, we call out the myths: “Just give by 12/31 and you’re good,” “cash is king,” and “philanthropy is for the ultra-wealthy.” Griffin walks through how the $19,000 annual exclusion, the massive lifetime exemption, and the idea of foundations vs. donor-advised funds (DAFs) really work — not how social media and marketing spin it.

Then we move into No BS Reality. We talk about starting with what you actually want to leave behind — for your family and for causes you care about — and working backward from there. We dig into why relying only on thick legal documents is a trap if nobody can access your accounts, devices, or logins. This is where Griffin introduces his Death Manual concept and his Inherit Substack, where he’s building out the playbook for organizing your real life, not just your paperwork.

Finally, in Do This Next, we get practical. We lay out simple steps: pick your giving strategy for this year, decide what you’re actually going to give (cash, stock, or something else) with your CPA, start your own Death Manual with one password and one account list, and choose a “giving day” you repeat every year instead of panicking at the deadline.

If you’ve ever said, “I know I need to get my will done” and then ghosted the process for years, this episode is your reset button — not perfect, not theoretical, just real moves to stop leaving a mess behind.

🎥 Watch the full episode on YouTube:
 https://youtu.be/q85Ub9rxVNk

If this hit home, drop a comment. Tell me where you're feeling it most. I read every single one.

New episodes every week on Spotify, Apple Podcasts, and YouTube. Subscribe so you never miss a real conversation.

Thanksgiving hits different when you’re the one holding everything up. The bills, the business, the team, the family. And then people tell you, “Be thankful.”

In this episode of Let’s Get Real, I sit down and talk honestly about gratitude in a messed-up economy — not the Hallmark version. I walk through what I’m genuinely thankful for as a husband, dad, and financial professional, even while prices are high, markets are chaotic, and business owners are tired of wearing all the hats.

This is real talk for women, minority, and LGBTQ business owners on that next step of growth who know they can’t keep doing it all alone.

In this episode:

• Why gratitude feels hard when money is tight and life is heavy
• Holding frustration and thankfulness at the same time
• What I’m thankful for in my family and my clients’ trust
• Finding meaning in your work even when the market is wild
• How chaos doesn’t erase your skills, grit, or progress

Full video of this conversation is available on YouTube:
 https://youtu.be/Wu_N0AKWCX4

If this hit home, drop a comment. Tell me where you're feeling it most. I read every single one.

New episodes every week on Spotify, Apple Podcasts, and YouTube. Subscribe so you never miss a real conversation.

This one’s for anyone walking into Thanksgiving with a pit in their stomach about money. You know the drill: old stories, old roles, and fresh triggers. I brought financial therapist Rachel Duncan back to help us keep it real at the table—and keep our dignity intact.

We break down why holidays wake up your oldest money wiring. Families “snap you back” into your teenage self, and your money beliefs? Most of them got stamped on you by age eight. If you’ve ever felt “14 again” at Mom’s house, you’re not crazy—your nervous system just time-traveled. 

Then we torch the shame cycle. Shame says “I am bad.” Guilt says “I did something I don’t like—and I can change it.” That shift matters because guilt leads to action. We walk through how to swap shame for guilt and actually move forward. 

We also hit boundaries—the real kind. A healthy boundary isn’t a fight; it’s clarity about what you will do. We show you how to feel when a boundary gets crossed, redirect explosive moments without stonewalling, and stop people-pleasing without burning the house down. 

Finally, Rachel gives a practical ritual you can actually use this week: a daily “pleasure practice” to reconnect you to yourself. Do one small thing that makes you feel human. It’ll do more for your money than any spreadsheet ever could. Yes, really. 

Watch the full episode on YouTube: https://youtu.be/lXnvkBWjGas

If this hit home, drop a comment. Tell me where you're feeling it most. I read every single one.

New episodes every week on Spotify, Apple Podcasts, and YouTube. Subscribe so you never miss a real conversation.

Most owners wait to hire a planner until everything is “ready.” That’s how you stay stuck. I asked my communities why more people aren’t working with planners and the answers were clear. Not enough money yet. Bad advisor experiences. Confusion about what planners actually do. I lay out the truth and the path forward.

This is an audio-first breakdown of coach vs planner, what licensed planning includes, and how to move from survival decisions to strategic ones. Especially for women, minority, and LGBTQ owners who are building without a safety net.

In this episode:

• Real reasons folks don’t hire planners
• Coaching for mindset, planning for systems
• Why licensing and accountability matter
• Holistic planning for life and business
• Behavior, relationships, and money
• First steps you can take this week

Full video is on YouTube: https://youtu.be/SKhLCYAtuZs

If this hit home, drop a comment. Tell me where you're feeling it most. I read every single one.

New episodes every week on Spotify, Apple Podcasts, and YouTube. Subscribe so you never miss a real conversation.

If you’ve been punting your estate planning all year, this is your wake-up call. In this episode, I bring in Griffin Bridgers—a recovering attorney who lives in this space—to tear down the myths and get you moving before the holidays eat your calendar. We get real about why estate planning slips to the bottom of the list: nobody wants to think about death, and everybody swears they’ll “get to it later.” Later rarely comes. 

We start with basics that most people still miss: your will’s validity, witness requirements, and why “perfect is the enemy of good.” Get the core documents done, then build the habit of revisiting them as your life changes—because it will. Your family changes. Your relationships change. Your appointees change. Set-and-forget is a fantasy. Review is the job. 

Then we crack open the myths: “The bank has my beneficiary, so I’m covered” (no, that’s not a plan), and “my attorney has the originals, so I don’t need to track anything” (do your people even know how to reach that attorney—or if they’re still practicing?). This is where good intentions die and heirs get stuck. 

Business owners—this one’s for you. Your buy-sell is not a checkbox. It’s a minefield of human behavior, valuation drift, liquidity shortfalls, “I’m done working but still own 50%” scenarios, and spouses who don’t agree with your sweetheart deal. If you don’t define the rules, a judge will. 

Griffin’s core punchline is simple: death is never easy, but you can make it easier. Start with the “who” and the “how.” Review your will, trusts, POAs, and—crucially—the people you’ve named. Educate them on their roles. Create an instruction manual so someone can actually run the playbook when you’re gone. Then get your corporate docs in one place, with minutes and filings current. Organize first. Then review. Then fix. 

Watch the full episode here: https://youtu.be/7ZRs0r_XCVs

If this hit home, drop a comment. Tell me where you're feeling it most. I read every single one.

New episodes every week on Spotify, Apple Podcasts, and YouTube. Subscribe so you never miss a real conversation.

This one hits where it hurts: the living room. We dig into how money actually moves in multi-generational, first-gen Hispanic households during the holidays when everyone has an opinion and nobody wants to say the quiet part out loud. Daniela Molina joins me to cut through the noise with straight talk on culture, pressure, and breaking money taboos. 

We start with reality. Different generations carry different money scripts, and when the saver, the spender, and the “I don’t even know” all live under one roof, small choices turn into family politics. Daniela lays out how to start real conversations without shaming your elders, how to share what you’re learning without posturing, and how to reframe the holidays so love is the priority—not debt. 

Then we torch a few lazy hot takes. “Cut off your family to get ahead” sounds bold online, but it ignores culture and context. “Debt is always bad” is just wrong. We separate clickbait from facts and talk about how to consume media like an adult: verify sources, look for methodology, and stop outsourcing your brain to headlines. 

We also get tactical: setting boundaries when relatives hit you up for cash, protecting your personal life if you work in media or client-facing roles, and expanding your reach with bilingual content—even if you don’t speak Spanish—by partnering, translating key one-pagers, and focusing on genuinely useful advice. 

Holiday season is when budgets blow up and resentment festers. Not this year. Listen in, get your plan tight, and keep your dignity intact. Full video here: https://youtu.be/IU23V53K2fA

If this hit home, drop a comment. Tell me where you're feeling it most. I read every single one.

New episodes every week on Spotify, Apple Podcasts, and YouTube. Subscribe so you never miss a real conversation.

This is your leverage window. Q4 is when companies lock budgets, finalize promotions, set equity, and protect retention risk. Translation: decisions are being made about you—often without you. If you stay quiet, you’re already behind. In this episode, Dr. Renee Baker joins me to dismantle the myths and give you a real plan to negotiate raises, titles, and equity without begging or breaking.

We tear into the fear narrative—layoffs, headlines, “be grateful and wait your turn.” Gratitude without advocacy is servitude. Silence doesn’t pay. You are the CEO of you, and if you don’t speak up, you’ve handed away your leverage. We talk about why it’s cheaper to keep you than replace you, how bonuses and timing create retention pressure, and how to use that math in your favor.

Then we get tactical. Politics often beats performance, so study the breadcrumbs: who gets promoted, how, and why. Don’t bring a task list to a review—bring outcomes. Learn to quantify impact beyond sales, frame results the way your firm rewards them, and ask the right questions in your 1:1s so your leaders carry the right story into the room when you’re not there.

We close with two heavy hitters: titles and “no.” Titles drive pay bands and access—use them. If they say no, convert it into a timeline, criteria, and checkpoints. If that’s not respected, that’s your signal. This is not about ego. It’s about equity, mobility, and your next seat at the table.

Watch the full episode on YouTube: https://youtu.be/sN9-MechYpM

Connect with Dr. Renee Baker:
 LinkedIn: https://www.linkedin.com/in/itsreneebaker/

Facebook: https://www.facebook.com/ItsReneeBaker/

Instagram: https://www.instagram.com/itsreneebaker

Threads: https://www.threads.net/@itsreneebaker

YouTube: https://www.youtube.com/@DrReneeBaker

If this hit home, drop a comment. Tell me where you're feeling it most. I read every single one.

New episodes every week on Spotify, Apple Podcasts, and YouTube. Subscribe so you never miss a real conversation.

Q4 exposes the truth. Some of you are sprinting. Some of you are stuck in chaos. Either way, the calendar isn’t a magic wand—and the holidays won’t save sloppy execution. We go straight at that. Matt Halloran joins me to break down why year-end pressure is mostly a head game and how to turn the next 90 days into an authority sprint that actually converts. 

Authority beats volume. Every time. We talk the path from apprentice → expert → authority → celebrity, and why the crossing point is long-term discipline, staying on message, and giving value away like oxygen. Matt lays out how he used the exact system he teaches to land on top-influence lists in financial services. This isn’t theory—it’s reps and years. 

We dismantle the myths: “post more and you’ll win,” “be on every platform,” “AI replaces strategy,” and “sell hard in every post.” What works now: start with one high-quality recording, repurpose with intent by platform, use AI to sharpen the plan—not do the work—and practice attraction marketing. No cold-call cowboy energy. No Yetis. Build demand with value and consistency. 

Then we get practical. Matt’s “perfect content formula” (storytelling, education, entertainment, call-to-action). The 15-minute daily discipline. The simplest system to start today: finish a client meeting, hit record, share one insight. And the metrics that actually matter: growing the owned audience and driving real actions—calendar, downloads, snapshots—not dopamine. 

You want a filter? Use the brand test: would Nike/Red Bull post this? If not, it doesn’t go live. That’s how you stay clean, consistent, and on-message. Then go take the ProudMouth Influence Snapshot to see exactly where you sit and where the gaps are. We want you out of obscurity. Let’s go. 

Watch the full episode on YouTube: https://youtu.be/ALBvq9GdpqI

If this hit home, drop a comment. Tell me where you're feeling it most. I read every single one.

New episodes every week on Spotify, Apple Podcasts, and YouTube. Subscribe so you never miss a real conversation.