Are you tired of living paycheck to paycheck, drowning in debt, and yearning for a brighter financial future? In this episode we bring you an inspiring conversation with the "Money Man" – Bruce Zmolek, President of Firefighters Credit Union in La Crosse. Join us as we uncover his incredible story of personal financial transformation and discover the strategies he employs to help others break free from the chains of debt.

Bruce Zmolek is not your typical credit union president. He believes in empowering people to take control of their finances, become debt-free, and build dignified retirement accounts. With a firm commitment to putting people's needs first, Bruce's mission is to help individuals achieve financial success, irrespective of their income level. His business is built on trust, so instead of pushing loans onto customers, his focus is on counseling them to make sound financial decisions.

In this episode:

- We discuss Bruce's own journey from financial insecurity to becoming a respected figure in the world of personal finance.

- How he earned the name "Money Man" and why it's become a symbol of trust and financial wisdom in his community.

- Strategies to get out from under big debt

- How individuals can set themselves up for financial success!

- The importance of prioritizing people over products

As the conversation progresses, we unravel key principles for achieving financial success. Bruce emphasizes the importance of having a well-defined plan, responsible financial behavior, and consistency over time.

Join us as we learn from the "Money Man" himself and discover how you can embark on your journey towards financial freedom and a life unburdened by debt. If you've ever dreamed of a better financial future, this episode is a must-listen!

Everybody can dance! It's true! Maybe not everyone can turn it into a business, but everyone can dance and if you don't believe just ask our guest for this episode, Michelle Malone.

In this episode of the Pay It Forward Podcast we talk with Michelle Malone, a remarkable entrepreneur who transformed her love for dance into a thriving adult dance studio called I&E Dance and a successful marketing business known as Collective Marketing. Join us as we delve into Michelle's journey, from her childhood dreams of entrepreneurship to the fearless pursuit of her passions.

In this episode:

- Why dance?

- Overcoming fears that hold so many aspiring entrepreneurs back

- Insights on finding your true passion

- How to monetize your passion

- Marketing insights

Dance is a unique pursuit. Dance is a powerful outlet that helps foster a sense of community. Michelle's journey exemplifies the transformative potential of following your heart and creating a business around your passions. Join us for an engaging conversation filled with laughter, life lessons, and the incredible journey of turning a passion into a profitable venture.

Links:

https://www.iandedancecompany.com/company

Joe Delagrave is the head coach of the USA wheelchair rugby team, a two-time Paralympic medalist, and keynote speaker that speaks across the country. In this episode he joins us to talk about his remarkable journey: a journey of resilience, faith, and unwavering determination.

Spenser is back baby! This time to talk about REAL ESTATE INVESTING!

Spenser is an investor who owns an impressive portfolio of over 300 properties spanning across the country including long-term rentals, Airbnb's, flips, Sub-to, and more. The most impressive part is he did so all in 6 years!

Everyone should own REAL ESTATE! If you're an aspiring real estate investor looking for a roadmap to success, this episode is your golden ticket. In this episode we look at:

- Spenser's story of real estate investing

- How to analyze a deal

- Where & how to find those game-changing deals

- Creative finance options & much more

What sets this episode apart is Spenser's expertise in creative finance deals—those low to no money down strategies, hard-money lenders, and the elusive sub-to deals. Get ready to be schooled in the art of making money in real estate without breaking the bank.

With Spenser's candid stories of triumphs and trials in real estate, you'll gain a profound understanding of risk management. Discover the crucial steps of how to get started as a new investor. We also dive into estimating rehab costs, the importance of finding contractors, and should you hire a property manager? Join us and chart your course to financial freedom through property investment with Spenser Nickelatti as your guide.

Tune in now and learn about perhaps the greatest investment strategy there is: Real Estate!

If you want to learn more about investing or have questions PLEASE drop us a comment, message us and reach out. We would love to help!

We sit down with Spenser Nickelatti, a self-made real estate agent who went from food stamps, subsidized housing, and being dirt broke to financial freedom in just 6 years! Today he has over 300 units of real estate and averages over $30 million in real estate sales every year in a small market. His story is a testament to resilience, grace, determination, and the power of redemption.

Hear Spenser's journey from learning hard work on a farm to leading a door-to-door sales team. Also learn about how he discovered college wasn't for him and how it took nearly 45 jobs to finally find his passion. Spenser's diverse background provided invaluable lessons that ultimately has lead to the success he has found in both selling and buying real estate.

But the heart of this episode lies in the revelation of Spenser's darkest chapter—a period of addiction to pornography that nearly destroyed his life. It led him down a treacherous path of shame and isolation that culminated in a stint in jail. However, Spenser's tale takes a remarkable turn as he shares how his faith and how Jesus ultimately helped him break free from the chains of addiction and shame. It is the power and grace of God that re-writes any story.

Throughout this enlightening episode, Spenser imparts valuable insights on taking ownership of one's life and choices, the importance of taking massive action, seeking support from others, and ultimately, believing in yourself. Just like the the name he teaches his life motto which is "dream big, no excuses, winners find a way." Determination can go a long way!

Join us in this inspiring conversation as Spenser Nickelatti reveals the secrets to his success, proving that redemption, financial freedom, and personal growth are attainable for anyone willing to embrace change and overcome adversity!

In this insightful episode, we sit down with Hannah Pintar, the owner of Natty West, a charming local shop in Onalaska that celebrates local goods and home decor.

Hannah, along with her mom, has turned a passion for creativity and entrepreneurship into a thriving brick-and-mortar storefront. But that's not all – Hannah has recently ventured into the world of interior design with her subsidiary business, Rosemary Abode.

Hannah's journey from a Master's Degree in Homeland Security, to crafting candles in college to becoming a successful businesswoman is a testament to the ever-changing nature of life goals and shows that one's path can take unexpected turns.

We discuss into how consignment has played a pivotal role in running her shop efficiently with minimal overhead costs and how this experience paved the way for her second venture in interior design. Hannah also opens up about the challenges of balancing her entrepreneurial endeavors with being a full-time mother to two little ones.

The conversation continues with the intersection of faith and business. How waiting on God and looking to His leadership is the best path. Hannah also tells about discovering your passion and the art of monetizing it. Hannah's story is a compelling example of how determination and creativity can lead to a fulfilling and successful entrepreneurial journey. Finding your passion and what you love make you enjoy the work you do!

Don't miss this episode filled with valuable insights, practical tips, and heartwarming anecdotes from a driven entrepreneur who truly embodies the spirit of pursuing your dreams. Join us on this podcast journey with Hannah Pintar, where we learn that life's twists and turns can lead to unexpected and fulfilling destinations.

Learn the secrets to success in this captivating episode as we sit down with Jon Holthaus, the co-founder and director of Country Boom, an incredible country music festival that has captured the hearts of thousands, and the founder of Holthaus Financial Group, a trailblazing financial planning firm, Jon Holthaus has a wealth of wisdom to share.

Join us for an inspiring episode where we dive deep into the incredible journey of Dave Skogen, the visionary behind Festival Foods. Dave's story is one of humble beginnings, dynamic growth, and a steadfast commitment to servant leadership.

In this episode, we had the privilege to sit down with Dave Skogen to uncover the secrets behind his incredible success in turning a couple of small grocery stores into a thriving chain of 40 Festival Foods locations. Learn how Dave came up with the "Boomerang Theory" (or did he) of customers being the center of his business that propelled his business to new heights, focusing on always bringing customers back through exceptional service and unwavering dedication.

Discover the core values and principles that Dave instilled in every store, fostering a consistent culture across all 40 locations. We explore how he managed to create not just 40 stores, but rather "1 store, 40 times" – a testament to his commitment to delivering the Festival Foods experience with each and every customer interaction.

Stick around to the end as Dave opens up about what he wants his legacy to ultimately be and his shift towards giving back and generosity. We dive into his passion for mentoring and how he's channeling his expertise to inspire the next generation of leaders. Explore how Dave's dedication to charity work is shaping a legacy that extends far beyond the grocery aisle.

Key Takeaways:

- The power of the "boomerang theory" in business growth: Keeping customers at the center.

-Cultivating a consistent culture across multiple locations: One store, 40 times.

-Humility and servant leadership as cornerstones of effective management.

-Nurturing a legacy of generosity and giving back through mentoring and charity.

SUBSCRIBE now and join us in celebrating the journey from humble grocer to generous giver with Dave Skogen on The Pay It Forward Podcast!

Step into the captivating world of cybersecurity as we bring you a fun and entertaining conversation with Rod Holum, the CEO and President of Coulee Tech Inc.

In this gripping episode, we unravel the intricate web of cybersecurity, exploring its vital role in today's digital landscape and plenty more. Stick around to the end to hear his incredible story from a rough childhood to giving his life to Jesus and how that transformed him into the successful leader he is today.

We dive deep into the mind of a cybersecurity expert, understanding the critical need for safeguarding sensitive information in an increasingly interconnected world. Rod answers all of the questions from who needs cyber-security, the importance of protecting our information, and how A.I. is helping cyber criminals. He even tells stories of some of the crazy schemes that hackers use to steal our data.

The conversation doesn't stop there. Discover the parallels between leadership in the tech world and life itself, as Rod shares his invaluable insights on growth, mentorship, and the power of transformation. From a tumultuous past to where he is today. Learn about Rod's personal journey that led him from adversity to triumph, from poor decisions to a life devoted to faith, family, and leadership.

Tune in to this compelling episode as we embark on a journey through the realms of cybersecurity, personal growth, and resilience. There are plenty of funny stories and plenty of wisdom for everyone to learn from. Whether you're a tech enthusiast, a leader seeking inspiration, or someone on a path of personal transformation, this episode promises to leave you informed, inspired, and ready to conquer both the digital and personal challenges that lie ahead.

Join us for this journey into business, leadership, and cyber-security!

We sit down with the remarkable entrepreneur, Matt Boshcka. Matt is a multifaceted entrepreneur who turns his passions into businesses.

He owns and operates several very different businesses including renowned restaurants like Dublin Square, David Reay's, and others, to curating dream vacations through his travel agency, and advancing the cannabis business! Matt's entrepreneurial journey has been nothing short of inspiring.

In this episode, we delve into Matt's passion for traveling the world and his unyielding love for exploration. Discover how his experiences across the globe with different cultures have shaped his perspective on business and life.But that's not all – Matt's advocacy for cannabis reform takes center stage. As the owner of Cannabiz Depot and the visionary behind THC-infused drinks like Sensi, Matt is at the forefront of the cannabis market. Hear his passionate call for change, especially in the cannabis landscape of Wisconsin. The heart of our conversation revolves around a powerful theme: failure. Matt opens up about the setbacks he's encountered throughout his career, highlighting how each failure was a stepping stone towards his ultimate success. Whether it's in entrepreneurship, travel, or advocating for cannabis reform, Matt's story is a testament to the resilience needed to transform failure into opportunity.

Tune in to gain insights, inspiration, and an in-depth look into the mind of a true entrepreneur and change-maker. Your journey to success starts here!