✔️Summary:

In this episode, we discussed the fascinating journey of Jay, a financial expert, as he shares his personal and professional experiences. From starting with a million dollars at 21 to losing it all at 25, Jay's story is filled with valuable lessons. He discusses the importance of financial literacy and the challenges faced by those living a child-free lifestyle.

Jay's passion for helping others gain financial literacy led him to create a unique business model. He emphasizes the significance of coaching and education in managing personal finances. As Dave Ramsey famously stated - personal finance is 80% behavior and only 20% head knowledge. Jay believes that the best way to teach personal finances is through personalized coaching.

In this interview, Jay also sheds light on the challenges faced by child-free individuals in healthcare and government systems and his efforts to find solutions. He is the author of the book Portraits of Childfree Wealth.

⭐️About Jay Zigmont, Ph.D., CFP®:

Dr. Jay, and his wife are Childfree and live in Water Valley, MS. He has a Ph.D. in Adult Learning from the University of Connecticut and is a CERTIFIED FINANCIAL PLANNER and Childfree Wealth Specialist. He is the founder of Live, Learn, Plan, and Childfree Wealth, a life and financial planning firm specializing in helping Childfree Individuals. He has been featured in Fortune, Forbes, Business Insider, Woman's World, Investors Business Daily, FinancialPlanning, and many other publications.

💜 Where to find Jay:

► Website: https://childfreewealth.com

► LinkedIn: https://www.linkedin.com/in/jayzigmont/

► Instagram: https://www.instagram.com/childfreewealth/?hl=en

► Facebook: https://www.facebook.com/jayzigmont/

✔️Summary:

In this episode, I interviewed Liz Rossof, an RE/MAX realtor based in Denver, Colorado. Liz shares her transition from an art and technology background to becoming a real estate agent in Denver. She talks about Denver's changing real estate market, challenges faced by homebuyers, and strategies to navigate it, including understanding zoning and creating clean offers. Some other wonderful topics covered in the interview includes:

- Liz explains “house hacking”, which means turning your property, especially your primary residence, into a monetizing opportunity. House hacking can range from renting out a room in your home to buying duplexes, triplexes, or buildings to become a landlord and offset your mortgage.

- She discusses the impact of awards like the Watson Fellowship and Jacob Javits Fellowship on her work ethic and client approach.

- Liz emphasizes the importance of providing excellent service and leveraging word-of-mouth referrals.

- Liz shares her story of creative marketing by engaging with the community who share a passion for pets.

- Liz envisions continued growth in the real estate business, potentially expanding her team and offering educational programs.

- A book recommendation: "The Go-Giver" by Bob Burg and John David Mann, emphasizing the value of giving to receive.

- You can find more about Liz on her website denvernook.com, which includes a blog called "Notes from the Nook" with tips on Denver and real estate.

⭐️About Liz:

Liz loves pop-culture, what's new, and what’s trending in food, fashion, business, and technology. However, when it comes to real estate, what excites her the most is the highest quality in design and aesthetically timeless properties. When selling a home, she brings a lifetime of love for real estate, complemented by 28 years of experience in marketing, design, and technology. This combined background provides her with a unique edge, allowing her to think out-of-the-box and utilize the necessary tools to ensure homes stand out in the market and attract the desired offers.

Liz holds the title of Accredited Buyers Representative®, and her greatest personal reward as a Realtor® is turning renters into homeowners. Having lived on both coasts of the US and abroad, she takes pride in being a Denverite now, where she appreciates the abundant offerings of the city. Liz is always ready to assist newcomers in discovering Denver's charms; she encourages them to call her for guidance. Fluent in Spanish, she dedicates her free time to swimming at Carla Madison and volunteering with rescue dogs when she is not working.

💜 Where to find Liz:

► Website: https://www.denvernook.com/

► LinkedIn: https://www.linkedin.com/in/lizrossof/

► Instagram: https://www.instagram.com/lizrossof/?hl=en

► Facebook: https://www.facebook.com/DenverLiz/

✔️Summary:

In this episode, I interviewed Jason Brown, who runs an education company teaching people how to trade and manage finances. Jason shares his personal journey, starting with trading $10,000 from a student loan, and eventually building a six-figure trading company at a young age. He talks about his humble background and early exposure to financial disparities.

Jason learned trading through self-teaching, observing stock market patterns, and gradually refining his skills. He emphasizes that trading is about taking advantage of momentum and price actions, not attempting to time the market perfectly. He uses options to hedge against potential losses and talks about using knowledge of market patterns to make well-informed trades.

His YouTube channel and podcast were born out of a desire to educate others and help them navigate the stock market. He focuses on simplifying trading concepts and addressing the mindset challenges that often hinder people from succeeding in the market. Jason encourages people to believe in themselves and dispels the misconception that they are not good with money.

For beginners, he advises giving themselves more credit and not being intimidated by the stock market. He stresses that the stock market offers opportunities for everyone, regardless of their financial background or expertise. He also highlights the importance of education and learning from experienced traders.

⭐️About Jason:

Jason is a finance graduate from Wayne State University with over a decade of experience in stocks and options trading. At the young age of 23, Jason started trading with a $10,000 student loan and grew it into a six-figure trading account. His passion for teaching others about stock market investing led him to create his own online education company “Power Trades University” which has helped thousands of students worldwide to start investing.

Jason is an active YouTuber with over 80,000 subscribers and his videos have reached over 1 million views. He is also the host of the “Money, Markets and Mindset Podcast”. Jason believes that anyone can profit from the stock market if they know what to look for, and how to spot low-risk but high-reward times to buy and sell combined with the right option strategies to supercharge returns and minimize risk.

💜 Where to find Jason:

► Website: https://thebrownreport.com/

► LinkedIn: https://www.linkedin.com/in/jasonbrown1124/

► Instagram: https://www.instagram.com/brownreport/

► YouTube: https://www.youtube.com/thebrownreport

✔️Summary: 

In this interview, Mariusz Skonieczny discusses the concept of microcap investing, which focuses on small companies with market caps below $100 million. Mariusz explains that large institutional investors tend to overlook these companies due to their smaller size and prefer to invest in well-known, large-cap companies like Microsoft or Tesla. However, individual investors can find opportunities in the microcap space because of the higher probability of mispricing and the lack of interest from big financial institutions.

Mariusz emphasizes the importance of conducting thorough due diligence when investing in microcap companies. He suggests looking beyond the publicly available information and directly engaging with company management, former employees, and other investors to gain a comprehensive understanding of the business. He also highlights the importance of having a long-term perspective when investing in microcap companies and staying patient as these investments may take years to materialize.

The conversation also touches on the idea of value investing and the need to remain open-minded about investment opportunities. Mariusz shares an example of investing in a cannabis company despite initial reservations, based on a unique opportunity that presented itself.

⭐️About Mariusz:

Mariusz has been focusing on investing in microcap and small cap companies since 2008/2009. He believes that these companies offer great opportunities for outsized returns because there is barely any competition in this space. The investment industry ignores microcap and small cap companies, which means that there is less competition for these investments. Over that time period, Mariusz has generated a 400X return on his investments. This was not easy and there was definitely some volatility along the way. However, Mariusz believes that the potential rewards are worth the risks. If you are looking for investments that others are not willing to take, then microcap and small cap companies may be a good option for you. Mariusz also offers a private membership website called MicroCap Explosions, where he shares his portfolio picks with write-ups, CEO interviews, and continuous updates. However, if you are a traditional investor who prefers to invest in companies that everyone else is talking about, then MicroCap Explosions is not for you. Mariusz believes that if you hear about an investment on TV, then it is probably too late to invest in it.

💜 Where to find Mariusz:

► Website: https://microcapexplosions.com/

► YouTube: https://www.youtube.com/@SkoniecznyMariusz

► X (fka Twitter): Mariusz Skonieczny (@ClassicValueInv)

►LinkedIn: linkedin.com/in/mariuszskonieczny

✔️Summary:

In this interview, I spoke with Rocky Lalvani, a business consultant and Profit First Professional, about his unique approach to helping entrepreneurs and small business owners grow their businesses profitably. Rocky emphasized that while traditional accounting and bookkeeping services focus on managing transactions and preparing taxes, his main priority is to drive profitability for his clients.

Through his hands-on experience and access to profit specialists worldwide, Rocky shared that he has the necessary strategies to make businesses more profitable than ever before. With a focus on the bottom line, Rocky's approach offers a refreshing perspective to entrepreneurs looking to achieve financial success in their ventures.

Rocky also provided valuable insights on personal finance topics including:

- Compound interest: The idea that the interest you earn on your money can also earn interest, which can lead to significant growth over time.

- The importance of starting to invest early: The earlier you start investing, the more time your money has to grow, which makes a huge difference in the long run.

- Changing the mindset about investing being complicated: Investing doesn't have to be complicated. There are many simple and low-cost investment options available.

⭐️About Rocky:

Rocky Lalvani is a Profit First Professional, Fractional CPO (Chief Profitability Officer), and Founder at Profit Comes First, which helps entrepreneurs and small businesses achieve financial success. His services extend beyond traditional accounting and bookkeeping to include business strategy consulting, aiming at transforming small businesses from pure passions into strategic, profitable enterprises.

He is the host of the "Profit Answer Man" podcast and a Group Facilitator for the "Iron Sharpens Iron Mastermind." Rocky is also a real estate investor and held sales positions at prominent pharmaceutical companies. He is dedicated to driving profitability, sharing valuable knowledge, and empowering individuals.

👉🏼 Where to find Rocky:

► Website: https://profitcomesfirst.com/

► LinkedIn: https://www.linkedin.com/in/rocky-lalvani/

► “Profit Answer Man” Podcast: https://podcasts.apple.com/us/podcast/profit-answer-man-implementing-the-profit-first-system/id1508245322

✔️Summary:

In this episode, Colleen Gillam-Judd, a Canada based Certified Financial Planner, discusses interesting topics in financial planning, as well as her personal journey in this industry.

► Colleen started her career as a financial advisor in 2008, right before the financial crisis, which gave her valuable experience in managing money during difficult times.

► She realized that focusing on clients' goals and creating a financial plan was more important than just seeking high rates of return.

► Colleen emphasizes the importance of financial planning and understanding what clients want their money to do for them, whether it's for retirement or other goals.

► During market downturns, she educates her clients about the normalcy of market corrections and emphasizes the long-term perspective to help them weather the ups and downs.

► Colleen recommends dollar-cost averaging as a strategy, automating regular contributions to investment accounts to take advantage of market fluctuations over time.

► She acknowledges the advancements in technology, which have increased access to market information and commentary but highlights the importance of focusing on clients' specific goals rather than stock picking, which should be the focus of a portfolio manager as opposed to a financial planner like herself.

► Regarding alternative investments like cryptocurrency, Colleen believes in understanding the risks and ensuring clients are fully aware before recommending such investments. She emphasizes the importance of comprehending how an investment will generate returns before providing advice.

Overall, Colleen's approach centers on understanding clients' goals, creating financial plans, educating clients about market fluctuations, and focusing on long-term strategies for wealth management. She values continuous learning and collaboration with colleagues while prioritizing clients' best interests. She loves being part of the celebrations of key milestones associated with clients’ financial journey, but also recognizes estate planning is important and inevitable.

⭐️About Colleen:

For over 15 years, Colleen has dedicated her career to being available for those who want more, money, freedom, protection, advice, guidance, and peace of mind; all achieved by her unique ability to lessen the noise.

Openly, Colleen brings her four fundamental values to every client

1. Holds the financial industry to a higher standard
2. Breaks down the complicated by incorporating their personal situation
3. Clearly presents their options for investing, protecting, and health
4. Lastly, helps money not be on the "fight" list at home

Experience has taught her that the two most successful pillars of success in financial freedom are making money and keeping it.

Colleen wants you to have the confidence to make decisions so that you run your money - it doesn't run you.

💜 Where to find Colleen:

► LinkedIn: https://www.linkedin.com/in/colleen-gillam-judd-cfp/

► Website: https://juddwealth.ca/

► Reach out to Colleen: https://pfc.juddwealth.ca/

✔️Summary:

In this interview, 23 year old Karl Swanepoel, the Founder and CEO of Revolancer, discussed the vision and success of his tech startup. Revolancer is a rapidly growing freelance marketplace, boasting a user base of over 20,000 individuals. ⚡

The core mission of Revolancer revolves around empowering freelancers, businesses, and independent professionals, offering them freedom in their work lives. The offering that sets Revolancer apart is that users are not burdened by the high commission fees that traditional freelance platforms often impose. ☝

By using a subscription model, Revolancer aims to provide an attractive alternative for freelancers and businesses seeking cost-effective solutions. Karl emphasized that Revolancer seeks to foster a collaborative environment where freelancers can connect with clients directly via video chat, for example, enabling them to more effectively exchange services and keep a more substantial portion of their earnings. Great news is that Revolancer is going to make the product completely free in the near future in order to substantially grow the user base. 📈

Karl and I also had an interesting discussion on artificial intelligence (AI), which is part of his educational background. Contrary to what many people believe, while Chat GPT may seem impressive, it is actually quite limited in its ability to operate independently from humans. Chat GPT is not sentient and does not think like a human at all. Period. Automation, not necessarily AI related, has indeed taken jobs away in the past decades already. However, these are mundane tasks that do not require any advanced skills, like automated cash registers. Similarly, AI can expect to free us from lower level tasks and focus on what is truly meaningful. 🏆

⭐️ Where to find more about Karl:

► Revolancer website: https://revolancer.com/

► Karl’s website: https://karlswanepoel.com/

► Karl’s LinkedIn: https://www.linkedin.com/in/karlswa/

✔️Summary:

I had the pleasure of interviewing Lindsey Bomgren, the passionate founder of Nourish Love Move, and a fitness trainer specializing in pre- and postnatal workouts for moms who want to stay healthy and active throughout their pregnancy and beyond. During the entire course of the interview, I was simply amazed at her dedication to fitness content creation and her role as a fitness trainer, bringing workouts directly to people's homes through various platforms.

During our interview, Lindsey shared her journey of building Nourish Move Love and her unique approach to supporting moms on their fitness journeys.

She also shared many interesting and helpful tips on how to build a business like hers:

► Run it like a business from Day 1

► Strategically plan your content with search engine optimization (SEO) tools

► Constantly adapt and learn

► Join groups of like-minded people

► Pay it forward by sharing knowledge with other aspiring women entrepreneurs

And so much more!

⭐️About Lindsey:

Lindsey's focus on pre- and postnatal fitness is evident in her work, and is indeed one of the key elements that sets her apart from competitors. She emphasizes the importance of catering to the unique needs of moms during these stages of their lives. Her workouts aim to help moms stay strong, maintain their fitness levels, and enjoy a healthy and active lifestyle throughout their pregnancy and beyond. Lindsey's expertise in strength training, high-intensity interval training (HIIT), circuit training, barre, and cardio barre allows her to create diverse and effective workouts that cater specifically to the needs of moms.

The Nourish Love Move blog serves as a hub for moms to access Lindsey's workouts and fitness content. Through her blog and YouTube channel, Lindsey provides a variety of workout routines and fitness resources, enabling moms to exercise conveniently at home. Her workouts are designed to be time-efficient, allowing busy moms to fit them into their daily routines. Lindsey's approach is both engaging and empowering, motivating moms to prioritize their fitness and well-being.

💜 Where to find Lindsey and Nourish Move Love:

► Blog: https://www.nourishmovelove.com/

► YouTube: https://www.youtube.com/@nourishmovelove

► Instagram: https://www.instagram.com/nourishmovelove/

► Pinterest: https://www.pinterest.com/nourishmovelove/

✔️Summary:

In this Episode, Elisabeth (aka Liz) Cardiello shares her journey of creating Caffe Unimatic and finding purpose through her grief process of losing her father early. She talks about the challenges she faced in building Caffe Unimatic, finding mentors who saw her for who she was, and incorporating coffee as a conduit for conversation to help young women build confidence. Such experiences led her to create her second company, Brave Conservations. Liz’s second-to-none enthusiasm is the reason for her success in opening up many doors while growing her businesses. Lastly, she humbly admits that while not a master of marketing or anything related, she continues to learn and grow in both Brave Conversations and Caffe Unimatic, using her authenticity and deep purpose as the driver.

⭐️About Liz:

Liz Cardiello is the founder of Caffe Unimatic, a coffee company that offers high-quality, sustainable coffee to consumers. Liz is a social entrepreneur who is committed to promoting gender equality and entrepreneurship. Growing up, Liz was inspired by her father’s entrepreneurial spirit. After losing her father, she found 5000 Unimatic coffee pots, which her father invented, while cleaning up his “inventory closet”. This led her to create Caffe Unimatic as a way to continue her father’s legacy and provide a unique coffee experience to consumers. Liz has continued to spread her passion for coffee and social entrepreneurship, as well as her commitment to sustainability and gender equality. She and her story have been featured on TedX, Netflix, Forbes, NBC, GoDaddy, etc.

💜 Where to find Liz:

► Caffe Unimatic: https://www.caffeunimatic.com/

► Brave Conversations: https://www.braveconversationsovercoffee.com/

► Instagram: https://www.instagram.com/caffeunimatic/

► LinkedIn: https://www.linkedin.com/in/elisabethcardiello/

✔️Summary: In this episode, show guest Adam Carroll shares his valuable advice on paying off debt, building wealth, and building a bigger life that frees you from a W2 job.

⭐️About Adam:

Through the use of The Shred Method, Adam Carroll paid off his home in record time saving over $180,000 in interest in the process. He’s sharing this strategy with the world in order to help people ‘free themselves to be themselves’.

Adam has published four books, produced an award-winning documentary on student loan debt, has a TED talk with over 5 million views, and helps people achieve true financial freedom in their lives. More than financial freedom, Adam is all about helping people achieve time freedom, relationship freedom, and service freedom.

Adam has been a featured speaker on Ted Talk with almost 6 million views, watch it here:

https://www.ted.com/talks/adam_carroll_what_playing_monopoly_with_real_money_taught_me_aboutmy_kids_and_humanity?language=en

☞ Topics include:

The Shred Method - How To Blast Away Debt in Record Time

Using a HELOC as a Cash Flow Technique

Using Infinite Banking to Build Generational Wealth

How To Make Your Income More Efficient