Prioritize

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In this episode, I discuss memoirs of a recent stay in a distant hotel and the many nuances between today’s stay, that of 2019 and before, and even a few family vacations as a kid and their unforgettable Overnighters in a so-called “hotel”.
     The hotel experience has changed over the years.  Back in the day the staff at a hotel provided us with VIP services  - fresh linen, clean beds,  taking out your trash - It made us feel important, valued, like an executive.  I have had many bad experiences at different hotels, but we can't blame the staff entirely. Guests have changed along with the times and so has their lack of gratuity.

Thanks for listening!  I'm glad you're here!
...

A few of the issues I address in this episode - 

• How service people have changed their behaviors and quality of services.
• How motel experiences are not that enjoyable as they were before.
• How people have changed.
• Why showing gratuity is important.
• Becoming a hero in someone's life.

Links to items mentioned in this episode -
Rob Schneider -Actor
Tim Curry- Actor
Home Alone 2
Ratatouille- Movie
Buscemis- restaurant

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This is the last part of the podcast...broken into 4 different parts: Prioritizing the debt free journey.

On this live episode we take a guest from the audience along with some q's about debt -

This was recorded on a live platform called - Wisdom (it is a podcast platform)  and was done so with a sub-par Microphone...kindly excuse the lack of quality sound.  I am trying out different equipment for when I am on the road.

We walk directly into debt while deluding ourselves into thinking it's just this one credit card, it's just an emergency, it will just be this one time, and before we know it...we are in debt up to our eyeballs, scrambling for what little money we have in attempt to make ends meet.  We have to much month left at the end of our money.  This and the next few podcasts to follow are about sharing our debt free journey with you, how we did it, why we did it, and easy steps you can follow beginning today.

Thanks for listening!  I'm glad you're here!
...

A few of the issues I address in this episode - 

• Ramsey Baby Steps 7
• Why buy their stuff for them with your debt...?
• What we were doing when we realized how we screwed up
• How banks build their skyscrapers with your money
• Stop buying everyone else's future
• The most marketed item in the history of advertising
• Points, miles, etc

Links to items mentioned in this episode -
Ramsey Solutions
The Ramsey Show
The Rachel Cruze Show
Anthony O'Neil YouTube

Toby-isms:
"If I always do what I've always done, I will always get what I've always gotten."
"Goals don't accidentally happen on their own."

Baby step Two:
Line up all your consumer debts, paying the minimum amount across the board, and then take the remaining leftover from you paycheck and attack the smallest dollar amount with a vengeance until it is out of your life...repeat as you roll that payment up to the next smallest debt, and the next smallest...creating a debt snowball
How do we do this?

On...
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[email protected]

Listen -
Apple Podcasts,  Spotify,  Stitcher,  iHeart Radio,  Podcast Addict,  Podchaser,  Deezer

Send us Fan Mail

This was recorded on a live platform called - Wisdom (it is a podcast platform)  and was done so with a sub-par Microphone...kindly excuse the lack of quality sound.  I am trying out different equipment for when I am on the road.

We walk directly into debt while deluding ourselves into thinking it's just this one credit card, it's just an emergency, it will just be this one time, and before we know it...we are in debt up to our eyeballs, scrambling for what little money we have in attempt to make ends meet.  We have to much month left at the end of our money.  This and the next few podcasts to follow are about sharing our debt free journey with you, how we did it, why we did it, and easy steps you can follow beginning today.

Thanks for listening!  I'm glad you're here!
...

A few of the issues I address in this episode - 

• Ramsey Baby Steps 7
• Why buy their stuff for them with your debt...?
• What we were doing when we realized how we screwed up
• How banks build their skyscrapers with your money
• Stop buying everyone else's future
• The most marketed item in the history of advertising
• Points, miles, etc

Links to items mentioned in this episode -
Ramsey Solutions
The Ramsey Show
The Rachel Cruze Show
Anthony O'Neil YouTube

Toby-isms:
"If I always do what I've always done, I will always get what I've always gotten."
"Goals don't accidentally happen on their own."

Baby step Two:
Line up all your consumer debts, paying the minimum amount across the board, and then take the remaining leftover from you paycheck and attack the smallest dollar amount with a vengeance until it is out of your life...repeat as you roll that payment up to the next smallest debt, and the next smallest...creating a debt snowball
How do we do this?

On...
Instagram | Twitter | Facebook | Tik-Tok
[email protected]

Listen -
Apple Podcasts,  Spotify,  Stitcher,  iHeart Radio,  Podcast Addict,  Podchaser,  Deezer

Send us Fan Mail

This was recorded on a live platform called - Wisdom (it is a podcast platform)  and was done so with a sub-par Microphone...kindly excuse the lack of quality sound.  I am trying out different equipment for when I am on the road.

We walk directly into debt while deluding ourselves into thinking it's just this one credit card, it's just an emergency, it will just be this one time, and before we know it...we are in debt up to our eyeballs, scrambling for what little money we have in attempt to make ends meet.  We have to much month left at the end of our money.  This and the next few podcasts to follow are about sharing our debt free journey with you, how we did it, why we did it, and easy steps you can follow beginning today.

Thanks for listening!  I'm glad you're here!
...

A few of the issues I address in this episode - 

• Ramsey Baby Steps 2,3, 4-5-6
• credit card debt, personal loans, car payments
• What we were doing when we realized how we screwed up
• How banks build their skyscrapers with your money
• Stop buying everyone else's future
• Cash is King
• What's in your wallet
• The most marketed item in the history of advertising
• Points, miles, etc

Links to items mentioned in this episode -
Ramsey Solutions
The Ramsey Show
The Rachel Cruze Show
Anthony O'Neil YouTube

Toby-isms:
"If I always do what I've always done, I will always get what I've always gotten."
"Goals don't accidentally happen on their own."

Baby step Two:
Line up all your consumer debts, paying the minimum amount across the board, and then take the remaining leftover from you paycheck and attack the smallest dollar amount with a vengeance until it is out of your life...repeat as you roll that payment up to the next smallest debt, and the next smallest...creating a debt snowball
How do we do this?

On...
Instagram | Twitter | Facebook | Tik-Tok
[email protected]

Listen -
Apple Podcasts,  Spotify,  Stitcher,  iHeart Radio,  Podcast Addict,  Podchaser,  Deezer

Send us Fan Mail

The audio on this podcast will be different, as this is recorded on the road.

I forget my luggage at my Fort Wayne office, leaving me with one pair of shoes, and they are the same pair of shoes that I’ve got me to work for the past Three years… This might be the end of the road.

Thanks for listening!  I'm glad you're here!
...

A few of the issues I address in this episode - 

• A room for my shoes
• Forrest Gump
• Where have your shoes taking you?
• Is it time to retire your shoes?
• Whatever happened to customer service in the retail industry?

Toby-isms:


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[email protected]

Listen -
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Send us Fan Mail

This was recorded on a live platform called - Wisdom (it is a podcast platform) 

We walk directly into debt while deluding ourselves into thinking it's just this one credit card, it's just an emergency, it will just be this one time, and before we know it...we are in debt up to our eyeballs, scrambling for what little money we have in attempt to make ends meet.  We have to much month left at the end of our money.  This and the next few podcasts to follow are about sharing our debt free journey with you, how we did it, why we did it, and easy steps you can follow beginning today.

Thanks for listening!  I'm glad you're here!
...

A few of the issues I address in this episode - 

• School loan debt
• credit card debt, personal loans, car payments
• baby step one
• What we were doing when we realized how we screwed up
• How banks build their skyscrapers with your money
• Stop buying everyone else's future
• Cash is King
• What's in your wallet
• The most marketed item in the history of advertising
• Points, miles, etc

Links to items mentioned in this episode -
Ramsey Solutions
The Ramsey Show
The Rachel Cruze Show
Anthony O'Neil YouTube

Toby-isms:
"If I always do what I've always done, I will always get what I've always gotten."
"Goals don't accidentally happen on their own."

Baby step one:
schedule some plastic surgery, cut up the credit cards, commit to never using them again.
Save $1000 in an emergency bank account
How do we do this?

On...
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[email protected]

Listen -
Apple Podcasts,  Spotify,  Stitcher,  iHeart Radio,  Podcast Addict,  Podchaser,  Deezer

Send us Fan Mail

Ever been on a diet?  Aren't they just the best?  Ever get tired of "dieting"?  Is your plan working?  Is it a priority to you?  In this episode I go through a few things I've seen, experienced, and what has worked for me and my body type along with a few stories of diet fail along the way.

Thanks for listening!  I'm glad you're here!
...

A few of the issues I address in this episode - 

• We did a lot of moving around
• diets from old
• Breakfast
• What is it that pushes you to the gym?
• Food is fuel
• Garbage in garbage out
• Goal setting, easy ways to do it

Links to items mentioned in this episode -
Ka'Chava
Simple Intermittent Fasting App
Bill & Ted's Excellent Adventure
Stranger Than Fiction
TaeBo
Jean Claude Van Johnson
The Big Lebowski 

Toby-isms:
"If I always do what I've always done, I will always get what I've always gotten."
"Goals don't accidentally happen on their own."

Paleo Brownie Recipe:
1 cu creamy almond butter
1/2 cu coconut sugar
1/3 cu pure maple syrup
1 tablespoon vanilla extract
dash of mint extract
3 eggs
1/3 cu unsweetened cocoa powder
2 tablespoons coconut flour
1/2 tsp baking soda
pinch of salt
handful of dark chocolate chips (or a bar of chopped/sliced ghirardelli chocolate bar)
handful of sliced almonds
mix-mix-mix
preheat oven to 350 degrees, grease a 13in glass pan/brownie pan
place in the oven for 25-28min, check for done-ness with a knife or toothpick
allow to cool for no less than 60 seconds (many prefer 10-15min)
slice with a knife, and enjoy with an espresso

On...
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[email protected]

Listen -
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Send us Fan Mail

I got hooked on a show which has a really good truth: Friendship isn't just one thing...it's a million little things!  Too true!  I dive into that...in this episode

Thanks for listening!
...

A few of the issues I address in this episode - 

• Deciding to be a Husband, Father, encouraging friend
• A body in motion
• lifelong military brotherhood
• dogs learning camaraderie 
• success in marriage 
• I hated middle school, criticism is a real thing and runs deep
• painful stories of 8th grade

Toby-isms:
"Your potential future is bigger than your past" 
"If the friendship is worth it, the debt will be paid. "
"If your friendship is worth more than the debt, it shall be forgiven."

Paleo Brownie Recipe:
1 cu creamy almond butter
1/2 cu coconut sugar
1/3 cu pure maple syrup
1 tablespoon vanilla extract
dash of mint extract
3 eggs
1/3 cu unsweetened cocoa powder
2 tablespoons coconut flour
1/2 tsp baking soda
pinch of salt
handful of dark chocolate chips (or a bar of chopped/sliced ghirardelli chocolate bar)
handful of sliced almonds
mix-mix-mix
preheat oven to 350 degrees, grease a 13in glass pan/brownie pan
place in the oven for 25-28min, check for done-ness with a knife or toothpick
allow to cool for no less than 60 seconds (many prefer 10-15min)
slice with a knife, and enjoy with an espresso

On...
Instagram | Twitter | Facebook | Tik-Tok
[email protected]

Listen -
Apple Podcasts,  Spotify,  Stitcher,  iHeart Radio,  Podcast Addict,  Podchaser,  Deezer

Send us Fan Mail

Your day is zooming right along, and then out of the blue you receive a call letting you know there's been a death in the family, and your world changes a bit.  I talk a little bit about a recent death in our family, and some of the things surrounding it, and how we were able to deal.

Links from a few of the things talked about in this podcast - 

• 5 Stages of the Grieving Process

A few of the issues I address in this episode - 

• Stages of grieving
• Death in the family
• How to deal, and work through

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Christmas came and went, along with New Year's and now it was time for our Family Retreat...which did not go exactly as i had expected.  I discuss what I learned walking away from this retreat in this podcast, and welcome your thoughts - [email protected]

Thanks for listening!
...

A few of the issues I address in this episode - 

• Cleanliness
• Family Time
• Family values
• Expectations

On...
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Listen -
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