Real Talks on the Rocks

Chapters: 

00:00- Preview 

00:46-Intro 

01:25-What you don’t know about mortgage brokers 

04:48-Expectations people have about financing a home 

09:19-the debts that most people are carrying 

12:27-The 4 basic steps to wealth 

15:30-Buying power examples 

23:01-Do mortgage calculators work? 

25:30-Buyers remorse 

33:40-expenses: renting vs. owning 

37:35-Buying for investment vs. primary residence 

41:28-How much down payment do you REALLY need? 

45:45-When housing inventory will SPIKE in the Bay Area 

51:05-What the average Bay Area family can afford 

54:55-Different home loans and their strategies 

59:12-Is a 15-yr mortgage better? 

1:04:12-What are reverse mortgages 

1:16:38-How will Trump’s policies affect the interest rates? 

1:22:30-ways to cover closing costs 

1:29:11-Which homes appreciate the fastest

On this episode of Real Talks on the Rocks, I sit down with Jessica Kleinschmidt, who is the pre/post game host for the Oakland A's baseball team. In this episode, we discuss the modern career woman and the challenges of dating in todays world. 

You can reach out to Jessica via her Twitter and Instagram at: 

https://instagram.com/jessicakleinschmidt 

https://x.com/kleinschmidtjd 

You can also follow me on:

Facebook: https://facebook.com/realtalksontherocks 

Instagram: https://instagram.com/realtalksontherocks 

Twitter: https://twitter.com/realtalksrocks 

#dating #career #women 

Chapter list:

 00:00-Preview 

00:47-Intro 1:43-Jessica gets interested in sports media 

8:00-The art of interviewing professional athletes 

12:17-How sports media has changed 

15:54-Can a career woman have a balanced life?  

20:06-This is how you “have it all” 

24:29-Your friends don’t understand your demanding career 

26:37-Being a woman in a male-dominated industry 

33:21-Dealing with haters and trolls 

35:45-The amount of work no one sees! 

40:31-Asking the tough questions of pro athletes 

50:27-Why dating is hard when you can’t “shut it off” 

53:09-The simple trick to dating a career woman 

57:53-How millennials make it compared to their parents 

1:03:51-Therapy: yes or no? 1:14:13-let’s talk money… 

1:19:21- Missing out on a family?? 

1:22:05-Dating: I date out of my area! 

1:31:29-Why start a podcast 

1:37:51-Advice for women who want a broadcasting career

On this episode of Real Talks on the Rocks, I sit down with Markos Mosi and Christian Warren. HEar from two entrepreneurs how hoard it is to put the work in without regognition, why it needs to happen for you to win and how women work harder than men in the gym! 

You can reach out to Markos and Christian via their Instagrams at:

 https://instagram.com/feartraining 

https://instagram.com/tmcchr1s 

Thank you to all of my supporters who are supporting me on Patreon and allowing me to grow this channel! Your financial support of this channel allows me to continue to provide you with better and better content. Click the link below to make a contribution to the future of the show: 

https://patreon.com/realtalksontherocks 

You can also follow me on: 

Facebook: https://facebook.com/realtalksontherocks 

Instagram: https://instagram.com/realtalksontherocks 

Twitter: https://twitter.com/realtalksrocks 

#fitness #money #womensfitness 

Chapter list: 

00:00- Preview 

00:35-Intro 

01:37-Who is Markos Mosi 

04:25-Who is Christian Warren 

07:08-WHY Christian decided to go from 295lbs to a healthy weight! 

12:30-Lack of Accountability in men today 

17:40-What motivates Men 

25:07-Hard truths of men in the gym 

37:10-Avoiding mistakes in your 20’s 

40:07-Is the fast lifestyle worth going to jail? 

47:05-If you take out debt, OWN IT! 

53:23-What does the future of work look like in this country 

59:33-Growing your personal training business 

1:05:01-online or in-person: pros and cons 

1:16:53-Credit repair: what is it and WHY you might need it! 

1:25:33-Credit cards for ALL of your expenses??? 

1:32:35-Some people will never understand money

Chapter list: 

00:00-Preview 

00:40-Intro 

01:25-Why start an Acai bowl business 

04:25-Researching a business idea 

08:05-Starting and building a food truck 

15:00-Creating a healthy food people WANT! 

18:54-Building a food menu and WHY the story is important 

23:50-Sourcing the BEST ingredients 

31:20-Starting a business with a Friend: Good or bad? 

42:30-Balancing marriage and business 

46:48-How you run a business and NOT lose time with the kids 

55:10-the LEAST favorite thing about owning a business 

1:00:50-Balancing fitness with a busy schedule 

1:08:42-Starting a second business in Junk Hauling

On this episode of Real Talks on the Rocks, I sit down with Rebecca Jameson, who is a certified financial coach based in Northern California. Rebecca talks about the financial avalanche that most people fall into, but don't want to talk about. From taking on debt, to working extra hours to make up for it, Rebecca walks the audience through how to stop this avalanche and how to get out of it.

You can reach out to Rebecca at her website to arrange a FREE discovery call at: 

https://priorityonefc.com 

You can also reach out to her via Instagram at: 

https://instagram.com/bluelinemoneycoach 

You can email her at: [email protected] 

*Make sure to mention that you discovered her through this podcast! 

Thank you to all of my supporters who are supporting me on Patreon and allowing me to grow this channel! Your financial support of this channel allows me to continue to provide you with better and better content. 

Click the link below to make a contribution to the future of the show: 

https://patreon.com/realtalksontherocks 

You can also follow me on: 

Facebook: https://facebook.com/realtalksontherocks 

Instagram: https://instagram.com/realtalksontherocks 

Twitter: https://twitter.com/realtalksrocks #money #millennials #finances 

Chapter list: 

00:00-Preview 

00:40-Intro 

02:45-Wife of a police officer discovers money is tight 

08:29-The Overtime Trap! 

11:57-What expenses do most people have 

15:38-What makes people ask for money help 

18:58-How Rebecca starts with her clients 

22:07-The old ways of living are DONE! 

27:38-Owning a home is a horrible investment! 

37:00-The student loan debt that people forget about 

46:30-How much $$ in your emergency fund 

58:39-What do we really VALUE 

1:03:18-Why people DON’T want to fix their money problems 

1:08:40-Talking about money BEFORE you have kids(Prenup) 

1:14:17-What do women spend their money on

1:24:40-Should one person pay ALL the bills 

1:28:28-Single people can’t forget about this! 

1:32:24-Nobody wants to admit this!

On this episode of Real Talks on the Rocks, I sit down with former guests Zuberi Issa and Nick Palladino-King. This episode was all about what is keeping men today from being their best. Topics include relationships, creating boundaries, and what obstacles Men from two different generations have had to contend with. 

You can follow Nick on his instagram at: https://instagram.com/nickpalladinoking 

You can also check out his website at: https://tribefitsf.com 

Thank you to all of my supporters who are supporting me on Patreon and allowing me to grow this channel! Your financial support of this channel allows me to continue to provide you with better and better content. 

Click the link below to make a contribution to the future of the show: https://patreon.com/realtalksontherocks 

You can also follow me on: Facebook: https://facebook.com/realtalksontherocks 

Instagram: https://instagram.com/realtalksontherocks 

Twitter: https://twitter.com/realtalksrocks 

#masculinity #realtalk #mentalhealth 

Chapter list: 00:00-preview 00:40-intro 06:00-What’s going on with men’s mentality today 10:56-Men can’t be vulnerable? 20:20-Expectations of men then vs. now 28:57-Men’s mental health 34:50-When men’s jobs leave the country… 44:55-What makes us change… 52:45-When men stopped being fathers 58:06-Whites and Blacks have the same challenges in life 1:05:10-long term relationship advice 1:13:20-Boundaries 1:18:55-When the “nice guy” became normal 1:22:35-How to create your own boundaries 1:36:15-How to WIN in a relationship 1:43:05-Final Thoughts

On this episode of Real Talks on the Rocks, I sit down with Nick Palladino-King. Nick is the owner of TRIBE, which is a fitness and yoga studio based in San Francisco. Nick discusses his journey from making 6-figures selling water, to becoming a mens mental wellness coach and personal trainer. Nick gives great insight into what men are lacking in todays world as well as what most personal trainers and gym owners are struggling with. 

To help motivate you to beginning your fitness and mental health journey, Nick is offering the month of December FREE at his gym! 

You can reach out to Nick on his instagram at: 

https://instagram.com/nickpalladinoking you can also check out his website at: 

https://tribefitsf.com 

Thank you to all of my supporters who are supporting me on Patreon and allowing me to grow this channel! Your financial support of this channel allows me to continue to provide you with better and better content. 

Click the link below to make a contribution to the future of the show: 

https://patreon.com/realtalksontherocks 

You can also follow me on: Facebook: https://facebook.com/realtalksontherocks 

Instagram: https://instagram.com/realtalksontherocks 

Twitter: https://twitter.com/realtalksrocks 

#masculinity #realtalk #fitness 

Chapter List: 

00:00-Preview 

00:35-Intro 

02:15-Getting robbed and changing his life 

10:00-Why men chase the “cool toys” 

11:55-Men lacking a “purpose” 

16:05-Why men need to adapt to todays world 

25:25-Men can’t compromise who they are! 

33:12-When your testosterone is off… 

37:29-How most men avoid depression 

40:25-DO NOT be a people pleaser! 

42:06-What life you are “supposed” to live 

49:22-Why you should NOT chase happiness 

53:40-Why you should NOT agree with me 

58:38- Men and women are SUPPOSED to communicate differently! 

1:06:25- Therapy is DIFFERENT for men vs. women 

1:17:43-lack of male leadership 

1:24:17-BAD living habits most people do! 

1:26:05-Create your own path 

1:29:30-Don’t start a gym without learning this… 

1:38:25-Top 3 tips for gym owners 

1:48:04-Secrets to a successful business 

1:51:15-Make that New Year’s resolution stick! 

1:56:30-Final Thoughts

On this episode of Real Talks on the Rocks, I sit down with Tom Wolf, a returning guest who is also a drug recovery advocate. Tom talks about his battle agains the homelessness and drug/fentanyl epidemic in San Francisco and what most ordinary citizens don't realize about what happens on the streets. 

Tom speaks from his own personal experience being homeless and addicted to opiates about how ordinary people can help to make the changes that San Francisco needs!

You can reach out to Tom on his X (twitter) account at:

 https://twitter.com/twolfrecovery 

Thank you to all of my supporters who are supporting me on Patreon and allowing me to grow this channel! Your financial support of this channel allows me to continue to provide you with better and better content. 

Click the link below to make a contribution to the future of the show: 

https://patreon.com/realtalksontherocks 

You can also follow me on: 

Facebook: https://facebook.com/realtalksontherocks 

Instagram: https://instagram.com/realtalksontherocks 

Twitter: https://twitter.com/realtalksrocks 

#homelessness #drugaddiction #fentanyl 

Chapter List: 

00:00-Preview 

00:45-Intro 

03:13-The state of San Francisco’s drug and homelessness 

06:25-WHO are the drug addicts on the street 

08:58-What IS working? 

12:05-Is this ALL San Francisco’s fault? 

18:11-Homelessness and drugs in other states 

23:25-Do treatment programs work?? 

27:05-Supply or Demand: what do we focus on 

33:45-Where are the homeless coming from? 

41:57-How do you help someone close to you that is addicted to drugs 

44:59-The aftermath of Prop 47 in California 

50:19-Mental Health workers: The REALITY 

56:22-The reason WHY people won’t get off the streets 

59:48-Fentanyl changed the game on the streets 

1:03:28-The REALITY of why people don’t use homeless shelters 

1:15:40-Do job programs really work? 

1:21:08-Policing the infamous Tenderloin neighborhood 

1:26:06-Q&A session 

1:26:18-Question:Should I check on or ignore people who are lying on the street? 

1:30:05-Question: Should I give money/food to someone holding up a sign? 

1:32:34-Question: How do I help a friend/family member who is struggling with addiction? 

1:37:11-Question: How can I figure all of this out as a voter? 

1:41:40-Final Thoughts

On this episode of Real Talks on the Rocks, I sit down with Miguel Delgado, a returning guest who is a financial planner. Miguel goes in depth on how millennials can save for retirement, how the stock market and housing market affect you in todays world and what you can do to become financially successful! 

You can reach out to Miguel on his Linkdin account at: https://linkedin.com/in/migueldelgadocfp 

Thank you to all of my supporters who are supporting me on Patreon and allowing me to grow this channel! 

Your financial support of this channel allows me to continue to provide you with better and better content. Click the link below to make a contribution to the future of the show: 

https://patreon.com/realtalksontherocks 

For all of the links to the other avenues to view/listen to my show, you can visit my website at: 

https://realtalksontherocks.com 

There you will find links to Apple Podcasts, Spotify as well as my Patreon page. 

You can also follow me on: 

Facebook: https://facebook.com/realtalksontherocks 

Instagram: https://instagram.com/realtalksontherocks 

Twitter: https://twitter.com/realtalksrocks 

#money #finances #retirement 

Chapter list: 

00:00-Preview 

00:35-Intro 

01:45-How you can grow your wealth today! 

03:25-What is a retirement account? 

10:30-Change HOW you look at money 

15:45-The REAL REASONS why people don’t save for the future 

19:55-When is the RIGHT TIME to see a financial planner 

23:20-HOW to find the BEST financial planner 

37:50-These financial tips don’t work anymore! 

45:10-The embarrassment that many of us have with money 

50:48-Renting vs. Buying-The FINAL answer 

56:50-Demographics might dictate your home equity in the future (see chart at zeihan.com)

1:00:55-When buying a home is BAD! 

1:07:30-Why does the stock market look so bad? 

1:17:18-Q&A from the audience 

1:17:45-Investing vs. Saving 

1:20:55-BEST way to pass money between family members 

1:27:08-The top 3 things financial planners wish everyone knew 

1:31:45-Advice for todays 30-year old 

1:38:25-How much should your emergency fund be? 

1:41:07-Prioritizing saving/investing vs paying debt 

1:46:28-Final Thoughts

On this episode of Real Talks on the Rocks, I sit down with Jovana "JoJo" Mendoza who is a life and career coach for young women. JoJo discusses how she became a life and career coach after obtaining her Master's degree and what challenges many of her female clients face when trying to follow the career path that they went to school for. 

You can reach out to JoJo on her Instagram at: 

https://instagram.com/jojo.mendozza 

Thank you to all of my supporters who are supporting me on Patreon and allowing me to grow this channel! Your financial support of this channel allows me to continue to provide you with better and better content. 

Click the link below to make a contribution to the future of the show: 

https://patreon.com/realtalksontherocks 

For all of the links to the other avenues to view/listen to my show, you can visit my website at: 

https://realtalksontherocks.com 

There you will find links to Apple Podcasts, Spotify as well as my Patreon page. 

You can also follow me on:

 Facebook: https://facebook.com/realtalksontherocks 

Instagram: https://instagram.com/realtalksontherocks 

Twitter: https://twitter.com/realtalksrocks 

#women #career #careerwoman 

Chapter list: 

00:00-Preview 

00:35-Intro 

01:40-Why not just “settle” for a career 

22:30-Raising 4 kids as a single mom 

26:35-You think America is bad?? 

31:00-The challenges of millennial career women 

36:15-Impacting someone else’s kids 

41:00-safety and security 

44:05-Finances 

47:50-Millennials and Debt 

50:05-Job expectations for college grads 

54:05-your job is NOT supposed to fulfill all your needs 

58:15-The “golden handcuffs” of big $$ jobs 

1:04:03-What childhood experiences used to be 

1:08:10-career coach vs a life coach 

1:13:40-When are you “ready”

1:18:25-How to “ace” that job interview! 

1:27:15-WHY we WANT to help others 

1:31:15-Success stories! 

1:35:20-What JoJo offers for potential clients 

1:40:15-Final Thoughts