Richer Soul

Celebrating 3 Years of the Richer Soul Podcast with Andy Wang My friend Andrew Wang joins to interview me for the three year anniversary of the Richer Soul Podcast! We discuss my journey so far with Richer Soul, retiring from the corporate world, and the mindsets and tools I've used to create the life of my dreams. Check out my earlier interview with Andy here- http://richersoul.com/ep-0049-inspired-money-andy-wang/ Takeaway: Implement processes to get more efficient, get clarity of vision, and join a mastermind! Action Step: Work on a plan for 2020 with a goal of getting clarity of vision. Bio: Andrew is a managing partner at Runnymede Capital Management. He's been named one of the top 100 Most Social Financial Advisors. He also contributes to the Huffington Post and has been quoted in major investment publications including Barrens and Forbes, He also has a podcast called Inspired Money http://www.runnymede.com/ "I'm on a mission to better myself + those around me." You can hear Andy's show Inspired Money at http://www.runnymede.com/podcasts/ Highlights from this episode: Episode page ⦁ The beginnings of Richer Soul ⦁ Switching from saying "Balance" to "Harmony" ⦁ Ikigai: what you love to do, are good at doing, and fills a market need ⦁ Accepting uncertainty ⦁ Retiring from the corporate world ⦁ Coaching Profit First ⦁ Making investments vs figuring it out for yourself ⦁ Mastermind groups ⦁ Clarity of vision ⦁ Exploring new ways to look at life ⦁ All the work behind "overnight success" ⦁ The future of Richer Soul Richer Soul Life Beyond Money. You got rich, now what? Let's talk about your journey to more a purposeful, intentional, amazing life. Where are you going to go and how are you going to get there? Let's figure that out together. At the core is the financial well being to be able to do what you want, when you want, how you want. It's about personal freedom! Thanks for listening! Show Sponsor: http://profitcomesfirst.com/ Schedule your free no obligation call: https://bookme.name/rockyl/lite/intro-appointment-15-minutes If you like the show please leave a review on iTunes: http://bit.do/richersoul https://www.facebook.com/richersoul http://richersoul.com/ [email protected] Any financial advice is for educational purposes only and you should consult with an expert for your specific needs.

Arlene teaches us the power of philanthropy and how giving provides more benefits than receiving. Take away: Giving brings more fulfillment than receiving. Be intentional with your donations. Action step: Keep track of all your giving in one place. Money Learnings: Arlene's parents taught her different lessons about money. The parents had discussions at the table around money. When her dad sold the company, they became the millionaires next door. Her dad taught her to give and to do so anonymously. Bio: Arlene Cogen is a sought-after speaker, trainer, and coach on leadership and philanthropy. A Certified Financial Planner and expert on philanthropy, Arlene provides a fresh perspective on how to include philanthropy into your life. Her passion is reflected in her inspiring and informative presentations that break giving down into manageable bites and explains how you can make a gift you never imagined. Arlene began her career on Wall Street, spending over 20 years in the trust and investment world. Wanting to lead by example for her daughters, she transitioned into nonprofit development and helped guide the ninth largest community foundation in the country for almost a decade. Arlene is the Amazon #1 Best Selling author of Give to Live: Make a Charitable Gift You Never Imagined. She lives in Portland, Oregon with her husband Mitch and their boxer Mango. Highlights from this episode: Link to episode page

• How giving leads to gratefulness.
• Arlene's work on Wall Street.
• Her switch to philanthropy.
• How she taught her daughters to give.
• Finding her dream job.
• The science of giving and happiness.
• When giving harms.
• Listener question
• The book: Give to Live
• Philanthropic profit pipeline - tools, intention, meaning, and engagement.
• Have family discussions around giving.

arlenecogen.com email [email protected] Twitter: @ArleneCogen

Richer Soul Life Beyond Money. You got rich, now what? Let's talk about your journey to more a purposeful, intentional, amazing life. Where are you going to go and how are you going to get there? Let's figure that out together. At the core is the financial well being to be able to do what you want, when you want, how you want. It's about personal freedom!

Thanks for listening!

Show Sponsor: http://profitcomesfirst.com/

Schedule your free no obligation call: https://bookme.name/rockyl/lite/intro-appointment-15-minutes

If you like the show please leave a review on iTunes: http://bit.do/richersoul

https://www.facebook.com/richersoul

http://richersoul.com/

[email protected]

Any financial advice is for educational purposes only and you should consult with an expert for your specific needs.

Jamie Jay shares how creating culture is the key ingredient in business and life. He shares how he created the culture in his business and his success and failures. Take away: Creating a culture and building systems creates an amazing business. Action step: Go through the delegation roadmap. Money Learnings: Jaimie grew up in Alaska. His parents didn't teach him much about money. Bio: At the core, Jaime Jay is a connector of personalities and brands. He constantly challenges himself to be a better human being. He is also an amateur hockey player and starter geek who truly enjoys helping his clients rediscover themselves, their companies and how to realize their "WHY". - Worked with clients in Canada, the United Kingdom, America, Philippines, other countries in Asia and New Mexico. - Responsible for growing and leading multiple management, sales, and operating teams. - Co-founded and operated publishing company where he helped create, publish, and distribute a regional real estate publication. - Recipient of the Army Achievement Medal for Meritorious Service. - Hosted a Top 100 Business Podcast in iTunes. - Selected to speak on marketing panel and was awarded the "Top Gun Consulting Maverick Award" in recognition of his outstanding marketing performance. Jaime Jay is the founder and managing director of Bottleneck Virtual Assistants. Together, with an amazing team, they offer professional growth opportunities for ambitious leaders by creating an efficient and systematic approach to identify, hire and cultivate team members who focus on specific roles and responsibilities. Highlights from this episode: Link to show page

• Jamie has spent his life learning about money lessons.
• Culture beats strategy?
• Pick your salary?
• Vision, Mission, Core Values (Scott Beebe episode)
• Ego is the enemy, lead with kindness.
• Dealing with failure.
• Move forward when you have 80% of the information.
• Learn to experiment and protect yourself while you do it.
• The gratitude token.
• Listen to understand, not to respond.
• Creating your workflow.
• The why of Bottleneck.
• Profit First Story (profitcomesfirst.com)

LINKS: https://bottleneck.online/ https://bottleneckmedical.com https://culture.bottleneck.online/ https://twitter.com/CultureEats https://www.instagram.com/cultureeatsstrategy/ https://www.instagram.com/heyjaimejay/ https://www.linkedin.com/in/jaimejay/ https://www.facebook.com/heyjaimejay https://www.facebook.com/bottleneckvirtualassistants/ Richer Soul Life Beyond Money. You got rich, now what? Let's talk about your journey to more a purposeful, intentional, amazing life. Where are you going to go and how are you going to get there? Let's figure that out together. At the core is the financial well being to be able to do what you want, when you want, how you want. It's about personal freedom! Thanks for listening! Show Sponsor: http://profitcomesfirst.com/ S chedule your free no obligation call: https://bookme.name/rockyl/lite/intro-appointment-15-minutes If you like the show please leave a review on iTunes: http://bit.do/richersoul https://www.facebook.com/richersoul http://richersoul.com/ [email protected] Any financial advice is for educational purposes only and you should consult with an expert for your specific needs.

Would you like to get out of the rat race and retire early? Big ERN, Karsten shares his journey and how he was able to retire at 44. Take away: If you spend less and save more you can have time freedom at a young age. Action step: Automate your savings. Money Learnings: Karsten grew up in Germany in a lower middle class family. He is part of the F.I.R.E. community and retired at 44. He learned to save at a very high rate. Bio: Karsten "Big Ern" Jeske, Ph.D., CFA retired in 2018 at the age of 44 after a long career in academia, government and Corporate America. He previously taught economics at Emory University in Atlanta and worked at the Federal Reserve Bank of Atlanta and Bank of New York Mellon Asset Management in San Francisco. He uses his new-found time to travel with his wife and daughter and write for his blog Early Retirement Now on all topics related to finance and especially the financial challenges of early retirement. Karsten has an undergraduate degree in Business from the Universität Bielefeld in Germany and a Master's and Doctorate in economics from the University of Minnesota. He also holds the Chartered Financial Analyst (CFA) designation. Highlights from this episode:

• How Big ERN retired at 44.
• How Karsten is teaching his daughter about money.
• The slow travel plan.
• The 4% withdrawal rate and the issues with it.
• The impact of fees on your investments.
• The effects of inflation on retirement.
• Options trading strategies.

Web: https://earlyretirementnow.com/ Safe Withdrawal Rate Series: https://earlyretirementnow.com/safe-withdrawal-rate-series/ Twitter: @ErnRetireNow Richer Soul Life Beyond Money. You got rich, now what? Let's talk about your journey to more a purposeful, intentional, amazing life. Where are you going to go and how are you going to get there? Let's figure that out together. At the core is the financial well being to be able to do what you want, when you want, how you want. It's about personal freedom! Thanks for listening! Show Sponsor: http://profitcomesfirst.com/ Schedule your free no obligation call: https://bookme.name/rockyl/lite/intro-appointment-15-minutes If you like the show please leave a review on iTunes: http://bit.do/richersoul https://www.facebook.com/richersoul http://richersoul.com/ [email protected] Any financial advice is for educational purposes only and you should consult with an expert for your specific needs.

Michelle Bosch shares her life journey, starting from humble beginnings. Michelle and her husband immigrated to the United States and created the life of their dream through real estate. Take away: Be intentional in life. Figure out what you want and then learn how to do it. Surround yourself with people who support you. Action step: Do something! Money Learnings: Michele is an immigrant to the USA. Her dad passed away when she was a child. He left them a commercial building that provided cash flow for them. Poverty is relative. Bio: Michelle Bosch is the Co-Founder and CFO of Orbit Investments and a full-time real estate investor since 2002. She has bought and sold over 4000 pieces of real estate and built the 3rd largest land investment and auction company in the US, bringing that company successfully into the 8-figure revenues in a matter of 18 months. Through the recession, she positioned Orbit Investments for rapid growth in the Single-Family and Multifamily investing space with over $40 million in assets under management. Michelle is also the Co-Creator of the nationally recognized Land Profit Generator Program focusing on teaching others how to invest in Land and has created over 145,000 followers via the Forevercash Podcast/Radio Show, LandProfitGenerator.com, UltimateBoardroom.com, and social media channels. Her businesses have been featured on: INC., FOX, NBC, ABC and Forbes and she holds an MBA -Business Finance- from Thunderbird Global School of International Management, (the World's #1 Graduate school in International Management). Highlights from this episode:

• Learning everything about real estate from scratch.
• Creating Freedom in life.
• The exit strategy from work.
• The numbers behind the deals.
• The immigrant advantage.
• The benefits of land flipping.
• Faith, Family, Flow, and Finances.
• Shifting focus to who.
• Time Freedom is at the core.
• Creating daily rituals.
• Profit First success.
• Reverse engineering your processes.

https://www.michellebosch.com/ LandProfitGenerator.com UltimateBoardroom.com Richer Soul Life Beyond Money. You got rich, now what? Let's talk about your journey to more a purposeful, intentional, amazing life. Where are you going to go and how are you going to get there? Let's figure that out together. At the core is the financial well being to be able to do what you want, when you want, how you want. It's about personal freedom! Thanks for listening! Show Sponsor: http://profitcomesfirst.com/ Schedule your free no obligation call: https://bookme.name/rockyl/lite/intro-appointment-15-minutes If you like the show please leave a review on iTunes: http://bit.do/richersoul https://www.facebook.com/richersoul http://richersoul.com/ [email protected] Any financial advice is for educational purposes only and you should consult with an expert for your specific needs.

Tom and Ariana have intentionally designed their life and business around their desires. They share the blueprint for how you can design your life. Take away: Be intentional and know where you are going. Action step: Take the time to decide what you want your future life to look like. Money Learnings: Ariana didn't learn a lot about money growing up. She had everything she wanted growing up. They are being more active with their kids and money. Bio: Tom & Ariana Sylvester are founders of Lifestyle Builders™, a coaching and training company that helps entrepreneurs build their businesses to create more impact with their customers and more freedom in their lives. As partners in both life and business, they know what it takes to not only succeed as life partners, but also as business partners. After nearly 20 years together, they have refined their systems to allow them to not only succeed in business, but also in life. In Lifestyle Builders, Tom & Ariana break down the roadmap that they use and teach to their thousands of students for how to get clear on what you want out of life and build the right business that will allow you to live that life. Highlights from this episode: episode page Tom's previous podcast episode: http://richersoul.com/ep-0086-creating-the-ultimate-lifestyle-thrive-with-tom-sylvester/

• How Ariana and Tom had money conversations early on in the relationship.
• Tom's goal to retire by 35.
• The life planning process.
• How to take a step today.
• Be intentional with your decisions.
• The book Lifestyle Builders, Build Your Business, Quit Your Job and Live Your Ideal Lifestyle
• Should you start a business?
• Plan with purpose.
• Why Tom won't retire.
• Your Life, Your Business, Your Way.
• The morning routine.
• The principles for success.
• How to make the shift to your own business.
• How to reduce the financial risk.
• The Profit First System.
• How much is enough?
• Know your why!

lifestylebuildersbook.com https://wearelifestylebuilders.com/ lifestylebuilderspodcast.com Richer Soul Life Beyond Money. You got rich, now what? Let's talk about your journey to more a purposeful, intentional, amazing life. Where are you going to go and how are you going to get there? Let's figure that out together. At the core is the financial well being to be able to do what you want, when you want, how you want. It's about personal freedom! Thanks for listening! Show Sponsor: http://profitcomesfirst.com/ Schedule your free no obligation call: https://bookme.name/rockyl/lite/intro-appointment-15-minutes If you like the show please leave a review on iTunes: http://bit.do/richersoul https://www.facebook.com/richersoul http://richersoul.com/ [email protected]

Danielle covers all the different types of health insurance and the choices we can make. We cover the positives and negatives of the various medicare plans along with the costs. Take away: Understand the various choices and costs of health insurance. Action step: Take the time to review your insurance coverage. Money Learnings: Danielle learned to sell earthworms at the age of 4. Her dad was an entrepreneur and so she was always trying new businesses. After her parents divorced her mom explained how money works. Bio: Danielle Kunkle Roberts is a founding partner and senior executive at Boomer Benefits, a national agency specializing in Medicare-related insurance products since 2005. Serving thousands of Medigap policyholders in 48 states, Boomer Benefits helps baby boomers how to navigate Medicare. She is a nationally-recognized expert in the Medicare-sector of the health insurance industry and a member of the Forbes Finance Council, where she writes about Medicare and the costs of healthcare in retirement. Highlights from this episode: Episode Page

• Side hustles.
• Danielle's early career work.
• The hustle required to bootstrap a business.
• The power of joining an association.
• Picking the right business partner.
• Changing the way insurance is sold.
• Listener question.
• Health sharing ministries.
• Catastrophic insurance plans.
• High deductible plans.
• HSA plans.
• How to plan for early retirement costs.
• Medicare isn't free.
• The different decisions in medicare insurance choices.
• The annual election period and review process.

Facebook: https://www.facebook.com/BoomerBenefits boomerbenefits.com daniellekroberts.com Twitter: https://twitter.com/BoomerBenefits (@BoomerBenefits)

Richer Soul Life Beyond Money. You got rich, now what? Let's talk about your journey to more a purposeful, intentional, amazing life. Where are you going to go and how are you going to get there? Let's figure that out together. At the core is the financial well being to be able to do what you want, when you want, how you want. It's about personal freedom! Thanks for listening! Show Sponsor: http://profitcomesfirst.com/ Schedule your free no obligation call: https://bookme.name/rockyl/lite/intro-appointment-15-minutes If you like the show please leave a review on iTunes: http://bit.do/richersoul https://www.facebook.com/richersoul http://richersoul.com/ [email protected] Any financial advice is for educational purposes only and you should consult with an expert for your specific needs.

Choose FI Your Blueprint to Financial Independence Chris shares his journey to financial independence and how you can create your own path to the life you choose. It's about creating time freedom to live life on your terms. Take away: Figure out what you want from life and create a financial plan to achieve it. Action step: Do a 80/20 analysis - to figure out the 1 or 2 things that would provide you the biggest impact. Money Learnings: School didn't teach Chris about money. He learned watching his dad start his business in photography. His mother taught him to be frugal. He also learned to stay away from debt. Bio: Chris Mamula used principles of traditional retirement planning, combined with creative lifestyle design, to retire from a career as a physical therapist at age 41. After poor experiences with the financial industry early in his professional life, he educated himself on investing and tax planning. Now he draws on his experience to write about wealth building, DIY investing, financial planning, early retirement, and lifestyle design at Can I Retire Yet? Chris' writing has been featured in MarketWatch, Doughroller, Business Insider and RockStar Finance. He is also the primary author of the book Choose FI: Your Blueprint to Financial Independence. You can reach him at [email protected] Highlights from this episode:

• Focus your spending on what you love.
• Chris's experience of watching his dad start and run his business.
• The experience of early "retirement".
• The power of owning your time.
• Money does not equal happiness.
• Being a "dirtbag".
• Some of the early investing mistakes.
• The book: Choose FI Your Blueprint to Financial Independence.
• Figuring out your path and enjoying the journey.
• Changing the bubble you normally live in and getting out of your comfort zone.
• Getting dads to be more involved in kid's lives.
• Creating space to be able to figure out what you want in life.

canIretireyet.com choosefi.com/book Twitter: @caniretire_yet Richer Soul Life Beyond Money. You got rich, now what? Let's talk about your journey to more a purposeful, intentional, amazing life. Where are you going to go and how are you going to get there? Let's figure that out together. At the core is the financial well being to be able to do what you want, when you want, how you want. It's about personal freedom! Thanks for listening! Show Sponsor: http://profitcomesfirst.com/ Schedule your free no obligation call: https://bookme.name/rockyl/lite/intro-appointment-15-minutes If you like the show please leave a review on iTunes: http://bit.do/richersoul https://www.facebook.com/richersoul http://richersoul.com/ [email protected] Any financial advice is for educational purposes only and you should consult with an expert for your specific needs.

Jay Jayamohan shares his startup journey and what he has learned along the way. While everyone talks about getting investors and using other people's money Jay shares the downside of doing that. We also talk about alternative ways to raise funding. Take away: Accepting venture capital money in business comes with a lot of strings that you may not like. Action step: Describe something without using the word it is. Money Learnings: Jay grew up happy. It didn't matter how much money they had or didn't have. Money doesn't equal happiness. Bio: Jay Jayamohan is a leading expert in disruptive innovation, design thinking, and strategic management. He has worked extensively with Fortune 500 and Global 1000 companies, the U.S. government, startups, venture capitalists and foundations. As Executive Director of the Center for Innovation & Entrepreneurship at Harrisburg University, he is responsible for creating a multi-pronged but interconnected hub that aligns entrepreneurial activities across campus and across disciplines. He leads the effort that strategically positions HU to have a greater impact – socially and commercially – by having innovative thinkers and entrepreneurs from and around Harrisburg coming together with students and faculty to collaborate on ideas and solve problems. He is the founder of RollStream, a product company and as CEO grew the company from concept to over 100 people globally, raised tens of millions in venture capital and won numerous accolades including 'top 100 supply and demand chain vendors in 2008'. RollStream under Jay's leadership innovated to define a new space and acquire Fortune 500 customers like Walgreens, Tesco, McKesson and Tyco within the first year of product release. The company was acquired in 2011 by GXS, now OpenText. Jay has broad industry knowledge in Software, Financial, & Manufacturing and international experience in Asia, Europe and Middle East. Previously Jay was a Practice Leader at PricewaterhouseCoopers. Also as Managing Director of Synteras, a Professional Services firm, led from startup to over $25 M in revenue with consistent 20% net income. The company was selected as a Washington Technology Fast 50 firm in 2012. He has been profiled multiple times in local press including Washington Post, Business Journal etc. and is a speaker at local business events. Jay Holds an M.S in Management from George Mason University and Bachelors in Mechanical Engineering. Highlights from this episode: Episode Page

• How life is different in India.
• Creating a safe zone for your kids.
• Working at PWC.
• Consultants don't have the answers.
• Figuring out your money run rate and how long you can survive.
• Other people's money and how you lose control.
• The right time and rate for spending money.
• Hacker, Hustler, Hipster
• Start with the end in mind.
• The pressure of 20x returns.
• The customer can be a great investor in your company.
• Changing the way you think.

[email protected] Richer Soul Life Beyond Money. You got rich, now what? Let's talk about your journey to more a purposeful, intentional, amazing life. Where are you going to go and how are you going to get there? Let's figure that out together. At the core is the financial well being to be able to do what you want, when you want, how you want. It's about personal freedom! Thanks for listening! Show Sponsor: http://profitcomesfirst.com/ Schedule your free no obligation call: https://bookme.name/rockyl/lite/intro-appointment-15-minutes If you like the show please leave a review on iTunes: http://bit.do/richersoul https://www.facebook.com/richersoul http://richersoul.com/ [email protected] Any financial advice is for educational purposes only and you should consult with an expert for your specific needs.

Dr. Estes shares how we get addicted and the many different types of addiction. She shares the underlying issues that cause addiction and how to address the underlying root cause. You may be surprised at the addictions you have. Take away: All addictions have the same underlying root causes that we need to address. Action step: Start a journal of your addictions and include your food and mood. Money Learnings: She was taught we don't have the money for that from her parents. At 14 she had her life plan for success. Bio: Cali Estes, Ph.D is an author and highly sought after Addiction Therapist and Life/Corporate Coach who specializes in harm reduction and utilizes holistic approaches to treat addiction, as well as mental conditions holding her clients back from reaching their full potential. She works with individuals, drug and alcohol treatment teams and addiction professionals looking to advance their knowledge base. Dr. Estes has over 20 years experience working with drug, alcohol and foodaddictions. Her deep understanding of drug and alcohol addiction, including the behaviors and ramifications that are associated with it, place her at the top in the field of addiction therapy. Dr. Estes is an interactive, solution-focused Positive Psychologist and Cognitive Behavioral Therapist. Her unique no-nonsense approach of cognitive behavioral therapy, positive psychology and life coaching combine to provide the perfect support for an addict. Dr. Estes' background in food addictions and the emotional and physical tolls it takes on one's psyche and physical well-being is highly unique. Dr. Cali Estes is a #1 Best Selling Author on Amazon has been featured on CNN, NBC, CNBC, CBS, FOX News, LA Times, Yahoo! News, Philadelphia Inquirer, Reader's Digest, Entrepreneur Magazine, MSN Money, Max Sports and Fitness, San Jose Mercury, The Fix, Dr. Drew, People Magazine, Washington Post, Yoga Digest, Reader's Digest, and more. She was also featured in a riveting documentary about addiction, Gone Too Soon: The Story of Emily Cooley. Dr. Estes is a Certified Masters Level Addiction Professional. She holds a Ph.D from DSU in Psychology and Life Coaching, a Master's Degree from WCU, and an undergraduate from PSU, International Certification as a Drug and Alcohol Therapist, Master Certified Addictions Professional, as well as 24 certifications and over 20 years of experience as a Personal Trainer, Yoga Teacher, Pilates Teacher, Food Addictions Specialist and Life Coach. Her unique approach to get to the root cause of the problem with each client and relate on a humanistic level makes her desirable in this industry. Dr. Estes is more than a 'sober coach'. She has a background in clinical and personality psychology, addictions and forensics and has been featured on NBC, CBS, CNN's Don Lemon, MSN, Dr. Drew Podcast, Washington Post, Fox News, The Los Angeles Times and many more. Highlights from this episode:

• Cali's desire to have success from a young age.
• She started her fitness business and grew massively and then lost it all in the recession.
• Learn to shift, change and overcome rejection.
• Her path to the addictions coach.
• What's the root cause of the problem? The addiction is the solution to that problem.
• What's your purpose and passion in life?
• The rat park study on addiction and happiness.
• Why unfulfillment leads to addictions.
• How to figure out what you want in life.
• How food affects us.
• How the chemicals in food cause cravings.
• Food addiction coaching program.
• Creating a healthy food environment at work.
• Why diets fail.
• What to do when you fall off the path.
• Are pills ever the answer?
• How to break a smoking addiction.
• People want a quick fix. However it takes time.
• Good addictions?

https://caliestes.com https://theaddictionscoach.com/ Phone 800-706-0318

Click here for more information on Dr. Cali Estes. Facebook Twitter LinkedIn

Richer Soul Life Beyond Money. You got rich, now what? Let's talk about your journey to more a purposeful, intentional, amazing life. Where are you going to go and how are you going to get there? Let's figure that out together. At the core is the financial well being to be able to do what you want, when you want, how you want. It's about personal freedom!

Thanks for listening!

Show Sponsor: http://profitcomesfirst.com/

Schedule your free no obligation call: https://bookme.name/rockyl/lite/intro-appointment-15-minutes

If you like the show please leave a review on iTunes: http://bit.do/richersoul

https://www.facebook.com/richersoul

http://richersoul.com/

[email protected]

Any financial advice is for educational purposes only and you should consult with an expert for your specific needs.