Millions of financially responsible Americans are locked out of homeownership — not because they’re risky, but because the system hasn’t kept up with reality.

In this episode of The Prosperity Lounge, Joey Ruffalo sits down with Steven Rosasmilia, founder of IMEX USA, to discuss a groundbreaking new approach to mortgage insurance designed for credit-worthy, first-time buyers with “thin” credit files.

Steven shares how this new model challenges decades-old assumptions about risk, credit, and access — and how it could unlock an estimated $150 billion annually in new single-family home purchases without requiring money down or traditional PMI.

This conversation goes beyond mortgages. It’s about leadership, responsibility, and what it takes to build systems that expand opportunity instead of restricting it.

📌 Learn more about IMEX: https://www.imex.one

What does strong law enforcement leadership actually look like in today’s environment?

Leadership doesn’t happen by accident — it’s forged.

In this episode of The Prosperity Lounge, Joey Ruffalo sits down with Anthony Randall, founder of Vanguard XXI, to discuss leadership, character, discipline, and faith under pressure.

This conversation reframes prosperity as formation, not performance — and challenges leaders to grow as whole people.

👉 Learn more about Anthony and his work at VanguardXXI.com

If this episode challenged your thinking, subscribe, leave a comment with your biggest takeaway, and share it with someone who believes leadership should shape people — not just results.

Visit The Prosperity Lounge to learn more

Until next time, stay faithful, stay fearless, and remember:
Freedom lives where faith and action meet.

The Lounge is always open… and so is your next breakthrough.

Welcome to The Prosperity Lounge, where growth gets personal.

In today’s episode, Joey Ruffalo sits down with Dr. Lani Jones, a clinical psychologist and leadership advisor who helps high-performing leaders close what she calls The Final 1% — the invisible gap between success and legacy.

Most leaders don’t struggle at the beginning.

In this conversation, we explore:

Why the final 1% is often harder than the first 75%

How internal beliefs and external noise keep leaders stuck

Why mission, vision, and values aren’t corporate fluff — they’re a GPS

How to protect your “yes” and make your “no” strategic

The difference between success and significance

How to begin building legacy now, not someday

If you’ve built something good — but know you’re meant for more — this episode is for you.

👉 Connect with Dr. Lani Jones & explore the Final 1% resources:

👉 Join the free Prosperity Lounge community:
https://www.theprosperitylounge.com

New episodes weekly.

What happens when wildlife gets into your attic, crawlspace, or walls — especially during snow and ice?

In this episode of The Prosperity Lounge, Joey Ruffalo sits down with Jonathan and Justin Moore, co-owners of Complete Animal Removal East, to talk about the real-world issues homeowners face when squirrels, raccoons, bats, and other wildlife invade their homes.

The Moore brothers share:

How wildlife problems actually start (and why cold weather makes it worse)

The hidden damage animals cause in attics and crawlspaces

Why quick fixes fail — and what true prevention looks like

The importance of proper exclusions and home repairs

Safe, humane animal removal vs. dangerous DIY mistakes

What homeowners should look for before a small issue becomes a major repair bill

This conversation goes beyond pest control — it’s about protecting your home, your health, and your peace of mind with proactive solutions that actually last.

Whether you’re a homeowner, real estate investor, or property manager, this episode will help you understand what’s happening inside your home — and how to stop problems before they start.

🎧 Watch & listen:

YouTube: The Prosperity Lounge

Podcast apps: Spotify, Apple Podcasts, iHeartRadio & more

🌐 Join the free Prosperity Lounge community:

📍 Serving East Tennessee: Knoxville, Pigeon Forge, Gatlinburg & surrounding areas

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Until next time — stay faithful, stay fearless, and remember: freedom lives where faith and action meet.

Where your money goes after you spend it determines what grows.

In this episode of The Prosperity Lounge, Joey Ruffalo sits down with Don Buckner Sr., Founder and CEO of MadeInUSA.com, to explore how American manufacturing, consumer choices, and economic stewardship shape long-term prosperity.

Don shares why buying American-made products does more than support jobs — it multiplies wealth through local communities, strengthens families, and keeps economic value circulating instead of leaving the country.

This conversation covers:

Why manufacturing still matters in today’s economy

How money multiplies when it stays local

The real cost of imported goods

Faith-driven leadership and economic stewardship

What prosperity truly means beyond income

If you care about economic freedom, small business, and building prosperity with intention, this episode will change how you think about every purchase you make.

🔗 Learn more at MadeInUSA.com

What if persuasion wasn’t about pressure, tricks, or “closing tactics”… but about understanding how people actually make decisions?

In this episode of The Prosperity Lounge, Joey Ruffalo sits down with Patrick van der Burght, one of the world’s leading experts in ethical persuasion and behavioral science. Patrick is a Cialdini Certified Trainer, a Founding Member of the Cialdini Institute, and a trusted partner of Dr. Robert Cialdini, author of the landmark book Influence.

Together, they unpack why selling and communication feel harder today, how modern decision-making has changed, and why ethical persuasion consistently outperforms manipulation in both the short and long term.

In this conversation, you’ll discover:

Why people hesitate or say no—even when what you offer truly helps

How ethical persuasion builds trust instead of resistance

The science behind the Seven Universal Principles of Persuasion

Common persuasion mistakes businesses make without realizing it

Simple communication shifts that can dramatically increase buy-in

Whether you’re a business owner, leader, sales professional, or simply someone who wants to communicate more effectively, this episode will change how you think about influence, trust, and decision-making.

🎧 Listen now and learn how to hear “YES” more often—without manipulation.

In this episode of The Prosperity Lounge, Joey Ruffalo sits down with Rep. Monty Fritts, Tennessee State Representative and candidate for Governor, for a values-driven conversation about leadership, service, and stewardship — without the noise of typical political talking points.

Monty shares his background in military service, the private sector, and public office, and how those experiences shaped his views on responsibility, decision-making, and the role of government. Rather than campaign slogans, this conversation focuses on how leaders think, how hard decisions are made, and what stewardship really means at every level — from families and businesses to state government.

We also explore real-world issues Tennesseans care about, including:

What leadership looks like when the stakes are high

Faith, responsibility, and personal accountability

The grocery tax debate — what gets cut, what replaces it, and whether tax reform actually helps families

How to reduce government spending without simply shifting the burden elsewhere

Why long-term thinking matters more than short-term wins

As always in The Prosperity Lounge, this episode is about clarity over chaos, service over soundbites, and freedom rooted in faith and action.

🎧 Listen, reflect, and decide for yourself.

📺 YouTube: The Prosperity Lounge

🎧 Podcast: Apple, Spotify, Amazon, iHeart, and more

👉 Join the community and access free resources at TheProsperityLounge.com

Culture isn’t a buzzword — it’s the invisible force that shapes decisions, behaviors, and long-term success.

In this episode of The Prosperity Lounge, Joey Ruffalo sits down with Steve Gandara and Israel Gandara of Excellent Cultures, a leadership organization that has spent nearly five decades helping businesses, universities, and organizations build cultures rooted in purpose, clarity, and excellence.

Steve brings decades of experience working with corporate leaders and organizations to translate values into real-world behavior. Israel leads the Ignite Young Leaders initiative, equipping the next generation — especially Gen Z — with purpose-driven leadership skills and professional readiness.

In this conversation, we explore:

Why culture matters more than strategy

What “excellent culture” actually looks like in practice

How leaders can build strong cultures with small or growing teams

What Gen Z leaders are looking for — and how organizations can respond

How faith, purpose, and leadership intersect without being performative

A deeper definition of prosperity beyond money or titles

This episode is practical, grounded, and deeply relevant for business owners, leaders, educators, and anyone responsible for shaping people and environments.

🔗 Learn more about Excellent Cultures and Ignite Young Leaders:
https://excellentcultures.com

🎙️ About the Show

🌐 Join the community:
https://www.theprosperitylounge.com

Until next time — stay faithful, stay fearless, and remember: freedom lives where faith and action meet.

What does it take to keep going when life does everything it can to stop you?

In this powerful episode of The Prosperity Lounge, Joey Ruffalo sits down with Jay Setchell — a Marine veteran, entrepreneur, and author whose life is defined by resilience, faith, and personal responsibility.

Jay has been clinically dead three times, endured 73 surgeries, survived a broken neck, paralysis, and COVID Delta when doctors believed he wouldn’t make it. And yet, he continues to lead, build, and serve with one unshakable belief:

“It’s always too soon to quit.”

In this conversation, we talk about:

How mindset and attitude can determine survival

Lessons from the Marine Corps that apply to leadership and business

Faith, family, and purpose through pain

Why small, consistent actions create massive momentum

What prosperity really means when everything is stripped away

This isn’t a motivational speech.

🔗 Learn more about Jay and his work: https://neverquittrying.com