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Have you ever caught yourself wondering why society keeps urging you to upgrade your lifestyle, even when it's draining your bank account? It's a dilemma your hosts, Matthew Grishman and Jim Gebhardt, felt compelled to discuss as it can start as simply as getting the kids ready for back to school. It’s a blend of anxiety and gratitude and... credit card spending. The amount of credit card debt is astounding as you'll hear in the episode. The changing dynamics of consumer behavior in the era of online shopping, as well as, the surprising resilience of physical malls, are part of the ease into more debt. And that's not to mention our thoughts on the growing dependence on services like DoorDash and Uber Eats. And all on credit cards.This all leads into your preparation for retirement as debt will destroy the best laid plans. Will traditional retirement become a luxury? For many, sadly, yes. However, there is hope and a solution you'll hear on the value of financial sacrifice and discipline. What a fitting episode to take us from the summer back into the reality of the last few months of the year.For more information and to order the book "Financial Sobriety" visit www.yourfinancialsobriety.com

You can learn more about The Whole Wealth Journey by visiting The Gebhardt Group.

We would love to hear what you have to say about this episode. Please send us a text.

Hard to believe another summer is behind us and the fourth quarter of the year is just around the corner. Your hosts, Jim Gebhardt and Matthew Grishman, reflect on the second summer presenting the "Teach Your Children" series and the significance of preparing your children for their relationship with money, self and others. From that vantage point, they take a slight look ahead to set the tone for the remainder of the year and a glimpse of what to expect as you work the process of becoming financially sober.For more information, visit www.yourfinancialsobriety.com

You can learn more about The Whole Wealth Journey by visiting The Gebhardt Group.

We would love to hear what you have to say about this episode. Please send us a text.

As our "Teach Your Children" series winds down for the summer, one of the critical "Pay thyself first" comprehensions has to be not only the "why" but the "how". In this episode, Matthew and Jim share both their own personal stories with their children as well as the direction you can take to help your children understand the value of the discipline to make an investment in themselves and do it in a proper manner.For more information on Financial Sobriety visit www.yourfinancialsobriety.com

You can learn more about The Whole Wealth Journey by visiting The Gebhardt Group.

We would love to hear what you have to say about this episode. Please send us a text.

So you're following along with your hosts Matthew Grishman and Jim Gebhardt and your children are making progress, all excited about that first job and that first paycheck, right? But what happens next is the crux of this episode. The money isn't right! Who took my money? How do you explain to your children how and why what they get paid hourly isn't what they're going to take home from their efforts at work? That's what you'll learn in today's episode.For more information on Financial Sobriety or to order the book, visit www.yourfinancialsobriety.com.

You can learn more about The Whole Wealth Journey by visiting The Gebhardt Group.

We would love to hear what you have to say about this episode. Please send us a text.

We're getting toward the end of summer and your hosts Matthew Grishman and Jim Gebhardt have been holding class on teaching your children about many of the attributes of building wealth and money as they relate to somebody just getting started in their earning career. Now comes the moment of truth when an income stream is recognized. Wealth building is a marathon, not a sprint but only if one is diligent in doing so. Today's episode get's one started on the process of being certain that the right person is getting paid first. YOU! (Or your child in this case.) 401K's and savings mechanisms are discussed as they relate to long term wealth accumulation and ultimately, a successful retirement. For more information on how to better teach your children the basics of money, visit www.yourfinancialsobriety.com

You can learn more about The Whole Wealth Journey by visiting The Gebhardt Group.

We would love to hear what you have to say about this episode. Please send us a text.

If you're thinking it seems like you just heard an episode last week, you're correct. This whole teach your children concept provides so much value, the intent is to get as much of it completed while the kids are out of school and still at home. In this episode, your hosts, Matthew Grishman and Jim Gebhardt dig just a little deeper into the education of our children on what's important to them. Getting clarity through the "Clarity Compass" applied to your children can really open up their eyes to the concept of money. Similar to the earlier chapter in the book or episode on the podcast, the difference in this episode is the anecdotal stories and the specific application for the kids. And yes, there is a homework assignment. What would you expect from an episode that starts out with "Class is in session???"For more information about Financial Sobriety, visit the website www.yourfinancialsobriety.com

You can learn more about The Whole Wealth Journey by visiting The Gebhardt Group.

We would love to hear what you have to say about this episode. Please send us a text.

When the original episode was recorded, the "Child Tax Credits" were being distributed without the apparently requisite instruction manual on how to make the most of the money being received. That conversation made for an evergreen discussion on financial literacy for children and teens and even college students as they all need it desperately. This is a conversation that should be had even more than as en "encore" but frequently in communities, in schools, at home. Often. If you've missed this episode the first time around, or even the second, be sure to get yourself caught up. We all need to push for financial literacy for our children wherever or however it's going to happen.

You can learn more about The Whole Wealth Journey by visiting The Gebhardt Group.

We would love to hear what you have to say about this episode. Please send us a text.

Summertime has become the opportunity to brush up, refresh, reset and, well, relaunch the most popular "series" of episodes of Financial Sobriety, The "Teach Your Children" series on helping parents help their children learn about money and how it's so much more than just a buck to burn. By far, the most shared and played episodes in the library, they warrant the re-acquaintance. They're becoming classic, Matthew and Jim in providing you valuable information to support your efforts to help your children become more intentional with their money. (Once they learn what that really means, of course!)Continuing the theme of teaching your children financial literacy, this episode digs into respecting the value of money from an early age with some tutorial elements to help you with your children in the process of learning about the value of a dollar. The concepts may be simple in theory but the actual practice is invaluable.For more information on Financial Sobriety or to reach Matthew Grishman, visit www.yourfinancialsobriety.com

You can learn more about The Whole Wealth Journey by visiting The Gebhardt Group.

We would love to hear what you have to say about this episode. Please send us a text.

Yes, you may have heard this very first and extremely popular summer edition of the Teach Your Children series before. As a matter of fact, these are some of the most popular episodes in the library. And for good reason. Isn't parenting one of the greatest responsibilities we could take on? And helping parents along is this first in the TYC series, The Three C's. The twist this season is the fresh new content to lead you into the series as Jim and Matthew have a discussion of where they currently are with their, now mostly grown children and it's testimony to what has been put into raising them. Both the good and the not so good. If you've heard the series before and still have children you're raising, repetition can't hurt and if you're already familiar and don't feel the need to repeat the episode, simply listen for the fresh content and enjoy. For more information about Financial Sobriety visit www.yourfinancialsobriety.com

You can learn more about The Whole Wealth Journey by visiting The Gebhardt Group.

We would love to hear what you have to say about this episode. Please send us a text.

It's that time of year when summer means vacations and holidays and time away from... learning? Maybe not. While the kids may be out of school, what a great opportunity to share and teach the value of learning. And not just any learning but the education of learning about the value of the three C's. The value of money, the value of struggle and so much more. Join you hosts Jim Gebhardt and Matthew Grishman as they share their enthusiasm for getting the "Teach Your Children" series launched for it's third season. For more information about Financial Sobriety visit: www.yourfinancialsobriety.com

You can learn more about The Whole Wealth Journey by visiting The Gebhardt Group.