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We all carry bias in our lives but did you know you have financial biases too? Probably more than you thought. As Matthew works toward earning his Certified Financial Planner certification, he was exposed to the myriad of biases people can have with regard to their finances. Some obvious, others not so much. Confirmation Bias, Endowment Bias, Self Control Bias; Hear the perspective from your hosts Jim Gebhardt and Matthew Grishman as they discuss the "why's" of a Certified Financial Planner and the influence financial bias has on so many investment, saving and spending characteristics. You'll be surprised. For more information about Financial Sobriety, visit www.yourfinancialsobriety.com

You can learn more about The Whole Wealth Journey by visiting The Gebhardt Group. You can follow us on Instagram @thewholewealthjourney

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The Thanksgiving holiday is over. Most of us celebrated with family and friends and had a day full of gratitude. But why let it end with just one big day a year? What if gratitude happened every day? Multiple times a day? What could that look like? How could that benefit everyone? How would it make you feel? Your hosts, Jim Gebhardt and Matthew Grishman explain their take on gratitude in a very simple episode with a huge takeaway. For more information about Financial Sobriety visit www.yourfinancialsobriety.com

You can learn more about The Whole Wealth Journey by visiting The Gebhardt Group. You can follow us on Instagram @thewholewealthjourney

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

The Clarity Compass is a great tool to understand what it is you are going to do to improve your relationship with money and consequently with yourself and others. What does that look like as we approach the holidays? How do you prevent the Visa Hangover that comes post holiday when you've violated the very principles you just assembled with the Clarity Compass tool? What better way to insulate the money than with a Financial Sobriety blanket! Jim and Matthew take you on a little journey with a happy ending that applies to all of us. For more information about Financial Sobriety, visit www.yourfinancialsobriety.com.

You can learn more about The Whole Wealth Journey by visiting The Gebhardt Group. You can follow us on Instagram @thewholewealthjourney

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You've heard the descriptions of both Jeff (aka "Ace") and Theresa as they worked their way through the process of the identification of their core four values. Now hear the completion of the Clarity Compass exercise and learn what it did for them to help crystallize what's most important to them and how knowing this gives them guidance on how they'll use their money to best serve those values.You can find the Value Cards on Amazon by clicking this link:www.amazon.com/Values-Cards-John…69286412242&psc=1To get the Clarity Compass worksheets, visit www.yourfinancialsobriety.com/resources.

You can learn more about The Whole Wealth Journey by visiting The Gebhardt Group. You can follow us on Instagram @thewholewealthjourney

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

The Clarity Compass is a part of the foundation of Financial Sobriety and is referenced throughout many of the episodes. Without it, you have no direction. With it, you have, well, clarity! Easier for some than others, the Clarity Compass exercise is a pre-requisite to further understanding of Financial Sobriety. In this episode, you'll hear the Clarity Compass applied as the show's producer, AKA Ace, and his wife Theresa go thru the process of the Value Cards to identify what is really important to them. This first in a two part series will both explore and reveal the Clarity Compass process and it's outcome for this particular couple.You can find the Value Cards on Amazon by clicking this link: https://www.amazon.com/Values-Cards-John-Veeken/dp/0980517532/ref=asc_df_0980517532/?tag=hyprod-20&linkCode=df0&hvadid=312134205520&hvpos=&hvnetw=g&hvrand=18145752119503041119&hvpone=&hvptwo=&hvqmt=&hvdev=c&hvdvcmdl=&hvlocint=&hvlocphy=9061153&hvtargid=pla-569286412242&psc=1For more information about Financial Sobriety, visit www.yourfinancialsobriety.com

You can learn more about The Whole Wealth Journey by visiting The Gebhardt Group. You can follow us on Instagram @thewholewealthjourney

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

In Part 1 of the Clarity Compass you went thru the exercise as it was performed with the program's producer, Ace. (aka Jeff). Now, Matthew and Jim take Jeff's wife, Theresa or "T" through the same process with what might be surprising results; In a good way. For couples and families, understanding each other and identifying those four things that are most important to you can really change the dynamics of why you do what you do with your financial resources. You'll see that in play as the Clarity Compass process continues.For more information about Financial Sobriety, visit www.yourfinancialsobriety.com

You can learn more about The Whole Wealth Journey by visiting The Gebhardt Group. You can follow us on Instagram @thewholewealthjourney

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Not unlike flying a plane, you're going to hear Matthew and Jim discuss the need to have checks and balances on your investment "flight" plan. Too often, one tends to want to manually attempt to "fly" their investment strategy over the long haul. Not unlike a flight plan, however, if you're off just a bit in the early years, you could be way, way off in the later years. A few miles off on the plane's flight path early in the trip equals hundreds of miles off course or more the longer the flight. Make sense? Enter auto-pilot or course correction. The same is true of your investment strategy. Do you have the tools to adequately plan your trip and ensure that auto-pilot is giving you the most accurate and direct route to where you want to end up? You'll get some great training today on what you can do to be sure you get to your destination with the most direct route and in the manner you anticipated. For more information about Financial Sobriety, visit www.yourfinancialsobriety.com

You can learn more about The Whole Wealth Journey by visiting The Gebhardt Group. You can follow us on Instagram @thewholewealthjourney

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

Inflation is the silent disruptor as you've already heard. But did you know you can battle back with relative ease? Exercising the pain of discipline over the pain of regret, today's episode reveals tips, tricks and tools you can use to win the battle over inflation. You can do it and you can continue to live your lifestyle... as long as you don't allow it to creep up with the advances you make with your money. Learn how in detailed steps with historical experience and practice from both your hosts, Jim and Matthew in this episode. The articles referenced can be found in the following links:"Traits that Superfriends have in common" https://www.theatlantic.com/family/archive/2022/08/making-keeping-friends-attachment-theory-styles/671222/"One in three families had to cancel vacation plans.""https://finance.yahoo.com/news/inflation-families-canceled-vacation-strategist-121650642.html?guce_referrer=aHR0cHM6Ly93d3cuZ29vZ2xlLmNvbS8&guce_referrer_sig=AQAAANHo11_aZXdVZrW09Xfwm6GE6mdhkXuIeNNLmcshX4UWPyb5eMudQpo2WDcDug6JQiF1xOYDDqPuw2BJf7fenLrbwQc9t5kxCMuc-FdslUPakwahTkMomvo9RwmAOtGrExmO94-3swAbGEtIXIyYuxE8tgJaDkpWewNo0IRysKEDFor more information about Financial Sobriety, visit www.yourfinancialsobriety.com

You can learn more about The Whole Wealth Journey by visiting The Gebhardt Group. You can follow us on Instagram @thewholewealthjourney

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

It's the hottest topic of discussion in financial circles right now. That's right. Inflation is silently eating away at your savings, it's taking your income, it's limiting your freedom to do what you want. Join Matthew and Jim as they discuss what inflation is and how we may have gotten to this point. Somewhat tutorial, somewhat educational and always presented with an entertaining bent, this is must know information if you have any concern for the well-being of your financial future. Do not let inflation eat up everything you've been working so hard to save for. In part two of this conversation, you'll hear the reality of what the Inflation Reduction Act is meant to accomplish. You may be quite surprised. For more information, visit www.yourfinancialsobriety.com

You can learn more about The Whole Wealth Journey by visiting The Gebhardt Group. You can follow us on Instagram @thewholewealthjourney

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

How, really, does the Inflation Reduction Act impact inflation? As you might have surmised, this is a very familiar governmental titling ploy to make the "Act" sound like something it may not quite really be. Or is it? Does it do what it says? Listen to what Matthew and Jim have to say about it and do what you must to keep your political persuasion out of the evaluation. This is a bi-partisan bill and it's not about which party you belong to. This episode is a tutorial on how the government can manipulate monetary policy to create or eliminate some degree of managed inflation among other things. But back to the Inflation Reduction Act. You'll hear the guys describe their perspective on what they see as we begin to implement the requirements of the bill. For more information, visit www.yourfinancialsobriety.com

You can learn more about The Whole Wealth Journey by visiting The Gebhardt Group. You can follow us on Instagram @thewholewealthjourney