In this episode of Wealth is a Choice, host James Studinger sits down with Dr. Greg Gogolin, Distinguished Professor of Information Security & Intelligence and Director of the Center for Cybersecurity & Data Science at Ferris State University. Dr. Gogolin helped design Ferris State’s nationally recognized Information Security & Intelligence and Artificial Intelligence programs and is a Fulbright Scholar whose work spans digital forensics, cybersecurity, and AI.

Together, James and Dr. Gogolin unpack what’s really happening behind the scenes with artificial intelligence. Using clear, real-world examples, they explore how AI models are trained, where bias creeps in, how large language models like ChatGPT, Gemini, and Claude work.

They also dive into the human side of AI: what professionals should never type into an AI tool, why medical and financial note-taking with AI can potentially create long-term risks for clients and patients, and how hackers are already using AI to make cyberattacks easier. Finally, they look ahead at careers, asking where young people can still thrive, and how to build a future where AI is an ally, not your replacement.

In this conversation, you’ll hear about:

Listen now and discover why “wealth is a choice”—and how to make it yours.

#WealthIsAChoice #ArtificialIntelligence #Cybersecurity #DigitalForensics #DataPrivacy #FinancialWellness #TechTrends #CareerAdvice #EthicalAI #InformationSecurity

In this episode of Wealth is a Choice, host James Studinger welcomes Dr. Greg Gogolin, Distinguished Professor of Information Security & Intelligence and Director of the Center for Cybersecurity & Data Science at Ferris State University. A Fulbright Scholar and one of the early pioneers in digital forensics and cybersecurity education, Dr. Gogolin has trained law enforcement and intelligence professionals across the world and helped design Ferris State’s nationally recognized cybersecurity and AI programs.

James and Dr. Gogolin dive into the rising wave of cybercrime, how it exploded after COVID, how work-from-home culture changed the threat landscape, and why criminals increasingly target everyday people. Through real stories from investigations he has worked on, Dr. Gogolin explains why cyber scams are so effective, how criminals exploit institutions and emotions, and why law enforcement can only pursue a tiny fraction of the crimes committed each year.

Together, they break down the practical steps anyone can take to protect themselves, their money, their identity, and their aging parents from modern cyber threats:

In this conversation, you’ll hear about:

Dr. Gogolin also shares industry insights on corporate espionage, international hacking groups, identity theft, cloud storage risks, and why cybersecurity ultimately comes down to vigilance and layered defenses, not fear.

Listen now and discover why “wealth is a choice”—and how to make it yours.

#WealthIsAChoice #Cybersecurity #DigitalForensics #IdentityProtection #FinancialSafety #ScamPrevention #OnlineSecurity #InformationSecurity #RiskManagement #ProtectYourMoney

In this episode of Wealth is a Choice, host James Studinger reconnects with professional triathlete Carrie McCoy to revisit her incredible solo cycling journey around Michigan’s Upper Peninsula. Carrie became the first woman to earn plaid by completing 1,200 miles in just 10 days during the Tour Da Yoop, Eh.

James and Carrie reflect on the powerful moments from that adventure, from the people she met and the challenges she faced, to how those experiences shaped her perspective on life, resilience, and gratitude.

Carrie’s story is one of courage, connection, and continuous self-discovery. Her belief that we “get to” take on life’s challenges, rather than “have to,” reveals a mindset rooted in appreciation and perseverance.

Together, James and Carrie explore key themes including:

Carrie’s story reminds us that life is about knowing what drives us, staying disciplined, and finding joy in the journey.

**Listen now and discover why “wealth is a choice”—and how to make it yours.**

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#WealthIsAChoice #PersonalGrowth #Resilience #Mindset #Triathlon #Endurance #Motivation #TourDaYoopEh #FinancialWellness #Performance #Discipline #LifeLessons

In this episode of Wealth is a Choice, host James Studinger welcomes Brandon Geisler, Senior Vice President and Portfolio Manager of the Alger Mid Cap Growth Fund.

It’s ironic, the tool that builds more American wealth than any other, the mutual fund, is also one of the least understood. In this episode of Wealth Is a Choice, we explore why so many investors never master the very asset that defines their financial lives, and how understanding it can unlock real, lasting wealth.

This episode gives listeners a deeper look into the art of staying rational amid market emotion, understanding the businesses behind investments, and thinking like a long-term wealth builder.

**Listen now and discover why “wealth is a choice”—and how to make it yours.**

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#WealthIsAChoice #FinancialWellness #Investing #MutualFunds #MidCapGrowth #ActiveInvesting #LongTermThinking #Discipline #FinancialGrowth #PortfolioStrategy #PersonalFinance

In this episode of Wealth is a Choice, host James Studinger welcomes endurance cyclist Kevin Liberacki, who recently set a course record in the Psycho 48 bike race. Kevin and James first met during the Tour Da Yoop, Eh, an event James hosts and have since shared a passion for cycling.

Together, they explore the mindset and methods behind Kevin’s remarkable achievements. Kevin shares what he learned works for him from hydration and nutrition to improving efficiency on the bike all while continuing to learn and grow at 59 years old.

James notes that Kevin didn’t begin as a phenom athlete; instead, he built his success through discipline, experience, and intentional growth. Their conversation covers performance in cycling, but the takeaways easily expand to other aspects of life.

Whether you’re chasing fitness goals, financial goals, or both, this episode offers insight into what it takes to push limits and find fulfillment in the process.

**Listen now and discover why “wealth is a choice”—and how to make it yours.**

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#WealthIsAChoice #FinancialWellness #EnduranceMindset #PersonalGrowth #Cycling #Performance #Discipline #TourDaYoopEh

In this episode of Wealth is a Choice, host James Studinger welcomes Stephen Merz, owner of Trek Bicycle Grosse Pointe, to explore the art and science of proper bike fitting—and the surprising parallels it shares with personal finance.

Stephen explains how no two cyclists are alike. To create the perfect fit, he considers each rider’s injury history, athletic background, and personal goals—whether that’s competitive racing, building endurance, or simply enjoying more time outdoors. The process is about optimizing comfort, power, and aerodynamics so riders can perform their best and stay healthy for the long haul.

James connects these same principles to financial performance. Just as a customized bike setup helps riders go farther and faster, a well-structured financial plan helps individuals get more out of their resources while reducing unnecessary strain. Both require personalization, balance, and long-term sustainability to achieve meaningful results.

Together, they discuss why prevention is key—whether it’s avoiding injuries before they happen or making proactive financial decisions to prevent future setbacks. Stephen also reflects on the idea that “average” doesn’t truly exist; every rider (and every investor) brings their own unique variables that demand a tailored approach.

This thoughtful conversation is a reminder that whether on a bike or in your financial life, progress is built through intentional choices and an individualized plan that fits you perfectly.

The importance of personalization in both cycling and financial planning

How optimizing bike fit parallels optimizing financial performance

Why prevention and sustainability matter more than short-term fixes

The myth of the “average person” and why success must be individualized

Insights from Stephen Merz on achieving comfort, power, and balance on and off the bike

Listen now and discover why “wealth is a choice”—and how to make it yours.

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#WealthIsAChoice #FinancialPerformance #TrekBicycleGrossePointe #BikeFitting #FinancialPlanning #WealthMindset #MoneyManagement #Optimization #SustainableSuccess

In this episode of Wealth is a Choice, host James Studinger welcomes Ben Heller, an accomplished architect and builder, to discuss the striking similarities between constructing a home and building personal wealth.

Together, they explore how the same principles that guide great architecture—strong foundations, careful planning, and long-term vision—also apply to financial success. James and Ben share how patience, structure, and adaptability play vital roles in turning both physical and financial blueprints into lasting achievements.

The conversation also touches on the principles of Feng Shui and how thoughtful design can influence not only the feel of a home but also the mindset and balance of those who live within it. It’s a powerful reminder that both wealth and wellness are shaped by the environments we create.

Whether you’re designing your dream home or shaping your financial future, this episode offers insightful, real-world lessons on how intentional design and disciplined planning can help you build something truly enduring.

🔑 Key Takeaways:

The shared foundations of great building and great financial planning

How to approach wealth-building with a designer’s mindset

Insights from architect and builder Ben Heller on structure, balance, and growth

The role of Feng Shui in creating harmony between space and success

Practical ways to turn your financial “blueprint” into a strong, lasting reality

**Listen now and discover why “wealth is a choice”—and how to make it yours.**

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#WealthIsAChoice #BuildingWealth #FinancialBlueprint #DesignYourFuture #BuildYourWealth #FinancialPlanning #WealthMindset #MoneyManagement

In this episode of Wealth is a Choice, host James Studinger sits down with Michigan Senator John Damoose for an inspiring discussion about the power of civic involvement and the vital role individuals play in shaping their communities.

Senator Damoose shares his journey from private citizen to public servant, emphasizing how meaningful change often begins when everyday people take the initiative to bring local concerns to state leaders. He also discusses the importance of working across the aisle, finding common ground, and building relationships that prioritize people over politics. Together, James and Senator Damoose explore how collaboration, communication, and personal responsibility can drive real progress on the issues that matter most.

This episode reminds listeners that leadership isn’t reserved for elected officials; it’s built through participation, open dialogue, and a commitment to solving problems close to home.

🔑 Key Takeaways:

**Listen now and discover why “wealth is a choice”—and how to make it yours.**

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In this episode of Wealth is a Choice, host James Studinger sits down with Robin Lott, Executive Director of the Office of Postsecondary Financial Planning, to clear up the confusion surrounding Michigan’s three college savings plans—and to help families make confident, informed decisions about investing in education.

Robin explains the differences between the state’s options: one pre-paid tuition plan and two investment-based plans, addressing common questions about how these accounts work if a child attends school out of state, chooses not to pursue higher education, or ends up with funds left over. Together, James and Robin explore how Michigan’s programs compare nationally, including a look at how Michigan’s plans rank among the best in the country.

The discussion also highlights why some families miss out on Michigan’s valuable state tax benefits by investing elsewhere—and why Michigan’s plans deserve a closer look. Beyond college savings, Robin shares her passion for financial education and introduces listeners to a state website designed to help families find scholarships and additional resources for funding higher education.

This episode removes the mystery from college savings and empowers families to take full advantage of the exceptional tools available right here in Michigan.

🔑 Key Takeaways:

The key differences between Michigan’s three college savings plans

How to use these plans—even if your child studies out of state

What to do if your child doesn’t attend college or funds remain unused

Why Michigan’s plan ranks among the nation’s best

Resources available to help families find scholarships and financial guidance

Resources mentioned by Robin:

MI Money Matters | Reed City Area District Library

Michigan Reconnect

**Listen now and discover why “wealth is a choice”—and how to make it yours.**

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#WealthIsAChoice #CollegeFunding #FinancialPlanning #EducationMatters #StudentSuccess #MoneyMindset

What does it mean to be a “master of your craft,” and how can the same principles that drive artistic excellence also build financial freedom?

In this episode of the Wealth Is a Choice podcast, host James Studinger welcomes renowned photographer Brad Ziegler to explore the deep connections between creativity, entrepreneurship, and personal wealth.  

Brad shares his unexpected journey from military school and fashion shoots to becoming a sought-after portrait artist. The conversation dives into how a simple compliment or bit of encouragement can change everything—and why learning to recognize your unique gifts leads to success both in business and with money.  

You’ll discover:

Plus, hear practical stories about building resilience, finding work-life balance, giving practical money lessons to kids, and facing adversity (from tech disasters to long bike rides in the U.P.). 

Whether you’re a creative, an entrepreneur, or someone looking to demystify wealth, this episode is packed with real-world insights and inspiration.

**Listen now and discover why “wealth is a choice”—and how to make it yours.**

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#WealthIsAChoice #Photography #FinancialFreedom #Entrepreneurship #LifeLessons #BradZiegler #Podcast