Watch & Subscribe on YouTube

Rob Cook isn’t your average tax guy. Yes, he’s a CPA and CFP®, but more than that — he’s a strategist who knows that taxes are your #1 expense and the most overlooked wealth-building lever. In this episode, we dive deep into the power of proactive planning, why tax prep is not the same as tax strategy, and how even savvy entrepreneurs leave money on the table.

Rob shares the mindset shifts, frameworks, and real-life examples that help his clients keep more, grow faster, and live freer. We also talk about the emotional side of money, the myths around real estate and write-offs, and why choosing the right advisor is one of the most important money decisions you’ll ever make.

1. Tax planning is not tax preparation. Strategy starts long before April.
2. Your CPA must work with your financial team. Silence between advisors leads to lost money.
3. If you’re only a W-2 earner, you’re paying max tax. The IRS rewards investors and business owners.
4. Wealth = What You Keep. Taxes are often the single biggest leak in your wealth bucket.
5. High-net-worth clients don’t DIY. Rob’s most successful clients build a team of experts.

1. “Most people think tax strategy is just saving receipts. It’s not.” — Rob Cook
2. “You shouldn’t be doing this alone. The wealthy never do.” — Krisstina Wise
3. “You can’t invest what you give away to the IRS.” — Krisstina Wise
4. “There’s a reason the wealthy use entities, trusts, and structures — it’s to legally keep more of their money.” — Rob Cook
5. “The goal isn’t to pay zero in taxes. It’s to pay your minimum legal obligation.” — Rob Cook

00:00 — Intro to Rob Cook

03:45 — What most people get wrong about taxes

09:22 — Why W-2 income gets taxed the hardest

14:10 — The power of proactive planning

20:30 — What tax strategy actually looks like

27:40 — How the wealthy build teams to protect wealth

35:15 — Rob’s personal philosophies on money and success

43:00 — Final thoughts and resources

Most people believe that tax strategy only matters in April — that once you hand everything off to your CPA, your job is done. Rob Cook challenges this myth head-on.

As a CPA and wealth strategist, Rob reveals that by the time tax season arrives, it's already too late to make meaningful changes. The biggest tax-saving opportunities happen months — sometimes years — before returns are filed. From choosing the right entity structure to aligning with wealth-building goals, strategic tax planning is a year-round process.

Rob explains, “Tax prep is compliance. It’s looking backward. But tax strategy is proactive — it’s designing your life and income in a way that minimizes taxes and maximizes wealth.” Most W-2 earners, he notes, are unknowingly paying the highest effective tax rates simply because they never learned how to play the game.

His approach shifts the entire conversation: taxes aren’t a once-a-year burden — they’re a lifelong wealth lever. With the right knowledge and team, anyone can structure their income to keep more of what they earn, legally and confidently.

Claim Your Complimentary Tax Strategy Session

• Schedule your free 45-minute consultation with Rob Cook, CPA, CFP®. This is your chance to ask questions, get expert insights, and uncover tax strategies you might be missing.
• 👉 Click here to book your complimentary tax consult with Rob: https://forms.gle/DB19Cv8jLzeYDG44A

Website - https://wealthywellthy.life/

Instagram - https://www.instagram.com/krisstinawise

YouTube - https://www.youtube.com/@krisstinawise

Krisstina's Book, Falling For Money - https://www.amazon.com/dp/0692560904/

Instagram: https://www.instagram.com/krisstinawise

LinkedIn: https://www.linkedin.com/in/krisstinawise/

Youtube: https://www.youtube.com/channel/UC7Q2UuhhY3QZ4XwRhL463fA

Watch & Subscribe on YouTube

Are you a business owner trapped in a high-income rat race, yearning for true financial freedom and a life of purpose?

In this episode of the Money Ripples podcast, Chris Miles welcomes Krisstina Wise, host of the Wealthy Wellthy podcast and expert in helping business owners transform their profits into passive income. Krisstina shares her journey from poverty to financial success, and the hard-learned lessons that shaped her holistic approach to wealth.

Krisstina reveals how she achieved financial independence through real estate investing, emphasizing the importance of building assets that generate passive income. She explains why passive income isn't truly "passive," but rather a form of non-working income that requires smart stewardship.

The conversation delves into the critical balance between financial success and overall well-being. Krisstina recounts her personal health crisis, highlighting the dangers of hustle culture and the need to prioritize physical, mental, and emotional health alongside financial goals.

Ready to break free from the entrepreneurial rat race and create lasting wealth that supports a truly rich life? Listen now to gain invaluable insights from Krisstina Wise on achieving financial freedom while maintaining balance and well-being.

3:14 Growing up poor and motivation for money

5:18 Divorce and financial struggles as a single mom

7:20 Awakening to the real money game

8:43 Transition from selling to buying real estate

11:20 Working income vs non-working income

14:35 Health crisis from overworking and hustle culture

19:10 Health as the number one financial asset

Money Ripples - https://moneyripples.com/

Website - https://wealthywellthy.life/

Instagram - https://www.instagram.com/krisstinawise

YouTube - https://www.youtube.com/@krisstinawise

Krisstina's Book, Falling For Money - https://www.amazon.com/dp/0692560904/

Thank you.

Watch & Subscribe on YouTube

Are you struggling to grow your business while maintaining a healthy work-life balance? Discover how to achieve both financial success and personal freedom with expert insights from Mike Abramowitz.

Mike Abramowitz, a business coach and co-founder of Better Than Rich, shares his journey from selling Cutco knives to helping hundreds of business owners streamline their operations and reclaim their time. With a background in direct sales and a passion for personal growth, Mike offers valuable lessons on building systems, maximizing referrals, and achieving what he calls "3x freedom" - time, money, and location.

In this episode, Mike delves into the mindset shifts and practical strategies that can transform a struggling business into a thriving enterprise. He emphasizes the importance of delegation, leveraging technology, and focusing on high-value activities to scale your business without sacrificing your personal life.

Additionally, Mike discusses the power of referrals, the common pitfalls of home service businesses, and the true meaning of being "rich" beyond just financial wealth. His insights on emotional clarity and presence provide a holistic approach to success that goes beyond traditional business metrics.

If you're ready to take your business to the next level while reclaiming your time and freedom, don't miss this enlightening conversation with Mike Abramowitz on the Wealthy Wellthy podcast.

5:43 Reframing sales as influence and skill

13:46 The mindset difference in successful salespeople

19:59 Mike's background as youngest of eight

25:43 Money journey from debt to accredited investor

33:20 Working hard on the right things

40:26 Common problems for home service businesses

46:37 Defining "better than rich" as 3x freedom

How to Win Friends and Influence People by Dale Carnegie - https://www.amazon.com/How-Win-Friends-Influence-People/dp/0671027034

The 7 Habits of Highly Effective People by Stephen Covey - https://www.amazon.com/Habits-Highly-Effective-People-Powerful/dp/0743269519

Website - https://wealthywellthy.life/

Instagram - https://www.instagram.com/krisstinawise

YouTube - https://www.youtube.com/@krisstinawise

Krisstina's Book, Falling For Money - https://www.amazon.com/dp/0692560904/

Thank you.

Watch & Subscribe on YouTube

Are you blindly trusting your 401k to secure your financial future? You might be making a costly mistake.

In this eye-opening episode of Wealthy Wellthy podcast, we dive deep into her wealth of experience in personal finance and investing, and offers a fresh perspective on building long-term wealth beyond traditional corporate retirement accounts.

The main focus of this episode is debunking the myth that maxing out your 401k is the best path to a comfortable retirement. Krisstina explains why "matching, not maxing" your 401k contributions and diversifying your investments can lead to greater financial freedom. Krisstina emphasizes the importance of having control over your money and being an active, knowledgeable investor to maximize returns.

Throughout the conversation, we dive into topics such as the limitations of government-controlled retirement accounts, the benefits of real estate investing, and the crucial difference between financial security and financial freedom. They also touch on the value of financial literacy and the need to calculate your specific retirement needs.

Ready to take control of your financial future and explore investment strategies beyond your 401k? Listen to this episode of Wealthy Wellthy for actionable insights that could transform your approach to retirement planning and wealth building.

5:05 History of pensions and retirement plans

10:52 Limitations and drawbacks of 401k plans

16:46 Risks of relying solely on 401ks

22:17 Match don't max: 401k investment strategy

28:42 Options for investing outside 401ks

34:24 Comparing different investment vehicles

40:48 Strategies for building wealth long-term

 Vanguard (for index funds) - https://investor.vanguard.com/

Website - https://wealthywellthy.life/

Instagram - https://www.instagram.com/krisstinawise

YouTube - https://www.youtube.com/@krisstinawise

Krisstina's Book, Falling For Money - https://www.amazon.com/dp/0692560904/

Thank you.

Watch & Subscribe on YouTube

Are you struggling to break free from your past and achieve financial success? Dr. Darnyelle J. Harmon's journey from the projects to becoming a multi-millionaire will inspire you to rewrite your own story.

In this episode of Wealthy Wellthy podcast, Krisstina Wise sits down with Dr. Darnyelle J. Harmon, CEO of Incredible One Enterprises and creator of the Move to Millions method. Dr. Harmon shares her powerful story of overcoming adversity, from being born to drug-addicted parents to becoming a successful entrepreneur and wealth-building expert.

The main focus of this conversation is on the importance of mindset in achieving financial success. Dr. Harmon emphasizes that true wealth comes from aligning your subconscious beliefs with your conscious goals, and she provides insights on how to challenge limiting beliefs and break negative patterns.

Throughout the episode, Krisstina and Dr. Harmon discuss topics such as the role of faith in business, the power of goal-setting, and the importance of investing in personal development. They also touch on the challenges of entrepreneurship and how to maintain confidence in the face of criticism.

If you're ready to transform your relationship with money and unlock your potential for wealth, this episode is a must-listen. Tune in to hear Dr. Darnyelle J. Harmon's inspiring story and gain valuable insights on how to move to millions.

5:05 From bankruptcy to millionaire in one year

10:39 The importance of mindset in achieving success

16:35 Mary Kay journey and earning the pink Cadillac

22:12 Keys to rapid success in Mary Kay

30:38 Alignment and embodiment over effort for success

35:06 Challenging beliefs and breaking limiting patterns

39:25 Dealing with criticism and maintaining confidence

Mary Kay Cosmetics - https://www.marykay.com/

Move to Millions Gifts -  https://movetomillionsgifts.com

Website - https://wealthywellthy.life/

Instagram - https://www.instagram.com/krisstinawise

YouTube - https://www.youtube.com/@krisstinawise

Krisstina's Book, Falling For Money - https://www.amazon.com/dp/0692560904/

Thank you.

Watch & Subscribe on YouTube

Are you struggling to build wealth despite earning a good income?

In this episode of Wealthy Wellthy podcast, we dive deep into the often misunderstood world of money mindset and financial literacy. We explore the three-legged stool of money: mindset, relationship, and literacy. I share my personal journey from financial struggles to building wealth, and how these experiences shaped my approach to money

The main focus of this episode is debunking common money myths and introducing the three-legged stool of money: mindset, relationship, and literacy. Krisstina emphasizes that financial freedom isn't just about earning more, but about understanding and managing money effectively.

Additional topics covered include overcoming money trauma, the importance of couple alignment in finances, and practical strategies for building generational wealth. Krisstina also discusses the balance between health, relationships, and money in creating a fulfilling life.

Ready to transform your relationship with money and achieve true financial freedom? Listen to this episode for actionable insights and a fresh perspective on wealth-building that goes beyond just making more money.

WW Live Event Website - https://krisstina.com/live

5:55 Three pillars of the money stool explained

18:25 Freedom is the ultimate goal, not money

25:55 Three master categories of money: earn, spend, invest

41:35 Balancing family, business, and wealth building

50:20 Money journey has ups and downs, not linear

The Psychology of Money by Morgan Housel - https://www.amazon.com/Psychology-Money-Timeless-lessons-happiness/dp/0857197681

The Greatest Salesman in the World by Og Mandino - https://www.amazon.com/Greatest-Salesman-World-Og-Mandino/dp/055327757X

Website - https://wealthywellthy.life/

Instagram - https://www.instagram.com/krisstinawise

YouTube - https://www.youtube.com/@krisstinawise

Krisstina's Book, Falling For Money - https://www.amazon.com/dp/0692560904/

Thank you.

Watch & Subscribe on YouTube

Are you struggling to raise financially savvy kids in a world of instant gratification and digital distractions?

Scott Donnell, a renowned expert in family legacy and financial literacy, joins the Wealthy Wellthy podcast to share his insights on combating the four major forces threatening modern families. As the founder of Fig and Eagle, Scott has helped millions of families build stronger connections and instill crucial life skills in their children.

In this eye-opening episode, Scott reveals the strategies used by the world's most successful families to create lasting legacies. He discusses the importance of delayed gratification, building courage in children, and fostering a healthy relationship with money. Scott also emphasizes the critical role of storytelling in passing down family values and creating a strong sense of identity.

Listeners will gain practical advice on implementing family meetings, teaching money skills, and navigating the challenges of parenting in the age of AI. Scott also touches on the concept of "heritage, not inheritance" and explains why it's never too late to start building a strong family legacy.

Ready to transform your family's relationship with money and create a lasting legacy? Tune in to this episode of Wealthy Wellthy podcast with Krisstina Wise and discover the secrets to raising resilient, financially savvy children in today's rapidly changing world.

6:41 The importance of family legacy

18:46 Dopamine distortion and screen addiction

26:36 Instant gratification and its effects

46:21 AI revolution and information overload

1:04:33 Doing more with kids, not for them

WW Live Event Website - https://krisstina.com/live

Website - https://wealthywellthy.life/

Instagram - https://www.instagram.com/krisstinawise

YouTube - https://www.youtube.com/@krisstinawise

Krisstina's Book, Falling For Money - https://www.amazon.com/dp/0692560904/

Thank you.

Watch & Subscribe on YouTube

Are you struggling to build wealth despite a high income? Discover why your relationship with money might be holding you back.

In this episode of Wealthy Wellthy podcast, host Laura Alamery and Liz Klingseisen welcomes Krisstina Wise, a successful real estate investor and money expert, shared her journey from financial struggles to mastering wealth creation.

The main focus of this episode is understanding the crucial difference between income and wealth. Krisstina explained how high earners can still find themselves trapped in a month-to-month financial cycle, and reveals the mindset shifts necessary to build true wealth.

Throughout the conversation, Krisstina delve into her five categories for mastering money, including developing a positive money mindset and cultivating a healthy relationship with finances. She also touches on the importance of financial literacy and how it relates to successful real estate investing.

Ready to transform your financial future? Listen now to gain invaluable insights on breaking free from limiting money beliefs and learn how to leverage real estate investing to create lasting wealth.

5:50 From high income to financial despair

11:07 The journey from duplex to portfolio

15:25 Five categories for mastering money

24:31 Overcoming limiting beliefs about money

31:00 Financial IQ quiz to assess literacy

Real Estate Investing Women Podcast - https://realestateinvestingwomen.com/

Website - https://wealthywellthy.life/

Instagram - https://www.instagram.com/krisstinawise

YouTube - https://www.youtube.com/@krisstinawise

Krisstina's Book, Falling For Money - https://www.amazon.com/dp/0692560904/

Thank you.

Watch & Subscribe on YouTube

Ever wonder how to turn your network into your net worth? I've discovered the secret to building lasting relationships that can transform your business and life.

In this episode of Wealthy Wellthy, Krisstina welcomes Zvi Band, a successful entrepreneur and founder of Contactually, a CRM company that had a multi-million dollar exit. Zvi shares his journey from software engineer to relationship-building expert, offering invaluable insights on networking in the digital age.

The main focus of this conversation is the power of authentic relationships in business and personal success. Zvi emphasizes the importance of moving beyond transactional interactions to build genuine, long-lasting connections that can yield dividends for decades.

Additionally, Zvi discusses his experience with selling his company, the unexpected challenges of a successful exit, and his new venture, Relatable. He also touches on the mindset shifts necessary for entrepreneurs to find fulfillment beyond financial success.

If you're looking to elevate your networking game and build a network that truly impacts your net worth, this episode is a must-listen. Tune in to discover how to create meaningful relationships that can transform your business and life.

5:44 Relationships matter more in digital age

16:37 From Contactually exit to new venture

27:17 Shifting from unicorn dreams to meaningful work

34:33 Setting personal goalposts, not society's

42:04 Building long-term relationships for success

The Psychology of Money by Morgan Housel - https://www.amazon.com/Psychology-Money-Timeless-lessons-happiness/dp/0857197681

Website - https://wealthywellthy.life/

Instagram - https://www.instagram.com/krisstinawise

YouTube - https://www.youtube.com/@krisstinawise

Krisstina's Book, Falling For Money - https://www.amazon.com/dp/0692560904/

Thank you.

Watch & Subscribe on YouTube

Are you struggling to balance your financial success with your physical well-being? I've been there, and I know how challenging it can be.

In this episode of Wealthy Wellthy, we shared the journey from financial success to a health crisis and back again. As a real estate mogul, millionaire coach, and creator of multimillion-dollar businesses, Krisstina reveals how she discovered the crucial link between health and wealth after nearly losing her life in 2013.

We delves into the importance of self-love and prioritizing health as the foundation for true wealth. She explains how our childhood experiences shape our relationship with money and offers insights on overcoming financial fears and misconceptions.

The conversation also touches on the need for financial awareness, the value of understanding your "enough" number, and the importance of maintaining healthy habits in both finance and wellness. Krisstina shares her Wise Money Method quiz, designed to help listeners assess their financial IQ and take steps towards financial wellness.

Ready to transform your approach to health and wealth? Listen now to gain valuable insights from someone who's mastered both worlds and learn how you can achieve true balance in your life.

2:49 Deathbed discovery: Awareness and balance

5:04 Chasing external rewards vs internal gratification

10:32 Health and wealth are interconnected

16:36 Prioritizing self-care and body appreciation

24:10 Financial IQ quiz reveals low average scores

26:30 Determining "how much money is enough"

Wise Money Method Quiz - https://wisemoneymethod.com/quiz/

Falling for Money: How to Have a Lifetime Love Affair with your Finances - https://www.amazon.com/Falling-Money-Lifetime-Affair-Finances/dp/0692560904

Website - https://wealthywellthy.life/

Instagram - https://www.instagram.com/krisstinawise

YouTube - https://www.youtube.com/@krisstinawise

Krisstina's Book, Falling For Money - https://www.amazon.com/dp/0692560904/

Thank you.