Most of us are average.  It’s just a statement of fact. In this episode, Dave is going to discuss what being in the middle looks like - financially speaking, and then shares suggestions that you can implement into your life to be better than average. Being average in America is all too common. We quickly spend as much as we make, and lifestyle inflation creeps in when we do end up making more money. The point of this podcast and our hope for you is to become better than average. Here, Dave discusses the 10 key things that hold people back and which keep them stuck in average. As with ever ..read more

Today, Dave will share 10 ways to save an extra $400 a month.  Sounds impossible?  Well, listen in and learn how you can do it too! Now these 10 things that are shared should be taken as a whole. In other words, if you apply several of these ideas, you can get to the savings goal you want to reach.  Most are little things that when taken as a whole will allow you to win... And, there’s even a couple that if you apply it you can save even much more than the $400 monthly. So let’s get started! Questions for Review: After listening to the episode, does saving $400 a month sound d ..read more

What is a 1031 Exchange Anyway? Today Dave is going to share what I consider the 2nd best gift the US government has given us to win with money. It’s a bit more complicated than other methods of winning with money that I’ve discussed prior, however, it’s such a good one, Dave will explain what it is and how it can help you keep more of your money!  Now that’s worth listening to right? I don’t know of anyone who wants to pay more in taxes than they have to. The 1031 exchange is an incredible way to defer your taxes, and in some cases never pay taxes on your appreciation of the assets that ..read more

Is there such a thing as good debt? In Dave's opinion, not all debt is considered "bad" debt. Good debt is viewed as taking on debt that benefits your life. This debt is a way to create wealth by leverage… a mortgage for a house will build equity, for example.  Bad debt, on the other hand, does just the opposite. It’s a burden, a weight on your shoulders, and unlike most home purchases, bad debt almost always goes down in value over time. Good debt is a type of debt that can potentially provide long-term financial gains and enhance your overall financial situation. It typically involves b ..read more

Over one-third of adults in the United States reported that they would not be able to cover a $400 emergency expense without borrowing money or selling assets (Federal Reserve Survey). This suggests that as people's incomes rise, they often tend to increase their spending on non-essential items and experiences, leaving them financially vulnerable in the face of unexpected financial challenges. In this episode, Dave will be sharing some examples and, more importantly, how to NOT get caught up in lifestyle inflation. Lifestyle inflation, also known as "lifestyle creep" is a phenomenon where an i ..read more

Sadly, just this week, Charlie Munger passed away. He almost made it to 100! In this Podcast, Dave shares 8 practical tips from the famed investor Charlie Munger. Munger was both straightforward and brilliant at the same time. We can ALL learn a thing or two about money from this wise man. Even though Munger had reached billionaire status and was a longtime friend and coworker of Warren Buffet, Munger still maintained a frugal, down-to-earth lifestyle. Listen in as you will learn a lot from Munger in this exciting episode. Questions for Review: What of the 8 ways to win with money did you fin ..read more

The average American spends 10 minutes or less per day reading! Even more, 27% of adults in the US didn’t read a book in 2018. As you can see reading has become a low priority for many Americans - I hope you’re not one of them!  Today, Dave is going to share 5 books that he hopes will excite you about personal finance. When Dave was beginning his financial journey he read hardbound books. Today there are many other ways to expand your knowledge - from books of course, but also by listening to podcasts, online courses, lectures, and college classes.   Learning about personal finance i ..read more

Only 1 in 10 lower-income workers between the ages of 51 and 64 have ANY money saved for retirement! That means 9 out of 10 lower-income workers have nothing to show for all their hard work. Think about that for a minute. This is an incredible statistic that we want to avoid at all costs. On today's podcast, Dave shares 5 common money fails, plus 5 ways you can think differently to WIN with money!   Dave is going to share the top reasons why some people have zero money saved for retirement and, of course, how you can reverse that. Remember, saving money for retirement is like planting se ..read more

The Bible has a lot to say about money. More than half of Jesus' parables have to do with money and possessions. If you are a Christian, it certainly is not something to be taken lightly. If you aren't a Christian, then perhaps these verses don't have as much meaning or significance to you. That said, whether you believe them or not, these 5 verses provide timeless, practical advice for anyone to win with money. Listen in as Dave provides 5 more bible verses on how you can succeed financially and in life. After listening, if there is a verse that makes sense to you, write it down, memorize it ..read more

What does it mean to have a satisfied mind? In this episode, Dave is going to share how having balance or, you could say having ‘A Satisfied Mind’ can make all the difference in your journey financially speaking. Dave shares how your passions, relationships, and personal growth all contribute to living a good life. Remember, the pursuit of wealth should never come at the expense of your mental and emotional well-being or the things that truly matter to you. Join us on the episode, as we explore the key principles and practices that can help you achieve both financial well-being and a satisfyin ..read more