286. From W2 to Financial Freedom with Daniel Kong

Average Joe Finances

Player FM - Internet Radio Done Right

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المحتوى المقدم من Mike Cavaggioni. يتم تحميل جميع محتويات البودكاست بما في ذلك الحلقات والرسومات وأوصاف البودكاست وتقديمها مباشرة بواسطة Mike Cavaggioni أو شريك منصة البودكاست الخاص بهم. إذا كنت تعتقد أن شخصًا ما يستخدم عملك المحمي بحقوق الطبع والنشر دون إذنك، فيمكنك اتباع العملية الموضحة هنا https://ar.player.fm/legal.

<div class="span index">1</div> <span><a class="" data-remote="true" data-type="html" href="/series/this-is-womans-work-with-nicole-kalil">This Is Woman's Work with Nicole Kalil</a></span>

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This Is Woman's Work with Nicole Kalil

إلغاء الاشتراك

منذ يومينمنذ 2d ago

إلغاء الاشتراك

أسبوعيا+

Together, we're redefining what it means, looks and feels like, to be doing "woman's work" in the world today. With confidence and the occasional rant. From boardrooms to studios, kitchens to coding dens, we explore the multifaceted experiences of today's woman, confirming that the new definition of "woman's work" is whatever feels authentic, true, and right for you. We're shedding expectations, setting aside the "shoulds", giving our finger to the "supposed tos". We're torching the old playbook and writing our own rules. Who runs the world? You decide. Learn more at nicolekalil.com

منذ عام واحد 37:05

MP3•منزل الحلقة

Send us a text

Join us on Average Joe Finances as our guest Daniel Kong, a former software developer turned real estate investor, shares his journey from working 20 years in a W2 job to achieving financial freedom through real estate investing, specifically using the BRRR strategy. He discusses the transition from passive income to active income, the importance of networking, and how to effectively manage and buy back time. Daniel also delves into the importance of taking immediate action on learned knowledge and offers insights into his current focus on active business and construction projects.
In this episode:

Learn how decisive action and adaptability are key to transforming career paths and achieving financial freedom.
Understand the balance between active and passive income to optimize growth and long-term stability.
Realize the importance of leveraging time through strategic outsourcing and effective time management.
Discover the power of networking and mentorship in unlocking new opportunities and strengthening vision.
And so much more!

Key Moments:

00:56 Guest Introduction: Daniel Kong

01:49 Daniel's Journey into Real Estate

03:10 First Steps in Real Estate Investing

05:21 Building a Real Estate Portfolio

06:19 Active vs Passive Income Strategies

09:15 Ground-Up Construction Projects

10:54 Investor Relations and Fund Management

16:05 Balancing Business and Social Media

17:46 The Importance of Time in Building Passive Income

19:19 Strategies for Buying Back Time

20:12 Balancing Business and Personal Life

21:30 Outsourcing and Delegating Tasks

23:33 Making the Most of Free Time

28:51 Final Round: Personal Finance and Business Insights

33:27 Closing Thoughts and Final Advice
Find Daniel Kong on:

Websites:

https://www.sunsetcapitalinvestments.com/

https://www.danielkong808.com/

Facebook: https://www.facebook.com/danielkong808

Instagram: https://www.instagram.com/danielkong808

Tiktok: https://www.tiktok.com/@danielkong808

Youtube: https://www.youtube.com/@danielkong808
Average Joe Finances®

All of our social media links and more: https://averagejoefinances.com/links

About Mike: https://mikecavaggioni.com

About Tawnya: https://www.themoneylifecoach.com/

Show Notes add-on continued here: https://averagejoefinances.com/show-notes/

*DISCLAIMER* https://averagejoefinances.com/disclaimer

See our full episode transcripts here: https://podcast.averagejoefinances.com/episodes

Support the show

290 حلقات

#Trading #Business #Mike Cavaggioni #Financial Education #Financial Literacy #Real Estate #Real Estate Investing #Multifamily Investing #Investing #Crypto #Small Business #Budget #Entrepreneur #Finance #Personal Finances #Hustle

286. From W2 to Financial Freedom with Daniel Kong

Average Joe Finances

published منذ عام واحد

MP3•منزل الحلقة

Send us a text

Learn how decisive action and adaptability are key to transforming career paths and achieving financial freedom.
Understand the balance between active and passive income to optimize growth and long-term stability.
Realize the importance of leveraging time through strategic outsourcing and effective time management.
Discover the power of networking and mentorship in unlocking new opportunities and strengthening vision.
And so much more!

Key Moments:

00:56 Guest Introduction: Daniel Kong

01:49 Daniel's Journey into Real Estate

03:10 First Steps in Real Estate Investing

05:21 Building a Real Estate Portfolio

06:19 Active vs Passive Income Strategies

09:15 Ground-Up Construction Projects

10:54 Investor Relations and Fund Management

16:05 Balancing Business and Social Media

17:46 The Importance of Time in Building Passive Income

19:19 Strategies for Buying Back Time

20:12 Balancing Business and Personal Life

21:30 Outsourcing and Delegating Tasks

23:33 Making the Most of Free Time

28:51 Final Round: Personal Finance and Business Insights

33:27 Closing Thoughts and Final Advice
Find Daniel Kong on:

Websites:

https://www.sunsetcapitalinvestments.com/

https://www.danielkong808.com/

Facebook: https://www.facebook.com/danielkong808

Instagram: https://www.instagram.com/danielkong808

Tiktok: https://www.tiktok.com/@danielkong808

Youtube: https://www.youtube.com/@danielkong808
Average Joe Finances®

All of our social media links and more: https://averagejoefinances.com/links

About Mike: https://mikecavaggioni.com

About Tawnya: https://www.themoneylifecoach.com/

Show Notes add-on continued here: https://averagejoefinances.com/show-notes/

*DISCLAIMER* https://averagejoefinances.com/disclaimer

See our full episode transcripts here: https://podcast.averagejoefinances.com/episodes

Support the show

290 حلقات

كل الحلقات

1
289. Discovering the Storage Goldmine with Joe Downs 35:46

منذ 12 يومًا35:46

35:46

Send us a text Join us on Average Joe Finances as our guest Joe Downs, CEO of Belrose Storage Group, shares his 17-year journey in commercial real estate. Joe recounts his early career as a financial advisor, the impact of 9/11 on his career shift, and his ventures, including owning a bar and moving into real estate. Joe delves into his current focus on the self-storage industry, offering insights into market dynamics, the importance of mentorship, and the unique opportunities in storage, especially during economic cycles. In this episode: Learn how adaptability and resilience can turn career setbacks into real estate success. Discover why self-storage is an overlooked yet profitable niche in commercial real estate. Understand the importance of seeing opportunity in every deal, even beyond your initial criteria. Gain insights on why hands-on business oversight is key to long-term investment success. And so much more! Key Moments: 00:00 Introduction and Welcome 01:00 Guest Introduction: Joe Downs 01:23 Joe's Journey into Real Estate 01:39 From Financial Advisor to Real Estate 02:00 The Impact of 9/11 and Career Shift 02:56 Venturing into Real Estate 04:00 Owning a Bar: Lessons Learned 04:57 Transition to Radio and Real Estate 07:14 Discovering Self Storage 09:28 The Self Storage Business Model 13:20 Challenges and Opportunities in Storage 27:49 Advice for Aspiring Investors 31:24 Final Thoughts and Contact Information Find Joe Downs on: Website: https://www.belrosestoragegroup.com/ Instagram: https://www.instagram.com/belrosestoragegroup/ Facebook: https://www.facebook.com/belrosestoragegroup LinkedIn: https://www.linkedin.com/in/joe-downs-7990851/ Youtube: https://www.youtube.com/@belrosestoragegroup Average Joe Finances® All of our social media links and more: https://averagejoefinances.com/links About Mike: https://mikecavaggioni.com About Tawnya: https://www.themoneylifecoach.com/ Show Notes add-on continued here: https://averagejoefinances.com/show-notes/ *DISCLAIMER* https:// averagejoefinances.com/disclaimer See our full episode transcripts here: https:// podcast.averagejoefinances.com/episodes Support the show…

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288. Transformative Leadership and Business Strategies with Darius Ross 29:53

منذ 19 يومًا29:53

29:53

Send us a text Join us on Average Joe Finances as our guest Darius Ross, a seasoned entrepreneur with over 30 years of experience. Darius shares his serendipitous entry into entrepreneurship, his experiences with real estate investment, consulting for equity, and the creation of educational materials from his many business lessons. He emphasizes the importance of adaptability, the 'guerrilla mentality,' salesmanship, and constant learning. In this episode: Learn how embracing adaptability and strategic thinking can fuel entrepreneurial success. Discover why intellectual contributions often outweigh capital investments in building wealth. Understand the power of the "gorilla mentality" in navigating business challenges and competition. Gain insights on why accountability and self-reflection are crucial for personal and professional growth. And so much more! Key Moments: 00:58 Guest Introduction: Darius Ross 01:27 Darius's Entrepreneurial Journey 02:34 First Business Venture: Real Estate 04:36 Consulting and Equity 05:23 Leadership and Writing Books 07:37 Gorilla Mentality Explained 13:43 Entrepreneurial Mindset and Challenges 19:28 Final Round: Mistakes and Lessons 25:44 Closing Thoughts and Wisdom Find Darius Ross on: Website : https://www.dariusaross.com/ LinkedIn: https://www.linkedin.com/in/darius-ross-0316626/ Facebook: https://www.facebook.com/dariusaross1 X: https://x.com/dacatman Instagram: https://www.instagram.com/darreexec/ Average Joe Finances® All of our social media links and more: https://averagejoefinances.com/links About Mike: https://mikecavaggioni.com About Tawnya: https://www.themoneylifecoach.com/ Show Notes add-on continued here: https://averagejoefinances.com/show-notes/ *DISCLAIMER* https:// averagejoefinances.com/disclaimer See our full episode transcripts here: https:// podcast.averagejoefinances.com/episodes Support the show…

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287. The Income-Driven Approach to Retirement with Steve Selengut 28:44

منذ 5 weeks28:44

28:44

Send us a text Join us on Average Joe Finances as our guest Steve Selengut, a professional investment manager with over 40 years of experience and the author of 'Retirement Money Secrets’, shares his journey into investment management, emphasizing the importance of diverse income streams, market volatility, and income-focused investing. He discusses his father's influence on his understanding of income generation, his early experiences in handling investment portfolios, and his strategy for using closed-end funds to secure steady income. In this episode: Learn how income-focused investing can create financial stability in retirement, even during market fluctuations. Discover why closed-end funds offer a reliable monthly income stream and long-term wealth-building potential. Understand the power of embracing market volatility rather than fearing it, using strategic investment approaches. Gain insights into aligning your financial strategy with personal goals for a secure and stress-free retirement. And so much more! Key Moments: 00:59 Meet Steve Selingut: A Veteran Investment Manager 01:22 Steve's Early Investment Journey 03:44 Investment Strategies and Market Insights 06:45 The Importance of Income Streams 09:28 Closed-End Funds Explained 15:47 Steve's Biggest Financial Lessons 20:12 Advice for New Investors 22:42 Steve's Recommended Resources 24:41 Where to Find More About Steve Find Steve Selengut on: Website: https://theincomecoach.net/ LinkedIn: https://www.linkedin.com/in/privateinvestmentmanagement/ Youtube: https://www.youtube.com/@steveselengut Average Joe Finances® All of our social media links and more: https://averagejoefinances.com/links About Mike: https://mikecavaggioni.com About Tawnya: https://www.themoneylifecoach.com/ Show Notes add-on continued here: https://averagejoefinances.com/show-notes/ *DISCLAIMER* https:// averagejoefinances.com/disclaimer See our full episode transcripts here: https:// podcast.averagejoefinances.com/episodes Support the show…

1
286. From W2 to Financial Freedom with Daniel Kong 37:05

منذ 6 weeks37:05

37:05

Send us a text Join us on Average Joe Finances as our guest Daniel Kong, a former software developer turned real estate investor, shares his journey from working 20 years in a W2 job to achieving financial freedom through real estate investing, specifically using the BRRR strategy. He discusses the transition from passive income to active income, the importance of networking, and how to effectively manage and buy back time. Daniel also delves into the importance of taking immediate action on learned knowledge and offers insights into his current focus on active business and construction projects. In this episode: Learn how decisive action and adaptability are key to transforming career paths and achieving financial freedom. Understand the balance between active and passive income to optimize growth and long-term stability. Realize the importance of leveraging time through strategic outsourcing and effective time management. Discover the power of networking and mentorship in unlocking new opportunities and strengthening vision. And so much more! Key Moments: 00:56 Guest Introduction: Daniel Kong 01:49 Daniel's Journey into Real Estate 03:10 First Steps in Real Estate Investing 05:21 Building a Real Estate Portfolio 06:19 Active vs Passive Income Strategies 09:15 Ground-Up Construction Projects 10:54 Investor Relations and Fund Management 16:05 Balancing Business and Social Media 17:46 The Importance of Time in Building Passive Income 19:19 Strategies for Buying Back Time 20:12 Balancing Business and Personal Life 21:30 Outsourcing and Delegating Tasks 23:33 Making the Most of Free Time 28:51 Final Round: Personal Finance and Business Insights 33:27 Closing Thoughts and Final Advice Find Daniel Kong on: Websites: https://www.sunsetcapitalinvestments.com/ https://www.danielkong808.com/ Facebook: https://www.facebook.com/danielkong808 Instagram: https://www.instagram.com/danielkong808 Tiktok: https://www.tiktok.com/@danielkong808 Youtube: https://www.youtube.com/@danielkong808 Average Joe Finances® All of our social media links and more: https://averagejoefinances.com/links About Mike: https://mikecavaggioni.com About Tawnya: https://www.themoneylifecoach.com/ Show Notes add-on continued here: https://averagejoefinances.com/show-notes/ *DISCLAIMER* https:// averagejoefinances.com/disclaimer See our full episode transcripts here: https:// podcast.averagejoefinances.com/episodes Support the show…

1
285. Mastering Landlord Strategies and Market Insights with Krista Reuther 32:37

منذ 7 weeks32:37

32:37

Send us a text Join us on Average Joe Finances as our guest Krista Reuther, the Senior Education Content Manager at TurboTenant, shares her journey into the industry starting as a freelance writer and editor in college, her growth into real estate content creation, and how she assists landlords and renters in saving money through data-driven content. Krista also offers valuable resources available on TurboTenant and highlights influential figures and recommendations in the real estate domain. In this episode: Learn the importance of using data-driven content to educate landlords and tenants. Discover the value of local property management before transitioning to remote investments. Grasp the necessity of thorough tenant screening to ensure successful rental relationships. Understand the legal requirements around fair housing to maintain compliance and avoid pitfalls. And so much more! Key Moments: 00:00 Introduction and Welcome 00:56 Meet Krista Reuter: Senior Education Content Manager at TurboTenant 01:31 Krista's Journey into Real Estate and Freelance Writing 03:57 TurboTenant and Empowering Landlords 05:37 Tips for New Landlords and Tenant Screening 16:47 Navigating Emotional Support Animals and Service Animals 23:19 Final Thoughts and Resources 29:15 Closing Remarks and Call to Action Find Krista Reuther on: Website: https://www.turbotenant.com/ LinkedIn: https://www.linkedin.com/in/krista-reuther-writer/ Spotify: Kitcaster Average Joe Finances® All of our social media links and more: https://averagejoefinances.com/links About Mike: https://mikecavaggioni.com About Tawnya: https://www.themoneylifecoach.com/ Show Notes add-on continued here: https://averagejoefinances.com/show-notes/ *DISCLAIMER* https:// averagejoefinances.com/disclaimer See our full episode transcripts here: https:// podcast.averagejoefinances.com/episodes Support the show…

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284. Obliterating Excuses: A Leadership Revolution with Larry Mietus 42:48

منذ 8 weeks42:48

42:48

Send us a text Join us on Average Joe Finances as our guest Larry Mietus, the 'Chief Excuse Obliterator,' to discuss leadership, accountability, and company culture. Larry shares his journey as a business consultant and author, highlighting his approach to transforming excuses into solutions.From personal anecdotes to professional strategies, Larry provides valuable advice for leaders and entrepreneurs looking to enhance their business operations and personal growth. In this episode: Learn to identify and replace excuses with actionable solutions for transformative growth. Understand that transparency and accountability build a results-driven, empowered workplace culture. Realize the importance of continuous learning and self-education as tools for leadership and success. Discover how fostering ownership and teaching business fundamentals drive team innovation and alignment. And so much more! Key Moments: 00:57 Meet Larry Midas: The Chief Excuse Obliterator 01:28 The Journey to Becoming an Author 02:26 Excuses in Business: Identifying and Eliminating Them 04:00 Creating a Solution-Oriented Culture 04:56 Teaching Employees to Think Like Owners 05:39 The Importance of Loving Your Work 08:30 Transparency and State of the Company Meetings 10:55 The Role of Leadership in Employee Success 15:58 Observing and Improving Company Culture 17:47 The Pitfalls of Success and Complacency 21:20 Financial Literacy and Business Success 23:08 Living Below Your Means 23:29 Warren Buffett's Frugality: Lessons from a Billionaire 24:24 Understanding Business Valuation 27:01 The Art of Business Focus: Narrow vs. Broad Strategies 27:54 Biggest Financial and Business Mistakes 30:57 Tips for Aspiring Entrepreneurs 35:01 Recommended Reads 37:19 Final Words of Wisdom 39:38 Conclusion: Stay Accountable and Keep Learning Find Larry Mietus on: Website: https://speakingofstrategy.com/ LinkedIn: https://www.linkedin.com/in/larrymietusspeakingofstrategy/ X: https://x.com/larrymietus Youtube: https://www.youtube.com/@leadershiplarry9468 Average Joe Finances® All of our social media links and more: https://averagejoefinances.com/links About Mike: https://mikecavaggioni.com About Tawnya: https://www.themoneylifecoach.com/ Show Notes add-on continued here: https://averagejoefinances.com/show-notes/ *DISCLAIMER* https:// averagejoefinances.com/disclaimer See our full episode transcripts here: https:// podcast.averagejoefinances.com/episodes Support the show…

1
283. Breaking Comfort Zones: Financial Freedom and Passion with Moshe Popack 36:41

منذ 9 weeks36:41

36:41

Send us a text Join us on Average Joe Finances as our guest Moshe Popack, chairman of YMP Real Estate Management, discusses his journey from New York to Miami, his initial struggles, and how he turned to real estate after losing his job during the 2007-08 financial crisis. He also shares practical tips for getting started in real estate and emphasizes the need for continual self-improvement and clarity of vision. In this episode: Understand that adaptability and resilience are key to navigating economic challenges and thriving in uncertainty. Learn that passion and genuine interest in your work fuel long-term success and prevent burnout. Recognize the value of inclusive leadership and diverse perspectives for stronger, innovative teams. Discover the importance of starting small, taking calculated risks, and aligning with the right partners. And so much more! Key Moments: 00:00:27 Moshe Popak's Background and Family Life 00:01:15 Starting Over in Miami 00:01:53 Transition to Real Estate 00:03:04 Entrepreneurial Mindset and Challenges 00:04:01 Importance of Vision and Execution 00:04:15 Navigating the Real Estate Industry 00:05:06 Breaking Free from Comfort Zones 00:07:04 Financial Management and Resilience 00:16:18 Empowering Women in Business 00:17:58 Realizing the Need for Financial Literacy 00:18:11 Commitment to Learning and Seeking Support 00:19:07 Faith and Financial Awakening 00:19:39 The Role of Faith in Entrepreneurship 00:20:40 Overcoming Fear and Embracing Failure 00:20:57 The Importance of Non-Judgment 00:22:01 Youth and the Value of Hard Work 00:26:23 The Power of Partnerships 00:27:14 Tips for Real Estate Beginners 00:31:51 Final Thoughts and Words of Wisdom Find Moshe Popack on: Website: https://moshepopack.com/ LinkedIn: https://www.linkedin.com/in/mpopack/ Facebook: https://www.facebook.com/MoshePopack Instagram: https://instagram.com/mpopack Youtube: https://www.youtube.com/@mpopack Podcast: https://moshepopack.com/podcast/ Average Joe Finances® All of our social media links and more: https://averagejoefinances.com/links About Mike: https://mikecavaggioni.com About Tawnya: https://www.themoneylifecoach.com/ Show Notes add-on continued here: https://averagejoefinances.com/show-notes/ *DISCLAIMER* https:// averagejoefinances.com/disclaimer See our full episode transcripts here: https:// podcast.averagejoefinances.com/episodes Support the show…

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282. The Finance Forum: End-of-Year Reflections and 2025 Goals with Mike and Tawnya 26:58

منذ 11 weeks26:58

26:58

Send us a text Join us on Average Joe Finance hosts Mike Cavaggioni and Tanya discuss their reflections on 2024 and share their goals and strategies for a successful 2025. They emphasize the importance of being present, setting intentions, and reflecting on achievements and shortcomings to improve for the future. They also touch on planning for potential investments, building liquidity, and considering alternative lifestyles such as becoming an expat. The episode concludes with advice on celebrating wins and being intentional about personal and financial goals. In this episode: Discover the power of mindfulness in achieving financial and personal growth. Understand the value of compound interest in long-term wealth building. Embrace change by exploring new living environments and career paths. Reflect on your goals regularly to stay focused and intentional in your actions. And so much more! Key Moments: 00:00:19 Reflecting on 2024: Personal Growth and Challenges 00:01:19 Financial Strategies and Investment Insights 00:06:27 Exploring Expat Life and International Living 00:12:19 Setting Goals and Intentions for 2025 00:16:09 Balancing Life: Fun, Finances, and Personal Time 00:22:20 Closing Thoughts and Future Plans Average Joe Finances® All of our social media links and more: https://averagejoefinances.com/links About Mike: https://mikecavaggioni.com About Tawnya: https://www.themoneylifecoach.com/ Show Notes add-on continued here: https://averagejoefinances.com/show-notes/ *DISCLAIMER* https:// averagejoefinances.com/disclaimer See our full episode transcripts here: https:// podcast.averagejoefinances.com/episodes Support the show…

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281. Overcoming Imposter Syndrome and Embracing Innovation with Elizabeth Bieniek 33:28

منذ 12 weeks33:28

33:28

Send us a text Join us on Average Joe Finances as our guest Elizabeth Bieniek, an accomplished entrepreneur and author of “Cake on Tuesday: 25 Lessons to Unlock Corporate Innovation”, shares her unconventional career journey from studying creative writing to becoming an entrepreneur in the tech industry. She discusses the value of starting with a fresh perspective, the importance of asking 'why,' and the role of embracing and leveraging diverse teams for innovation. Elizabeth also highlights the challenges and opportunities she faced, offering practical advice on entrepreneurship and the significance of investing in oneself. In this episode: Discover the power of embracing curiosity—it opens doors to opportunities and fuels innovation. Realize that action conquers fear; momentum builds success one step at a time. Acknowledge the strength in "not knowing"; vulnerability fosters collaboration and growth. Explore the impact of small gestures—creativity and kindness elevate team morale and drive progress. And so much more! Find Elizabeth Bieniek on: Website: https://www.elizabethbieniek.com/ LinkedIn: https://www.linkedin.com/in/elizabethbieniek/ Instagram: https://www.instagram.com/cakeontuesday/ Email: connect@elizabethbieniek.com Average Joe Finances® All of our social media links and more: https://averagejoefinances.com/links About Mike: https://mikecavaggioni.com About Tawnya: https://www.themoneylifecoach.com/ Show Notes add-on continued here: https://averagejoefinances.com/show-notes/ *DISCLAIMER* https:// averagejoefinances.com/disclaimer See our full episode transcripts here: https:// podcast.averagejoefinances.com/episodes Support the show…

1
280. Overcoming Adversity to Build Unshakeable Wealth with Larisa Olteanu 48:21

منذ 13 weeks48:21

48:21

Send us a text Join us on Average Joe Finances as our guest Larisa Olteanu from Unshakable Wealth shares her inspiring story of overcoming a tumultuous childhood and severe financial hardships. Arriving in the U.S. with just $20, Larissa details her journey from learning English on the job to earning a finance degree and working with ExxonMobil. She further explains how she transitioned to founding Unshakable Wealth, with a mission to empower others, especially women, in their financial journeys. In this episode: Discover how resilience in adversity builds strength and financial responsibility. Understand how education unlocks opportunities for lasting financial independence. Learn how shifting to a growth mindset transforms challenges into opportunities. Gain insight into empowering others through financial literacy and shared knowledge. And so much more! Key Moments: 00:01:13 Introducing Guest: Larisa Olteanu from Unshakable Wealth 00:01:35 Larisa's Inspiring Journey 00:01:53 Lessons from a Challenging Childhood 00:03:41 Navigating Financial Hardships and Early Responsibilities 00:06:13 Adapting to a New Life in the U.S. 00:08:31 The Importance of Education and Personal Growth 00:11:50 Shifting Mindsets: From Victim to Victor 00:17:43 Investing in Real Estate and Personal Development 00:20:13 Challenging Beliefs About Wealth and Success 00:23:32 Transitioning to Unshakable Wealth 00:25:47 Balancing Motherhood and MBA 00:26:11 Turning Down Job Offers for a Dream 00:26:51 Understanding Personal Finance Challenges 00:28:32 Empowering Women in Finance 00:32:03 Final Round Questions 00:33:43 Practical Financial Tips and Mindset 00:37:30 Networking and Learning from the Wealthy 00:42:11 Recommended Books and Resources 00:45:41 Where to Find More Information 00:47:21 Closing Remarks and Call to Action Find Larisa Olteanu on: Website: https://www.shakeablewealth.com LinkedIn: https://www.linkedin.com/in/larisa-olteanu/ Average Joe Finances® All of our social media links and more: https://averagejoefinances.com/links About Mike: https://mikecavaggioni.com About Tawnya: https://www.themoneylifecoach.com/ Show Notes add-on continued here: https://averagejoefinances.com/show-notes/ *DISCLAIMER* https:// averagejoefinances.com/disclaimer See our full episode transcripts here: https:// podcast.averagejoefinances.com/episodes Support the show…

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279. From Business Basics to Strategic Investing with Curtis May 51:34

منذ 14 weeks51:34

51:34

Send us a text Join us on Average Joe Finances as our guest Curtis May, the host of The Practical Wealth Show Podcast and the creator and owner of Practical Wealth Advisors. Curtis has been planning for individuals for more than 35 years, and he is passionate about helping his clients save money and live the very best life they can right now. The primary focus of his financial planning firm is to help businesses and families become financially free by following the principles of wealth creation that have endured for centuries around the world. In this episode: The importance of understanding cash flow, the differences between saving and investing, and principles for wealth creation. Challenges common financial advice, such as solely relying on 401(k)s and mutual funds, and emphasizes the value of holistic planning and financial literacy. Discussing topics like debt management and proactive financial planning. Practical tips for those starting their investment journeys and the importance of continual learning in personal finance. And so much more! Key Moments: 00:44 Curtis May's Background and Journey 03:11 Financial Philosophy and Influences 05:47 Practical Financial Strategies 10:47 Cashflow Management and Budgeting 21:07 Debt Management and Financial Literacy 24:13 Debt Restructuring Insights 25:11 Understanding Constructive vs. Destructive Debt 25:45 Financial Literacy and Income Types 26:07 The Four Rules of Financial Institutions 27:44 The Importance of Skillset and Mindset 30:25 Entrepreneurial Challenges and Realities 32:20 Final Round: Financial Mistakes and Lessons 34:55 Investing Tips and Rules 36:58 Favorite Books and Resources 39:05 The Power of Financial Games 40:48 Where to Find More Information 45:21 Closing Remarks and Gratitude Find Curtis May on: Website: https://www.practicalwealth.net/ LinkedIn: https://www.linkedin.com/in/curtismay/ Average Joe Finances® All of our social media links and more: https://averagejoefinances.com/links About Mike: https://mikecavaggioni.com About Tawnya: https://www.themoneylifecoach.com/ Show Notes add-on continued here: https://averagejoefinances.com/show-notes/ *DISCLAIMER* https:// averagejoefinances.com/disclaimer See our full episode transcripts here: https:// podcast.averagejoefinances.com/episodes Support the show…

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278. Building Resilience and Planning Your Legacy with Dr. Kimberly Harms 50:40

منذ 15 weeks50:40

50:40

Send us a text Join us on Average Joe Finances as our guest Dr. Kimberly Harms shares her compelling life story, involving personal challenges, the loss of her child and husband, and how these experiences shaped her career and mission in life. She talks about the significance of being financially and emotionally prepared, and how to create a legacy that ensures your loved ones are taken care of after you are gone. In this episode: Learn to embrace resilience by transforming personal trials into opportunities for purpose and growth. Discover the importance of legacy planning that balances emotional preparation with practical organization. Understand the value of confronting mortality to create a meaningful legacy of love and foresight. Grasp the healing power of reconciliation in resolving conflicts and easing the grieving process. And so much more! Key Moments: 00:03:02 Meet Dr. Kimberly Harms 00:03:22 Dr. Harms' Life Story 00:05:15 Overcoming Personal Tragedies 00:06:39 Legacy and Resilience 00:14:08 Financial Planning and Downsizing 00:18:21 Importance of Legacy Planning 00:22:41 Facing Death and Procrastination 00:25:29 Overcoming Procrastination in Estate Planning 00:25:59 The Intimidation of the Word 'Estate' 00:27:06 The Importance of Planning While Healthy 00:27:51 Steps to Effective Estate Planning 00:28:48 Emotional Affairs and Reconciliation 00:32:50 Lessons from Rwanda on Forgiveness 00:34:17 Biggest Financial Mistakes and Scams 00:35:59 Downsizing and Letting Go of Stuff 00:39:32 Tips for Getting Started with Estate Planning 00:41:51 The Power of Trust and Giving Find Dr. Kimberly Harms on: Website: https://www.drkimberlyharms.com/ LinkedIn: https://www.linkedin.com/in/kim-harms-bb524666/ Average Joe Finances® All of our social media links and more: https://averagejoefinances.com/links About Mike: https://mikecavaggioni.com About Tawnya: https://www.themoneylifecoach.com/ Show Notes add-on continued here: https://averagejoefinances.com/show-notes/ *DISCLAIMER* https:// averagejoefinances.com/disclaimer See our full episode transcripts here: https:// podcast.averagejoefinances.com/episodes Support the show…

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277. Achieving Financial Freedom Through Multifamily with Christian Osgood 51:28

منذ 16 weeks51:28

51:28

Send us a text Join us on Average Joe Finances as our guest Christian Osgood, the owner of Multifamily Strategy, shares his journey from saving for financial freedom to acquiring over 200 rental units. He emphasizes the importance of setting clear goals, the value of building relationships in the real estate industry, and the significance of focusing on one niche area to build a successful business. In this episode: Learn how creative financing can unlock opportunities without relying on traditional savings. Discover the importance of setting clear financial goals to accelerate growth. Understand the value of sustainable strategies like cash flow and long-term debt in real estate. Master the art of relationship-building to access seller-financed deals and unique opportunities. Realize the importance of staying focused on core goals to avoid costly distractions. Embrace the balance of profitability and social impact through community-focused investments. Key Moments: 00:01:20 Christian Osgood's Journey Begins 00:02:16 Setting Goals and Overcoming Challenges 00:03:39 Meeting Cody Davis and Learning Seller Financing 00:05:36 Scaling Up and Principles of Real Estate Investment 00:08:39 Creative Financing and Building Relationships 00:15:49 Mindset Shift and Goal Setting 00:21:57 Future Goals and Coaching Insights 00:24:20 Setting Ambitious Goals 00:25:00 Passion for Low-Income Housing 00:26:53 Challenges and Successes in Real Estate 00:29:52 The Importance of Focus in Business 00:32:55 Lessons from Financial Mistakes 00:41:31 Advice for Aspiring Investors 00:43:04 Recommended Books and Resources 00:46:37 Where to Find More Information 00:48:13 Conclusion and Final Thoughts Find Christian Osgood on: Website: Multifamilystrategy.com LinkedIn: https://www.linkedin.com/in/christian-osgood-10a95b71/ Facebook: https://www.facebook.com/christian.osgood Instagram: https://www.instagram.com/christianosgood/ Youtube: https://www.youtube.com/@Multifamilystrategy Average Joe Finances® All of our social media links and more: https://averagejoefinances.com/links About Mike: https://mikecavaggioni.com About Tawnya: https://www.themoneylifecoach.com/ Show Notes add-on continued here: https://averagejoefinances.com/show-notes/ *DISCLAIMER* https:// averagejoefinances.com/disclaimer See our full episode transcripts here: https:// podcast.averagejoefinances.com/episodes Support the show…

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276. From Struggles to Financial Success with Roy Snarr 49:25

منذ 17 weeks49:25

49:25

Send us a text Join us on Average Joe Finances as our guest Roy Snarr, a successful financial services entrepreneur, shares his compelling life story, detailing his challenging journey from a middle-class background to building a thriving financial services agency specializing in asset protection, life insurance, annuities, and long-term care. Gain insights into his strategies for succeeding in business, overcoming adversity, and maintaining work-life balance. In this episode: Learning the value of hard work and resilience reveals that true success requires dedication and perseverance. Discovering the power of strategic time management shows how disciplined time use boosts productivity and creates new opportunities. Understanding the role of adaptability in business growth demonstrates the importance of embracing change to thrive in any environment. Grasping the necessity of persistence in entrepreneurship emphasizes that building a business requires time, patience, and ongoing effort. Exploring the impact of mindset on overcoming challenges highlights the role of resilience in managing setbacks with a positive outlook. Key Moments: 00:00:58 Meet Roy Snarr: From Humble Beginnings to Financial Services 00:03:28 The Turning Point: A Life-Altering Accident 00:05:01 Discovering Financial Services and Early Struggles 00:07:20 Achieving Success: The First $100K and Beyond 00:21:54 Balancing Success and Personal Life 00:23:52 Delegation and Overcoming Entrepreneurial Challenges 00:24:54 Taking Risks and Building Confidence 00:27:06 Adapting to the COVID-19 Pandemic 00:31:41 Lessons Learned and Financial Tips 00:33:55 The Final Round: Key Questions and Insights Find Roy Snarr on: Website: www.RoySnarr.com LinkedIn: https://www.linkedin.com/in/roythomassnarr/ Facebook: https://www.facebook.com/roysnarrretirementsolutions X: https://twitter.com/roytsnarr Average Joe Finances® All of our social media links and more: https://averagejoefinances.com/links About Mike: https://mikecavaggioni.com About Tawnya: https://www.themoneylifecoach.com/ Show Notes add-on continued here: https://averagejoefinances.com/show-notes/ *DISCLAIMER* https:// averagejoefinances.com/disclaimer See our full episode transcripts here: https:// podcast.averagejoefinances.com/episodes Support the show…

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275. Transforming Memories into Business with Cathi Nelson 37:37

منذ 18 weeks37:37

37:37

Send us a text Join us on Average Joe Finances as our guest Cathi Nelson, the founder of a photo organizing company, shares insights about how she built her business from scratch, helping people manage their digital and analog photo collections. She discusses the growing need for photo organizing services, the importance of community and training for small business success, and the potential of turning this into a lucrative side hustle or full-time career. In this episode: Find out how Cathi’s organization supports a global network of photo organizers, helping individuals turn memory preservation into a thriving business. Understand how advanced tech tools, like AI for facial recognition, are revolutionizing photo management and making organizing easier than ever. See how photo management has become a profitable field, offering flexible business models and support for aspiring entrepreneurs. Learn how Cathi’s dedication to storytelling has created a rewarding field, inviting others to explore careers centered around preserving cherished memories. And so much more! Key Moments: 00:01:08 The Photo Managers: An Overview 00:02:30 Starting the Photo Management Industry 00:04:29 Challenges and Solutions in Photo Management 00:06:37 The Business Side of Photo Management 00:13:24 Community and Support for Photo Managers 00:14:59 Personal Journey and Business Growth 00:19:35 Meeting a New Member 00:20:01 Understanding Customer Needs 00:20:18 Exploring Business Opportunities 00:20:40 Family Memorabilia Project 00:21:04 Technology and Photo Management 00:21:37 AI in Photo Management 00:22:26 Organizing Photos and Videos 00:23:11 Residential Organizing Conference 00:24:21 Biggest Business Mistake 00:26:46 Hiring Help and Avoiding Burnout 00:28:15 Starting a Photo Management Business 00:29:32 Favorite Business Resources 00:31:02 Final Thoughts and Advice Find Cathi Nelson on: Website: https://thephotomanagers.com/ LinkedIn: https://www.linkedin.com/in/cathinelson/ Instagram: https://www.instagram.com/thephotomanagersofficial/?hl=en Youtube: https://www.youtube.com/@thephotomanagers Facebook: https://www.facebook.com/thephotomanagers Average Joe Finances® All of our social media links and more: https://averagejoefinances.com/links About Mike: https://mikecavaggioni.com About Tawnya: https://www.themoneylifecoach.com/ Show Notes add-on continued here: https://averagejoefinances.com/show-notes/ *DISCLAIMER* https:// averagejoefinances.com/disclaimer See our full episode transcripts here: https:// podcast.averagejoefinances.com/episodes Support the show…

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