Average Joe Finances: Recent Episodes

Mike Cavaggioni

On this podcast we discuss how to create passive income from real estate, investing, side hustles and more. Our mission is to show people that financial independence is possible no matter their income level. This podcast is designed to be an educational tool to help you become financially independent. We want you to beat your debt, build your wealth, and control your future!

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Join us on Average Joe Finances as our guest Rizwan Memon, an equities and derivatives trader with 18 years of experience. Rizwan shares his journey from starting trading at 16 years old with $5,000 to becoming a seasoned trader specializing in U.S. financial markets. He discusses his strategies, including the use of complex options and shorting techniques, and offers advice to new investors. Rizwan also emphasizes the importance of transparency, diversifying investments, and maintaining a balanced approach to money and life.

In this episode:

  • Discover how starting early—even with limited knowledge—can build the foundation for long-term trading wisdom.
  • Learn why Riz pulls profits from trading to diversify into real estate, protecting himself from market swings.
  • Understand how technology has leveled the playing field, giving everyday traders access to tools once reserved for pros.
  • Take in Riz’s biggest lesson: financial success isn’t just about returns—it’s about ethics, balance, and building a life free from debt and pressure.
  • And so much more!

Key Moments:

00:41 Meet Rizwan Mein: The Equities and Derivatives Trader

01:19 Rizwan's Trading Journey: From 16 to Now

04:21 Navigating the 2008 Financial Crisis

06:49 Evolution of Trading Technology

09:37 Rizwan's Advanced Trading Strategies

15:51 Educating New Traders

19:29 Podcast Break and Sponsor Shoutout

22:44 Transparency in Trading

23:49 Challenges in the Trading Industry

24:31 Personal Financial Strategies

25:56 Leveraging Debt vs. Buying Outright

30:08 Final Round: Personal Insights

38:44 Connecting with Riz

40:23 Closing Thoughts

Find Rizwan Memon

Website: https://rizinternational.com/

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

Youtube: https://www.youtube.com/@RizInternational

X: https://x.com/rizmemontrades

Threads: https://www.threads.com/@rizinternational

Average Joe Finances®

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About Mike: https://mikecavaggioni.com

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Join us on Average Joe Finances as our guest Tim Townsend, a wealth management expert from Australia, shares his journey from growing up on a lighthouse to running a successful wealth management practice in Melbourne, managing assets worth $400-$500 million. The discussion covers the importance of financial literacy, understanding market volatility, and disciplined investing. Tim emphasizes the need for a sound financial plan, the significance of understanding inflation and real returns, and the value of investing in a diverse range of high-quality assets.

In this episode:

  • Take away how discipline—not intelligence—is the real key to long-term investing success.
  • Recognize that financial independence isn’t about retirement—it’s about choice and control.
  • Gain clarity on why diversification and consistency outperform risky, one-off bets.
  • Absorb the value of mastering emotions and inflation awareness to protect your wealth.
  • And so much more!

Key Moments:

00:41 Meet Tim Townsend: From Lighthouse to Wealth Management

01:22 Growing Up on a Remote Island

03:20 The Journey to Financial Planning

05:53 Investment Strategies and Emotional Discipline

12:38 The Importance of Financial Literacy

14:19 Educating Clients on Volatility

21:38 Real Estate and Diversification

24:39 Understanding Inflation and Investment Returns

25:12 Buzzsprout and Podcast Promotion

25:49 Edit Pods: Elevate Your Podcast

26:28 Historical Interest Rates and Inflation

29:13 Financial Planning: Steps to Take

37:10 The Final Round: Personal Insights

39:50 The Importance of Regular Savings

46:02 Where to Find More Information

Find Tim Townsend

Website: https://www.timtownsend.com.au/

LinkedIn: https://www.linkedin.com/in/tim-townsend-3114103b/

Youtube: https://www.youtube.com/@TownsendCobain

Average Joe Finances®

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About Mike: https://mikecavaggioni.com

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Join us on Average Joe Finances as our guest Tracey Lundell, a wealth advisor, shares her unconventional journey from aspiring diplomat to financial industry expert. Calling in from Canada, Tracy offers insights into her varied career, the importance of diversified income streams, and the necessity of taking that first step toward financial literacy. She emphasizes creating customized financial plans based on individual values and the significance of actionable steps in achieving long-term financial goals. Tracy also provides tips on navigating the complexities of investing and the importance of building a supportive team of advisors, mentors, and resources.

In this episode:

  • Pick up how financial flexibility can empower you to adapt and thrive through life’s unexpected turns.
  • See why diversifying both your investments and income streams is key to long-term freedom.
  • Realize that financial planning isn’t rigid—it’s a living strategy built around your values and goals.
  • Take note that the hardest step in wealth-building is simply starting—progress begins with action.
  • And so much more!

Key Moments:

Find Tracey Lundell

Website: www.seaglasswealth.com

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

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

Average Joe Finances®

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About Mike: https://mikecavaggioni.com

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Join us on Average Joe Finances as our guest Tim Dwyer,shares his 20+ years of experience in business coaching, detailing his journey from a corporate career at Telstra to running his own business coaching company. He emphasizes the importance of passion, purpose, and capability in building a successful business and introduces his innovative 'Toly Map' system for business growth. Tim also discusses the impact of AI on business landscapes and the significance of aligning with one's true passion to navigate future changes. Through various anecdotes, he sheds light on why trusting instincts and fostering a growth-oriented and passionate team are crucial for long-term success.

In this episode:

  • Gain clarity on how aligning passion with strategy can turn a business into both a purpose and a profit engine.
  • Uncover how Tim Dwyer’s Tmy Map offers a structured path to scale, sell, or sustain your business with intention.
  • Recognize the power of building culture and leadership that evolves alongside your growing team.
  • Take away timeless lessons on decision-making, self-awareness, and serving with joy in an ever-changing business world.
  • And so much more!

Key Moments:

00:41 Meet Tim Dwyer: From Corporate to Coaching

01:20 Tim's Business Journey and Coaching Philosophy

03:40 The Google Maps of Business Success

08:56 Inspiration vs. Opportunity in Business

11:15 The Importance of Passion and Capability

15:17 Building a Passionate Team

19:21 Success Story: Passion-Driven Growth

22:52 The Importance of Passion and Capability in Business

23:44 Building and Managing a Successful Team

28:27 The Role of Culture in Business Growth

29:48 Final Round: Personal Insights and Lessons Learned

33:57 Tips for Aspiring Entrepreneurs

35:34 Book Recommendations and Final Thoughts

Find Tim Dwyer

Website: https://www.timdwyer.net.au/

LinkedIn: https://www.linkedin.com/in/timdwyer11/?originalSubdomain=au

Average Joe Finances®

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About Mike: https://mikecavaggioni.com

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Join us on Average Joe Finances as our guest Robby Kuster from Green Coffee Company, discusses the company's evolution from a small startup with three farms in Colombia to a major player in the coffee industry, known for its sustainable practices and vertical integration. Robby shares his personal journey from studying economics and teaching English in Colombia to growing Green Coffee Company and pursuing an MBA. Listeners will hear about the importance of sustainability in agriculture, the benefits of vertical integration, and plans for the company to IPO in the next few years.

In this episode:

  • Uncover how one career detour led Robby Kuster from teaching English to transforming Colombia’s coffee industry.
  • Gain insight into how vertical integration drives both sustainability and profitability in agriculture.
  • Explore why recession-resistant sectors like coffee can offer stable, long-term investment potential.
  • See how innovation and impact can align through Green Coffee Company’s mission to modernize farming and empower communities.
  • And so much more!

Key Moments:

00:50 Meet Robby Kuster

01:43 Robbie's Journey with Green Coffee Company

05:08 Green Coffee Company's Growth and Sustainability

08:05 Vertical Integration and Market Expansion

12:17 Investment and Future Prospects

21:36 The Importance of Coffee

22:15 Lessons from the Wine Industry

24:12 Generational Shifts in Agriculture

27:18 Green Coffee Company's Future Plans

32:27 The Final Round: Personal Insights

40:23 Where to Find More Information

Find Robby Kuster

Website: https://www.greencoffeecompany.com/

Try GCC's Coffee Here: https://juanvaldezcafestore.com/

LinkedIn: https://www.linkedin.com/in/robby-kuster/

Average Joe Finances®

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About Mike: https://mikecavaggioni.com

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Join us on Average Joe Finances as our guest Dan Daly, who shares his remarkable journey from a janitorial union job to becoming a successful automotive dealership manager and later a real estate investor focusing on European markets. Dan talks about how he identified opportunities in the competitive real estate market by focusing on popular tourist destinations in Europe, particularly in Portugal, and leveraging lower interest rates. He also discusses launching a $50 million private equity fund aimed at providing investors with the opportunity to gain permanent residence in Portugal through the Golden Visa program.

In this episode:

  • Learn how strategic career pivots can open doors to high-potential opportunities in international real estate.
  • Discover why Portugal’s Golden Visa program offers a powerful gateway to European residency and investment growth.
  • Understand how patience, strong networks, and gut instincts can shape smarter investment decisions.
  • Grasp the value of taking early action in emerging markets to build long-term wealth and stability.
  • And so much more!

Key Moments:

00:55 Guest Introduction: Dan Daly's Background

01:42 From Blue Collar Beginnings to Automotive Success

04:39 Transition to Real Estate and European Investments

10:12 Navigating the European Real Estate Market

19:42 Golden Visa and Future Plans

24:26 Finding Passion in Real Estate

24:59 Building a Strong Network

25:24 Golden Visa Fund Insights

26:26 Lessons from the Automotive Industry

27:51 Making Smart Decisions

30:08 Final Round: Personal Reflections

33:34 Tips for Newcomers

37:11 Favorite Resources and Final Thoughts

Find Dan Daly

Website: https://aimhighnow.com/

LinkedIn: https://www.linkedin.com/in/daniel-daly1/

Average Joe Finances®

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About Mike: https://mikecavaggioni.com

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Join us on Average Joe Finances as our guest Cliff Nonnenmacher, an experienced entrepreneur and franchise consultant, shares his entrepreneurial journey, which spans various industries from raking golf balls as a child to managing multiple franchise brands. Cliff shares insights on the importance of mindset, discipline, overcoming fear, and the benefits of franchising. They also explore key market trends and strategies for successful franchise investment. Cliff’s upcoming book, 'Beyond the Brand,' is highlighted, offering deeper dives into these topics. The episode is a wealth of practical advice for aspiring entrepreneurs and those interested in franchising.

In this episode:

  • Learn why franchising is a proven business model that reduces startup risks and boosts entrepreneurial success.
  • Discover the top franchising opportunities in booming industries like pet care, senior services, and wellness.
  • Understand how overcoming fear and analysis paralysis is key to starting and growing a successful franchise business.
  • Grasp the wealth-building power of master franchising as a strategy to scale faster and achieve financial freedom.
  • And so much more!

Key Moments:

00:59 Guest Introduction: Cliff's Background

02:18 Cliff's Entrepreneurial Journey

04:08 Franchising Success and Insights

14:38 Cliff's Book: Beyond the Brand

15:58 The Future of Business and AI Disruption

17:33 Key Business Categories for the Future

23:34 The Importance of Mindset and Overcoming Fear

26:30 Appreciation and Impact

27:11 Franchisee Failures and Successes

30:28 The Role of Ego in Business

32:01 The Importance of Due Diligence

36:48 Overcoming Fear and Visualization

37:56 Final Round: Cliff's Insights

42:57 Cliff's Recommendations and Closing Thoughts

Find Cliff Nonnenmacher

Website: http://franocity.com/

LinkedIn: http://www.linkedin.com/in/cliffnonnenmacher

Facebook: http://www.facebook.com/franocity

X: http://x.com/franocity

Youtube: https://www.youtube.com/@franocity

Average Joe Finances®

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About Mike: https://mikecavaggioni.com

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Join us on Average Joe Finances as our guest Alex Filipuk shares about his journey from Belarus to becoming the founder of Ideal Siding, the largest siding franchise in the United States and Canada. Alex shares his experiences of moving across countries, starting his business from scratch in Vancouver, and scaling it to a successful franchise. They discuss the differences between typical franchises and high-ticket franchises, the importance of management and leadership for business owners, and the major challenges new franchisees face. Alex also provides valuable advice for aspiring franchise owners, including key questions to ask before starting a franchise and the importance of being prepared for change in a rapidly evolving market.

In this episode:

  • Learn how resilience and adaptability can turn global challenges into entrepreneurial opportunities.
  • Discover why strategic market research is essential when choosing where to start and grow a business.
  • Understand the keys to scaling through franchising, from operational systems to customer satisfaction.
  • Grasp the importance of strong support networks and capable teams in driving franchise success.
  • And so much more!

Key Moments:

00:00 Introduction and Welcome

00:54 Guest Introduction: Alex's Journey

01:23 Building a Business from Scratch

04:43 Franchising and Expansion

20:26 Challenges and Phases of Growth

29:10 Final Round: Insights and Advice

37:05 Closing Thoughts and Farewell

Find Alex Filipuk

Website: https://idealsiding.com/

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

Facebook: https://www.facebook.com/ideal.siding.franchising

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

Average Joe Finances®

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About Mike: https://mikecavaggioni.com

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Join us on Average Joe Finances as our guest Dr. Axel Meierhoefer shares his remarkable journey from serving in the German Air Force to becoming a successful real estate investor and mentor. He discusses his transition to the United States through an exchange program with the US Air Force, his stint in the corporate world, and his eventual dive into real estate investing. Key insights include his approach to buying out-of-state investment properties, the importance of due diligence, and the value of mentorship in real estate.

In this episode:

  • Learn how shifting from pilot to investor highlights the power of embracing new opportunities.
  • Discover why treating real estate as a business is key to long-term financial success.
  • Understand how cash flow–focused strategies help weather financial crises and market downturns.
  • Grasp the value of mentorship, mindset, and turnkey solutions in building a resilient portfolio.
  • And so much more!

Key Moments:

00:00 Introduction and Welcome

00:56 Meet Dr. Axel Meierhoefer

01:38 Dr. Hofer's Journey from Germany to the US

05:11 Discovering Real Estate Investing

18:29 Navigating the 2008 Financial Crisis

24:26 The Importance of Due Diligence in Real Estate Investing

24:46 Challenges and Realizations in Early Investments

26:12 Investing Out of State: A Strategic Approach

28:06 Discovering Turnkey Real Estate Investing

30:44 The Ideal Investor Show and Its Impact

32:46 Final Round: Insights and Reflections

43:57 Final Thoughts and Closing Remarks

Find Axel Meierhoefer

Website: https://tinyurl.com/iwg-strategy

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

Average Joe Finances®

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About Mike: https://mikecavaggioni.com

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Join us on Average Joe Finances as our guest Kevin Steuer, a seasoned investor with a passion for technical analysis and modern AI. Kevin shares his journey from early investing influenced by his grandmother, through various investment strategies, to ultimately purchasing and revamping a technical analysis website, stockta.com. The discussion delves into Kevin's disciplined approach to trading, the importance of lifelong learning, and the pitfalls of emotional decision-making in the stock market. Kevin offers insights into the tools and resources available on his site, emphasizing the need for a solid framework and informed risk-taking in trading.

In this episode:

  • Learn how data-driven tools like Stock TA empower everyday traders to compete with Wall Street.
  • Discover why discipline and sticking to your process are key to long-term trading success.
  • Understand the impact of AI and algorithms on modern equity markets and investor strategies.
  • Grasp the value of community, education, and free resources in building confident, informed traders.
  • And so much more!

Key Moments:

00:12 Kevin Steuer’s Investing Journey

01:24 Building and Rebuilding the Site

04:20 Using the Site for Trading

04:32 The Reality of Trading Against Algorithms

07:59 Trend Scores and Confluence System

14:00 Advice for New Traders

20:26 The Turning Point: A Commitment to Financial Awareness

20:39 Trading to Pay Off Student Loans

21:00 The Risks of Trusting Financial Planners

21:57 Market Reactions and Human Psychology

22:57 The Importance of Staying Informed

23:12 Navigating Political Impacts on the Market

26:59 The Final Round: Insights and Lessons Learned

27:15 Biggest Financial Mistake and Lessons Learned

31:10 Tips for New Traders

33:50 Favorite Books and Final Thoughts

35:16 Where to Find More Information

38:25 Final Thoughts and Farewell

Find Kevin Steuer

Website: https://stockta.com/

Youtube: https://www.youtube.com/@StockTA

LinkedIn: https://www.linkedin.com/in/kevin-steuer-b65aa433b/

Instagram: https://www.instagram.com/stocktacom/#

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

Discord: https://discord.com/invite/suMH9PJHWM

Average Joe Finances®

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About Mike: https://mikecavaggioni.com

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Join us on Average Joe Finances as our guest Ben Reinberg, a seasoned commercial real estate investor with over 32 years of experience, shares the story of his career, discussing the various niches within commercial real estate, with a particular focus on medical office spaces. He talks about his new book, 'Hard Assets and Hard Money for Hard Times,' which serves as a guide to building a hard asset empire. Ben delves into the importance of hard assets in creating generational wealth, the benefits of AI in real estate, and the lessons learned from the 2008 financial crisis.

In this episode:

  • Learn why hard assets like real estate and precious metals remain the cornerstone of lasting wealth.
  • Discover how adaptability in shifting markets like moving from office to medical spaces drives long-term success.
  • Understand the role of AI in streamlining real estate operations while keeping human relationships central.
  • Grasp the lessons from the 2008 financial crisis to avoid over-leverage and safeguard your investments.
  • And so much more!

Key Moments:

00:59 Meet Ben Reinberg: Commercial Real Estate Expert

02:14 The Journey to Writing 'Hard Assets and Hard Money for Hard Times'

05:33 Why Commercial Real Estate?

09:42 The Impact of AI on Commercial Real Estate

15:01 The Importance of Relationships in Real Estate

16:48 Why Hard Assets Matter

19:34 The Challenges of Building an Empire

20:15 Affordable Financial Blueprint

20:46 Weathering Economic Storms

21:52 Conservative Investment Strategies

27:31 The Importance of a Good Team

28:08 Final Round: Lessons and Tips

31:37 Where to Find More Information

32:59 Final Thoughts and Farewell

Find Ben Reinberg

Website: https://www.benreinberg.com/

Youtube: https://www.youtube.com/channel/UCN-VuewtdVrFwlOrTsNbxGA

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

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

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

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

X: https://x.com/realbenreinberg

Average Joe Finances®

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About Mike: https://mikecavaggioni.com

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Join us on Average Joe Finances as our guest Athena Brownson, a real estate professional who transitioned from a career as a professional skier, shares her incredible life story, starting from growing up in a ski-centric family in Breckenridge, Colorado, to becoming a professional skier, undergoing multiple injuries, and finally finding her calling in real estate. Athena discusses the importance of discipline, balance, listening to mentors, consistent daily activities, and intentional networking in achieving success. This episode offers valuable insights for anyone looking to excel in real estate or any entrepreneurial venture, emphasizing the role of mentorship, the art of listening, and the importance of self-care.

In this episode:

  • Learn how persistence and mentorship can transform setbacks into stepping stones.
  • Discover why discipline, structure, and “brilliance on the basics” drive long-term success.
  • Understand the power of intentional networking and building authentic relationships.
  • Gain insight into embracing discomfort as a catalyst for growth and resilience.
  • And so much more!

Key Moments:

00:55 Meet Athena Brownson

01:36 Athena's Early Life and Skiing Career

03:02 Lessons from Skiing to Real Estate

04:28 Overcoming Injuries and the Value of Coaching

06:11 Transition to Real Estate

15:12 The Importance of Mentorship

19:37 Intentional Networking

26:54 Building an Authentic Daily Routine

27:47 Tracking and Evolving Your Greatness Tracker

28:13 Delegation and Understanding Strengths

29:05 The Importance of Basics and Discipline

31:32 Handling Unexpected Challenges

36:30 Maintaining Consistency in Real Estate

40:09 Final Round: Personal Insights and Advice

46:45 Closing Thoughts and Contact Information

Find Athena Brownson

Website: https://athenabrownsonrealtor.com/

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

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

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

Zillow: https://www.zillow.com/profile/AthenaBrownson

Average Joe Finances®

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

About Mike: https://mikecavaggioni.com

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Join us on Average Joe Finances as our guest Colton Pace, shares his journey from growing up on a ranch in Dallas, Texas to founding Ownwell, a startup aimed at reducing home ownership costs. Colton discusses how Ownwell helps homeowners and real estate investors save on property taxes, insurance, and utility bills. He also delves into the company's unique contingency fee model, how local expertise is crucial for property tax appeals, and the importance of financial planning through detailed expense tracking. Colton shares insights from his experience working for a billionaire, highlighting the significance of analyzing each expense to maximize returns.

In this episode:

  • Learn how challenging property tax assessments and expenses can unlock hidden savings for homeowners.
  • Discover why education and awareness are key to reducing real estate ownership costs.
  • Understand how Ownwell leverages nationwide expertise to optimize property tax and utility savings.
  • Gain insights from Colton Pace on using curiosity and direct communication to uncover financial opportunities.
  • And so much more!

Key Moments:

01:13 Meet Colton Pace: From Ranch Life to Real Estate

02:27 The Mission of Unwell: Reducing Real Estate Costs

03:27 Importance for Real Estate Investors

07:07 The Eye-Opening Moment: Property Tax Savings

11:20 Utility and Insurance Savings

13:09 Biggest Savings and Success Stories

15:47 Challenges and Benefits of Using Unwell

17:32 The Importance of Time Management for Real Estate Investors

18:18 Introducing the Unwell Team and Their Expertise

19:55 Geographical Reach and Market Operations

21:37 Financial Planning and Expense Management

24:14 Final Round: Colton's Insights and Advice

30:19 Connecting with Colton and Final Thoughts

Find Colton Pace

Website: https://www.ownwell.com/

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

Average Joe Finances®

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

About Mike: https://mikecavaggioni.com

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

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Join us on Average Joe Finances as our guest George Otel, an immigrant and business owner who transitioned from owning a trucking company to founding US Business Funding, shares his journey from truck driving to real estate investing and focuses on the significance of building a strong team, understanding financing, and the opportunities in commercial real estate. He emphasizes the importance of preparation, patience, and leveraging relationships for success. George also offers insights on effective networking, the benefits of SBA loans, and provides advice for new entrepreneurs.

In this episode:

  • Discover how George Otel transitioned from trucking to thriving in commercial real estate and business financing.
  • Learn why networking and building the right team of experts (CPAs, lawyers, financiers) is essential for growth.
  • Understand the differences between residential and commercial real estate and why commercial offers higher returns with less competition.
  • Explore smart financing strategies, including leveraging SBA loans to move from renting to owning.
  • Take away hard-earned lessons on patience, planning, and the importance of hiring support early to scale faster.
  • And so much more!

Key Moments:

00:00 Introduction and Welcome

02:03 Meet George Otel: From Trucking to Real Estate

04:09 Diving into Commercial Real Estate

05:43 The Importance of a Strong Team

10:14 Financing Strategies for Business Owners

19:01 George's Real Estate Journey and Insights

21:50 The Importance of Networking in Real Estate

23:06 Building Trust and Relationships

24:09 The Necessity of Pre-Approval

25:10 The Role of Preparation and Reputation

28:51 The Value of Patience and Rational Decisions

31:01 Exploring Franchise Opportunities

32:14 Final Round: Lessons and Tips

39:50 Where to Find More Information

41:27 Conclusion and Farewell

Find George Otel

Website: www.usbizfunding.net

Facebook: https://www.facebook.com/George.Otel

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

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

Twitter: https://twitter.com/george_otel

Average Joe Finances®

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About Mike: https://mikecavaggioni.com

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Join us on Average Joe Finances as our guest Larry Kriesmer and Bernard Surovsky discuss their innovative approach to investment management. They delve into their investment strategy, which evolved from their experiences during market downturns in the late 1990s and 2008, leading to the creation of their trademark 'Synthetic Equity' and the launch of their ETF (SNTH). The discussion covers the technical aspects and advantages of using options and treasuries to manage risk while achieving high returns. The episode also features personal anecdotes, including their experience of ringing the bell at the New York Stock Exchange

In this episode:

  • Learn how Measured Risk Portfolios blend safe short-term treasuries with strategic options to balance protection and growth.
  • Discover the concept of Synthetic Equity and how it replicates equity returns while cushioning against losses.
  • Understand why mastering options can unlock powerful risk management and investment opportunities.
  • Gain insights into building bold, informed strategies that challenge traditional investing norms.
  • And so much more!

Key Moments:

00:59 Meet Larry and Bernard

01:35 Growing Up in Different Worlds

03:41 Investment Philosophy and Early Experiences

06:13 The Measured Risk Portfolio Approach

08:12 Managing Market Volatility

21:40 Synthetic Equity Explained

25:06 Risk Aversion and Investment Strategies

26:41 Introduction to Synthetic Equity and ETF

26:58 Launching the ETF and Ringing the Bell

27:55 The Experience of Ringing the Bell

33:25 Final Round: Financial Mistakes and Lessons Learned

41:32 Final Thoughts and Advice for Investors

Find Larry and Bernard

Website: https://www.measuredriskportfolios.com/

Average Joe Finances®

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About Mike: https://mikecavaggioni.com

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Join us on Average Joe Finances as our guest Mike Ivany to discuss his diverse background in law, marketing, finance, and investment. Mike Ivany shares his journey from working at Homeland Security to starting a law practice, diving into marketing, and ultimately working in finance and alternative investing. The conversation delves into the dynamics of the AI market, the future of companies like TikTok, SpaceX, and ByteDance, and how AI is reshaping investment strategies.

In this episode:

  • Learn how pre-IPO and private market investing gives accredited investors access to high-growth companies before they go public.
  • Discover why the ongoing AI talent battle reshapes technology investing and creates unique opportunities.
  • Understand the critical role of fees, liquidity constraints, and risk assessment when entering private investments.
  • Explore how platforms like Upmarket democratize alternative assets, lowering barriers for accredited investors.
  • And so much more!

Key Moments:

00:55 Guest Introduction: Mike Ivancie

01:28 Mike Ivancie’s Background and Career Journey

02:42 Transition to Marketing and Finance

03:19 Current Role and Market Trends

05:55 AI and Private Markets Discussion

11:40 Impact of AI on Investing

16:31 Introduction to Upmarket

23:08 Understanding Private Market Investments

23:47 Pre-IPO Investment Checklist

24:21 Accredited Investor Qualifications

27:12 Popular Pre-IPO Companies

29:31 Employee Liquidity in Private Companies

32:35 Final Round: Financial Wisdom

42:39 Final Thoughts and Resources

Find Mike Ivancie

Website: https://www.upmarket.co/

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

Average Joe Finances®

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

About Mike: https://mikecavaggioni.com

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Join us on Average Joe Finances as our guest Chad Ackerman about his remarkable journey from a corporate HR professional to a successful real estate syndicator and business coach. Chad shares his personal story, detailing how he transitioned from his W2 job and navigated the challenges of the real estate investment world. He discusses his initial mistakes, the importance of having clear goals, and the strategies he employed to achieve financial independence. Chad also touches on the significance of due diligence, community involvement, and overcoming imposter syndrome.

In this episode:

  • Learn how a casual workplace conversation sparked Chad Ackerman’s journey from HR professional to full-time real estate investor.
  • Discover why defining your personal “buy box” can eliminate emotional investing and clarify your financial goals.
  • Understand the power of community—how local meetups and online forums like BiggerPockets can accelerate your growth.
  • Gain insight into how coaching and mentorship can help overcome imposter syndrome and build investor confidence.
  • And so much more!

Key Moments:

00:56 Meet Chad Ackerman

01:33 Chad's Real Estate Journey Begins

03:24 First Investment Lessons

04:30 Building a Real Estate Community

05:37 Partnership with BiggerPockets

06:15 Transition to Business Coaching

10:12 Importance of Due Diligence

16:00 Defining Your Buy Box

18:18 Overcoming Imposter Syndrome

19:46 Leveraging Coaching Skills for Investment Success

20:09 Overcoming Financial Hurdles with Tribe Vest

20:51 The Importance of Accountability in Achieving Goals

21:17 Mentors vs. Coaches: Understanding the Difference

22:05 Alternative Investment Strategies and Education

24:05 Chad's Journey from HR to Business Coach

28:33 Final Round: Insights and Reflections

34:08 Closing Thoughts and Final Advice

Find Chad Ackerman

Website: https://chadackerman.focalpointcoaching.com/

Linkedin: https://www.linkedin.com/in/chad-ackerman-8089a8a/

Average Joe Finances®

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About Mike: https://mikecavaggioni.com

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Join us on Average Joe Finances as our guest Brian Truman, a seasoned professional with an intriguing career trajectory. From starting as a sports broadcaster, transitioning to a 22-year-long career in government contracting, to owning the largest business brokerage in Nashville, Brian shares his journey. He emphasizes the importance of relationships over transactions in the real estate business, discusses the thriving multifamily market in Nashville, and offers advice for newcomers looking to delve into multifamily real estate investing. Brian's insights on the significance of networking, continuous learning, and taking action in real estate investing provide valuable takeaways for both novice and experienced investors.

In this episode:

  • Discover how transitioning from business ownership to real estate can accelerate your path to financial freedom.
  • Learn why Nashville's booming, diversified economy makes it a prime location for real estate investing.
  • Understand the value of building authentic relationships over chasing short-term transactions.
  • Gain practical tips on how new investors can start small, build confidence, and scale into multifamily deals.
  • And so much more!

Key Moments:

00:54 Guest Introduction: Brian Truman's Background

01:26 Transition to Real Estate: From Broadcasting to Brokerage

01:58 Selling the Business and Moving into Real Estate

02:56 Commercial Real Estate and Business Brokerage

06:43 Multifamily Real Estate Focus

15:56 Why Nashville?

21:07 The Importance of Relationships in Real Estate

25:08 Straight Shooter Broker Insights

26:45 Multifamily Real Estate for Everyone

27:30 Getting Started in Real Estate Investing

30:13 The Importance of Due Diligence

39:12 Final Round: Personal Insights

44:15 Contact Information and Final Thoughts

Find Brian Truman:

Website: https://accelcre.com

Linkedin: https://www.linkedin.com/in/brian-truman-1164418/

Average Joe Finances®

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About Mike: https://mikecavaggioni.com

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Join us on Average Joe Finances as our guest Carlos Samaniego, discusses his transformative journey from a young EMT making financial mistakes to becoming a tax debt consultant. Carlos recounts how bad advice led him to claim excessive tax exemptions, resulting in a significant IRS debt and years of unfiled taxes. This tumultuous experience inspired him to help others navigate tax issues, ultimately leading to the founding of his company, Tax Debt Consultants. Carlos shares valuable insights on dealing with IRS debt, the importance of immediate action, and the role of tax professionals in safeguarding against compounded interests and penalties.

In this episode:

  • Learn how unresolved tax issues can snowball and why early intervention is key to minimizing damage.
  • Discover the power of representation and how a tax professional can negotiate massive debt reductions.
  • Grasp the importance of separating personal and business finances to stay organized and audit-ready.
  • Understand why ignoring IRS letters only worsens your situation and how facing them can lead to relief.
  • And so much more!

Key Moments:

01:35 Meet Carlos Samaniego: A Journey from Military to Tax Professional

02:12 The Tax Mistake That Changed Everything

04:00 The Road to Tax Debt Consultants

05:56 The Importance of Hiring a Tax Professional

10:33 Understanding Tax Problems and Resolutions

14:01 The IRS and COVID: A Collection Pause

15:32 The Consequences of Ignoring IRS Letters

19:06 Non-Filers: The IRS is Watching

23:25 Success Stories: From Massive Debt to Relief

27:32 Success Stories and Their Importance

28:23 The Offer in Compromise Program Explained

30:37 Negotiating with the IRS: Real-Life Examples

31:57 The Five-Year Probation Period

35:01 Choosing the Right Tax Professional

37:35 Final Round: Quick Fire Questions

44:55 Where to Find More Information

46:58 Closing Remarks and Thank You

Find Carlos Samaniego:

Speaker Website:https://carlossamaniego.com/

Company Website: https://www.taxdebtconsultant.com/

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

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

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

X: https://x.com/carlossamaniego

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About Mike: https://mikecavaggioni.com

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Join us on Average Joe Finances as our guest Adi Klevit, an expert in process documentation and optimization, shares her journey from industrial engineering to founding her own business. She delves into the importance of documenting business processes, offering a step-by-step guide on how to start and refine these systems. The conversation covers various aspects such as the mindset needed for process implementation, the significance of delegation, and the benefits of having well-documented procedures.

In this episode:

  • Learn how documenting processes can unlock time, freedom, and long-term business scalability.
  • Discover why starting with your biggest bottlenecks yields the highest ROI in system optimization.
  • Grasp how process mapping and clear delegation improve team accountability and consistency.
  • Understand the mindset shift needed for visionary leaders to embrace a process-driven business culture.
  • And so much more!

Key Moments:

00:59 Guest Introduction: Adi Klevit

01:31 The Importance of Process Documentation

02:45 Challenges in Process Documentation

03:26 Steps to Effective Process Documentation

06:23 Return on Investment and Freedom

11:42 Delegation and Process Mapping

16:21 Mindset for Process-Driven Leadership

17:42 Defining Standards and Processes

18:19 Mindset and Accountability in Leadership

19:07 Visionaries and Process Implementation

21:43 Coaching and Revising Processes

23:31 Starting from Scratch: Overcoming Overwhelm

24:35 The Importance of Processes in Business

26:38 Final Round: Personal Insights and Advice

29:49 Where to Find More Information

31:45 Final Thoughts and Closing Remarks

Find Adi Klevit

Website: https://bizsuccesscg.com/

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

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/

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Join us on Average Joe Finances as our guest Jon Ostenson discusses the benefits and intricacies of non-food franchise opportunities, touching on Jon's journey from the corporate world to launching Fran Bridge Consulting. Jon shares insights into why non-food franchises can be more stable and less complex compared to food franchises, along with tips for prospective franchisees on how to succeed. The conversation also dives into the tax benefits of business ownership, the importance of networking, the value of following a proven system, and the potential for scaling a franchise business.

In this episode:

  • Learn why non-food franchises often offer simpler operations, fewer staffing headaches, and higher margins.
  • Discover how semi-passive franchise ownership can help you build a business while keeping your day job.
  • Explore the strategic advantage of combining real estate investing with complementary franchise models.
  • Understand why following a proven system is the key to long-term success as a franchise owner.
  • And so much more!

Key Moments:

00:56 Guest Introduction: John Ostenson

01:35 Jon's Journey into Franchising

02:53 The Appeal of Non-Food Franchises

04:33 Franchising vs. Starting a Business

06:20 Active vs. Passive Franchise Ownership

07:47 Scaling and Success in Franchising

14:03 Real Estate and Franchising Synergies

18:18 The Importance of Networking in Business

18:38 Tax Benefits for Business Owners

19:20 Changes in Tax Codes and Their Impact

20:06 Leveraging Family in Business for Tax Advantages

20:51 The Value of Professional Tax Assistance

22:20 The Power of Masterminds and Franchise Systems

22:37 Learning from Other Franchisees

24:42 The Risks and Rewards of Business Ownership

25:24 Final Round: Reflecting on Business and Finance

27:12 Tips for Aspiring Franchise Owners

28:01 Finding the Right Franchise Fit

29:06 Recommended Books and Podcasts

30:44 How to Connect with Jon and Learn More

32:30 Final Thoughts and Encouragement

Find Jon Ostenson

Website: https://franbridgeconsulting.com/

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

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/

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Join us on Average Joe Finances as our guest Gian Pazzia an expert in tax and accounting for real estate. They discuss Gian's background, from his family's humble beginnings in Italy to his current role helping businesses and real estate owners find tax savings through cost segregation studies. Gian explains the benefits of cost segregation, how it accelerates tax deductions for property owners, and how even small real estate investors can benefit using his company's cost segregation software.

In this episode:

  • Discover how cost segregation can significantly accelerate depreciation and boost your real estate tax savings.
  • Understand why your investor classification—active or passive—matters when applying tax strategies.
  • Explore how DIY cost segregation tools are making advanced tax planning accessible for small property owners.
  • Learn why building income-generating assets is smarter than trading time for money.
  • And so much more!

Key Moments:

00:00 Introduction and Welcome

00:56 Guest Introduction: Gian Pia's Background

02:58 Journey into Structural Engineering and Tax Accounting

04:52 Understanding Cost Segregation

07:23 Benefits of Cost Segregation for Real Estate Investors

14:34 Cost Segregation Software for Small Investors

26:38 Final Round: Personal Insights and Advice

36:02 Closing Remarks and Final Thoughts

Find Gian Pazzia

Websites:

Kbkg.com

CostSegregation.com

Facebook: https://www.facebook.com/gianpiero.pazzia/

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

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

Youtube: https://www.youtube.com/@KBKGTaxIncentives

X: https://x.com/KBKG

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/

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Join us on Average Joe Finances as our guest Sarah Ecklein, a private fiduciary from the Bay Area, California. Sarah shares insights into her profession, the importance of estate planning, and her journey from aspiring hospice nurse to fiduciary. She discusses the complexities of trust administration, the significance of proactive planning, and the emotional and financial impacts of failing to prepare for end-of-life situations.

In this episode:

  • Uncover how proactive estate planning can prevent family conflict and preserve your legacy.
  • Learn why fiduciary roles go far beyond finances and often provide crucial decision-making support.
  • Discover the dangers of delaying end-of-life conversations and how they can lead to legal and emotional chaos.
  • Explore how creating an estate plan today protects your loved ones tomorrow, emotionally and financially.
  • And so much more!

Key Moments:

00:00 Introduction and Welcome

00:55 Meet Sarah Eckle: A Private Fiduciary

01:28 Sarah's Journey to Fiduciary Work

02:58 Understanding the Role of a Fiduciary

05:50 The Importance of Estate Planning

08:02 Challenges in Fiduciary Work

10:08 Proactive Planning and Legacy Building

22:03 The Importance of Updating Your Will

23:06 The Impact of Estate Planning on Families

23:54 Communicating Your Estate Plan

26:05 Handling Awkward Conversations About Estate Planning

28:11 Final Round: Personal Finance Mistakes and Lessons

33:22 Advice for Newcomers and Final Thoughts

35:36 Where to Find More Information and Conclusion

Find Sara Ecklein:

Website: https://www.trustandhonor.co/

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

Facebook: https://www.facebook.com/people/Sara-Ecklein-CLPF/100067625615341/

LinkedIn: https://www.linkedin.com/in/sara-ecklein

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/

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Join us on Average Joe Finances as our guest Doug Lynam, a former Benedictine monk turned financial advisor and author, shares his unique life story, detailing his upbringing in an affluent family with financial struggles, joining the Marine Corps, and eventually spending 20 years in a monastery where he had to navigate its financial crisis. Through this journey, Doug developed a keen interest in finance, ultimately leading to a successful career as a financial advisor. He discusses his views on effective money management and introduces his latest book 'Taming Your Money Monster,' which combines the Enneagram personality system with financial behavior analysis.

In this episode:

  • Discover how understanding your personality can expose hidden financial habits and help tame your "money monsters."
  • Explore why true service and generosity begin with achieving personal financial stability.
  • Unlock the power of aligning earning, saving, investing, and giving for long-term financial success.
  • Understand how financial literacy is rooted in continuous self-awareness and personal growth.
  • And so much more!

Key Moments:

00:00 Introduction and Guest Welcome

00:33 Doug Leham's Early Life and Family Dynamics

01:29 Journey to the Marine Corps and Monastery

02:14 Financial Awakening and Monastery Bankruptcy

04:32 Building a Financial Advisory Firm

08:06 The Enneagram and Money Monsters

11:27 The Four Pillars of Financial Success

13:36 Understanding the Enneagram Types

19:21 Transitioning Between Achiever Categories

19:48 The Value of a Good Enneagram Test

20:48 Understanding Money Relationships

22:05 Doug's Journey from Monk to Financial Advisor

23:11 The Final Round: Doug's Financial Insights

28:26 Doug's Recommended Reads

31:14 Where to Find More About Doug

32:58 Final Thoughts and Farewell

Find Douglas Lynam:

https://www.douglynam.com/

https://www.instagram.com/douglynam/

https://www.linkedin.com/in/doug-lynam/

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/

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Join us on Average Joe Finances as our guest Ken Gee, founder and managing partner of KRI Partners, shares his inspiring journey from growing up in Toledo, Ohio, working as a CPA and commercial lender, to becoming a successful real estate investor. Ken discusses his transition from a corporate job to real estate due to the desire to spend more time with his family and avoid corporate pitfalls.

In this episode:

  • Discover how a shift from CPA life to real estate investing gave Ken G. the time freedom he craved and how it can for you too.
  • Uncover the power of value-add strategies in multifamily real estate and how a simple renovation plan turned Ken's first deal into a win.
  • Explore why choosing high-growth markets like Florida using tools like U-Haul data can drive strong real estate returns.
  • Take in Ken G.’s advice on avoiding shiny object syndrome and staying laser-focused to build long-term wealth through real estate.
  • And so much more!

Key Moments:

00:00 Introduction and Welcome

00:59 Meet Ken Gee: From CPA to Real Estate Mogul

02:20 The Aha Moment: Balancing Work and Family

03:33 First Steps in Real Estate: Learning the Hard Way

10:46 Strategic Decisions: Selling and Reinvesting

12:38 Partnerships and Mentorship: Finding Your Gary

14:41 Evolving the Business: From Syndications to Funds

16:13 Why Florida? Strategic Market Choices

18:17 Analyzing Market Trends

18:47 Overcoming Barriers to First Deals

21:59 Mindset and Visualization

24:21 Biggest Business Mistakes

26:38 Advice for Real Estate Beginners

30:26 Final Thoughts and Resources

Find Ken Gee:

Website: https://www.kripartners.com/

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

Facebook: https://www.facebook.com/people/Ken-Gee-KRI/100086519510719/

YouTube: https://www.youtube.com/@KenGee_KRI

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

Twitter: https://twitter.com/i/flow/login?redirect_after_login=%2Fkengee_kri

TikTok: https://www.tiktok.com/@ken_gee_kri?lang=en

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/

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Join us on Average Joe Finances as our guest Richard Wilson, founder of the Family Office Club, shares insights on building an investor club and integrating AI tools to optimize investment processes. He details his journey into finance, starting businesses from a young age, and developing a blog that grew into a major platform for ultra-wealthy investors. Richard discusses the importance of in-person networking, focusing investments in familiar industries, and the value of advice from highly successful individuals

In this episode:

  • Discover how in-person meetings drastically improve investor trust and success—16x more likely to say "yes."
  • Uncover how Richard Wilson leverages AI to automate investor relations and streamline financial decision-making.
  • Grasp why aligning your investments with your personal expertise significantly reduces risk.
  • Absorb powerful mental models from billionaires to transform your investment strategies and mindset.
  • And so much more!

Key Moments:

00:54 Meet Richard Wilson: Founder of Family Office Club

01:33 The Power of In-Person Networking

03:43 Richard's Entrepreneurial Journey

06:35 Current Business Focus and AI Innovations

07:53 AI Tools for Investors

15:45 Family Office Club and Investor Club Details

17:56 Final Round: Mistakes and Lessons Learned

22:29 Tips for Aspiring Investors and Entrepreneurs

24:42 Recommended Books and Resources

26:18 Closing Remarks and Contact Information

Find Richard Wilson:

Website: https://familyoffices.com/

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

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

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

Youtube: https://www.youtube.com/@familyofficeclub/

X: https://x.com/RichardCWilson

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/

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Join us on Average Joe Finances as our guest Kevin Guttman, a seasoned reverse mortgage professional. Kevin shares his journey from managing his father's rental properties at a young age to entering the mortgage industry in 2004. He discusses the evolution of reverse mortgages, highlighting crucial changes made in 2015 to protect homeowners. Kevin explains the advantages of reverse mortgages for retirees, emphasizing the importance of financial education and multiple income streams

In this episode:

  • Understand how reverse mortgages can provide tax-free income and eliminate monthly payments for retirees.
  • Discover the updated regulations that make reverse mortgages safer and more accessible than ever before.
  • Gain clarity on common misconceptions and why reverse mortgages aren’t just a “last resort” option.
  • Explore how leveraging home equity strategically can fund retirement, long-term care, or new investments.
  • And so much more!

Key Moments:

00:56 Meet Kevin Guttman: Reverse Mortgage Expert

01:20 Kevin's Journey into Real Estate

02:36 The Power of Real Estate in Building Wealth

04:50 Reverse Mortgages: An Overview

07:32 Regulations and Changes in Reverse Mortgages

11:04 Client Success Stories and Impact

14:07 Unlocking Equity and Financial Freedom

17:36 Diversifying Income Streams

19:05 The Reality of Retirement

19:50 Educating the Next Generation

21:33 Options for Aging Parents

22:57 Understanding Reverse Mortgages

24:56 Lessons from Financial Mistakes

29:59 Valuable Resources and Recommendations

31:20 Final Thoughts and Farewell

Find Kevin Guttman:

Website: https://heromortgageloan.com/

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

Instagram: https://www.instagram.com/kevin.guttman

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

Youtube: https://www.youtube.com/@KevinGuttman

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/

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Join us on Average Joe Finances as our guest James Hilovsky, CEO of the Fran Dream, shares about his journey from spending over 20 years in corporate America to becoming a successful entrepreneur. James shares his experiences in the fast food and franchising industry, working with NFL players on various business ventures, and how he now helps others become entrepreneurs by guiding them through the franchise selection process. They discuss the financial and personal freedom found in entrepreneurship, the costs and funding options for starting a franchise, and the top franchise opportunities available.

In this episode:

  • Explore how franchising offers a structured path to entrepreneurship with built-in support and scalability.
  • Learn why aligning franchise opportunities with personal skills and goals is key to long-term success.
  • Discover how leveraging expert guidance can fast-track your journey from corporate life to business ownership.
  • Understand that financial and time freedom through franchising is achievable—even without prior business experience.
  • And so much more!

Key Moments:

00:00 Introduction and Guest Welcome

00:26 James’ Background and Career Journey

03:07 Transition to Entrepreneurship

04:09 Personal Finance and Entrepreneurial Insights

06:09 Franchise Costs and Getting Started

07:16 Helping Clients with Fran Dream

11:06 Top Franchise Opportunities

14:08 Personal Goals and Reflections

15:15 Final Round: Mistakes and Lessons Learned

18:27 Tips for Aspiring Entrepreneurs

20:21 Recommended Resources and Closing Remarks

Find James Hilovsky on:

Website: https://www.thefrandream.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/

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Join us on Average Joe Finances as our guest Pete Neubig, co-founder and CEO of VPM Solutions, shares his 30-year journey from an average student in high school to co-founding a company that specializes in providing virtual assistance for real estate and property management. Pete discusses critical lessons learned from his experiences in IT and real estate investment, including the challenges of managing low-income properties and starting a business.

In this episode:

  • Discover how smart financial management fuels entrepreneurial success and business growth.
  • Learn why focusing on one business venture is key to building lasting entrepreneurial success.
  • Uncover how solving real-world problems can turn challenges into thriving real estate and tech businesses.
  • Grasp how strong partnerships and aligned financial goals drive long-term success in entrepreneurship and investing.
  • And so much more!

Key Moments:

00:59 Guest Introduction: Pete Neubig

01:34 Pete's Early Career and Real Estate Journey

05:04 Building a Property Management Business

09:08 Lessons Learned and Business Growth

16:52 Personal Finance Philosophy

21:51 The Importance of a Supportive Partner

22:34 First Investment and Financial Struggles

23:06 Current Real Estate Strategy

23:42 Retirement and Cash Flow Plans

24:49 Service-Based vs. Tech Businesses

26:11 The Role of a Partner in Financial Decisions

32:27 Lessons from Financial Mistakes

36:10 Advice for Aspiring Entrepreneurs

37:30 Recommended Books and Resources

39:07 About VPM Solutions

41:40 Conclusion and Final Thoughts

Find Pete Neubig on:

Website: www.vpmsolutions.com

LinkedIn: https://www.linkedin.com/in/pete-neubig/

Facebook: https://www.facebook.com/pete.neubig.1

X: x.com/VPM_Solutions

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/

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Join us on Average Joe Finances as our guest Jay Balekar, shares his inspiring journey from growing up in India to becoming a successful real estate investor in the U.S. Jay discusses his background in cybersecurity, his early exposure to Robert Kiyosaki's 'Rich Dad, Poor Dad,' and how he transitioned into multifamily real estate. He emphasizes the importance of education, careful underwriting, having ample reserves, and the value of networking and mentorship.

In this episode:

  • Explore how strategic self-education can accelerate your entry into multifamily investing.
  • Uncover the power of networking and mentorship in scaling your real estate portfolio.
  • Absorb the value of financial discipline—avoid risky debt and build strong reserves.
  • Grasp why adapting to market shifts with operational excellence is key to long-term success.
  • And so much more!

Key Moments:

00:00 Introduction and Welcome

00:55 Guest Introduction: Jay Balekar

01:30 Jay's Early Life and Education

02:38 First Steps into Real Estate

03:49 First Multifamily Property Experience

05:18 Challenges and Lessons Learned

14:00 Networking and Growth

16:49 Market Changes and Strategies

25:57 Final Round: Key Questions

34:54 Final Thoughts and Farewell

Find Jay Balekar on:

Website: https://www.prospercapitalco.com/

Facebook: https://www.facebook.com/jaideep.balekar

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

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/

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Join us on Average Joe Finances as our guest Giang Nguyen from One River Capital, shares her inspiring story of transitioning from a biology major to real estate investing, starting with a single-family foreclosure and scaling up to a multifamily portfolio that allowed her to leave her W2 job and pursue her passion for salsa dancing. She discusses overcoming challenges, the importance of community and mentorship, and tips for new investors.

In this episode:

  • Discover the power of aligning your investments with your personal "why" for lasting motivation.
  • Absorb the importance of starting before you're ready—progress comes from doing, not waiting.
  • Grasp how community and mentorship can fast-track your growth and minimize costly mistakes.
  • Understand that calculated risks and collaboration are key to scaling your real estate portfolio.
  • And so much more!

Key Moments:

00:54 Meet Giang: From Vietnam to Multifamily Investor

01:36 Giang's Real Estate Journey Begins

02:38 Scaling Up: From Single Family to Multifamily

04:15 The Importance of Taking Action

07:04 Finding Your Why in Real Estate Investing

11:01 Overcoming Mistakes and Learning from Experience

16:10 Tips for Aspiring Real Estate Investors

18:22 Recommended Books and Resources

20:37 Connect with Giang and Final Thoughts

Find Giang Nguyen on:

Website: https://onerivercapital.com/

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

Instagam: https://www.instagram.com/thatsalsainvestor

Average Joe Finances®

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About Mike: https://mikecavaggioni.com

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

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Join us on Average Joe Finances as our guest Marcia Dawood, a seasoned angel investor, shares her journey from corporate America to discovering the world of angel investing. She explains how angel investing is accessible even for those who aren't super wealthy and discusses the importance of diversification and having a solid investment thesis. The conversation delves into different types of crowdfunding, including equity crowdfunding and debt crowdfunding, as well as the challenges and opportunities in the current investment landscape.

In this episode:

  • Discover how angel investing is more accessible than ever, with opportunities starting at just $50.
  • Learn why diversification and due diligence are key to building a strong investment portfolio.
  • Understand how to spot truly innovative startups beyond the hype of trending buzzwords.
  • Explore alternative investing approaches like debt crowdfunding for lower-risk entry points.
  • And so much more!

Key Moments:

00:55 Guest Introduction: Marcia Dawood

01:27 Marcia's Journey into Angel Investing

02:59 Understanding Angel Investing

05:07 Comparing Angel Investing to Real Estate Syndication

05:49 The Role of Funds in Angel Investing

06:54 Risks and Rewards of Angel Investing

12:36 Marcia's Book: Do Good While Doing Well

15:21 Equity Crowdfunding and Platforms

18:32 Debt Crowdfunding Explained

25:30 Podcast Milestones and Notable Guests

25:40 Democratizing Private Investing

Find Marcia Dawood on:

Website: https://www.marciadawood.com/

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

Facebook: https://www.facebook.com/marcia.dawood

Average Joe Finances®

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About Mike: https://mikecavaggioni.com

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

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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/

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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/

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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/

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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®

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About Mike: https://mikecavaggioni.com

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

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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/

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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/

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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/

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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/

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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/

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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/

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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/

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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/

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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

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

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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/

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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/

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Join us on Average Joe Finances as our guest Mark Miller, the CEO of Hilton Tax and Wealth Advisors, discusses his career and collaboration with the Hilton family, highlighting the importance of advanced tax mitigation strategies that can significantly reduce tax liabilities and enhance wealth for business owners and high-income earners. He also shared the proprietary techniques used by the Hilton Financial Network, methods for optimizing tax brackets in high-tax areas, and debunk common tax myths.

In this episode:

  • Discover the power of tax planning to cut costs and boost your wealth potential.
  • Learn smart, non-traditional strategies to reduce taxes without relocating.
  • Experience the value of expertise to shift from conventional advice to wealth-maximizing solutions.
  • Unlock wealth-building insights that balance safety with growth for lasting success.
  • And so much more!

Key Moments:

00:02:07 Meet Mark Miller: CEO of Hilton Tax and Wealth Advisors

00:02:24 Mark Miller's Journey and Expertise

00:06:20 Advanced Tax Mitigation Strategies

00:06:38 The Importance of a Formalized Tax Plan

00:07:27 Proprietary Strategies for Tax Savings

00:08:28 Client Success Stories and Minimum Requirements

00:09:01 Beyond Basic Deductions: Deep Dive into Tax Codes

00:09:50 Home Office and Accountable Spending Plans

00:10:18 Tax Mitigation for W-2 Employees

00:10:58 Living in High-Tax States: Strategies to Save

00:11:43 The Legal and Ethical Side of Tax Mitigation

00:12:25 The Role of Legislatures in Tax Codes

00:12:52 Achieving Zero Tax Bracket: Real Examples

00:14:34 Fee Structure and Client Proposals

00:15:36 Hilton Wealth: Investing Like an American Dynasty

00:16:57 Mark Miller's Personal Motivation and Background

00:23:16 The Role of CPAs and Red Flags to Watch For

00:25:18 The Importance of Trust in Financial Relationships

00:26:03 Understanding the Role of CPAs and Financial Advisors

00:27:57 Success Stories: Transforming Financial Futures

00:30:12 Addressing Common Fears in Personal Finance

00:32:53 Lessons Learned from Financial Mistakes

00:35:30 The Value of Conservative Investment Strategies

00:41:28 Getting Started with Financial Planning

00:44:00 Final Thoughts and Words of Wisdom

Find Mark Miller on:

Website: http://hiltonwealth.com

LinkedIn: https://www.linkedin.com/in/markmiller-hiltonfo/

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

YouTube: https://www.youtube.com/@hiltontaxwealthadvisors6590

Average Joe Finances®

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

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Join us on Average Joe Finances as our guest Herman Dulce Jr., the founder of Bella Sloan Enterprises, shares his remarkable journey from a social worker to a renowned financial literacy advocate. Herman also discusses leveraging credit to make impactful financial decisions, including house hacking and buying his first property. The conversation covers credit repair, business funding, and strategic relationships in real estate investments.

In this episode:

  • Discover how leveraging credit can be a powerful tool for building wealth, not just for consumer spending but for acquiring assets like real estate that generate long-term income.
  • Learn about the importance of early banking relationships and establishing credit with diverse financial institutions to expand business funding opportunities.
  • Explore how house hacking, or investing in multifamily properties, can help you transition from renter to homeowner while creating cash flow.
  • Understand the significance of surrounding yourself with successful and failed mentors to learn valuable lessons from both achievements and mistakes.
  • And so much more!

Key Moments:

00:03:19 Herman Dolce Jr.'s Background and Journey

00:05:51 Financial Literacy and Early Lessons

00:09:51 Real Estate and House Hacking Strategies

00:11:40 Building Credit and Business Funding

00:14:00 Navigating Today's Real Estate Market

00:18:40 Advice for Aspiring Investors

00:22:04 Real Estate Investment Strategies

00:24:31 The Power of Good Credit

00:25:12 Building Relationships with Banks

00:26:25 Credit Optimization Tips

00:29:12 Business Loans and Credit Cards

00:31:53 Final Round: Personal Insights

00:37:26 Closing Thoughts and Resources

Find Herman Dolce Jr. on:

Website: bellasloanenterprises.com

Instagram: http://www.instagram.com/haitian_ceo

Youtube: https://www.youtube.com/c/BellaSloanEnterprises

Email: info@bellasloanenterprises.com

Average Joe Finances®

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About Mike: https://mikecavaggioni.com

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

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Join us on Average Joe Finances as our guest Adam Goldman, a seasoned franchise consultant, shares his journey from business school into the world of franchising, revealing insights into the potential and misconceptions surrounding franchises. With over 14 years in the industry, Adam discusses his role in helping aspiring entrepreneurs find the right franchise fit, akin to being the 'Match.com of franchising.'

In this episode:

  • Explore the diverse world of franchising beyond the common myths and misconceptions.
  • Uncover how tailored franchise opportunities can align with individual strengths and goals.
  • Understand the growing role of women in franchising and the empowerment it offers.
  • Gain insights into Adam’s long-term vision of financial freedom through multiple income streams.
  • And so much more!

Key Moments:

00:00:19 Adam Goldman's Entrepreneurial Journey

00:01:54 Diving into Franchising

00:03:21 Misconceptions and Realities of Franchising

00:05:27 Financial Considerations in Franchising

00:09:21 Real Estate Ventures and Insights

00:10:42 Creating Entrepreneurs and Personal Motivations

00:15:07 Future Goals and Personal Reflections

00:19:01 Final Round: Lessons and Advice

00:24:48 Conclusion and Farewell

Find Adam Goldman on:

Website: https://www.franchisecoach.net/

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

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

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

Youtube: https://www.youtube.com/channel/UCRQCtHcOPenRfQ_0IlMY08Q

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/

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Join us on Average Joe Finances as our guest David Pere, a former Marine Corps veteran turned successful real estate investor and entrepreneur shares his journey from making typical financial decisions as a service member to achieving financial freedom and helping others do the same. He discusses the significance of community and networking, particularly through the mastermind he founded for like-minded veterans

In this episode:

  • Discover the significance of community and mentorship for success, particularly through mastermind groups like "The War Room" that offer accountability and support.
  • Understand the true meaning of financial freedom, which isn’t about never working, but having the power to choose meaningful projects.
  • Explore the challenges and misconceptions around financial success, and the effort it takes to build wealth.
  • Gain practical advice on investing in education, building networks, and taking actionable steps towards financial goals.
  • And so much more!

Key Moments:

00:02:14 David Pere's Journey: From Marine Corps to Financial Freedom

00:03:58 The Power of Real Estate and Masterminds

00:05:50 Challenges and Rewards of Financial Independence

00:07:34 The Importance of Community and Mentorship

00:13:18 Overcoming Misconceptions and Putting in the Work

00:22:17 Introduction to Financial Coaching

00:22:59 Fast-Track Your Financial Success

00:23:19 Podcast and Social Media Management

00:23:55 Back to the Episode: Business Insights

00:26:16 Real Estate Market Trends and Predictions

00:28:52 The Car Market and Investment Strategies

00:32:11 Final Round: Lessons and Advice

00:40:10 Connecting and Networking

00:42:17 Final Thoughts and Farewell

Find David Pere on:

Website: https://www.frommilitarytomillionaire.com/

Youtube: https://www.youtube.com/channel/UCQElNqStWjEBDFNVnXkh1ng

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

LinkedIn: https://www.linkedin.com/in/david-pere/

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/

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Join us on Average Joe Finances as our guest Regina McCann Hess, a certified divorce financial analyst and author of 'Superwoman Wealth: How to Become Your Own Financial Hero', shares her journey from being a critical care nurse to a financial advisor, inspired by an early interest in the stock market. In this episode:

  • Discover the value of financial literacy, especially during pivotal moments like divorce.
  • Familiarize yourself with the complexities of asset division in divorce and how professionals help clients navigate these challenges, ensuring fair financial outcomes and long-term security.
  • Learn how avoiding high-interest debt and prioritizing investments, such as retirement plans and Roth IRAs, can improve your financial health.
  • Understand the importance of continuous financial education and seeking guidance from mentors or coaches.
  • And so much more!

Key Moments:

00:03:28 Introducing Regina McCann Hess

00:03:58 Regina's Journey from Nursing to Finance

00:06:56 The Role of a Certified Divorce Financial Analyst

00:09:14 Regina's Personal Motivation

00:11:24 Empowering Women Through Financial Literacy

00:16:11 Financial Challenges and Solutions for Women

00:22:06 Understanding the Bucket Theory

00:22:44 Meet Tanya, the Money Life Coach

00:23:42 Introducing Edit Pods

00:24:22 Navigating Financial Conversations in Relationships

00:26:02 The Importance of Prenups

00:31:37 Final Round: Tough Financial Questions

00:35:33 Regina's Financial Advice and Resources

00:40:05 Closing Thoughts and Farewells

Find Regina McCann Hess on:

Websites:

https://reginamccannhess.com/

https://www.forgewealth.com/

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

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

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

Youtube: https://www.youtube.com/channel/UCgN_tcH1RrtHitajN-mlBIg

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/

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Join us on Average Joe Finances as our guest Clint Harris, shares his journey from medical sales to achieving financial independence through real estate and self-storage investments. He also shares how he built and eventually restructured his investment strategy to achieve time, financial, and location freedom.

In this episode:

  • Explore strategic real estate investments and showcase the importance of choosing the right investment vehicle for long-term success.
  • Familiarize yourself on how to scale a business by leveraging systems, partnerships, and focusing on his strengths—raising capital and building relationships.
  • Learn about the value of continuous education and surrounding yourself with experienced mentors.
  • Recognize the role of risk management in success. By managing and taking calculated risks, you can build tolerance and confidence, essential elements for succeeding in real estate and business.
  • And so much more!

Key Moments:

00:01:49 Guest Introduction: Clint Harris

00:02:19 Clint's Background and Early Career

00:03:29 Transition to Real Estate and Early Investments

00:04:51 Achieving Financial Independence

00:06:02 The Shift to Self Storage

00:15:22 Raising Capital and Building Partnerships

00:16:42 The Self Storage Business Model

00:25:11 Forced Appreciation and Syndication

00:25:59 Multifamily Syndications and Property Management

00:26:56 Transition to Self Storage and Networking Importance

00:29:54 The Power of Relationships and Networking

00:34:23 Financial Independence and Mortality

00:39:38 Final Round: Financial Mistakes and Lessons

00:44:20 Tips for Beginners and the Importance of Education

00:46:41 Podcasting as a Learning Tool

00:51:05 Final Thoughts and Closing Remarks

Find Clint Harris on:

Website: https://nomadcapital.us

LinkedIn: www.linkedin.com/in/clint-harris-543265139

YouTube: https://www.youtube.com/channel/UCe0F1abrRXQX2KpSl5qEnoA

Podcast: https://podcasts.apple.com/us/podcast/truly-passive-income/id1693667029

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/

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Join us on Average Joe Finances as our guest Freddie Rappina, a retired police officer turned wealth advisor, discusses his journey from Long Island to Virginia and now Florida, and shares insights into wealth building strategies. He emphasizes the difference between 'checkers' and 'chess' approaches to personal finance, the importance of having an evidence-based mindset, leveraging debt for wealth creation, understanding compound interest limitations, and the critical role of taxes and a robust financial team in achieving financial success.

In this episode:

  • Discover the importance of transitioning from basic financial strategies ("checkers") to more advanced tactics ("chess") in wealth management.
  • Understand how leveraging debt can be a powerful tool, but only when used judiciously.
  • Learn the significance of tailoring investment strategies to individual needs.
  • Grasp the concept of building a reliable team to support your financial journey.
  • And so much more!

Key Moments:

00:03:42 Meet Freddie Rapina: From Police Officer to Wealth Advisor

00:08:04 The Checkers vs. Chess Analogy in Finance

00:12:56 Leveraging Debt for Wealth Building

00:16:36 Real Estate Investment Strategies

00:20:27 Personal Decision: Home Ownership vs. Investment

00:21:32 Leverage and Risk in Real Estate

00:23:24 Preparing for Market Opportunities

00:25:52 Effective Marketing Strategies

00:27:38 Starting in Real Estate Investing

00:31:26 Checkers vs. Chess: Investment Strategies

00:33:54 Final Round: Lessons and Tips

00:34:55 Building Wealth Through Taxes

00:39:56 Closing Thoughts and Resources

Find Freddie Rappina on:

Websites:

https://freddierappina.com/

https://playingthewealthgame.com/

https://www.optafinancial.com/

LinkedIn: https://www.linkedin.com/in/freddie-rappina/

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/

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Join us on Average Joe Finances as our guest Weston Zimmerman, the co-founder and CEO of SynkedUp, a landscaping business management software - shares his journey from a teen working for a landscaping company in Pennsylvania to becoming the CEO of an award-winning software company. He discusses the challenges contractors face in managing operations and finances and how SynkedUp helps solve these problems with its comprehensive software solution.

In this episode:

  • Discover the importance of creating efficient systems for business management, to ensure accurate cost estimation and resource management for sustained profitability.
  • Understand the shift in mindset required to transition from employee to business owner, and how focusing on adding value to the company can drive personal and professional growth.
  • Gain insight into the significance of cash flow management
  • Explore how effective leadership, communication, and fostering a team-oriented culture can lead to a more innovative and problem-solving workforce, key to long-term business success.
  • And so much more!

Key Moments:

00:02:42 Weston's Journey into Landscaping
00:03:49 The Birth of SyncedUp
00:05:44 Challenges and Growth of SyncedUp
00:12:42 Understanding the Profit Triangle
00:15:52 Real-Time Job Costing and Feedback
00:18:35 Weston's Entrepreneurial Journey
00:22:45 Personal Journey into Financial Coaching
00:24:06 Early Career and Financial Realizations
00:25:02 Pivotal Advice from a CEO
00:26:17 Adding Value and Growing Income
00:27:30 Leadership and Problem-Solving Mindset
00:30:41 Biggest Financial Mistake
00:32:24 Learning and Growth in Business
00:36:51 Recommended Books and Resources
00:41:13 Final Thoughts and Words of Wisdom
00:44:10 Closing Remarks and Podcast Outro

Find Weston Zimmerman on:

Website: www.synkedup.com
Facebook: www.facebook.com/synkedup/
Instagram: https://www.instagram.com/synkedup/
LinkedIn: www.linkedin.com/in/weston-zimmerman-900523122/

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/

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Join us on Average Joe Finances as our guest Chad Olivier shares his extensive experience and knowledge in financial planning since 1996. Chad discusses his journey from selling tax-free bonds to founding the Olivier Group in 2002, where he now specializes in individual investments and certified exit planning for small business owners.

In this episode:

  • Grasp the significance of evolving from a specialized financial service, like selling tax-free bonds, to establishing a comprehensive financial planning firm.
  • Recognize the critical role of exit planning as an essential component of a business owner's financial strategy, ensuring maximum value extraction.
  • Comprehend the importance of maintaining a business as a separate entity from personal finances to create a sellable asset.
  • Realize the necessity of prudent debt management and the delicate balance between scaling and stabilizing a business.
  • And so much more!

Key Moments:

00:01:07 Meet Chad Olivier: Financial Planning Expert

00:02:41 Chad's Journey into Financial Services

00:03:23 The Niche of Exit Planning

00:06:55 Building a Successful Financial Firm

00:11:17 Mentorship and Continuous Learning

00:16:00 Challenges and Advice for Business Owners

00:20:15 The Evolution of Financial Planning

00:22:19 The Role of AI in Wealth Management

00:24:14 The Importance of Expert Advice

00:25:59 Building a Legacy: Strategies for Business Owners

00:28:08 The Challenges of Running a Business

00:30:03 Final Round: Lessons and Tips

00:36:14 Recommended Books and Podcasts

00:38:10 Closing Remarks and Contact Information

Find Chad Olivier on:

Website: www.oliviergroup.com

Facebook: www.facebook.com/theoliviergroup/

X: https://x.com/TheOlivierGroup

LinkedIn: www.linkedin.com/in/chad-olivier-70b29621/

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/

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Join us on Average Joe Finances as our guest David Delisle, discuss the importance of financial literacy for both kids and adults, focusing on David's journey as a 'finance nerd' from a young age and his passion for teaching financial education through his children's book, a graphic novel. He also shares the significance of understanding personal finance from early stages, the concept of 'awesome stuff' which helps identify what truly brings joy, and shifting from a scarcity mindset to an abundance mindset.

In this episode:

  • Recognize the importance of teaching kids to align their financial choices with their values.
  • Learn how to encourage parents to break this cycle by discussing money openly with their children and helping them identify what genuinely brings them joy.
  • Embrace the 'Awesome Stuff' Philosophy where this approach centers on helping both kids and adults identify their "awesome stuff"—the things that truly make them happy.
  • Understand the connection between giving and feeling financially abundant. By practicing generosity, individuals can shift their mindset from scarcity to abundance, fostering a healthier relationship with money.
  • And so much more!

Key Moments:

00:03:36 Introducing David Delisle

00:04:41 David's Background and Passion for Financial Literacy

00:06:34 The Importance of Financial Literacy for Kids

00:12:18 Living a Rich Life and Mindset Shifts

00:20:49 Quality Time and Financial Decisions

00:24:11 From Budgeting to an Abundance Mindset

00:24:36 Shifting Mindsets: From Scarcity to Abundance

00:26:14 The Power of Giving: Financial and Emotional Benefits

00:28:07 Teaching Kids About Value and Joy

00:35:10 Final Round: Financial Mistakes and Lessons

00:42:43 David's Book and Final Thoughts

Find David Delisle on:

Website: www.thefinancialphysician.com

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

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/

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Join us on Average Joe Finance hosts Mike Cavaggioni and Tanya discuss recent events, focusing on the overdramatized stock market crash in early August, investment strategies for market dips, the evolving real estate market and its challenges, and the importance of mindful financial planning. The conversation also touches on practical financial advice such as adhering to budget percentages and the necessity of having financial mentors or advisors.

In this episode:

  • Learn about the importance of understanding that market dips are often temporary and can present buying opportunities rather than reasons to panic.
  • Discover the power of long-term investment strategies, even when short-term market movements cause concern.
  • Understand the complexities of the current real estate market, including rising interest rates and insurance costs, and offers advice on how to navigate these challenges.
  • Explore the importance of financial prudence, particularly ensuring that housing expenses don't exceed 30% of income, regardless of whether you're renting or buying.
  • And so much more!

Key Moments:

00:00 Introduction and Episode Overview

00:42 Discussing the Stock Market Crash

03:58 Real Estate Market Insights

08:00 Financial Advice and Personal Experiences

14:38 The Importance of Financial Planning

24:46 Conclusion and Final Thoughts

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/

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Join us on Average Joe Finances as our guest Lou Scatigna, a seasoned financial advisor, author, and radio show host, shares his extensive experience in financial planning, discussing the importance of financial literacy, budgeting, and prudent investing. He highlights the parallels between health and financial habits, the impact of car and housing expenses on financial well-being, and explains the potential dangers of hyperinflation. In this episode:

  • Recognize the critical nature of establishing an emergency fund. Saving three to six months’ worth of living expenses to safeguard against unexpected financial crises.
  • Embrace Living Below Your Means. Advocate for a lifestyle where you spend less than you earn.
  • Appreciate the Power of Budgeting. A spending plan is crucial for maintaining control over personal finances.
  • Comprehend the Impact of Inflation and Debt, which could lead to economic challenges such as hyperinflation. Investing in hard assets like real estate and precious metals is a good option as protection against these risks.
  • And so much more!

Key Moments:

00:00:00 Post-Interview Reflections

00:03:20 Meet Lou Scatigna

00:04:09 Lou's Financial Philosophy

00:05:37 The Dangers of Debt

00:09:10 Car Buying Mistakes

00:11:11 Housing and Financial Responsibility

00:18:45 Retirement Challenges

00:21:25 Inflation and Economic Concerns

00:26:40 Personal Investment Strategies

00:27:23 Impact of Washington on Finances

00:28:08 Precious Metals as a Hedge Against Inflation

00:29:49 The Value of Silver

00:32:47 Hyperinflation and Its Consequences

00:36:17 Lessons Learned in Finance

00:39:40 The Importance of Financial Education

00:41:52 Getting Started in Finance

00:44:49 Recommended Financial Resources

00:46:35 Closing Remarks and Contact Information

Find Lou Scatigna on:

Website: www.thefinancialphysician.com

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

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/

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Join us on Average Joe Finances as our guest Jason VanDevere shares about his journey from working in a family car dealership to starting his own successful e-commerce business, 'Goal Crazy,' which includes a specialized planner and coaching programs.

In this episode:

  • Discover the power of pursuing your passion even when it means stepping away from a secure career path.
  • Understand the Importance of comprehensive goal setting, offering tools to help you assess your life, set meaningful goals, and break them down into daily actions.
  • Recognize the need for strategic financial stability as it underscores the significance of building a stable financial foundation before diving into entrepreneurship.
  • Grasp the essence of work-life balance by aligning your business goals with your life aspirations to ensure that your work contributes to your overall well-being.
  • And so much more!

Key Moments:

00:01:02 Meet Jason Vanderveer

00:01:38 Jason's Entrepreneurial Journey

00:03:07 The Birth of Goal Crazy Planners

00:06:16 Challenges and Success in E-commerce

00:12:38 The Importance of Goal Setting

00:21:23 Real Estate Ventures

00:27:12 Balancing Entrepreneurship and Family Life

00:28:01 Defining Your Ideal Lifestyle

00:28:14 Using Business as a Vehicle for Dreams

00:29:16 The Journey and Obstacles

00:29:52 Balancing Work and Life

00:31:29 Daily Dreaming and Vision Boards

00:33:23 Finding Fulfillment Beyond Success

00:38:26 The Final Round: Lessons and Tips

00:48:01 Connecting with Jason Vanderveer

Find Jason VanDevere on:

Website: https://goalcrazyplanners.com/

Instagram: https://www.instagram.com/goal.crazy/

LinkedIn: http://linkedin.com/in/jasonvandevere

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/

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Join us on Average Joe Finances as our guest Ted Thomas, a seasoned expert in tax defaulted properties and tax lien certificates, shares his journey from being an airline pilot to becoming a successful real estate investor, and how he stumbled upon the lucrative market of tax defaulted properties and tax lien certificates. In this episode:

  • Understand Tax lien certificates as an investment opportunity where you pay the overdue property taxes and earn interest on your investment. If the property owner doesn’t redeem the certificate, you could acquire the property free of liens.
  • Get to know how economic downturns, like a recession, can affect investments and the importance of adapting strategies in response to market changes.
  • Learn why it’s crucial to educate yourself thoroughly and understand the investment process to avoid costly mistake before diving into tax lien certificates and tax defaulted properties
  • Know the effective strategies for success in tax lien certificates and defaulted properties such as setting a budget, knowing your exit strategy, and avoiding emotional bidding (auction fever).
  • And so much more!

Key Moments:

00:00:52 Ted Thomas' Background and Career Journey
00:01:36 Transition to Real Estate and Early Success
00:02:19 Facing Recession and Learning About Foreclosures
00:03:06 Discovering Tax Defaulted Properties
00:04:06 Educating the Audience on Tax Defaulted Properties
00:08:43 Navigating Auctions and Real Estate Strategies
00:13:57 Importance of Education and Avoiding Mistakes
00:19:17 Success Stories and Client Testimonials
00:23:38 Profitable Property Auctions
00:24:23 Understanding Redeemable Deeds
00:25:07 Navigating State-Specific Auction Rules
00:25:56 The Importance of Learning the Business
00:26:11 Success Stories and Strategies
00:27:46 Tax Lien Certificates Explained
00:30:21 Investing with the Government
00:34:10 Final Round: Ted's Insights and Advice
00:40:44 How to Learn More and Get Started
00:43:52 Closing Thoughts and Appreciation

Ted invites you to join his comprehensive six-hour class. Use the code "JOE50" for a discount on this invaluable learning experience. This class is the perfect starting point to learn from one of the industry's best. Visit www.tedthomas.com for more details and to sign up.

Find Ted Thomas on:

Website: https://tedthomas.com/
Youtube: https://www.youtube.com/@Ted-Thomas
Tiktok: http://www.tiktok.com/@taxsalesexpert
Facebook: https://www.facebook.com/TaxAuctionTed
Instagram: https://www.instagram.com/taxlienauthority

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/

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All Business. No Boundaries. The DHL Supply Chain Podcast
Welcome to All Business. No Boundaries, a collection of supply chain stories by DHL...

Listen on: Apple Podcasts Spotify

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Join us on Average Joe Finances as our guest Brent Kesler shares his journey from being a chiropractor to becoming a financial educator who helps people build, keep, and create wealth through the Infinite Banking Concept. Brent shares his personal success story of paying off nearly a million dollars in debt and emphasizes the importance of taking action, having the right mindset, and utilizing mentors.

In this episode:

  • Discover how Infinite Banking uses a specially designed whole life insurance policy to create and build wealth by borrowing against the policy while earning interest.
  • Learn about Brent Kessler's transition from a chiropractor to a financial expert who used Infinite Banking to pay off nearly a million dollars in debt in 39 months and founded The Money Multiplier.
  • Understand how Infinite Banking can fund personal purchases, real estate investments, and business ventures.
  • Hear real-life success stories of individuals who used Infinite Banking to pay off debts, fund education, and achieve financial freedom.
  • And so much more!

Key Moments:

00:01:51 Brent's Journey to Financial Freedom

00:02:53 Discovering the Infinite Banking Concept

00:04:32 Implementing the Concept and Paying Off Debt

00:06:01 Teaching and Spreading the Concept

00:10:57 Infinite Banking in Real Estate

00:12:00 How Infinite Banking Works

00:20:21 Real-Life Examples and Success Stories

00:26:41 Understanding Self-Borrowing for Purchases

00:28:01 Success Stories and Client Experiences

00:29:01 The Importance of Paying Yourself First

00:36:10 Final Round: Personal Insights and Advice

00:47:06 Resources and Closing Remarks

Find Brent Kesler on:

Website: www.themoneymultiplier.com

Instagram: www.instagram.com/the.money.multiplier/

Youtube: www.youtube.com/@the.money.multiplier

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/

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Join us on Average Joe Finances as our guest Nicole Truszkowski shares her extensive experience in real estate, particularly in the luxury market. With over 30 years in the industry, Nicole delves into her transition from sports medicine to real estate, her methods for breaking into high-end markets, and her strategies for maintaining a thriving business. She also discusses her involvement in high-profile transactions, including sales for celebrities like Brad Pitt, and shares valuable tips for aspiring real estate agents.

In this episode:

  • Nicole emphasizes building relationships within elite social circles and providing high-touch service and expert knowledge to succeed in high-end real estate.
  • Nicole shares her diverse background in sports medicine, business administration, and club management, highlighting how these experiences equipped her with valuable skills for marketing and luxury service in real estate.
  • Discover the importance of understanding and adapting to local market nuances, using a calculated approach to study competition and align strategies when moving to a new, affluent market.
  • Learn practical advice on financial management, stressing the importance of living within one's means and smartly investing earnings to navigate market fluctuations and ensure business growth.
  • And so much more!

Key Moments:

00:01:13 Guest Introduction: Nicole Truskowski

00:01:50 Nicole's Early Career and Transition to Real Estate

00:04:18 Building a Real Estate Career in Sacramento

00:06:10 Transition to Carmel and High-End Real Estate

00:08:21 Challenges and Strategies in High-End Real Estate

00:12:54 Working with Elite Clients

00:17:10 The Realities of High-End Real Estate Transactions

00:22:37 Selling America's Sweetheart's Home

00:23:59 Transitioning to Real Estate Development

00:25:07 Building a High-End Development Team

00:26:58 Challenges in Real Estate Development

00:27:42 Diversification and Financial Strategies

00:29:56 Long-Term Vision and Team Building

00:30:42 Financial Wisdom and Investment Strategies

Find Nicole Truszkowski on:

Website: https://truszkowskifreedman.com/

Facebook: https://www.facebook.com/nicole.truszkowski/

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

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

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/

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Join us on Average Joe Finances as our guest Rachel Capil shares her journey from starting a photography business nearly 20 years ago to thriving in the real estate market. She discusses the impact of COVID-19 on her businesses, the importance of video content, and the lessons learned from her grandfather about financial literacy and investing. Rachel also delves into the significance of mindset, relationships, and having multiple income streams.

In this episode:

  • Explore Rachel’s journey from a passion for photography to a thriving entrepreneurial venture, demonstrating the power of turning a hobby into a profitable business.
  • Learn how Rachel successfully transitioned to real estate, leveraging her background in commercial property management and using video marketing and YouTube to grow her business during the pandemic.
  • Explore the importance of financial literacy and reinvesting earnings, sharing how early investments led to significant returns.
  • Explore the power of a positive mindset and faith in overcoming challenges, as Rachel shared her personal experiences.
  • Rachel provided practical advice for entrepreneurs, highlighting the need for backup income, good mentorship, and consistent saving and reinvesting.
  • And so much more!

Key Moments:

01:40 Meet Rachel Capil: Entrepreneur and Real Estate Agent

02:36 Rachel's Journey: From Photography to Real Estate

04:12 Navigating the Real Estate Market During COVID

06:20 The Power of Compounding Interest and Financial Literacy

16:07 Balancing Multiple Income Streams and Mindset

21:35 Investing Lessons and the Importance of Ethics

28:18 Intuition and Financial Advisors

28:55 Retirement Goals and Financial Planning

31:13 Materialism and Character

34:46 Financial Mistakes and Lessons Learned

41:38 Real Estate Tips and Strategies

43:37 Mindset and Financial Security

47:07 Recommended Books and Resources

51:29 Closing Thoughts and Contact Information

Find Rachel Capil on:

LinkedIn: https://www.linkedin.com/in/rachel-capil-44aa039/

Photography Accounts:

Website:

https://www.photobizacademy.com/

https://www.rachelcapilphotography.com/

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

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

Real Estate Accounts:

Website: https://rachelcapil.kw.com/

Facebook: https://facebook.com/RachelCapilRealEstate/

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

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/

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Join us on Average Joe Finances as our guest Lisa Schader discusses her background and journey towards financial independence, emphasizing the importance of financial education, especially for women. She explores strategies for investing, budgeting, and empowering individuals to take control of their financial future. Lisa also highlights her approach to making financial topics engaging and accessible through her social media platforms and challenges

In this episode:

  • Explore the importance of building a supportive financial community, emphasizing a mindset of abundance and shared success over competition.
  • Learn the value of living below your means and prioritizing investing during the first ten years of your career, a strategy that helped Lisa and her husband achieve a million-dollar net worth before their forties.
  • Empower women through financial knowledge, highlighting its necessity for preparing for unforeseen circumstances and ensuring long-term security.
  • Address common financial myths and missteps, such as cash hoarding, and promote leveraging financial technology and robo-advisors for accessible investment management.
  • And so much more!

Key Moments:

00:01:37 Special Guest: Lisa Shader from Money Fit Moms

00:03:31 Lisa's Background and Financial Journey

00:05:04 The Basics of Financial Independence

00:09:28 The Power of Early Investing

00:16:04 Empowering Women in Finance

00:22:12 Financial Confidence for Women

00:23:33 The Importance of Financial Awareness

00:26:51 Money Fit Challenge: Step-by-Step Guide

00:30:53 Navigating Financial Conversations in Relationships

00:35:13 Investing Tips and Mistakes to Avoid

Find Lisa Schader on:

Website: https://moneyfitmoms.com/

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

Twitter: https://twitter.com/moneyfitmoms

LinkedIn: https://www.linkedin.com/in/lisa-schader/

Threads: https://www.threads.net/@moneyfitmoms

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/

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In today's ever-changing financial landscape, there are few constants, but one universal truth remains: the importance of planning for retirement.

Join us on Average Joe Finances as our guest Derek Mazzarell shares his journey from graduating in 2007 and working with Aflac to becoming a financial advisor at Gateway Financial Partners. The discussion covers important retirement planning misconceptions, the significance of not just aiming for a 'magic number' but ensuring long-term sustainability, and common financial mistakes like not diversifying tax buckets.

In this episode:

  • Derek Mazzarella emphasizes adopting a dynamic spending strategy over the static 4% withdrawal rule to better adjust spending based on market performance.
  • The importance of diversification is highlighted, recommending a balanced approach across various assets to mitigate risks.
  • Planning for unexpected expenses like home repairs or healthcare emergencies is discussed as crucial to a robust retirement plan.
  • Derek advises younger investors to automate savings into different accounts and set up a "reverse budget" for steady financial growth.
  • And so much more!

Key Moments:

00:01:36 Meet Derek Mazzarella

00:01:52 Derek's Financial Journey

00:03:19 Common Retirement Misconceptions

00:08:08 Planning for Unexpected Expenses

00:10:10 Diversifying Retirement Portfolios

00:15:02 The FIRE Movement and Personal Finance

00:24:01 Balancing Life and Finances

00:26:26 Investment Strategies and Mortgage Tips

00:29:01 Changes in Personal Finance Post-COVID

00:31:51 Final Round: Personal Insights and Advice

37:57 Derek's Book and Social Security Discussion

Find Derek Mazzarella on:

Website: http://mygfpartner.com

LinkedIn Page: https://www.linkedin.com/in/derekmazzarella

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

YouTube: https://www.youtube.com/channel/UCECWcetQoE_07hoxKCaLZBg/

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/

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All Business. No Boundaries. The DHL Supply Chain Podcast
Welcome to All Business. No Boundaries, a collection of supply chain stories by DHL...

Listen on: Apple Podcasts Spotify

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Join us on Average Joe Finances as our guest Greg Rubin shares his journey from starting as a prop trader in 2007, through the financial crisis, and eventually running a capital allocation program at Axi Select. He discusses the evolution of trading, risk management, and trade psychology, emphasizing the need for proper risk management to succeed in trading.

In this episode:

  • Understand trade psychology, emphasizing successful trading is about probabilities, not timing.
  • Learn risk management and trade psychology for avoiding costly mistakes and fast-tracked learning.
  • Requisite balance between AI capabilities and human element in AI-driven businesses.
  • Axi Select's tiered system for profit sharing, incentivizing traders to climb ranks for higher funding access.
  • And so much more!

Key Moments:

00:01:00 Interview with Greg Rubin: AxiSelect Overview

00:02:17 Greg Rubin's Background and Career Journey

00:04:50 AxiSelect's Unique Trading Model

00:07:13 Benefits of AxiSelect for Traders

00:12:38 Risk Management and Quarantine Process

00:14:27 Adapting to Market Trends and AI in Trading

00:18:20 Understanding the Trading Program Structure

00:19:34 Dashboard and Performance Metrics

00:20:45 Healthy Competition and Community Interaction

00:21:09 Requirements to Access the Trading Room

00:22:08 Trading is a Marathon, Not a Sprint

00:23:01 Final Round: Personal Insights and Lessons

Find Greg Rubin on:

Website: www.axi.com

LinkedIn: www.linkedin.com/in/greg-rubin-9b85321b/?originalSubdomain=au

Facebook: www.facebook.com/axi/?_rdc=1&_rdr

Instagram: www.instagram.com/axi_official/

Twitter: www.twitter.com/axi_official

Youtube: www.youtube.com/AxiOfficialChannel

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

Life Money & More
A Podcast About Life, and Money. Hosted by Youtuber, and Real Estate Agent Sage Weiss
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Join us on Average Joe Finances as our guest Dale Wills shares his journey from humble beginnings to becoming a real estate and land development expert. He discusses the impact of high interest rates on the current housing market, strategies for new investors, and the importance of continuous learning.

In this episode:

  • Minnesota’s suitability for property development due to the presence of large firms and employment stability.
  • Minimizing debt and exploring strategies to afford homes, like cohabitating or purchasing duplexes.
  • Meticulousness and patience before entering the property market and executing detailed risk assessments.
  • The increasing number of new residential developments and the pros of selecting new houses over pre-existing ones.
  • And so much more!

Key Moments:

00:03:03 Dale Wills' Background and Journey

00:04:20 Real Estate Strategies and Insights

00:09:15 Challenges and Opportunities in Real Estate

00:14:56 Single Family vs. Multifamily Investments

00:16:18 Navigating the Current Real Estate Market

00:21:49 Regional Real Estate Market Focus

00:23:38 Understanding Investment Margins

00:24:15 The Complexity of IRR

00:25:00 Investment Opportunities and Strategies

00:28:14 Alternative Investment Options

00:33:07 Lessons from Financial Mistakes

00:35:17 The Importance of Continuous Learning

00:36:46 Advice for New Real Estate Investors

Find Dale Wills on:

Websites:

https://centracapitalpartners.com/

https://www.centrahomes.com/

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

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

David C Barnett Small Business and Deal Making M&A SMB
I discuss buying, selling, financing and managing small and medium sized businesses...
Listen on: Apple Podcasts Spotify

FranchiseU!
FranchiseU! is for those in, or considering, careers within the world of franchising.
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Join us on Average Joe Finances as our guest Gregory Mohr shares his personal journey from a high school paper route to becoming a franchise consultant, offers insights on how to get started in franchising, financing options, and the importance of being coachable. He also discusses the benefits of franchises in recession-proof industries and the significance of understanding sales to succeed in entrepreneurship.

In this episode:

  • Greg underscores the importance of using past triumphs and experiences in the franchising sphere.
  • Greg's book and concept showcase franchising as an avenue to entrepreneurial freedom and success.
  • Discuss the cost distinction between brick and mortar franchises and service industry franchises.
  • Learn the potential use of franchises to boost pre-existing businesses or initiatives is examined.
  • And so much more!

Key Moments:

00:04:27 Gregory Mohr's Journey into Franchising

00:05:17 The Path to Entrepreneurship and Franchising

00:14:37 Understanding the Costs and Benefits of Franchising

00:16:44 Real-Life Success Stories in Franchising

00:20:12 Financing Your Franchise: Options and Advice

00:21:50 Evaluating Franchise Opportunities and Risks

00:23:42 Franchise Disclosure and Validation

00:23:59 Real Estate Marketing Solutions

00:25:02 Podcast and Social Media Services

00:25:42 Franchise Research and Success Stories

00:26:08 Top Franchises to Consider

00:28:07 Recession-Proof Franchise Opportunities

00:30:09 Franchise Ownership and Consulting

00:37:48 Final Round: Financial Mistakes and Lessons

Find Gregory Mohr on on:

Website: www.franchisemaven.com

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

Instagram: https://www.instagram.com/franchisemaven/?hl=en

Twitter: https://twitter.com/Franchise_Maven

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

Average Joe Finances®

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

About Mike: https://mikecavaggioni.com

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Life, Money, and More
A Podcast Built for those who want to make their Money, and Life Better
Listen on: Apple Podcasts Spotify

David C Barnett Small Business and Deal Making M&A SMB
I discuss buying, selling, financing and managing small and medium sized businesses...
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Join us on Average Joe Finances as our guest Luke Van Der Veer shares insights about his innovative business model of website rentals. From a corporate HR job to creating financial freedom through website leasing, he shares his methods for generating leads and securing clients, and gives some tips for finding success in entrepreneurial ventures. Luke also shares insights on the importance of coaching and investing in oneself, and how he balances his work and personal life while continuously exploring new business opportunities.The episode is packed with actionable advice and inspiring stories for anyone looking to break free from the traditional 9-to-5 grind.

What you’ll learn in this episode:

  • Exploring unconventional ways to earn like renting websites, promoting the importance of thinking outside the traditional job framework.
  • Significance of personal freedom to pursue one's interests, reframing the concept of work and lifestyle.
  • The value of having coaches or mentors, stressing the efficiency they bring in achieving personal and business goals.
  • Importance of investing in knowledge and skills instead of material possessions, a crucial aspect of financial growth.
  • And so much more!

Key Moments:

00:00:57 Recap of Luke Vanderveer Interview

00:01:55 Introduction to Website Rentals

00:05:11 Luke Vanderveer's Background

00:06:40 The Journey to Financial Freedom

00:09:54 Building a Website Rental Business

00:12:10 Lead Generation and Business Model

00:14:21 Scaling the Business and Income Potential

00:19:32 Scaling the Business

00:19:54 Outsourcing and Automation

00:20:45 Coaching and Delegation

00:21:28 Life After Leaving the Job

00:23:07 Finding Purpose and Coaching Others

00:23:52 Balancing Work and Freedom

Find Luke Van Der Veer on:

Website: https://lukevanderveer.com/

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

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/

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DISCLAIMER https://averagejoefinances.com/disclaimer

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

Make More with Matt Heslin
Explore strategies to thrive financially, build legacy, and enhance life experiences.
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Join us on Average Joe Finances as our guest Garr Russell shares insights into his philosophy on overcoming adversity, leveraging other people's assets, and the importance of faith in his life. He details his transition from being a full-time RVer to establishing a successful RV rental franchise business, Fireside RV Rental. Garr also opens up about his past struggles and how they shaped his approach to business today.

What you’ll learn in this episode:

  • Solving problems creatively to provide valuable solutions for customers, fostering business growth
  • Valuable guidance, insights, and support, crucial for navigating the entrepreneurial journey and learning from experienced professionals.
  • Continuous learning and self-improvement through education equip entrepreneurs with knowledge, insights, and tools essential for business growth.
  • Delegation of tasks to competent individuals fosters collaboration and allows entrepreneurs to focus on their strengths for business success.
  • And so much more!

Key Moments:

00:47 Meet Garr Russell: A Journey from RV Living to Entrepreneurship

02:58 The Genesis of a Unique RV Rental Business

11:45 Garr's Personal and Professional Journey

17:39 Challenges and Learning Moments

24:05 The Power of Franchising and Mentorship

25:07 The Importance of Mental Health Breaks for Entrepreneurs

25:32 Learning from Failure: An Entrepreneur's Journey

27:19 Transitioning from Wantrepreneur to Entrepreneur

27:41 The Entrepreneurial Mindset: Recognizing Your Potential

29:30 Franchise Opportunities: A Path to Success

31:02 The Value of Sharing Struggles and Failures

32:13 The Hero's Journey: Rising from Failure to Success

Find Garr Russell on:

Website: www.firesidervrental.com

Facebook: www.facebook.com/garr.russell

Instagram: www.instagram.com/garrjrussell

LinkedIn: www.linkedin.com/in/garrrussell

Youtube: www.youtube.com/@garrjrussell

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/

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DISCLAIMER https://averagejoefinances.com/disclaimer

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

David C Barnett Small Business and Deal Making M&A SMB
I discuss buying, selling, financing and managing small and medium sized businesses...
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Join us on Average Joe Finances as our guest Will Nutting, shared his philosophy of questioning consensus, his approach to connecting the real world with the financial world through his twice-weekly writings, and his own experiences managing a personal fund. He also emphasizes the importance of thinking independently, understanding geopolitical influences on market trends, and the need for diversification in investment.

What you’ll learn in this episode:

  • Potential struggles of the Western capitalist system, shedding light on alternate financial systems like gold and digital assets.
  • The importance of gaining hands-on experience and learning financial concepts through analogies and metaphors.
  • Potential societal instability taking root from societal values, debt, the entitlement and indulgence of certain groups.
  • Diversification as a safety net in investments, discouraging dependence on a single sector or theme's performance.
  • And so much more!

Key Moments:

00:26 Meet Will Nutting: A Maverick in Finance

00:32 Challenging Financial Consensus

01:47 From Soldier to Financial Commentator

05:19 Crafting the Nut Stuff Portfolio

12:18 Navigating Geopolitical Waters: Investing Amidst Global Events

17:11 The Future of Investing: Opportunities and Challenges

22:19 Protecting Investments in a Volatile World

24:18 Long-Term Investment Strategies and Generational Perspectives

25:06 Creating a Personalized Investment Portfolio

26:42 Incorporating Geopolitics and Emerging Technologies into Investment Decisions

27:21 The Real World Meets Financial World

28:39 The Ultimate Safety Net in Investing

33:57 Investment Insights and the Importance of Being Inquisitive

Find Will Nutting on:

Website: https://www.nutstuff.co.uk/

LinkedIn: https://uk.linkedin.com/in/will-nutting-030a0415

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/

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DISCLAIMER https://averagejoefinances.com/disclaimer

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David C Barnett Small Business and Deal Making M&A SMB
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Join us on Average Joe Finances as we welcome our new co-host, Tawnya Schultz! She shares her journey from being trapped in a financially dependent relationship to becoming a financial coach, known as The Money Life Coach. She also discusses her approach to budgeting, the psychological aspects of finance, and her aspirations to educate and empower, especially women, on financial matters.

What you’ll learn in this episode:

  • The significance of fostering positive relationships, which can enhance engagement and create a welcoming atmosphere for listeners.
  • The transformative power of financial education and empowerment.
  • The necessity of taking tangible steps towards financial goals, emphasizing the importance of implementation alongside learning.
  • Encouraging accountability and proactive decision-making underscores the role of personal responsibility in managing finances effectively.
  • And so much more!

Key Moments:

00:31 Tawnya's Journey: From Guest to Co-Host

00:01:05 The Money Life Coach: Tawnya's Personal Finance Journey

00:03:23 Finding the Perfect Co-Host: The Selection Process

00:05:00 Empowering Women in Finance: A New Perspective

00:06:39 The Holistic Approach to Personal Finance

00:09:59 Emotions and Money: Understanding the Connection

00:19:45 Taking Action: The Key to Financial Success

00:22:49 The Future of the Average Joe Finances Podcast with Tawnya

Find Tawnya Schultz on:

Website: https://www.themoneylifecoach.com/

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

Facebook: https://www.facebook.com/themoneylifecoach1/

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

Youtube: https://www.youtube.com/TahoeSnowboardMag

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

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In the realm of emerging markets and internet-based investments.a pivotal figure in finance for decades took us on a comprehensive journey through his career, the intricate world of emerging markets, and strategic investing approaches that are shaping the future.

Join us on Average Joe Finances as our guest Kevin Carter shares the importance of financial education, reading, and understanding the market for successful investing.

What you’ll learn in this episode:

  • Consider new avenues like emerging markets for lucrative investments.
  • Identify the key populations likely to demonstrate the most significant market growth.
  • Hardships and disillusionment can trigger creative business solutions.
  • Utilize the power of compounding to enhance wealth in the long term.
  • And so much more!

Key Moments:

00:00:33 Kevin Carter's Journey into the Investment World

00:01:04 The Birth of Index Funds and Kevin's Early Career Moves

00:03:51 Innovating the Investment Landscape: Fractional Shares and Direct Indexing

00:10:12 Advising Google Employees and Diving into Emerging Markets

00:16:45 Understanding Emerging Markets and Their Potential

00:23:30 Kevin's Personal Journey and Motivation in Finance

00:26:01 Unveiling the Flaws of Traditional Emerging Market Investments

00:27:33 The Problem with State-Owned Enterprises in ETFs

00:31:22 Missing Out on the Best: The Exclusion of Top Companies

00:37:05 Exploring Alternative Emerging Market Investments

00:38:21 The Compelling Case for Investing in India

Find Kevin Carter on:

Websites: www.EMQQglobal.com

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

Average Joe Finances®

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

About Mike: https://mikecavaggioni.com

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DISCLAIMER https://averagejoefinances.com/disclaimer

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Make More with Matt Heslin
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In the dynamic world of real estate investing, the journey of every investor has its unique twists and turns. However, evolving strategies and adapting to different situations have a key role in the recipe for success.

Join us on Average Joe Finances as our guest Jim Manning shares his early influences, including his pragmatic altruist approach to business and a transformative experience with a self-made billionaire that shaped his views on success and happiness.

What you’ll learn in this episode:

  • Shift to buy and hold properties and long-term financial freedom
  • Real Estate’s high return potential and opportunities for passive income
  • Importance of careful consideration in investments
  • Use of lease to own arrangements for community benefit
  • And so much more!

Key Moments:

01:14 Jim's Early Career and Entrepreneurial Journey

01:53 Lessons from a Self-Made Billionaire

10:58 A Health Scare and a New Perspective

12:49 The Evolution of Jim's 'Why' in Real Estate

15:07 Shift to Lease Purchase Deals

19:13 Birth of a Real Estate Fund

20:11 Impact of Real Estate on Community and Investors

20:19 Future Plans and Expansion

24:15 The Power of Passive Income and Real Estate

24:47 Understanding Retirement and Cashflow

25:10 Risks and Rewards of the Stock Market

25:37 Impact of Social Media on Business

27:41 Stability of Real Estate Investments

28:15 Unpredictability of the Stock Market

29:30 Tangibility of Real Estate

30:01 Importance of Diversification in Investments

30:15 Strategy of Buy and Hold in Real Estate

30:41 Complexity of Real Estate Investment Strategies

31:59 Importance of Cashflow in Real Estate Investing

Find Jim Manning on:

Websites:

https://jimmanning.com.

https://pasivewealthshow.com/

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

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

Youtube: https://www.youtube.com/@passivewealthshow

Average Joe Finances®

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

About Mike: https://mikecavaggioni.com

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Make More with Matt Heslin
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In today's competitive financial markets, staying abreast of changes is crucial.

Join us on Average Joe Finances as our guest Tony Saliba shares how he managed to adapt to different financial scenarios by harnessing his superpower—the 'what ifs.' His early struggles and the gradual development of his risk-averse trading methodology form a compelling narrative of dedication, acumen, and adaptability.

What you’ll learn in this episode:

  • Benefits of options trading, aligning with individual investing ideas and risk profiles, elucidating its value for those with limited capital.
  • The importance of continuous learning, recommending readings such as "Reminiscences of a Stock Operator" and "Market Wizards".
  • The importance of a sounding board for trading, underlining the effectiveness of collaboration and mentorship.
  • And so much more!

Key Moments:

00:00:40 Tony's Journey into the World of Finance

00:03:04 Tony's Early Career and Challenges

00:03:59 Transition into Technology and Entrepreneurship

00:04:43 Reflecting on Tony's Career Shifts and Decisions

00:05:00 Tony's Tech Innovations in Trading

00:07:43 The Impact of Tech on Trading and Business

00:19:45 Tony's Superpower and Entrepreneurial Mindset

00:24:52 The Motivation Behind the Hustle

00:26:43 Journey of Building and Handing Over

00:27:01 Future Plans and Legacy

00:28:02 Transition from Stocks to Crypto

00:28:51 Introduction to Bitcoin

00:30:41 Launch of Mercury Digital Assets

00:32:45 The Future of Tokenization

00:33:56 The Impact of Blockchain on Real Estate

00:34:52 Tokenization of Artwork

00:38:01 Future of Digital Assets

Find Tony Saliba on:

Website:https://liquidmercury.com/

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

Average Joe Finances®

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

About Mike: https://mikecavaggioni.com

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Finance isn't solely about numbers—like any other journey, it aligns with personal values, dreams, and life goals. Exploring this intriguing intersection, let’s take a deep dive into the exciting world of financial planning, focusing on how personal discoveries shape financial decisions.

Join us on Average Joe Finances as our guest Debra Schatzki shares key insights into her financial planning methods which involve understanding the vulnerabilities of clients, their major goals, and dreams

In this episode:

  • Illustrate how personal experiences, including challenges and triumphs, can shape one's approach to financial literacy and security.
  • Advocate the transmission of financial literacy across generations to ensure lasting wealth and responsible money management.
  • How one’s financial principles highlight foundational values for achieving financial stability and growth.
  • How "Security Income Planning" underscores the significance of strategies that preserve wealth while aligning with personal values and promoting family well-being.
  • And so much more!

Key Moments:

00:00:56 Debra's Personal Journey and Financial Education

00:02:30 The Importance of Financial Literacy

00:03:30 Passing Down Financial Knowledge

00:03:50 Debra's Approach to Financial Planning

00:04:21 The Importance of Core Values in Financial Planning

00:05:26 The Role of Family and Legacy in Financial Planning

00:06:39 Debra's Personal Motivation and 'Why'

00:09:00 The Importance of Professional Guidance in Financial Planning

00:19:04 Debra's Core Financial Principles

00:23:59 The Impact of the Bernie Madoff Scandal on Debra's Clients

00:32:56 The Importance of Setting Goals and Seeking Professional Help

00:38:14 Final Thoughts and Advice for Listeners

Find Debra Schatzki on:

Website:https://www.bppwealth.com/

LinkedIn: https://www.linkedin.com/in/debra-schatzki-ba481312/

Average Joe Finances®

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

About Mike: https://mikecavaggioni.com

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DISCLAIMER https://averagejoefinances.com/disclaimer

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Make More with Matt Heslin
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The world of real estate investment is vast and varied, teeming with opportunities for investors willing to explore and conquer its intricacies.

Join us on Average Joe Finances as our guest Chris Prenfontaine highlights the importance of mindset, coaching, and mentorship in successful real estate investing.

In this episode:

  • Understanding how small investments can grow significantly over time empowered him to start his investing journey early.
  • Explore various avenues, including commercial real estate and options trading, recognizing the unique opportunities each offered.
  • The importance of starting small and staying consistent in investing.
  • The importance of continuous learning and adaptation in the ever-evolving world of finance.
  • And so much more!

Key Moments:

00:00:40 Chris's Journey in Real Estate

00:01:36 Surviving the 2008 Crash and Rebuilding

00:02:09 New Rules and Strategies Post-Crash

00:02:54 The Family Business and Coaching Others

00:03:14 Reflecting on Pre-2008 Strategies

00:04:04 Current Real Estate Strategies and Techniques

00:06:48 Finding and Solving Problems in Real Estate

00:12:56 Building the Team and Business Growth

00:15:53 Advice for New Real Estate Investors

00:17:11 The Importance of Authentic Marketing in Real Estate

00:17:42 Offering Value: Free Resources and Real Estate Education

00:18:15 The Power of Coaching in Real Estate

00:19:15 The Four Pillars of Success in Real Estate

00:20:17 The Impact of Current Economic Environment on Real Estate

00:20:59 Adapting to Market Changes: Seller Financing in Chaotic Times

00:23:13 Investing in Your Own Backyard vs. Diversifying Markets

00:24:32 The Importance of Mindset in Real Estate Investing

00:24:40 Acquiring New Students and Growing the Community

Find Chris Prefontaine on:

Website: http://www.smartrealestatecoach.com

Podcast: https://www.smartrealestatecoach.com/podcast

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

Google +: https://plus.google.com/+Smartrealestatecoachchannel

YouTube: https://www.youtube.com/smartrealestatecoach

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

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

Twitter: https://twitter.com/smartrecoach

Average Joe Finances®

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

About Mike: https://mikecavaggioni.com

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DISCLAIMER https://averagejoefinances.com/disclaimer

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Make More with Matt Heslin
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In the investment world, versatility is key. To thrive, one must be able to adjust to varying market situations seamlessly, adapting strategies to secure the best possible outcomes.

Join us on Average Joe Finances as our guest Erik Smolinski shares his investment strategies to include commercial real estate and active trading in the stock market, ultimately achieving his goal of becoming a millionaire before 30.

In this episode:

  • Understanding how small investments can grow significantly over time empowered him to start his investing journey early.
  • Explore various avenues, including commercial real estate and options trading, recognizing the unique opportunities each offered.
  • The importance of starting small and staying consistent in investing.
  • The importance of continuous learning and adaptation in the ever-evolving world of finance.
  • And so much more!

Key Moments:
03:02 Erik's Journey into Investing
05:38 Erik's Diverse Investment Strategies
06:19 Realization and Shift in Perspective
07:19 Approach to Trading and Investing
16:14 Experience with Commercial Real Estate
17:46 Approach to Stock Market Trading
22:34 The Importance of Trends in Trading
22:56 The Beauty of Ignorance in Trading
23:44 The Role of Artifact Knowledge in Decision Making
23:59 The KISS Method in Trading
24:24 How to Start Investing Like Erik
25:03 The Reality of Trading and the Importance of Paper Trading
26:40 The Role of Discipline and Consistency in Trading
27:02 The Importance of Understanding Risk
27:24 The Disconnect Between Input and Output in Trading
27:47 The Importance of Training and Discipline in Trading
29:55 The Role of Mindset in Trading
32:48 The Importance of Consistency and Discipline in Success
33:49 The Role of Stoicism in Finance
38:40 The Importance of Starting and Staying Consistent

Find Erik Smolinski on:

Website: https://esinvest.com/
Facebook: https://www.facebook.com/esinvests
LinkedIn: https://www.linkedin.com/in/esmolinski
Youtube: https://www.youtube.com/esinvests
Instagram: https://www.instagram.com/esinvests
Twitter: https://www.twitter.com/esinvests

Average Joe Finances®

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

Make More with Matt Heslin
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As the financial world rapidly evolves, having an innovative and grounded perspective is essential. This is something an entrepreneurship and finance guru emphasizes. Let’s discuss the importance of behavioral finance in highlighting common mistakes investors make and some critical wisdom to help individuals manage their investments effectively.

Join us on Average Joe Finances as our guest Elliot Kallen shares valuable insights about behavioral finance, discussing the importance of being tactical and strategic in investing and trust's role in financial advisor-client relationships.

In this episode:

  • Learn how to efficiently invest to give you the highest probability of achieving your retirement objective with the lowest possible risk.
  • Avoid common financial pitfalls like adopting a groupthink approach or investing with emotion.
  • Create the right mindset to achieve financial freedom.
  • Learn why trust is a big issue with financial planners and what Elliot does to ensure clients feel comfortable and secure.
  • And so much more!

Key Moments:

00:01:17 Understanding Behavioral Finance

00:02:27 Investment Strategies and Mistakes

00:08:03 The Role of Trust in Finance

00:09:23 Overcoming Fear in Investment

00:11:44 Investment Opportunities and Risks

00:19:37 The Importance of Strategic Thinking in Investment

00:22:09 Investing in the Stock Market: Current State and Predictions

00:22:25 Understanding the Market: Bullish vs Bearish Perspectives

00:22:43 Investment Opportunities in Times of Economic Malaise

00:23:26 Investing in the Defense Industry: A Tactical Approach

00:24:27 Investing in Technology: The Future of AI and Cybersecurity

26:40 Lessons Learned: Mistakes and Successes in Business and Finance

Find Elliot Kallen on:

Website: https://prosperityfinancialgroup.com/

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

LinkedIn: https://www.linkedin.com/company/prosperity-financial-group/

Youtube: https://www.youtube.com/channel/UCynH32iE0vZHwczDLmluCNw

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

Podcast: https://podcasts.apple.com/us/podcast/getting-real-elliot-kallen-prosperity-financial-group/id1106735103?i=1000511926838

Average Joe Finances®

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

About Mike: https://mikecavaggioni.com

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

DISCLAIMER https://averagejoefinances.com/disclaimer

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Investing in multifamily properties is a preferred choice due to its benefits, including increased cash flow and property value appreciation. But what if you look at multifamily investment as not just a real estate venture but a business opportunity? Get ready to explore this mindset!

Join us on Average Joe Finances as our guest Vlad Arakcheyev shares his journey to becoming a real estate agent and his gradual transition into multifamily investments and turning it into a functionally operational business.

In this episode:

  • Emphasize the importance of building a robust team when venturing into multifamily investment.
  • Continuously learn and stay updated on industry trends and changes to make informed investment decisions.
  • Understand that significant results in multifamily investment may take time to materialize.
  • Recognize that multifamily property investment requires a nuanced understanding of business operations within the real estate sector.
  • And so much more!

Key Moments:

00:01:17 Vlad's Journey into Real Estate

00:01:33 Transitioning from Graphic Design to Real Estate

00:02:20 Exploring Different Real Estate Strategies

00:02:48 Challenges of Balancing a Job and Real Estate

00:03:11 Taking the Leap into Full-Time Real Estate

00:03:16 Experiencing the Ups and Downs of Single-Family Rentals

00:04:05 Discovering the Potential of Multifamily Real Estate

00:04:27 The Importance of Education and Mentorship in Real Estate

00:05:02 Vlad's Current Real Estate Strategy and Focus

00:08:36 The Benefits and Challenges of Multifamily Real Estate

00:08:59 The Importance of Third-Party Property Management

00:09:16 The Business Side of Multifamily Real Estate

00:10:40 The Power of Partnerships in Real Estate

00:16:06 Finding Deals in Real Estate

00:21:12 The Role of Technology in Real Estate

00:25:51 Navigating Market Changes in Real Estate

00:27:23 Shifting Investment Focus from C to B Class Properties

00:27:50 Understanding the Risks of Older Buildings

00:28:12 The Advantages of Investing in BA Class Buildings

00:28:41 The Impact of High Mortgage Rates on the Rental Market

00:29:18 The Real Estate Market in New Jersey: A Case Study

00:30:23 The Consequences of Waiting for Lower Rates

00:31:05 The Importance of Planning and Strategy in Real Estate Investment

00:31:57 The Benefits of Investing in BA Class Buildings

00:35:45 Adapting to Market Changes: Shifting Investment Locations

00:39:35 The Importance of Teamwork in Real Estate Investment

00:45:11 The Role of Education and Mentorship in Real Estate Investment

00:49:17 The Power of Mindset and Focus in Real Estate Investment

Find Vlad Arakcheyev on:

Website: https://zontikventures.com/

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

Facebook: https://www.facebook.com/Vlad.Arakcheyev1/

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

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

Email: Vlad@ZontikVentures.com

Calendly: https://calendly.com/vlad-arakcheyev/30min

Average Joe Finances®

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About Mike: https://mikecavaggioni.com

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Are you a real estate investor looking to elevate your game while ensuring your assets are fully protected? Do you need advice on developing a robust wealth-building strategy? If yes, you'd benefit from insights from this week’s guest.

Join us on Average Joe Finances as our guest Scott Royal Smith shares his knowledge and expertise on asset protection, financial freedom, and lifestyle strategies, particularly for real estate investors

In this episode:

  • Recognize the pivotal role of asset protection in maintaining financial security.
  • Emphasize the significance of implementing asset protection measures at the right time.
  • Understand how private foundations, similar to super IRAs, can protect income and provide a tax-free growth strategy.
  • Recognize the need for experts in asset protection, estate planning, tax strategy, insurance, and investment within your team.
  • And so much more!

Key Moments:

00:36 Getting to Know Scott Royal Smith

00:43 Scott's Journey to Financial Freedom

01:54 The Importance of Asset Protection

02:11 The Birth of Royal Legal Solutions

02:35 The Shift to Asset Protection

03:02 The Wake-Up Call and Expansion

03:31 The Importance of Strategic Tax Planning

03:39 The Concept of Financial Freedom

04:03 The Desire to Teach and Give Back

04:22 The Reality of Financial Freedom

05:09 The Dangers of Not Protecting Your Assets

05:46 The Importance of Asset Protection for Real Estate Investors

06:24 The Right Time to Consider Asset Protection

06:56 The Benefits of Series LLCs

08:39 The Power of Anonymity and Compartmentalization

12:52 The Role of Money in Life

14:14 The Use of Retirement Accounts in Real Estate Investing

15:47 The Advantages of Private Foundations

18:17 The Importance of Strategic Tax Planning and Structuring

19:47 The Importance of Having the Right Team

20:26 The Role of Professionals in Your Business

20:53 Understanding Different Types of Professionals You Need

21:14 Balancing Investments and Taxes

21:29 The Role of Insurance in Your Business

21:59 Building a Wealth Building Company

22:24 The Services Offered by Royal Legal Solutions

23:57 The Importance of Education in Business

24:16 The Process of Building a Wealth-Building Company

25:23 The Importance of Hiring Professionals

Find Scott Royal Smith on:

Website: https://royallegalsolutions.com

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

Average Joe Finances®

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About Mike: https://mikecavaggioni.com

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

DISCLAIMER https://averagejoefinances.com/disclaimer

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Options trading is often viewed as complex or risky for the average investor. However, with the right guidance, trading options can be a powerful tool for financial growth

Join us on Average Joe Finances as our guest Dan Passarelli shares the importance of understanding and mitigating risks in trading and offers some wisdom on how to use options trading as a tool to improve one's financial situation

In this episode:

  • Recognize options trading as a form of derivative trading applicable in various market conditions.
  • Grasp the benefit of options trading in controlling risk, distinguishing it from pure stock trading.
  • Explore the potential of using options trading as a pathway to financial freedom.
  • Understand how premiums collected from options can be reinvested to fuel further growth, contributing to financial success.
  • And so much more!

Key Moments:

00:26 Getting to Know Dan Passarelli

02:13 Understanding Options Trading

02:38 Explaining Options Trading to Beginners

04:04 How to Get Started with Options Trading

04:16 Types of Options Strategies

04:37 The Concept of Covered Calls

07:04 How Options Trading Can Lead to Financial Freedom

12:41 The Importance of Education in Options Trading

17:23 The Role of Technology in Options Trading

18:51 Understanding the Risks in Options Trading

19:45 Dan's Personal Trading Strategy

20:14 Introduction to Options Trading

20:18 Using Options for Buy and Hold Strategy

21:08 Case Study: Trading Apple Stocks

21:44 Understanding Call and Put Options

24:00 Reinvesting Premiums from Options Trading

25:09 The Risks and Rewards of Day Trading

26:16 The Importance of Education in Trading

Find Dan Passarelli on:

Website: https://markettaker.com/

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

Twitter: https://twitter.com/Dan_Passarelli

Youtube: https://www.youtube.com/user/MarketTakerMentoring

Blog: https://markettaker.com/blog/

Average Joe Finances®

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

About Mike: https://mikecavaggioni.com

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

DISCLAIMER https://averagejoefinances.com/disclaimer

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Are you interested in Multifamily Real Estate? Let’s dive deep into the nitty-gritty of it! From regulatory challenges in LA to tenant-buyout strategies - this episode will be brimming with insider knowledge!

Join us on Average Joe Finances as our guest Taylor Avakian shares his experiences navigating the escalating changes in the market, demystifies some common myths about the California real estate market, and offers invaluable advice for investors.

In this episode:

  • Recognize the opportunities in LA's multifamily market, driven by renter demand, despite the state's strict regulations and high housing costs.
  • Learn about the importance of becoming a "value add investor" and building relationships to navigate and thrive within the regulated market.
  • View these challenges as opportunities for investors who comprehend the "art and science" of LA's investment market.
  • Embrace optimism and creativity in the face of tightening regulations and shifting market trends in LA.
  • And so much more!

Key Moments:

00:01:03 Taylor's Journey into Real Estate

00:02:39 Understanding the Multifamily Market in California

00:04:22 Overcoming Challenges in LA's Market

00:08:20 The Impact of COVID-19 on LA's Real Estate Market

00:15:15 Predicting Future Opportunities in LA's Market

00:18:42 Finding Hidden Gems in the Real Estate Market

00:21:13 Taylor's Superpower as a Real Estate Broker

00:24:49 The Unexpected Rise in Property Values

00:25:05 The Importance of Making Educated Projections

00:25:34 The Power of Building Relationships in Real Estate

00:26:17 Overcoming the Challenge of High Interest Rates

00:27:13 Strategies for Landlords in LA for Future Growth

00:27:56 The Art of Controlling the Controllables

00:29:30 The Stoic Approach to Life and Business

00:32:06 The Power of Knowledge and Skills

00:33:23 The Importance of Self-Awareness in Business

00:35:27 The Power of Organization in Business

00:44:14 The Value of Consistency and Discipline

Find Taylor Avakian on:

Website: https://www.matthews.com/

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

Instagram: https://www.instagram.com/taylor_avakian/?hl=en

Twitter: https://twitter.com/tayvay_?lang=en

Average Joe Finances®

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

About Mike: https://mikecavaggioni.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

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Navigating the business world, especially the real estate market, can be quite an obstacle course. But could it prove that success often comes from passion, ambition, and making calculated risks?

Join us on Average Joe Finances as our guest Adit Shah shares his journey on how he began by working for free as a property developer and learn the ropes of the industry.

In this episode:

  • The significance of networking and relationship-building in the real estate business, which can play a fundamental role in future operations.
  • How an unconventional approach to entering the real estate industry demonstrates that success often comes from taking unique and unexpected paths.
  • The need for careful consideration of market conditions and the importance of resilience when facing unexpected challenges in the real estate industry.
  • How joining a mastermind or a community of like-minded individuals is recommended for guidance and opportunities, showcasing the significance of continuous learning and mentorship in the real estate journey.
  • And so much more!

Key Moments:

00:01:08 - Transition from Military to Civilian Life

00:01:43 - Entry into Real Estate and Initial Experiences

00:02:02 - Journey to Becoming a Real Estate Developer

00:02:19 - Strategy to Learn and Break into the Industry

00:03:07 - First Development Projects and Expansion

00:03:22 - Founding of Tempest 22 and Housebender

00:03:54 - Experience Working for Free and Learning the Trade

00:06:29 - Adit's Transition to Leading His Own Business

00:15:33 - Adit's Move to Colombia and Managing Business Remotely

00:16:44 - Approach to Building a Solid Team

00:22:08 - Strategy for Keeping Expenses Low and Utilizing Military Benefits

00:23:53 - Starting Tempest 22 and Real Estate Development

00:23:59 - Criteria for Selecting Development Lots

00:24:42 - Building a Portfolio and Scaling Up

00:25:30 - Creating Housing for Specific Demographics

00:26:43 - The Art of Real Estate Development

00:27:33 - Identifying Ideal Parcels for Development

00:28:40 - The Strategy for Acquiring Properties

00:29:13 - Challenges of Managing Development from Abroad

00:31:54 - The Motivation Behind Real Estate Development

Find Adit Shah on:

Websites: www.housebender.com and www. tempest22.com

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

LinkedIn: https://www.linkedin.com/in/adit-shah-197623167/

Average Joe Finances®

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

About Mike: https://mikecavaggioni.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

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How can delving into financial innovation serve as a transformative journey toward achieving financial freedom? Let’s explore crucial topics such as velocity banking and the profound impact of intentional decision-making on the path to financial goals.

Join us on Average Joe Finances as our guest Charlie Hardage shares insights on the significance of focusing on one niche, the power of velocity banking, and leveraging debt to grow wealth.

In this episode:

  • Uncover the exclusive benefits of owning a franchise and how it can change your entrepreneurial journey.
  • Learn the secrets to turning your existing business into a successful franchise operation.
  • Explore the market options for reselling franchises and maximize your investment potential.
  • Master the art of research and due diligence to make informed decisions in the world of franchising.
  • And so much more!

Key Moments:00:03:34 Charlie's Journey into Real Estate
00:05:11 Transitioning from Military to Civilian Life
00:08:22 Charlie's Real Estate Strategy and Goals
00:11:56 The Importance of Mental Health Awareness
00:15:28 Investing in Multifamily Real Estate
00:21:00 The Value of Research and Due Diligence
00:24:18 Charlie's Active Investment Strategy
00:26:50 Running Real Estate Like a Business
00:27:02 The Power of Efficient Management in Real Estate
00:27:56 The Art of Velocity Banking
00:28:33 The Benefits of Investing in Syndications
00:28:55 The Mindset Shift in Velocity Banking
00:29:21 The Concept of Debt Arbitrage
00:29:38 The Power of HELOC in Real Estate Investing
00:30:16 The Strategy of Velocity Banking
00:33:16 The Impact of Velocity Banking on Financial Freedom
00:37:27 The Importance of Focus in Real Estate Investing
00:45:21 The Power of Networking and Sharing Your Journey
00:47:27 Final Thoughts: If I Can Do It, You Can Do It

Find Charlie Hsrdage on:

Website: https://www.hkigllc.com/

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

Facebook: https://www.facebook.com/charlie.hardageiii/

Youtube: https://www.youtube.com/@buildwealthinrealestate

Average Joe Finances®

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

About Mike: https://mikecavaggioni.com

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

DISCLAIMER https://averagejoefinances.com/disclaimer

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As we delve into the exciting world of franchising, the question that waves at every entrepreneur's mind is, should I buy a franchise? Franchising, indeed, is a dynamic concept in the business world that thrives on the foundation of systemized procedures and proven business models. But is it the right fit for you?

Join us on Average Joe Finances as our guest Gregory Mohr shares about the process of turning a business into a franchise and the potential for significant growth.

In this episode:

  • Uncover the exclusive benefits of owning a franchise and how it can change your entrepreneurial journey.
  • Learn the secrets to turning your existing business into a successful franchise operation.
  • Explore the market options for reselling franchises and maximize your investment potential.
  • Master the art of research and due diligence to make informed decisions in the world of franchising.
  • And so much more!

Key Moments:

00:04:31 - Discovering Franchising
00:08:41 - Semi-Absentee Franchising
00:11:53 - Being the Face of the Business
00:12:22 - Benefits of Local Ownership
00:12:33 - Importance of Being the Local Face of a Franchise
00:13:26 - Franchise vs. Private Business
00:15:51 - Trade-Off Between Time and Money
00:17:17 - Investment Levels in Different Types of Franchises
00:21:31 - Mistakes to Avoid When Selecting a Franchise
00:25:20 - Importance of Funding and Debt Servicing
00:27:27 - Genuine Intent to Help
00:28:54 - Financing and Debt to Income Ratio
00:35:00 - Risk Tolerance and Emerging Franchises
00:39:02 - Assessing Fit for Franchise Ownership
00:39:21 - Individual Factors in Franchise Investment
00:40:10 - Importance of Due Diligence
00:41:18 - Process of Turning a Business into a Franchise
00:44:19 - Selling a Successful Franchise
00:46:08 - Lessons Learned and Tips for Success

Find Patrick Elsner on:

Website: www.franchisemaven.com
LinkedIn: https://www.linkedin.com/in/gregorykmohr/
Instagram: https://www.instagram.com/franchisemaven/?hl=en
Twitter: https://twitter.com/Franchise_Maven
Facebook: https://www.facebook.com/FranchiseMaven/

Average Joe Finances®

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

About Mike: https://mikecavaggioni.com

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DISCLAIMER https://averagejoefinances.com/disclaimer

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Are you looking to enter the franchise industry? Discover the secrets to finding the perfect franchise fit. Learn how to navigate the franchise landscape based on your criteria and interests, but beware, one wrong move could leave you questioning everything.

Join us on Average Joe Finances as our guest Patrick Elsner shares insights on the trends he's observed in franchise ownership over his 21-year career and gives advice to those thinking about getting into franchising.

In this episode:

  • Discover the latest franchising trends and opportunities to stay ahead of the game.
  • Explore the benefits of semi-absentee franchise ownership for a more flexible lifestyle.
  • Uncover the thriving home services and health and wellness franchise categories.
  • Implement a criteria-based approach to find the perfect franchise that aligns with your goals.
  • And so much more!

Key Moments:00:00:28 - Patrick's Background
00:01:21 - Trends in Franchising
00:02:49 - Popular Franchise Categories
00:09:16 - Finding the Right Franchise
00:15:02 - The Importance of Success in Franchising
00:16:00 - Top Franchises in Today's Market
00:17:32 - Qualities of a Successful Operator
00:20:08 - Work and Luck in Franchising
00:22:18 - Mitigating Risks in Franchising
00:30:11 - Mistakes in Financial Investments
00:31:11 - Importance of Surrounding Yourself with the Right People
00:33:26 - Reverse Engineering Your Goals

Find Patrick Elsner on:

Website: https://www.franinside.com

Email: info@franinside.com

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

Youtube: https://www.youtube.com/channel/UCLj00KD0UTb27LmIbY4EGDg

Average Joe Finances®

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

About Mike: https://mikecavaggioni.com

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

DISCLAIMER https://averagejoefinances.com/disclaimer

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Recent financial management strategies aim to assist individuals and families in building wealth and attaining financial independence. One approach involves utilizing a whole life insurance policy for banking, offering tax advantages. The goal is to empower individuals to manage their finances effectively, ensuring economic certainty.

Join us on Average Joe Finances as our guest Dr. Robert Scranton shares how using life insurance policies as a banking system can offer guaranteed returns, tax-free growth, and overall financial freedom.

In this episode:

  • Overcome the initial daunting perception and discover the fascination behind this unique financial strategy.
  • Grasp the concept of "banking on oneself" through robust whole-life insurance policies with promising returns.
  • Understand the strategy of "spending down every dollar earned" and the guaranteed returns on premiums.
  • Discover the impressive tax benefits associated with Infinite Banking, often overlooked by beginners.
  • And so much more!

Key Moments:
00:02:06 - Dr. Robert Scranton's Personal Journey and Career Shift

00:04:54 - Challenges of Traditional Financial Planning

00:07:57 - Exploring the Infinite Banking Concept

00:08:50 - Real-Life Examples of Infinite Banking

00:14:17 - Benefits of Infinite Banking and Double Dipping

00:19:05 - Tax Benefits of Infinite Banking

00:20:59 - Using Infinite Banking for Retirement Planning

00:21:39 - Revised Retirement Plans and Living Longer

00:22:13 - The Power of Real Estate Investments

00:22:45 - Borrowing from Retirement Savings for Real Estate

00:23:33 - The Benefits of Infinite Banking

00:23:59 - Getting Started with a Policy

00:24:25 - Understanding Policy Limitations

00:28:06 - The Risks of Outstanding Loans

00:30:16 - The Power of Spending Down Every Dollar

00:32:04 - Selling Your Policy on the Secondary Market

Find Dr. Robert Scranton on:

Website: https://www.yourfinancialiq.org

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

Tiktok: tiktok.com/@robertscranton4

Average Joe Finances®

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

About Mike: https://mikecavaggioni.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

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Welcome to a special episode of Mike's Thoughts! 🎙️ In this episode, we're diving into six amazing products from AppSumo that can transform the way you create content, manage social media, and produce podcasts. Plus, we've got an exciting freebie to share! Let's jump right in.

🌟 EaseUS VideoKit: Unlock Your Video Creation Potential
EaseUS VideoKit is a versatile all-in-one video toolkit that simplifies the process of video and audio content creation. From video and audio conversion to speech-to-text features, customization options, and more, this toolkit has it all. And the best part? There's a free version! Get it here: EaseUS VideoKit

🚀 BIGVU: Effortless Scripting, Recording, and Editing
BIGVU is not just a teleprompter app; it's an AI-powered video studio revolutionizing the way you script, record, and share high-quality videos. With AI-generated scripts, customizable teleprompter settings, and auto-sharing features, BIGVU takes your video creation to the next level. Check it out here: BIGVU

🔍 Voilà: Elevate Your Writing Experience
Voilà is an AI-powered browser extension designed to enhance content creation, answer questions, and boost productivity. Get instant answers, improve your writing, and enjoy a seamless experience across various websites. Elevate your writing game with Voilà: Voilà

📱 Vista Social: Streamlining Social Media Management
Vista Social is your all-in-one social media management platform powered by ChatGPT. From AI social media caption writing to international content translation, engagement management, and comprehensive analytics, Vista Social has got your social media strategy covered. Get it now: Vista Social

💼 Ocoya: All-in-One Marketing Solution
Ocoya is a comprehensive all-in-one marketing solution that streamlines the creation, automation, and management of high-converting campaigns. With an extensive template library, AI copywriter, social media posting capabilities, and more, Ocoya is a game-changer for marketers. Explore Ocoya here: Ocoya

🎙️ Spoken (formerly Rumble Studio): Elevate Your Podcasting Game
Spoken is a comprehensive solution for podcast production and interviews. With features like the Interview Builder, Response Dashboard, and advanced group permissions, Spoken empowers you to seamlessly prepare and record interviews asynchronously. Elevate your podcasting game with Spoken.

Ready to take your creative and business endeavors to new heights? Check out these fantastic products from AppSumo and grab the Black Friday deals before they're gone!

EaseUS Video Kit: https://appsumo.8odi.net/EaseUSVid
BigVu: https://appsumo.8odi.net/BigVu
Voila: https://appsumo.8odi.net/Voilaplugin
Vista Social: https://appsumo.8odi.net/VistaSocialapp
Ocoya: https://appsumo.8odi.net/ocoyaapp
Spoken: https://appsumo.8odi.net/spoken

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Do you want to gain a comprehensive understanding of trading and make well-informed investment decisions? Wondering how you can achieve this desired outcome? It's time to break free from the cycle of ineffective actions that only lead to more pain and uncertainty. Let's embark on a journey of knowledge and guidance, where you can gain valuable insights into trading and investing to make informed decisions and achieve the financial success you desire.

Join us on Average Joe Finances as our guest Anmol Singh shares the secrets of trading success and how to make wise investment choices.

In this episode:

  • Gain valuable insights into trading and investing strategies to make informed investment decisions.
  • Learn how to maintain emotional control in trading to avoid making impulsive and costly mistakes.
  • Understand the importance of mindset in finance and how it can contribute to your financial success.
  • Explore the potential risks and rewards of cryptocurrency investment and make educated decisions in this market.
  • And so much more!

Key Moments:
00:01:04 - Anmol Singh's Background
00:02:03 - Start of Investing
00:05:22 - Thoughts on Trading
00:11:10 - The Importance of Education and Understanding the Market
00:12:35 - Finding Your Trading Style and Mentor
00:14:09 - Technical Analysis for Trading
00:15:45 - Trading as a Psychological Journey
00:18:58 - Understanding Emotions in Trading
00:22:10 - Managing Emotions in Trading
00:23:47 - Definition of Success
00:26:41 - Well-Rounded Success
00:27:01 - Trading Crypto
00:29:39 - Bitcoin's Future
00:33:47 - Getting Started in Investing
00:35:15 - Making Money Work for You
00:36:39 - The Power of Mindset

Find Anmol Singh on:

Website: https://livetraders.com/

IG: https://www.instagram.com/deltaninety/

Twitter: https://twitter.com/DeltaNinety

Book: http://preppingforsuccess.com/book

Average Joe Finances®

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

About Mike: https://mikecavaggioni.com

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DISCLAIMER https://averagejoefinances.com/disclaimer

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You may already be taking actions such as investing in properties that align with your values, incorporating sustainable practices, or supporting local communities, but the impact you desire may still be eluding you. Instead, you may find yourself facing challenges such as difficulty finding suitable properties, encountering resistance from traditional real estate practices, or struggling to measure and communicate the social and environmental impact of your investments.

Join us on Average Joe Finances as our guest Paul Moore shares the secrets to success in commercial real estate.

In this episode:

  • Discover the most effective real estate investing strategies to maximize your profits.
  • Uncover the hidden benefits of investing in self-storage and how it can be a game changer for your portfolio.
  • Learn about value-add opportunities in the self-storage industry
  • Explore the untapped markets in real estate investing and find out how to tap into their potential for lucrative opportunities.
  • And so much more!

Key Moments:

00:00:46 - Paul's Background and Transition to Real Estate
00:03:13 - Value Investing in Real Estate
00:06:30 - Success Stories in the Current Market
00:08:25 - Shift in Capital Stack Strategy
00:14:06 - Importance of Due Diligence and Partner Selection
00:15:02 - Self Storage as an Attractive Investment
00:17:51 - Value Creation in Self-Storage
00:19:32 - Blue Ocean Strategy for Self-Storage Investments
00:23:46 - Lack of Online Presence in Mom and Pop Self Storage Facilities
00:27:19 - The Appalling Situation at the Wall
00:28:03 - Making an Impact on the World
00:29:22 - Fighting Human Trafficking

Find Paul Moore on:

Website: www.wellingscapital.com

Twitter: twitter.com/PaulMooreInvest

Average Joe Finances®

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

About Mike: https://mikecavaggioni.com

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

DISCLAIMER https://averagejoefinances.com/disclaimer

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If you're frustrated and overwhelmed by working long hours and saving diligently but watching your early retirement dreams slip away, you're not alone. Many seeking financial independence get stuck in unfulfilling jobs or uncertain financial situations. You may be overspending, making poor investments, or not earning enough to save effectively. However, there's hope. By identifying and addressing your obstacles, you can achieve the freedom and fulfillment you desire.

Join us on Average Joe Finances as our guest Walli Miller shares the art of starting small but dreaming big - learn how to save and invest wisely to create a work-optional lifestyle.

In this episode:

  • Gain financial freedom by finding the perfect balance between debt repayment and investing.
  • Align your actions with your long-term goals to create a roadmap to success and early retirement.
  • Discover the art of finding balance in all areas of your life and live a fulfilling retirement.
  • Unlock financial independence through the power of financial education and the right mindset.
  • And so much more!

Key Moments:

00:00:49 - Walli’s Background
00:06:57 - Lack of Money Conversations
00:08:55 - Cultivating Hustle Culture
00:13:59 - Creating an Accessible Podcast
00:15:23 - The Importance of Continuous Learning
00:17:04 - Recognizing the Relationship with Money
00:18:40 - Overcoming Money-Related Blocks
00:21:57 - The Intersection of Numbers and Emotions
00:27:15 - The Importance of Sinking Funds
00:28:18 - Celebrating Small Victories
00:29:26 - Spending Money on What You Value
00:31:41 - Investing While in Debt
00:34:23 - Finding a Balance
00:40:41 - Aligning Actions with Vision
00:41:51 - Balancing Work and Personal Life
00:42:26 - Learning from Financial Mistakes

Find Walli Miller on:Website: https://financiallythriving.com/
Instagram: https://www.instagram.com/financially_thriving

Average Joe Finances®

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

About Mike: https://mikecavaggioni.com

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DISCLAIMER https://averagejoefinances.com/disclaimer

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You've been told to invest your time and money in traditional avenues like stocks and real estate, hoping for passive income that never seems to materialize. The pain of constantly working hard but not seeing the results you desire is all too real. But what if there's a more effective action you can take? Imagine discovering the untapped potential of website investing, where you can leverage digital assets to build long-term wealth and finally generate the passive income you've been longing for.

Join us on Average Joe Finances as our guest Matt Raad unveils the thrilling journey of building passive income through digital assets, defying traditional job norms, and discovering the secrets to financial freedom.

In this episode:

  • Discover the untapped potential of website investing to build long-term wealth and generate passive income.
  • Start small and learn the art of due diligence to minimize risks and maximize returns in the world of website investing.
  • Gain a long-term vision for building generational wealth through carefully selected digital assets.
  • Unlock the path to financial freedom by leveraging the opportunities presented by website investing.
  • And so much more!

Key Moments:

00:01:30 - Matt Rod's Background
00:04:19 - Building Websites for Passive Income
00:05:43 - Discovering the Power of Internet Businesses
00:09:37 - Transitioning to Buying Websites
00:13:49 - The Efficiency of Scraping Websites
00:14:39 - Starting a Website Business
00:15:59 - Proof of Concept
00:19:08 - Transitioning from a W2 Job
00:21:38 - Evolution of Website Buying and Selling
00:26:31 - The Power of Affiliate Marketing
00:27:26 - Unexpected Affiliate Commissions
00:28:02 - No Inventory or Warehouse Hassles
00:29:42 - Niche Passion for Success
00:31:26 - Surprising Valuation of Passion Sites
00:39:22 - Starting Small and Learning Due Diligence
00:40:08 - The Power of Compounding Interest
00:41:33 - Building Generational Wealth
00:42:11 - Tips for Getting Started in Buying and Selling Websites

Find Matt Raad on:

Website: https://www.mattandlizraad.com/

LinkedIn: https://www.linkedin.com/in/matt-raad/?originalSubdomain=au

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

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

Twitter: https://twitter.com/TheMattRaad

Average Joe Finances®

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

About Mike: https://mikecavaggioni.com

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DISCLAIMER https://averagejoefinances.com/disclaimer

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Are you tired of the same old 9-to-5 routine? Dreaming of being your own boss and building a successful business? Get ready for a story that will completely change your perspective. Discover the incredible opportunities that await you in the world of franchise business ownership.

Join us on Average Joe Finances as our guest Giuseppe Grammatico shares the key to unlocking your entrepreneurial success and attaining the ultimate goal: financial freedom.

In this episode:

  • Understand the advantages of franchising as a business model and how it can help you achieve your entrepreneurial goals.
  • Discover alternative funding options that can make starting a franchise more accessible and affordable than traditional options.
  • Explore the benefits of semi-passive and fully passive ownership in a franchise business, giving you more control over your time and lifestyle.
  • Learn about the importance of following the franchise process and how it can lead to greater success and profitability in your business.
  • And so much more!

Key Moments:

00:05:07 - The Role of a Franchise Coach
00:08:53 - Finding the Right Franchise
00:09:32 - Additional Considerations
00:14:08 - Funding Options for Franchises
00:16:22 - Creating a Financial Plan
00:17:06 - Boosting Retirement Funds through Franchising
00:18:16 - Timeline for Opening a Franchise
00:20:42 - Semi-Passive and Fully Passive Franchise Ownership
00:28:07 - The Importance of Following the Franchise Process
00:29:22 - Franchise Feedback and Menu Changes
00:35:46 - Get Clear on Your Goals and Find the Right Mentor
00:37:46 - The Importance of Working with a Coach

Find Giuseppe Grammatico on:

Website: https://ggthefranchiseguide.com/

LinkedIn: https://www.linkedin.com/company/gg-the-franchise-guid

Youtube: https://www.youtube.com/channel/UCxWsxLRngbxJEH2m8w-ptYw

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

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

Twitter: https://twitter.com/ggrammatico

Average Joe Finances®

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

About Mike: https://mikecavaggioni.com

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Do you want to unlock the secret to financial independence and make smart investment choices? Are you tired of being misled by common money myths that hinder your wealth-building journey? Get ready to gain invaluable knowledge and tools to break free from misconceptions and make informed decisions that pave the way for long-term wealth creation.

Join us on Average Joe Finances as our guest Stephanie Walker, shatters money myths and how to control your financial future, leveraging strategic investments to achieve wealth and debunking the accumulation mindset prevalent among regular individuals.

In this episode:

  • Discover retirement planning strategies to secure a comfortable future and live the life you've always dreamed of.
  • Uncover the hidden costs of investment fees and learn how to minimize them to maximize your returns.
  • Explore the world of real estate syndications and learn how it can help you diversify your investment portfolio and grow your wealth.
  • Unlock the benefits of life insurance as a powerful tool for building wealth and protecting your loved ones.
  • And so much more!

Key Moments:

00:01:08 - Seeking Financial Independence
00:02:19 - Transition to Real Estate Investing
00:03:40 - Discovering Syndication
00:04:15 - Financial Transformation
00:15:06 - Investing in 401(k)s and Tax-Free Income Strategies
00:17:54 - Investing in Real Estate for Retirement
00:20:13 - True Diversification and Asset Allocation
00:24:16 - Indexed Universal Life Insurance for Wealthy Individuals
00:30:09 - The Importance of Life Insurance
00:30:37 - The Benefits of a Healthy Lifestyle
00:31:20 - Life Insurance and Retirement

Find Stephanie Walter on:

Websites: www.erbewealth.com

LinkedIn: https://www.linkedin.com/in/stephanie-walter-057594196/

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

Check out Average Joe Finances: https://erbewealth.com/averagejoe/

Average Joe Finances®

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

About Mike: https://mikecavaggioni.com

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

DISCLAIMER https://averagejoefinances.com/disclaimer

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Do you want to become a confident and knowledgeable real estate investor, ready to embark on your journey in the industry? How do I start strong and learn from experienced investors? Look no further! We have the solution that will help you achieve your goal. Get ready to unlock the real estate market's potential and set yourself up for success!

Join us on Average Joe Finances as our guests Steven and Amber Liddle, share their expertise and insights, enabling you to gain the confidence and knowledge necessary to kickstart your real estate journey.

In this episode:

  • Learn proven strategies and valuable lessons from experienced real estate investors,
  • Gain insights into the transition from military to civilian life and discover how to successfully build a thriving real estate business after serving in the military.
  • Explore how to make a difference in the veteran community through their nonprofit organization
  • Understand the significance of networking and building a team in the real estate industry
  • And so much more!

Key Moments:

00:01:53 - Military Background and Retirement Plans
00:04:36 - Transitioning from Military to Civilian Life
00:06:01 - The Podcast and Relay Race to Support Veterans
00:08:53 - Impacting the Veteran Community in San Antonio
00:13:34 - Moving to Texas and Finding Support
00:14:09 - Research and Finding a Realtor
00:15:14 - Lessons Learned and Financing the First Deal
00:18:20 - Furnishing and Renting out the First Property
00:20:47 - Second Deal and Seller Financing
00:26:30 - The Benefits of the Property's Location
00:27:25 - Concerns about Laws and Regulations
00:28:38 - The 12% Rule in San Antonio
00:30:15 - Learning and Evolving in Real Estate Investing
00:33:57 - Rental Arbitrage and Property Management
00:40:22 - Networking and Adding Value
00:41:43 - Preparation and Opportunity

Find The Liddle’s on:

Websites:

https://www.patriotescapes.com/

https://www.americanspiritalliance.org/

Average Joe Finances®

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

About Mike: https://mikecavaggioni.com

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DISCLAIMER https://averagejoefinances.com/disclaimer

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Are you frustrated with the traditional real estate investment route, spending countless hours dealing with property management and tenant issues but not achieving the desired results? It's time to break free from this ineffective approach and explore note investing as a new path to financial freedom.

Join us on Average Joe Finances as our guest Fred Moskowitz reveals the ultimate solution to attaining the desired outcome of financial freedom through note investing. Get ready to learn the strategies and gain the knowledge needed to pave your way toward a life of financial security and independence.

In this episode:

  • Discover how to transition from a successful career to mortgage note investing and unlock the path to financial freedom.
  • Learn about the benefits of note investing as a lender, including cash flow predictability and scalability, and how it can help you achieve your financial goals.
  • Explore both active and passive ways to get involved in note investing and find the strategy that suits your lifestyle and investment objectives.
  • Understand the key differences between mortgage note and stock market returns, and discover how note investing can potentially offer higher returns and greater control over your investments.
  • And so much more!

Key Moments:

00:00:46 - Fred Moskowitz's Background
00:03:15 - Introduction to Mortgage Note Investing
00:05:53 - Why Fred Chose Mortgage Note Investing
00:09:23 - Active vs. Passive Note Investing
00:18:01 - Utilizing Retirement Funds for Note Investing
00:21:07 - Trends in Mortgage Notes
00:25:42 - Buying Notes at a Discount
00:26:19 - Starting with a Fund or Individual Notes
00:27:48 - Importance of Using a CRM

Find Fred Moskowitz on:

Website: www.fredmoskowitz.com

Facebook: www.facebook.com/thefredmoskowitz

Instagram: www.instagram.com/thefredmoskowitz

Average Joe Finances®

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

About Mike: https://mikecavaggioni.com

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Finding the right franchise can be daunting and frustrating, with many aspiring entrepreneurs facing obstacles. It's disheartening when results don't meet expectations despite investing time and effort. However, with the proper guidance and knowledge, you can overcome these challenges and discover the ideal franchise for your entrepreneurial journey.

Join us on Average Joe Finances as our guest Bob Bernotas uncovers the secrets to finding the right franchise fit, rolling over retirement funds into a business, and achieving faster wealth accumulation.

In this episode:

  • Navigate the rich terrain of profitable franchise investments.
  • Decipher the benefits and potential of engaging with semi-passive franchise models.
  • Decode the contrasts and strengths between service-oriented franchises and brick-and-mortar retail concepts.
  • Learn the smart strategy of converting retirement funds into a franchise for tax gains.
  • And so much more!

Key Moments:

00:00:30 - Bob Bernatos' Background
00:02:49 - Franchise Investing
00:05:26 - Semi-Passive vs. Full-Time Franchise Ownership
00:09:32 - Equity Building and ROI
00:14:05 - The Importance of Knowing What's Behind a Franchise
00:15:14 - The Concept of Temporary Walls
00:16:50 - Franchise vs. Starting Your Own Business
00:21:49 - Support System and Information Sharing in Franchises
00:24:46 - Balancing Passion and Financial Success in Franchising
00:28:40 - Rolling Over 401K and IRA to Fund a Business
00:31:35 - Shifting from Real Estate to Franchising
00:32:08 - Matching Individuals with the Right Franchise
00:34:25 - Timeline and Compensation
00:37:29 - Lessons Learned and Tips for Success

Find Bob Bernotas on:

Website: https://franchisewithbob.com/

LinkedIn: https://www.linkedin.com/in/robert-bernotas/

Average Joe Finances®

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

About Mike: https://mikecavaggioni.com

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If you're unhappy because your real estate investments aren't working out as you'd hoped, don't worry – you're not alone! Maybe you've been looking for good deals but can't find any. Or perhaps you've been fixing up properties but have unexpected problems and costs. Even though you've been trying hard, you still haven't been able to make more money or create a successful real estate portfolio.

Join us on Average Joe Finances as our guest Sam Primm shares his secrets to applying the BRRRR method to residential and commercial properties. Discover how Sam's strategies can help you maximize your returns and build your real estate empire.

In this episode:

  • Learn the art of real estate investment without a personal financial stake.
  • Unravel the process of applying the BRRRR method to diverse property formats.
  • Understand the mechanics of fostering relationships with lenders and securing finance.
  • Find out how to scale your real estate portfolio and establish a proficient team.
  • And so much more!

Key Moments:

00:01:34 - Sam Primm's Background
00:05:01 - Scaling with Different Property Types
00:08:18 - Building Relationships and Track Record
00:09:42 - Sam Primm's Organization
00:11:07 - Introduction to Sam Primm's businesses
00:11:55 - The Power of Social Media
00:13:27 - Sam's Favorite Business
00:16:27 - Building a Successful Team
00:20:38 - Quitting a 9-to-5 Job for Real Estate
00:22:19 - Taking a Risk for a Greater Potential
00:23:33 - Using CRMs and Technology for Organization
00:25:13 - Local Market Focus
00:26:23 - St. Louis Real Estate Market
00:30:53 - The Personal Why Behind Real Estate
00:33:44 - Making a Positive Impact
00:34:38 - Sam's Superpower: Perspective,

Find Sam Primm on:

Website: www.FasterFreedom.com

TikTok: https://tiktok.com/@SamFasterFreedom

Twitter- https://twitter.com/FasterFreedom

Instagram: https://instagram.com/SamFasterFreedom

Youtube: https:/youtube.com/SamFasterFreedom

Average Joe Finances®

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

About Mike: https://mikecavaggioni.com

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DISCLAIMER https://averagejoefinances.com/disclaimer

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If you feel stressed and unsure about your money situation, even though you're trying to save and invest, know that you're not the only one. Lots of people face money problems, even when they're trying their best. They save money, but sometimes unexpected costs or bad investment choices make it hard to build a stable financial future. It's time to escape this pattern and make a solid plan to secure your future.

Join us on Average Joe Finances as our guest Bruce Weinstein reveals the truth and shares valuable insights on how to develop a proactive financial plan for a secure future.

In this episode:

  • Learn to appreciate the importance of a robust financial plan for your future.
  • Comprehend the significant role of life insurance in long-term financial protection.
  • Uncover the added benefits of kickstarting your financial planning at a young stage in life.
  • Break free from apathy and self-focused behaviors that obstruct proactive fiscal choices.
  • And so much more!

Key Moments:

00:00:56 - Bruce's Background in Financial Planning
00:05:03 - Insurance Needs at Different Stages of Life
00:07:31 - Insurability and Health
00:09:54 - Life Insurance and Age
00:12:15 - The Importance of Financial Planning
00:13:17 - Planning for Retirement
00:14:27 - Longevity and Health
00:15:43 - Being a Plan Man
00:20:19 - Apathy and Selfishness
00:24:19 - The Importance of Life Insurance
00:25:59 - Understanding Term Insurance
00:27:15 - Life Insurance for Older Individuals
00:28:23 - The Importance of Financial Planning
00:30:21 - Being Proactive and Seeking Advice
00:36:27 - Relief from Financial Burden
00:37:18 - Emotional Investing
00:39:07 - The Importance of a Financial Advisor
00:42:05 - Knowing When to Exit Investments
00:43:51 - Diversification in Real Estate and Stocks
00:49:06 - Starting Your Financial Journey

Find Bruce Weistein on:

Websites:
www.weinsteinwealth.com
www.asktheplanman.com
www.planman.tv
Facebook: https://www.facebook.com/bruce.m.weinstein
LinkedIn: https://www.linkedin.com/in/brucemweinstein/

Average Joe Finances®

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

About Mike: https://mikecavaggioni.com

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Many individuals are frustrated and defeated, when their actions seem to fall short of their goals. Instead of seeing progress, they may experience setbacks, obstacles, or even outright failure. But remember, this is a standard part of the journey towards pursuing your passions and overcoming limitations. Keep pushing forward and don't let temporary setbacks define your future success.

Join us on Average Joe Finances as our guest Aaron Hale shares his inspiring journey from military service to overcoming life-altering injuries that molded him into the resilient individual he is today.

In this episode:

  • Learn the secret to converting passions into reality despite prevalent hurdles.
  • Find out how to architect a personal brand that strikes the right target audience.
  • Unveil the potential of shared personal experiences in forging genuine connections.
  • Understand the lessons smartly learned from business and life, preventing the usual pitfalls.
  • And so much more!

Key Moments:

00:01:04 - Aaron's Background and Military Career
00:05:17 - Discovering a New Passion
00:06:56 - Life-Altering Event
00:09:49 - Overcoming Challenges and Entrepreneurship
00:18:46 - Overcoming Physical Challenges
00:21:03 - Asking the Right Questions
00:22:13 - Finding Strength in Small Steps
00:25:10 - Transition to Real Estate
00:31:53 - Marketing and Real Estate
00:38:43 - Building a Personal Brand
00:42:12 - Niche Marketing

Find Aaron Hale on:

Websites: https://eodfudge.com/

LinkedIn: https://www.linkedin.com/in/aaron-hale-1861477/

Podcast: https://pointofimpactpod.com/

Average Joe Finances®

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

About Mike: https://mikecavaggioni.com

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Does this sound familiar? You've been told to simply think positively to overcome adversity and maintain a positive mindset. But despite your efforts, you still struggle to stay optimistic and navigate life's challenges. The pain of constantly trying to force a positive mindset, only to be disappointed, is draining and disheartening. It's time to discover a more practical approach that will truly help you overcome adversity and find lasting happiness.

Join us on Average Joe Finances as our guest, Mike Tarnow reveals the key to overcoming challenges, achieving lasting happiness, discovering the path to triumph over adversity, and embracing a life filled with fulfillment and contentment.

In this episode:

  • Delve into transformative strategies that could lead you to an earlier-than-expected retirement.
  • Master the art of allocating your income wisely for an effortless financial journey.
  • Immerse yourself in insights to manage finances as a robust team successfully.
  • Gain a fresh perspective on maintaining a positive outlook when overcoming adversities.
  • And so much more!

Key Moments:

00:00:40 - Mike Tarno's Background
00:02:57 - Early Retirement Plan
00:06:36 - 401(k) and Investments
00:09:53 - Budgeting and Saving Strategies
00:12:29 - Budgeting and Earmarking
00:14:03 - Envelope Method with Bank Accounts
00:15:35 - Accomplishing Financial Goals
00:18:53 - Importance of Being Prepared for Expenses
00:19:24 - Partnering in Finances
00:24:55 - Mike Tarnow's Side Hustle
00:25:57 - Overcoming Hardships
00:29:27 - Cancelled Surgery
00:31:59 - The Power of Positivity
00:36:57 - The Importance of Support

Find Mike Tarnow on:

Websites: https://www.miketarnow.com/

Podcast: https://www.stayoffmylawn.us/

LinkedIn: https://www.linkedin.com/in/mike-tarnow/

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

Instagram: https://www.instagram.com/miketarnow_vo/?hl=en

Average Joe Finances®

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

About Mike: https://mikecavaggioni.com

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Do you want to enhance your trading strategies and achieve greater success in the market? Are you searching for the key to unlocking your full potential as a full-time trader? Look no further! Get ready to revolutionize your approach and see your trading career soar to new heights!

Join us on Average Joe Finances as our guest, Tony Pawlak reveals the ultimate solution to help you attain your desired outcome: amplified trading strategies and heightened market triumph.

In this episode:

  • Uncover the power of the right mindset to unlock trading and investing proficiencies.
  • Acquire skills to maneuver your trading risks with control and management techniques.
  • Realize how education and mentorship in trading are pivotal for making purpose-driven decisions.
  • Recognize the role your emotions play in trading and develop strategies to manage them.
  • And so much more!

Key Moments:

00:00:27 - Tony Pawlak's Background
00:02:26 - Struggles and Debt
00:08:14 - Mindset Shift and Strategy
00:09:44 - Growth and Helping Others
00:12:17 - Stepping Up to the Next Level
00:14:30 - Overcoming Common Trading Mistakes
00:19:51 - Trading as a Full-Time or Part-Time Endeavor
00:22:30 - Investing vs. Trading in the Stock Market
00:23:51 - The Importance of Price Action Trading
00:24:15 - The Importance of Learning to Read Markets
00:25:14 - Long-Term Investing and Buying Insurance
00:26:31 - Understanding Market Trends and Timing
00:28:41 - The Best Time to Trade and Emotional Equity
00:33:02 - The Importance of Diagnosing Markets and Accepting Losses
00:35:21 - The Importance of Mindset in Trading
00:36:14 - Risk and Skill in Trading
00:38:50 - Controlling Emotions and Risk in Trading
00:40:05 - Lessons Learned and Changing Expectations
00:47:20 - Enriching Lives and Providing Education,

Find Tony Pawlak on:

Websites: https://www.reallifetrading.com/tonypawlak

Podcast: https://myworstinvestmentever.com/ep579-tony-pawlak-stop-trying-to-get-rich-overnight/

Youtube: https://www.youtube.com/channel/UCux4_ZudBYgiZBPDvxVdhVQ

Average Joe Finances®

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About Mike: https://mikecavaggioni.com

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DISCLAIMER https://averagejoefinances.com/disclaimer

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When Masterworks presents the net return of an investment in a sold artwork, “net return” or “IRR” refers to the annualized internal rate of return net of all fees and expenses, calculated from the offering closing date to the date the sale is consummated. IRR is not indicative of Masterworks paintings not yet sold and past performance is not indicative of future results. For additional information regarding the calculation of IRR for a particular investment in an artwork that has been sold, a reconciliation will be filed as an exhibit to Form 1-U and will be available on the SEC’s website at www.sec.gov.

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Do you want to make smarter financial decisions and achieve success in real estate investing? How can tech professionals leverage their skills to excel in the real estate market? Look no further! This discussion will reveal the solution to achieving improved financial decision-making and prosperous real estate investments.

Join us on Average Joe Finances as our guest, John Foong, unveils how his Silicon Valley-bred paranoia and unique mindset led him to navigate the uncertainties of life and achieve remarkable success.

In this episode:

  • Identify the crucial value of the tech sector’s commitment to continuous growth and innovation.
  • Get to know the significance of financial modeling in guiding your investment direction.
  • Discover the value of aligning with finance and investment experts for informed guidance.
  • Appreciate how taking initiative and dedication to continuous learning can transform your finance and investment journey.
  • And so much more!

Key Moments:

00:01:31 - Getting to Know John Fung
00:03:07 - Paranoia and the Mindset of Tech Companies
00:07:58 - Balancing Optimization and Peace of Mind
00:11:26 - Feeling the Responsibilities of Parenthood
00:13:27 - Being Prepared for Anything
00:17:59 - Adjusting for Changing Seasons
00:19:16 - Adapting to Different Life Seasons
00:21:46 - Trust and Collaboration in Finances
00:22:47 - Differences in Real Estate between Australia and the United States
00:24:16 - Taxation Differences in Australia and the United States
00:25:50 - Buyer's Agents and Real Estate Transactions
00:29:10 - Benefits of Lines of Credit and Liquidity
00:34:15 - The Importance of Learning and Seeking Expert Help,

Find John Foong on:

LinkedIn: https://au.linkedin.com/in/johnfoong

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

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

Average Joe Finances®

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About Mike: https://themikecav.com

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Do you want to enhance the resilience of your real estate portfolio and safeguard it against inflation? Are you searching for a solution that can provide you with increased protection and stability? Look no further, because, in this discussion, we will reveal the key to achieving that desired outcome.

Join us on Average Joe Finances as our guest, Dana Samuelson, will be sharing tips on how to protect and diversify your portfolio, battle inflation, and seize prime buying opportunities in a rapidly evolving market.

In this episode:

  • Uncover why owning precious metals is crucial to safeguard your assets from the effects of inflation.
  • Learn how to use your precious metals as collateral for real estate investments.
  • Understand the significance of liquidity in turbulent economic conditions.
  • Equip yourself with strategies to protect against counterfeit precious metals.
  • Discover how to spot lucrative opportunities in the real estate and gold markets.
  • And so much more!

Key Moments:

00:03:35 - Precious Metals as an Inflation Hedge
00:07:51 - Precious Metals vs. Cryptocurrency
00:12:38 - The Value of Precious Metals
00:14:03 - Borrowing Against Precious Metals
00:15:40 - The Precious Equity Strategy
00:18:45 - Buying Real Estate During a Financial Crisis
00:19:52 - The Importance of Liquidity
00:23:27 - Building a Precious Metals Business
00:27:05 - Establishing the industry anti-counterfeiting task force
00:28:30 - Importance of buying from reputable dealers
00:29:08 - Anti-counterfeiting measures in coins
00:29:40 - Success in getting the Secret Service involved

Find Dana Samuelson on:

Website: https://www.amergold.com/

LinkedIn: https://www.linkedin.com/in/dana-samuelson-64793056/

Average Joe Finances®

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About Mike: https://themikecav.com

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Do you want to better understand how AI can revolutionize the real estate industry? Are you looking for a solution to enhance your knowledge and utilization of AI to achieve remarkable outcomes in real estate investments? Look no further! Get ready to harness the power of artificial intelligence and reap the rewards it brings to your investments.

Join us at the Average Joe Finances Podcast as our guest, Tony Lopes, will be sharing invaluable insights and strategies to unlock the full potential of AI in the world of real estate.

In this episode:

  • Realize the true significance of prioritizing high-value tasks in the realm of real estate investing.
  • Learn how harnessing the expertise of others can transform your entrepreneurial journey.
  • Appreciate the role of perpetual learning in pushing your personal boundaries.
  • Unveil the potential of nurturing relationships, online and offline, in unfolding career and business prospects.
  • Get insights on reliable industry resources like enlightening books and authentic content creators.
  • And so much more!

Key Moments:

00:03:11 - Real Estate Investments
00:07:53 - Leveraging Networking
00:10:06 - The Role of Hard Money Lenders
00:13:54 - Rising Property Taxes and Affordability
00:14:29 - Energy Crisis and the Cost of Housing
00:15:33 - Societal Shift towards Convenience
00:19:48 - Changing Work Ethics and Loyalty
00:23:26 - Generational Differences and Homeownership
00:27:09 - The Impact of September 11 on a Business
00:28:29 - The Importance of Taking Action
00:29:31 - Generational Challenges Ahead
00:30:49 - The Influence of Social Media
00:31:27 - The Future of Real Estate with AI
00:41:53 - The Value of Delegating Low-Level Tasks

Find Tony Lopes on:

Email: tony@dirtybootscapital.com

Website: www.dirtybootscapital.com

Website: www.freedomatriskbook.com

LinkedIn: www.linkedin.com/in/tony-lopes-far/

YouTube: www.youtube.com/DirtyBootsCapital

Facebook: www.facebook.com/FreedomAtRisk

Instagram: www.instagram.com/freedomatrisk

Twitter: www.twitter.com/freedomatrisk_

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About Mike: https://themikecav.com

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Many investors in real estate are currently facing frustration and overwhelm as their investments are not delivering the desired outcomes. Despite dedicated efforts such as property research, seminars, and networking, these investors are disappointed with unsuccessful returns. This situation has led to financial setbacks, missed opportunities, and uncertainty in their real estate pursuits.

Join us at the Average Joe Finances Podcast as our guest, Marcus Maloney shares how he helps aspiring real estate professionals break the barriers to entry into investing and build a quality lifestyle through real estate investing.

In this episode:

  • Grasp the sophisticated ways of successful real estate investments.
  • Dig into covert off-market deals and polish your follow-up plans.
  • Discern how societal contribution boosts your business reach.
  • Value the essence of self-trust and the courage to venture into overcoming obstacles.
  • Understand the power of empathic listening and professional networking in the realty industry.
  • And so much more!

Key Moments:
00:03:31 - Early Lessons in Investing
00:06:12 - Influence of Family
00:10:48 - Marcus’ Real Estate Deals
00:14:41 - Using PropStream for Data
00:15:46 - Marketing Techniques
00:19:00 - Being a Problem Solver
00:21:41 - Residential Group Homes
00:26:36 - Changing Lives Through Real Estate,

Find Marcus Maloney on:

Website: https://marcusemaloney.com/

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

Twitter: https://twitter.com/mrcsmaloney

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

Linked in: https://www.linkedin.com/in/marcusmaloney/

Youtube: https://www.youtube.com/mrcsmaloney

Average Joe Finances®

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

About Mike: https://themikecav.com

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Do you want to build a thriving real estate agent business? Are you seeking the key to success in the competitive real estate market? Look no further. In this episode, our guest, Ali Garced, will reveal the solution to attaining your desired outcome: the ability to establish a highly successful real estate agent business.

Join us at the Average Joe Finances Podcast as our guest, Ali Garced, shares her passion for real estate investing, masterfully navigating the market to amass seven properties. Never one to settle, Ali capitalized on her knack for connecting with people and numbers, becoming a successful realtor, and creating ripples in the industry.

In this episode:

  • Develop a blueprint for crafting a successful realtor career while building your real estate investment portfolio.
  • Understand the necessity of accurate forecasts and balancing cash inflow with property appreciation.
  • Learn the vital role of a committed team and resource optimization in achieving real estate success.
  • Discover insights on leveraging the power of social media for meaningful growth and effective time management in your business operations.
  • And so much more!

Key Moments:

00:08:31 - Making the Jump to Full-Time Realtor
00:09:55 - Ali's Real Estate Investments
00:11:48 - Investing in Real Estate
00:13:02 - Transitioning to Long-Term Rentals
00:14:20 - Appreciation and Cash Flow
00:18:09 - Building a Realtor Business
00:19:45 - Transitioning to Referral-Only Agent
00:21:35 - Achieving Financial Milestone
00:26:39 - Mentality of an Entrepreneur
00:27:57 - CRM Systems for Real Estate
00:34:39 - Outsourcing and Time Management

Find Ali Garced on:

Website: https://www.garcedrealty.com/

Instagram: https://www.instagram.com/ali_the_agent/?hl=en

Tiktok: https://twitter.com/rcanfield1

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

Facebook: https://www.facebook.com/richard.canfield

Youtube: https://www.youtube.com/channel/UCj8ZlieHodxhD0vC75-rq0g

Average Joe Finances®

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

About Mike: https://themikecav.com

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Do you want to discover a powerful strategy for building long-term wealth? Are you looking for a solution that can effectively optimize your finances and help you achieve financial freedom?

Join us at the Average Joe Finances Podcast as our guest, Richard Canfield, shares his insights on exploring Infinite Banking Strategies. Implementing these strategies can unlock the key to long-term wealth building and achieving your financial goals. Don't miss out on this opportunity to learn how to maximize your financial potential and secure a prosperous future.

In this episode:

  • Learn about virtual apartment building strategies for generating long-term cash flow while avoiding the challenges of managing tenants.
  • Appreciate the concept of infinite banking, which involves using specially designed whole life insurance contracts to become one's own banker.
  • Understand financial tools, such as adequately structured insurance
  • Learn about the approaches to creating a family banking system involving using insurance policies to build equity that could be accessed and reinvested within the family.
  • Grasp about educating children about passive and active income and incentivizing responsible financial behavior.

Key Moments:

00:05:30 - Real Estate Investments
00:07:17 - Discovering "Becoming Your Own Banker"
00:09:58 - Virtual Apartments Explained
00:12:58 - The Infinite Banking Concept
00:11:38 - Real Estate Portfolio Diversification
00:12:16 - Turnkey Rental Property Management
00:13:23 - Dealing with Market Cycles
00:14:29 - Tales of the Real Estate Trenches
00:15:44 - Introduction to Infinite Banking
00:25:06 - The Importance of Treating Money as a Valuable Resource
00:25:32 - Using Insurance as a Financial Tool
00:26:46 - The Importance of Understanding Financial Tools
00:27:27 - The Role of Premiums in Whole Life Insurance
00:34:20 - Building a Family Banking System
00:37:14 - Introducing the Family Banking System
00:38:28 - Teaching Passive vs. Active Income
00:40:03 - Incentivizing Financial Responsibility
00:41:25 - Creating a Family Bank

Find Richard on:

Website: https://www.:ascendantfinancial.ca/

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

Twitter: https://twitter.com/rcanfield1

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

Facebook: https://www.facebook.com/richard.canfield

Youtube: https://www.youtube.com/channel/UCj8ZlieHodxhD0vC75-rq0g

Average Joe Finances®

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

About Mike: https://themikecav.com

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Are you looking to minimize your taxes and gain a deeper understanding of the tax code? Do you want to navigate the complexities of tax with ease?

In this episode, we have Alex Sonkin, who will be sharing the key solution to help you achieve your goal of maximizing tax savings and gaining a comprehensive understanding of the tax code. Get ready to unlock the secrets to minimizing taxes and mastering the tax code on the Average Joe Finances Podcast.

In this episode:

  • Dive into intelligent tax planning strategies crafted for wealth preservation and proliferation.
  • Realize the unprecedented role of CPAs in devising tax strategies specifically tailored for real estate investors.
  • Get acquainted with the virtual family office model and its potential for benefiting individuals across varying economic stages.
  • Grasp the invaluable role of the Due Diligence Project in mitigating tax risks by promoting thorough due diligence.
  • Peer into the future of the accounting sector, with technology-led CPA firms and family offices in the virtual realm.

Key Moments:
00:03:07 - The Value of Tax Planning
00:06:32 - The Due Diligence Project
00:10:02 - Virtual Family Office Model
00:14:50 - Importance of Trusting CPAs
00:15:43 - Specializations in Professional Service
00:16:58 - Building a Network of Trusted Advisors
00:19:09 - Focus on Expertise and Outsourcing
00:28:00 - The Excitement of Referral Commissions
00:29:02 - Complexity of the Tax Code
00:30:13 - Paying Taxes the Right Way
00:33:14 - Joining the Due Diligence Project

Find Alex on:

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

Facebook: https://www.facebook.com/groups/216088415888671

Youtube: https://www.youtube.com/channel/UC0lQCUx003antWFnOFpaWGg

Book: https://www.amazon.com/Due-Diligence-Project-Peer-Reviewed-Supercharging/dp/B09P6T4P75 -

Average Joe Finances®

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About Mike: https://themikecav.com

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Do you want to unlock maximum profits and achieve unparalleled success in your real estate investments? Look no further!

In this episode, we have M.J. Jackson, who will reveal the ultimate solution to help you seize control of your appraisals and reap remarkable returns on your investments. Get ready to revolutionize your real estate game and achieve unprecedented financial gains in this eye-opening episode of the Average Joe Finances Podcast.

In this episode:

  • Explore boundless opportunities in real estate, allowing you to invest and reap rewards from around the globe.
  • Acknowledge the pivotal role of education in navigating the complex world of real estate for sustainable growth.
  • Discern the benefits of collaboration and resource pooling to capitalize on lucrative investment deals.
  • Envision the life-changing liberty and way of life offered by successful real estate investments.
  • Gain insight into the vast possibilities of investing across markets, breaking boundaries and norms.

Key Moments:

00:00:56 - From Hospitality to Real Estate Appraisal,
00:04:14 - Building Investor Comps
00:06:24 - The VIP Community and Synergies
00:08:27 - Genuine Real Estate Investors and Valuation
00:13:55 - The Need for Investor Comps
00:16:16 - The Value of Data and Market Specifics
00:21:41 - Building a Transparent Community
00:22:28 - Managing Risk and Intelligent Decision-Making
00:24:55 - Data-Driven Decision-Making for Passive Investors
00:28:42 - Valuable Resources of Investor Comps
00:30:42 - The Value of Knowledge and Interpretation
00:32:09 - MJ's Why: Being a Servant Leader

Find M.J on:

Website: https://themarkjackson.com

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

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

Youtube: https://www.youtube.com/channel/UCR64o5f2f3NU1z8bJI3l7eA

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

Average Joe Finances®

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

About Mike: https://themikecav.com

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DISCLAIMER www.averagejoefinances.com/disclaimer

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Join Mike Cavaggioni with Johnny Wolff on the 208th episode of the Average Joe Finances Podcast. Johnny shares how renting by the room can lead to increased profitability and foster meaningful community connections.

In this episode, you’ll learn:

  • The exciting possibilities of real estate investing and co-living strategies.
  • The prosperity and potential associated with renting by the room.
  • The ways to triumph over challenges in the co-living rental market.
  • Effectiveness of Homeroom's turnkey solutions for ambitious co-living investors.
  • The importance of creativity and resilience in high-stake real estate investing.
  • And much more!

Key moments:

00:02:11 - Co-Living and Rent by the Room
00:06:09 - Finding the Right Property for Co-Living
00:09:32 - Creating Housing Solutions
00:13:42 - Challenges of Co-Living
00:14:19 - Making Homes Marketable
00:15:31 - The Role of Creativity
00:16:35 - Location and Density
00:18:03 - Customizing Properties
00:28:18 - Homeroom's Payment Structure
00:29:53 - Net Positive with Homeroom
00:31:29 - Johnny's Biggest Real Estate Mistake
00:33:59 - Learning from Experience

About Johnny Woff:

Johnny Wolff is the CEO and Founder of HomeRoom – one of the fastest-growing real estate investing platforms in the United States. After starting his career as a financial analyst in Silicon Valley (EA, SanDisk, Guidespark), he relocated to Austin, Texas, to pursue full-time real estate investing. After an unusually terrible Craigslist roommate experience in 2017, he converted a single-family home to a group home for his friends. After realizing the massive untapped potential of multi-tenant (co-living) real estate investing – HomeRoom was born.

Find Johnny on:

Website: http://www.livehomeroom.com

LinkedIn: http://www.linkedin.com/in/johnnywolff/

Facebook: http://www.facebook.com/livehomeroom

Average Joe Finances®

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

About Mike: https://themikecav.com

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DISCLAIMER www.averagejoefinances.com/disclaimer

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Join Mike Cavaggioni with Ace Hagerty on the 207th episode of the Average Joe Finances Podcast. Ace shares the key to attaining equilibrium and success in your life, allowing you to skillfully navigate your commitments and priorities.

In this episode, you’ll learn:

  • The ropes of real estate investing, tailored specifically for beginners.
  • The pivotal role your mindset plays in achieving success in real estate.
  • Understanding the basics of real estate investing as well as the need for an efficient team.
  • The fundamental principles of real estate to attain financial freedom.
  • Exploring the immense power of personal transformation for a more purposeful existence.
  • And much more!

Key moments:

00:00:48 - Ace's Background in Real Estate
00:05:37 - A Life Out of Balance
00:09:44 - The 100-Day Challenge
00:12:12 - Leaving a Lasting Impression
00:13:29 - Taking Control of Your Life
00:14:18 - The Challenge of Changing Habits
00:15:10 - Leveraging Your Nervous System
00:15:54 - Having Faith and Surrounding Yourself with Support
00:18:35 - Finding Balance and Yes Management
00:26:46 - Finding a Deeper Why
00:27:52 - Gratitude and Perspective
00:29:03 - Rediscovering the Love of Learning
00:30:46 - Leading by Example
00:36:19 - Learning from Mistakes
00:40:53 - Getting Started in Real Estate Investing
00:43:27 - Importance of Following Fundamental Principles
00:46:38 - Providing Value and Finding Balance

About Ace Hagerty:

Matthew “Ace” Hagerty is a writer, entrepreneur, podcaster, and Full Control Publishing, LLC founder. From garage start-ups to companies investing millions of dollars to developing communities around the country, he has created successful initiatives that are changing the faces of communities both big and small.

He also launched his podcast, Superhero By Design, in 2022, in which he interviews real-life superheroes from all over the world.

Find Ace on:

Website: https://www.superherobydesign.com/

Average Joe Finances®

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

About Mike: https://themikecav.com

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

DISCLAIMER www.averagejoefinances.com/disclaimer

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Join Mike Cavaggioni with Maria Quattrone on the 206th episode of the Average Joe Finances Podcast. Maria shares valuable insights and advice that will help you make improved real estate investment decisions and increase your chances of success.

In this episode, you’ll learn:

  • The unique advantages and substantial profits that come from investing in real estate.
  • Why a speedy deal analysis is key to making wise, beneficial investment decisions.
  • The current real estate market, including potential challenges and how they can be transformed into opportunities.
  • Investment options and strategies, understanding why both cash flow and appreciation matter in solidifying your investment portfolio.
  • Personal growth and a resilient mindset are important in thriving in the real estate industry.
  • And much more!

Key moments:

00:02:09: Challenges of Being a Broker and Investor
00:06:46: Current Real Estate Market Trends
00:10:41: Investing in Self-Storage and Mobile Home Parks
00:12:53: Tools and Systems for Real Estate Investing
00:15:01: The Power of Real Estate Appreciation
00:16:34: Market Correction and Stability
00:17:51: Lessons Learned in Real Estate
00:19:36: Taking Risks and Recognizing Commonality
00:20:32: Tips for Success in Real Estate

About Maria Quattrone:

Maria Quattrone, Founder/CEO of Maria Quattrone and Associates of RE/MAX @ HOME, is a leading real estate executive with over 30 years of sales and marketing experience in the Philadelphia area. In addition to her notable real estate career, Maria also works tirelessly as an investor, public speaker, visionary, podcast host, and successful entrepreneur.

A Philadelphia native, Maria attended Temple University and later founded her company, Maria Quattrone & Associates in 2005. Along with her hand-picked team of veteran professionals, Maria strives to provide quality service that always puts the customer first unlike her competitors who are simply transactional in their approach. With that approach and the understanding that it takes an expert, Maria and her team create multiple avenues of communication based on not only netting sellers the highest value for their properties but also providing buyers with a life-changing experience they’ve only dreamed of. Drawing upon decades of experience and knowledge, their operating paradigm is powered by market-specific information, cutting-edge innovation, and an unrivaled client database.

Find Maria on:

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

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

Facebook: https://www.facebook.com/REMAXatHOME Youtube: https://www.youtube.com/@mariaquattrone3193

Average Joe Finances®

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

About Mike: https://themikecav.com

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Join Mike Cavaggioni with Kyle Root on the 205th episode of the Average Joe Finances Podcast. Kyle shares his secrets to scaling his portfolio from 0 to 70 units in just 2 years, all without the help of joint ventures or syndications.

In this episode, you’ll learn:

  • Potent strategies for real estate investing that promote steady portfolio expansion and healthy cash influx.
  • Shifting your mental framework towards successfully tackling challenges faced in real estate investing.
  • Impacts of employing technology and efficient procedures on enhancing real estate enterprise operations.
  • Importance of continuous learning, guidance, and personal growth in paving a path to real estate success.
  • And much more!

Key moments:

00:01:22 - Kyle's Background

00:04:08 - Transition to Real Estate

00:06:25 - House Hacking and BRRRR Strategy

00:08:32 - Scaling with Hard Money

00:10:34 - Adapting and Improving

00:11:05 - Limited Traditional Financing,

00:12:15 - Kyle's Creative Financing Strategy

00:13:44 - Taking Action in Real Estate

00:16:21 - Kyle's Team Structure

00:18:09 - Dealing with Permitting Challenges
00:20:29 - Overcoming Obstacles and Shifting Mindset

00:25:21 - Overcoming Challenges and Finding Motivation

00:27:10 - The Power of Failure

00:27:55 - The Importance of Property Managers

00:29:16 - Building Custom Software for Tracking
00:37:42 - The Importance of Doing the Right Thing
00:41:06 - The Value of Hard Work and Persistence,

About Kyle Root:

Kyle started buying real estate in 2020. He was able to go from 0-70 units in 2 years without using any type of syndication or joint ventures. At 26 he left his W2 job. Now, at 28, he continues to scale his real estate business and coach others to do the same with little money into it. His goal is to help others understand their full potential. This can be accomplished through many different ventures. For Kyle, it was real estate investing. While Kyle does enjoy talking about real estate most of all he enjoys talking about the importance of daily habits, discipline, overcoming obstacles, and building a life worth living!!

Find Kyle on:

Website: https://kylejroot.com/

Instagram: https://instagram.com/kj_root

TikTok: https://tiktok.com/@kj_root

Average Joe Finances®

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

About Mike: https://themikecav.com

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

DISCLAIMER www.averagejoefinances.com/disclaimer

See our full episode transcripts here: www.averagejoefinancespod.com/episodes

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Join Mike Cavaggioni with Shelly Blancq on the 203rd episode of the Average Joe Finances Podcast. Shelly shares how middle-class individuals can achieve free travel and financial goals through responsible credit card use.

In this episode, you’ll learn:

  • Acquire the knowledge to master personal finance for the purpose of funding your dream travels.
  • How to optimize credit card rewards to secure accessible and exciting travel experiences.
  • The importance of credit card responsibility to evade falling into a debt trap.
  • Tips and tactics to excel in travel hacking and collect points effectively.
  • The profound benefits of expanding your horizons through travel
  • And much more!

Key moments:

00:00:52 - Shelley's Background and Financial Journey
00:03:47 - Discovering Travel Hacking
00:08:24 - Building Financial Security
00:09:39 - The Next Steps in Travel Hacking
00:14:23 - Player One and Player Two Strategy
00:19:52 - Successful Travel Hacking Examples
00:26:12 - Opening Multiple Credit Cards
00:28:13 - Considerations for Real Estate and Mortgage
00:29:02 - Paying Off Credit Card Balances
00:33:48 - Additional Benefits of Travel Credit Cards

About Shelly Blancq:

From the theater classrooms of the University of Memphis to educational platforms sharing financial literacy, Shelly Blancq's narrative is as exciting as it is inspiring.

In her adolescence, the economic downturn of 2008 led her to take the reins of her family's financial health, sparking an interest in personal finance. Little did she know it would soon turn into a resourceful instrument to embrace her passion—travel.

Shelly cracked the code of leveraging credit card rewards to make traveling an easily attainable dream without compromising her financial wellness. Today, she encourages others to transform their aspirations into reality with the same practical knowledge.

Find Shelly on:

Website: https://www.travelmorepodcast.com

Instagram: https://instagram.com/thetravelmores.

Linkedin: https://www.linkedin.com/in/shelly-blancq-831195278/

Average Joe Finances®

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

About Mike: https://themikecav.com

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

DISCLAIMER www.averagejoefinances.com/disclaimer

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Join Mike Cavaggioni with Jerry Fetta on the 202nd episode of the Average Joe Finances Podcast. Jerry shares the key steps and strategies that will enable you to attain the desired outcome of complete financial independence.

In this episode, you’ll learn:

  • The journey towards financial freedom through education and responsibility.
  • Exercising due diligence to maximize profits in private fund investing.
  • The concept of real estate investment strategies and their ability to catapult your financial success.
  • Valuable insights into the world of leveraging debt and credit to foster wealth.
  • The steps needed to assemble a steady passive income flow through the utilization of hard assets.
  • And much more!

Key moments:

00:01:38 - Jerry's Background
00:03:14 - Rebuilding and Rebranding
00:08:13 - Lessons Learned
00:11:23 - Ignoring Red Flags
00:12:53 - Volatility in Different Markets
00:14:09 - Taking Responsibility and Avoiding Victim Mentality
00:18:23 - Learning from Mistakes and Maintaining a Positive Mindset
00:20:29 - Investing in Hard Assets and Turnkey Properties
00:26:04 - Importance of Due Diligence and Inspections
00:27:39 - The Risks of Waiving Inspections
00:29:09 - The Benefits of Inspections and Risk Management
00:30:10 - Protecting Your Assets and Liability Insurance
00:35:06 - Importance of Building Knowledge and Saving

About Jerry Fetta:

Jerry Fetta Is the CEO and Founder of Wealth DynamX. He is a published author, successful entrepreneur, investor, and a nationally recognized financial expert featured in Forbes, Yahoo Finance, Fox, Chicago Weekly News, and New York Finance, earning endorsements and affiliations throughout his career with names like Grant Cardone, Dave Ramsey, and Pamela Yellen. Jerry’s mission in life is to help create millions of financially educated and solvent families achieving greater financial freedom and sharing the truth about money with those around them.

Find Jerry on:

Website: www.wealthdynamx.com

Facebook: https://www.facebook.com/jerry.fetta

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

LinkedIn: https://www.linkedin.com/in/jerry-fetta/

Twitter: https://twitter.com/JerryFetta

Average Joe Finances®

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

About Mike: https://themikecav.com

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

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Join Mike Cavaggioni with Cole Shephard on the 201st episode of the Average Joe Finances Podcast. Cole shares how the Legacy Group rose to $50 million of assets under management and the investment opportunity for high-net-worth investors in the private company space.

In this episode, you’ll learn:

  • The promising opportunities in international impact investing, with a focus on Latin America.
  • How Green Coffee Company is revolutionizing sustainable farming and creating valuable byproducts.
  • Legacy Group's proven investment approach is designed to benefit accredited investors.
  • The value of experience and historical cycles to make sound investment decisions.
  • And much more!

Key moments:

00:00:43 - Cole's Background
00:04:40 - Green Coffee Company
00:05:40 - Coffee Production and Land Acquisition
00:11:13 - Legacy Group
00:13:35 - Creating Talent in Colombia
00:15:10 - Investment Offerings for Accredited Investors
00:19:13 - Positive Social and Environmental Impact
00:21:16 - Creating a Sustainable Ecosystem
00:24:42 - Value of Byproducts
00:26:38 - Importance of Corporate Responsibility
00:28:10 - Importance of Experience
00:29:59 - Tips for New Investors
00:32:29 - Book Recommendation
00:35:18 - Importance of Skin in the Game

About Cole Shephard:

Cole Shephard is the founding partner of the alternative investment firm, Legacy Group, and the founder and a board member at the Green Coffee Company, Colombia's largest coffee producer. As a PwC alum working in accounting, advisory, M&A, and consulting across the United States, Bermuda, Hong Kong, and Beijing.

Cole is an expert in emerging markets and understanding the capital movements of high-net-worth investors. Cole is based in Medellin, Colombia.

Find Cole on:

Website: https://legacy-group.co/

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

LinkedIn: https://www.linkedin.com/in/cole-shephard-67b1a51a/?originalSubdomain=co

Youtube: https://www.youtube.com/@legacygroup9109/videos

Average Joe Finances®

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

About Mike: https://themikecav.com

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

DISCLAIMER www.averagejoefinances.com/disclaimer

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Join Mike Cavaggioni with Leisa Peterson on the 200th episode of the Average Joe Finances Podcast. Leisa shares her journey from a scarcity to an abundance mindset, highlighting the power of mindfulness and investing in oneself.

In this episode, you’ll learn:

  • The insights on embracing mindfulness practices for a fulfilling and prosperous life.
  • Understand the impact of self-investment on achieving long-term financial freedom.
  • The benefits of semi-retirement and generating passive income for improved financial stability.
  • Identify and overcome mental barriers and past traumas to clear the path to financial achievement.
  • Utilize failure as a crucial element for moving towards financial aspirations.
  • And much more!

Key moments:

00:01:31 - Leisa's Background
00:07:12 - Mindset Shifts
00:10:42 - Investing in Yourself
00:12:25 - Self-Care
00:14:58 - Reevaluating Your "Why"
00:17:05 - The Freedom of Being Semi-Retired
00:22:31 - Preparing for Life After Empty Nesting
00:24:08 - Letting Go and Being Courageous
00:25:27 - Exploring New Possibilities
00:29:32 - Committing to Learning
00:31:22 - Helping Visionaries
00:33:35 - Thinking Big
00:35:22 - Authority on Finances
00:39:27 - Becoming More Confident

About Leisa Peterson:

Leisa Peterson is THE Mindful Millionaire Maker. She helps inspired business owners become game-changers in their field and achieve million-dollar breakthroughs. She does this using mindfulness strategies combined with business-building practices.

Leisa’s a passive income specialist, “one-to-many” business coach, author of The Mindful Millionaire, and podcaster who inspires people worldwide to create a prosperous life.

Noted in Forbes as one of 10 Women Driving Growth in Wealth Management and Investing, Leisa has appeared in The Wall Street Journal, FastCompany, The Week, and Huffington Post. She has been featured on many podcasts and radio shows.

Find Leisa on:

Website: https://www.wealthclinic.com/

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

LinkedIn: https://www.linkedin.com/in/leisapeterson1/

Facebook: https://www.facebook.com/leisa.peterson/

Twitter: https://twitter.com/leislooski

Leisa’s Book: https://www.mindfulmillionairebook.com/

Average Joe Finances®

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

About Mike: https://themikecav.com

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

DISCLAIMER www.averagejoefinances.com/disclaimer

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Join Mike Cavaggioni with Chris Giorgi on the 199th episode of the Average Joe Finances Podcast. Chris shares how adopting the velocity mindset can lead to successful investing and financial freedom.

In this episode, you’ll learn:

  • The unique challenges and opportunities of real estate investing while living abroad.
  • The significance of assembling a trustworthy team for remote investing success.
  • Gain insight on maintaining discipline and patience for long-term real estate investment growth.
  • Uncover creative financing strategies to expand your property portfolio.
  • Understand the role of education, networking, and a clear purpose in achieving investment objectives.
  • And much more!

About Chris Giorgi:

Chris Giorgi is a former Army officer who transitioned from the Army in 2019 while stationed in Germany, where he still lives with his family and works for a US Defense Contracting company. He started saving/investing when he was 15 and used those funds to make most of the purchases in 2018-2020.

After learning about the Velocity of Money concept, he has sold some of his less-performing properties and transitioned into potentially more lucrative syndication deals. He enjoys helping others to see the value in REI and looks forward to the day, hopefully in the near future, when he can walk away from his W2 and start living on his own terms.

Find Chris on:

LinkedIn: https://www.linkedin.com/in/christopher-giorgi/

Average Joe Finances®

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

About Mike: https://themikecav.com

REWBCON: Join me at the Real Estate Wealth Builders Conference. Use promo code “Mike” to save 10% on tickets. https://averagejoefinances.com/rewbcon

Important Tools and Resources that I Use

Financial Resources: www.averagejoefinances.com/resources

CRM Tool: www.averagejoefinances.com/crm

Pay Off Your Mortgage in 5-7 Years:

www.theshredmethod.com/averagejoefinances

https://bit.ly/replaceyourmortgage

Find a REALTOR® in any state: www.averagejoefinances.com/realtor

Make Real Estate Investing Easier with DealMachine:

www.averagejoefinances.com/dealmachine

Podcast Hosting: www.averagejoefinances.com/buzzsprout

Podcast Editing Services: www.editpods.com

DISCLAIMER www.averagejoefinances.com/disclaimer

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Join Mike Cavaggioni with Dani Beit-Or on the 198th episode of the Average Joe Finances Podcast. Dani shares how he empowers both beginners and seasoned investors to optimize their real estate investment in today’s 2023 market.

In this episode, you’ll learn:

  • Most effective strategies for successful real estate investing in the current market
  • How real estate investors mitigate risk in today’s environment
  • The most important factors to consider when investing in real estate
  • The biggest challenges and opportunities for real estate investors right now?
  • And much more!

About Dani Beit-Or:

Drawing upon 18 years of investing experience in US real estate, Dani leverages his expertise to facilitate financial growth for investors at all levels, from novices to seasoned professionals.

Since 2004, he has collaborated with hundreds of investors on nearly 5,000 transactions, enabling them to cultivate robust property portfolios across a variety of US metropolitan markets.

Dani's extensive experience during the 2008 market downturn catalyzed the refinement of his investment strategies and deepened his comprehension of the real estate landscape, knowledge which he imparts to others through his speaking engagements and educational programs.

Find Dani on:

Website: http://simplydoit.net/

Youtube: https://www.youtube.com/simplydoit1

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

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

Average Joe Finances®

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

About Mike: https://themikecav.com

REWBCON: Join me at the Real Estate Wealth Builders Conference. Use promo code “Mike” to save 10% on tickets. https://averagejoefinances.com/rewbcon

Important Tools and Resources that I Use

Financial Resources: www.averagejoefinances.com/resources

CRM Tool: www.averagejoefinances.com/crm

Pay Off Your Mortgage in 5-7 Years:

www.theshredmethod.com/averagejoefinances

https://bit.ly/replaceyourmortgage

Find a REALTOR® in any state: www.averagejoefinances.com/realtor

Make Real Estate Investing Easier with DealMachine:

www.averagejoefinances.com/dealmachine

Podcast Hosting: www.averagejoefinances.com/buzzsprout

Podcast Editing Services: www.editpods.com

DISCLAIMER www.averagejoefinances.com/disclaimer

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Join Mike Cavaggioni with Eric McDonald on the 197th episode of the Average Joe Finances Podcast. Eric shares the current global economic climate, underlined by an energy crisis, inflation, and market uncertainties, and explores why investors are turning to crypto as a potential safe haven.

In this episode, you’ll learn:

  • Why investors are getting exposure to crypto in these uncertain times.
  • Cryptocurrency trading for beginners, and why and how to automatically trade crypto.
  • Lessons for crypto leaders and investors from the collapse of the cryptocurrency exchange FTX.
  • The future of cryptocurrency in 2023 and beyond.
  • And so much more!

About Eric McDonald

Eric is the CEO and Board Chairman of CoinLion, a cryptocurrency auto trading platform that makes it super simple for anyone to invest in crypto.

They have executed 530K+ trades worth $1B+ and made investors $4M+ in profit to date.

Many people are interested in investing in cryptocurrencies, but they're afraid to do so because they don't fully understand the complex crypto market, or where to even begin.

Eric is passionate about building outstanding teams that develop great products that are centered on the needs and wants of customers. He spent 19 years as the Founder and CEO of the urgent care software company DocuTAP (now Experity) before joining CoinLion.

Eric led the business through explosive growth, multiple fundraising rounds (including with Warburg Pincus and Bessemer Venture Partners), several acquisitions, and a successful merger with its biggest competitor. That combined company was acquired again for $1B+ in 2019.

Beyond CoinLion, Eric also sits on the boards of a few other innovative tech businesses, including Phraze.AI, Journey Tellr, and SideCar.

Find Eric on:

Website: https://www.coinlion.com/

Facebook: https://www.facebook.com/CoinLion.official/

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

Average Joe Finances®

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

About Mike: https://themikecav.com

REWBCON: Join me at the Real Estate Wealth Builders Conference. Use promo code “Mike” to save 10% on tickets. https://averagejoefinances.com/rewbcon

Important Tools and Resources that I Use

Financial Resources: www.averagejoefinances.com/resources

CRM Tool: www.averagejoefinances.com/crm

Pay Off Your Mortgage in 5-7 Years:

www.theshredmethod.com/averagejoefinances

https://bit.ly/replaceyourmortgage

Find a REALTOR® in any state: www.averagejoefinances.com/realtor

Make Real Estate Investing Easier with DealMachine:

www.averagejoefinances.com/dealmachine

Podcast Hosting: www.averagejoefinances.com/buzzsprout

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Join Mike Cavaggioni with Barbara Sloan on the 196th episode of the Average Joe Finances Podcast. Barbara shares her tips and knowledge on managing the fluctuating income of the service industry and helps people in the service industry manage their finances better.

In this episode, you’ll learn:

  • How Service Industry Professionals are left out of wealth building.
  • How people without access to employer-provided benefits can set up their own benefit systems.
  • Scanning your environment for hazards that may be sabotaging your financial goals.
  • Free and low-cost ways to work on an abundance mindset.
  • And so much more!

About Barbara Sloan:

Barbara Sloan is the author of the book Tipped: The life-changing guide to financial freedom for Waitresses, bartenders, strippers, and all other service industry Professionals. A homeless teen, who danced for dollars, and definitely did not graduate from college. She is now a personal finance expert and money coach who spent two decades working in every imaginable position in the Service Industry nationwide.

In addition to owning and running a badass women-owned Construction company in the heart of Manhattan, she helps Tipped workers achieve Financial Freedom as she did. She is passionate about all of the amazing aspects of Tipped work and passionate about all of the terrible aspects of Tipped work.

Find Sloan on:

Website: https://www.tippedfinance.com/

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

Twitter: https://twitter.com/tippedfinance

Facebook: https://www.facebook.com/profile.php?id=100072006440651

Average Joe Finances®

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

About Mike: https://themikecav.com

REWBCON: Join me at the Real Estate Wealth Builders Conference. Use promo code “Mike” to save 10% on tickets. https://averagejoefinances.com/rewbcon

Important Tools and Resources that I Use

Financial Resources: www.averagejoefinances.com/resources

CRM Tool: www.averagejoefinances.com/crm

Pay Off Your Mortgage in 5-7 Years:

www.theshredmethod.com/averagejoefinances

https://bit.ly/replaceyourmortgage

Find a REALTOR® in any state: www.averagejoefinances.com/realtor

Make Real Estate Investing Easier with DealMachine:

www.averagejoefinances.com/dealmachine

Podcast Hosting: www.averagejoefinances.com/buzzsprout

Podcast Editing Services: www.editpods.com

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Join Mike Cavaggioni with Kyle Kuderewski on the 195th episode of the Average Joe Finances Podcast. Kyle offers a unique look into online business investing through Webstreet. He shares valuable insights about the operators for Webstreet and how their industry expertise helps achieve positive returns.

In this episode, you’ll learn:

  • What is WebStreet and how does it work?
  • Types of online businesses offered by WebStreet
  • Why online businesses are a great alternative asset class and how WebStreet provides access to it
  • Portfolio Managers - how do we select them, the vetting process + what happens
  • Timeline of investing to selling of business and why it is recommended to diversify
  • And so much more!

About Kyle Kuderewski:

Kyle is a dedicated Operations Manager at WebStreet, where he has utilized his engineering expertise and valuable experience in corporate America for several years.

His transition into the vacation rental industry sparked a passion for generating passive income.

During this exploration, Kyle came across Empire Flippers and their investing division, now known as WebStreet (formerly Empire Flippers Capital).

He has been actively involved in various job roles such as engineering, marketing, legal, tax, and investor relations.

Find Kyle on:

Website: https://webstreet.co/

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

Twitter: https://twitter.com/EFCap_Kyle

Average Joe Finances®

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

About Mike: https://themikecav.com

REWBCON: Join me at the Real Estate Wealth Builders Conference. Use promo code “Mike” to save 10% on tickets. https://averagejoefinances.com/rewbcon

Important Tools and Resources that I Use

Financial Resources: www.averagejoefinances.com/resources

CRM Tool: www.averagejoefinances.com/crm

Pay Off Your Mortgage in 5-7 Years:

www.theshredmethod.com/averagejoefinances

https://bit.ly/replaceyourmortgage

Find a REALTOR® in any state: www.averagejoefinances.com/realtor

Make Real Estate Investing Easier with DealMachine:

www.averagejoefinances.com/dealmachine

Podcast Hosting: www.averagejoefinances.com/buzzsprout

Podcast Editing Services: www.editpods.com

DISCLAIMER www.averagejoefinances.com/disclaimer

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Join Mike Cavaggioni with Leslie Anne Morris on the 194th episode of the Average Joe Finances Podcast. Leslie Anne shares her expertise and strategies to motivate others and create a passive income in short-term rentals.

In this episode, you’ll learn:

  • Find the Who & Get Started in Real Estate Investing
  • Current Environment in the Smoky Mountain Short-Term Rentals
  • The underwriting metrics of Passive Investing in Short Term Rentals
  • Why are there only 31% of women real estate investors and how can we change this
  • And so much more!

About Leslie Anne Morris:

Leslie Anne Morris began her Smoky Mountain investing journey while earning her MBA at the University of Southern California and working in Los Angeles as a commercial banker. For over twenty years, Leslie helped high-profile clients like SpaceX and closed a $50 million private equity deal. She applies the same underwriting strategy to building her growing real estate portfolio.

From the minute she closed on her first investment cabin in 2019, she knew she had made the right choice. The cash flow allowed her to rapidly scale her portfolio to double digits and a value of $7 million in less than three years. Besides that, Leslie fell in love with Tennessee and moved there in 2020. She quickly founded two sister companies; a property acquisition company, Invest in the Smoky Mountains, and Josh’s Cabins Management, a full-service property management company. Her one-stop shop allows out-of-state investors an opportunity to create passive income by offering concierge-style service to guests without the hassle of self-management.

She travels extensively throughout the United States as a highly sought-after motivational speaker focusing on the incredibly lucrative short-term rental asset class. Recognizing the lack of women real estate investors, Leslie has made it her mission to be a driving force to empower women to begin real estate investing. She aims to empower 1,000 women to become millionaires by investing in short-term rentals. She has been featured on ABC, NBC, Fox, and CBS networks. In addition, she is a popular guest on highly-rated real estate podcasts and most recently was highlighted by the Tennessee Department of Tourism Board.

Find Leslie on:

Website: https://leslieannemorris.com/

Instagram: https://www.instagram.com/leslie.anne.morris/

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

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

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

Average Joe Finances®

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

About Mike: https://themikecav.com

REWBCON: Join me at the Real Estate Wealth Builders Conference. Use promo code “Mike” to save 10% on tickets. https://averagejoefinances.com/rewbcon

Important Tools and Resources that I Use

Financial Resources: www.averagejoefinances.com/resources

CRM Tool: www.averagejoefinances.com/crm

Pay Off Your Mortgage in 5-7 Years:

www.theshredmethod.com/averagejoefinances

https://bit.ly/replaceyourmortgage

Find a REALTOR® in any state: www.averagejoefinances.com/realtor

Make Real Estate Investing Easier with DealMachine:

www.averagejoefinances.com/dealmachine

Podcast Hosting: www.averagejoefinances.com/buzzsprout

Podcast Editing Services: www.editpods.com

DISCLAIMER www.averagejoefinances.com/disclaimer

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Join Mike Cavaggioni with Jon Ostenson on the 193rd episode of the Average Joe Finances Podcast. Jon shares his knowledge and thoughts on utilizing a franchise in various ways: as a career choice, a business venture, a part-time endeavor, or a financial investment.

In this episode, you’ll learn:

  • Why franchising is often a better path to business ownership vs. startups and acquisitions.
  • The many areas of franchise opportunity outside of food and lodging.
  • The financials of franchising: cost, revenue, and profit potential.
  • Why real estate investors are a great fit for franchising, and how these investors can select the right franchise
  • And so much more!

About Jon Ostenson:

Jon is a top 1% national franchise broker, investor, author, and international speaker specializing in the area he has coined as ‘Non-Food Franchising’. Having served as the President of an Inc. 500 franchise system and now as a multi-brand franchisee, himself, Jon is uniquely positioned to educate others on franchising and franchise selection.

Jon serves as CEO of FranBridge Consulting and has helped thousands of entrepreneurs and investors explore business ownership and investment opportunities.

Jon is the author of the book “Non-Food Franchising’’ and is a frequent contributor and thought leader for publications on franchising and franchise investments. Before FranBridge, Jon was the President of ShelfGenie, a national franchise system with 200+ locations.

Find Justin on:

Website: https://franbridgeconsulting.com/

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

Average Joe Finances®

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

About Mike: https://themikecav.com

REWBCON: Join me at the Real Estate Wealth Builders Conference. Use promo code “Mike” to save 10% on tickets. https://averagejoefinances.com/rewbcon

Important Tools and Resources that I Use

Financial Resources: www.averagejoefinances.com/resources

CRM Tool: www.averagejoefinances.com/crm

Pay Off Your Mortgage in 5-7 Years:

www.theshredmethod.com/averagejoefinances

https://bit.ly/replaceyourmortgage

Find a REALTOR® in any state: www.averagejoefinances.com/realtor

Make Real Estate Investing Easier with DealMachine:

www.averagejoefinances.com/dealmachine

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Join Mike Cavaggioni with Justin Moy on the 192nd episode of the Average Joe Finances Podcast. Justin shares his experience and expertise in building wealth through apartment syndications and helping investors invest passively in this sought-after asset class.

In this episode, you’ll learn:

  • Tax advantages of investing in real estate
  • Why can't people rely on traditional retirement accounts anymore?
  • Passive ways of investing in real estate
  • The most significant risks in investing in real estate or a syndication
  • And so much more!

About Justin Moy:

Justin has been in real estate as a career in his entire professional life. He started out selling single-family homes in the 3rd most competitive market in the country and was able to become a top producer within his 2nd year at the largest firm in the area.

Through that experience, Justin realized there was a difference between being rich and being wealthy. He started to look for ways to turn my high transactional income into long-term wealth so I could start to buy back my time.

When he learned about apartment syndications, everything clicked for him. It provided a significantly quicker time to large financial returns than investing in SFHs, it provided a truly passive form of real estate investing, and it provided the ability to leverage the knowledge and time of industry experts.

After Justin discovered this niche in passive real estate investing,he dove in with both feet, now doing everything he can to spread the word about this investing type because he truly believes if all career-driven professionals understood it and knew about it, there isn’t anyone who wouldn’t participate.

Find Justin on:

Website: https://thedefinitiveguidebook.com

LinkedIn: https://www.linkedin.com/in/passive-realestate-investing/

Average Joe Finances®

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

About Mike: https://themikecav.com

REWBCON: Join me at the Real Estate Wealth Builders Conference. Use promo code “Mike” to save 10% on tickets. https://averagejoefinances.com/rewbcon

Important Tools and Resources that I Use

Financial Resources: www.averagejoefinances.com/resources

CRM Tool: www.averagejoefinances.com/crm

Pay Off Your Mortgage in 5-7 Years:

www.theshredmethod.com/averagejoefinances

https://bit.ly/replaceyourmortgage

Find a REALTOR® in any state: www.averagejoefinances.com/realtor

Make Real Estate Investing Easier with DealMachine:

www.averagejoefinances.com/dealmachine

Podcast Hosting: www.averagejoefinances.com/buzzsprout

Podcast Editing Services: www.editpods.com

DISCLAIMER www.averagejoefinances.com/disclaimer

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Join Mike Cavaggioni with Patrick Grimes on the 191st episode of the Average Joe Finances Podcast. Patrick shares how to truly diversify your real estate investments with non-correlated assets, and partner up for effective scaling.

In this episode, you’ll learn:

  • Understand the importance of diversifying real estate investments and integrating non-correlated assets for risk reduction.
  • Gain insights into the advantages of forming partnerships in real estate investing to maximize growth.
  • Uncover the key role education and networking play in enhancing personal finance knowledge.
  • Embrace the process of taking action and starting small to excel in personal finance management.
  • And so much more!

About Patrick Grimes:

Patrick has fifteen years of experience in active real estate investment: purchasing distressed assets, renovating, and stabilizing for long-term cash flow. His portfolio includes controlling ownership over 4000 units in emerging markets across Texas and the South Eastern United States.

In addition to his real estate experience, Patrick holds a Bachelor of Science in Mechanical Engineering from the University of the Pacific, and a Master of Business Administration and a Master of Science in Engineering from San Jose State University. He has spent 15 years in corporate America working for machine design firms to concept, design, and build one-of-a-kind custom manufacturing automation and robotic systems. In addition to working closely with the technical engineering teams, he travels globally to negotiate contracts and secure multi-million dollar investments for automation programs. He has leveraged his corporate experience and real estate knowledge to help pave the way for future success.

Find Patrick on:

Website: https://investonmainstreet.com/

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

Average Joe Finances®

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

About Mike: https://themikecav.com

REWBCON: Join me at the Real Estate Wealth Builders Conference. Use promo code “Mike” to save 10% on tickets. https://averagejoefinances.com/rewbcon

Important Tools and Resources that I Use

Financial Resources: www.averagejoefinances.com/resources

CRM Tool: www.averagejoefinances.com/crm

Pay Off Your Mortgage in 5-7 Years:

www.theshredmethod.com/averagejoefinances

https://bit.ly/replaceyourmortgage

Find a REALTOR® in any state: www.averagejoefinances.com/realtor

Make Real Estate Investing Easier with DealMachine:

www.averagejoefinances.com/dealmachine

Podcast Hosting: www.averagejoefinances.com/buzzsprout

Podcast Editing Services: www.editpods.com

DISCLAIMER www.averagejoefinances.com/disclaimer

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Join Mike Cavaggioni with Brad Barrett on the 190th episode of the Average Joe Finances Podcast. Brad shares the objective numbers when it comes to achieving financial independence before traditional retirement.

In this episode, you’ll learn:

  • What do most people get wrong about money
  • How Money plays on our emotions and investing
  • 2023 Investing Themes
  • How does somebody make their money matter?
  • And so much more!

About Brad Barrett:

Brad Barrett is a Managing Director and Partner at One Capital Management, LLC, a private wealth advisory firm managing $5 Billion in Assets. With nearly 20 years of experience in the financial services industry, he is passionate about finding new ways to educate investors.

Having the heart of a teacher, he shares his knowledge and experience through his weekly YouTube, Podcast, and Radio Show, “Make Your Money Matter”. His show aims to change the way people think about financial advice, so they can make better decisions with their money.

A sought-after public speaker, Brad has educated thousands of people planning for financial freedom across the country. His book, Retire Right, hit the shelves in 2021 and serves as a guideline for aligning goals and objectives when it comes to investment and financial planning.

Find Brad on:

Website: www.onecapital.com

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

YouTube: https://www.youtube.com/@makeyourmoneymatter

Average Joe Finances®

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

About Mike: https://themikecav.com

REWBCON: Join me at the Real Estate Wealth Builders Conference. Use promo code “Mike” to save 10% on tickets. https://averagejoefinances.com/rewbcon

Important Tools and Resources that I Use

Financial Resources: www.averagejoefinances.com/resources

CRM Tool: www.averagejoefinances.com/crm

Pay Off Your Mortgage in 5-7 Years:

www.theshredmethod.com/averagejoefinances

https://bit.ly/replaceyourmortgage

Find a REALTOR® in any state: www.averagejoefinances.com/realtor

Make Real Estate Investing Easier with DealMachine:

www.averagejoefinances.com/dealmachine

Podcast Hosting: www.averagejoefinances.com/buzzsprout

Podcast Editing Services: www.editpods.com

DISCLAIMER www.averagejoefinances.com/disclaimer

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Join Mike Cavaggioni with Alex Olson on the 189th episode of the Average Joe Finances Podcast. Alex shares how he was able to help clients identify and close real estate transactions in the Kansas City market through the 1031 exchange process

In this episode, you’ll learn:

  • The benefits of 1031 exchanges
  • The importance of education when it comes to 1031 exchanges
  • Current real estate market sediments and what you need to know before investing
  • Why 1031 exchange is less market dependent and its benefits
  • Preparation criteria that Alex looks for before helping a client start the 1031 process
  • And so much more!

About Alex Olson:

Alex is an established commercial real estate agent who assists buyers in navigating multifamily property investments throughout Kansas and Missouri. Alex has a breadth of knowledge in acquiring and managing commercial real estate as an investor himself. With an extensive portfolio and over 15 years of experience, he has built a system to ensure buyers succeed; the Buyer Representation Success System (BRSS). He insightfully serves his clients by identifying opportunities and maximizing value in the disposition. In 2021 alone, Alex completed over 30 transactions in the multifamily and NNN (triple net lease) investment space resulting in over $40 million sold.

As an expert in the complex subject of 1031 Exchange, Alex has been a highly sought-after podcast guest across the country. He effortlessly explains how (in-state and out-of-state) investors can maximize their 1031 exchange transactions and avoid capital gains taxes through identifying cash-flowing deals, developing a trusted team, and ensuring that their 1031 exchange money is secure. Alex has built a solid reputation by going above and beyond for his clients. He takes the time to understand their real estate goals and develop strategies for the greatest return.

Find Alex on:

Website: https://xchangecre.com/

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

Average Joe Finances®

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

About Mike: https://themikecav.com

Important Tools and Resources that I Use

Financial Resources: www.averagejoefinances.com/resources

CRM Tool: www.averagejoefinances.com/crm

Pay Off Your Mortgage in 5-7 Years:

www.theshredmethod.com/averagejoefinances

https://bit.ly/replaceyourmortgage

Find a REALTOR® in any state: www.averagejoefinances.com/realtor

Make Real Estate Investing Easier with DealMachine:

www.averagejoefinances.com/dealmachine

Podcast Hosting: www.averagejoefinances.com/buzzsprout

Podcast Editing Services: www.editpods.com

DISCLAIMER www.averagejoefinances.com/disclaimer

See our full episode transcripts here: www.averagejoefinancespod.com/episodes

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Join Mike Cavaggioni with Jonathan New on the 188th episode of the Average Joe Finances Podcast. Jonathan shares about accomplishing big goals through teamwork, scaling up from single-family to $100m+ AUM of multi-family, and life balance/stress management.

In this episode, you’ll learn:

  • Finding your work-life balance while investing in multi-family
  • Technicalities of Property management, in-house and out
  • How to determine the perfect roles for each team member
  • How to find the right deal for your business
  • And so much more!

About Jonathan New:

Jonathan, originally from Anniston, AL, graduated from Auburn University in 2004 with a degree in Psychology and received his commission as an Ensign in the US Navy. During his 17 years of Naval service, he also earned his Master of Science in Defense Analysis from the Naval Postgraduate School in Monterey, CA.

During his Navy career, he has had the privilege to lead a department of 226 Sailors while managing an annual budget of $6.5M. In 2007, Jonathan bought his first house while stationed in Jacksonville, FL. He rented this house while stationed in Japan, Hawaii, San Diego, Monterey, Rhode Island, Washington DC, and Virginia.

20.06M of investor capital to actively acquire real estate in the Hampton Roads, VA area, accomplishing 13 single family flips, developing 21 single family rentals, closing seven multi-family syndications of 396 units total, including a 104-unit acquisition with Phil Capron, and overseeing $8.43M in renovations in both residential and commercial real estate.

As of March 2022, Jonathan’s total portfolio accounts for $61.8M AUM.

Jonathan is a two-time guest on Anthony Pinto’s “The Lessons in Real Estate Show,” Active Duty Passive Income’s podcast, a founding member of Alex Breshear’s Private Lending Lessons Group, a frequent presenter in ThInk’s local investor meetups, and is a mentor to several budding entrepreneurs estate, he has added 8 commercial cash-flowing properties to his portfolio.

Find Jonathan on:

Website: www.fwcinvestments.com

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

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

Youtube: https://www.youtube.com/channel/UC3HcDQEEuKsS6GsibsinDDA

LinkedIn:

https://www.linkedin.com/company/fair-winds-capital-investments/ https://www.linkedin.com/in/jonathan-new-6800471b5/

Average Joe Finances®

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

About Mike: https://themikecav.com

REWBCON: Join me at the Real Estate Wealth Builders Conference. Use promo code “Mike” to save 10% on tickets. https://averagejoefinances.com/rewbcon

Important Tools and Resources that I Use

Financial Resources: www.averagejoefinances.com/resources

CRM Tool: www.averagejoefinances.com/crm

Pay Off Your Mortgage in 5-7 Years:

www.theshredmethod.com/averagejoefinances

https://bit.ly/replaceyourmortgage

Find a REALTOR® in any state: www.averagejoefinances.com/realtor

Make Real Estate Investing Easier with DealMachine:

www.averagejoefinances.com/dealmachine

Podcast Hosting: www.averagejoefinances.com/buzzsprout

Podcast Editing Services: www.editpods.com

DISCLAIMER www.averagejoefinances.com/disclaimer

See our full episode transcripts here: www.averagejoefinancespod.com/episodes

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Join Mike Cavaggioni with CJ Calio on the 187th episode of the Average Joe Finances Podcast. CJ shares his journey from residential to commercial properties and the mental and emotional challenges he faced to become a full-time investor.

In this episode, you’ll learn:

  • Leveraging your portfolio using the different strategies
  • The importance of mentorship in achieving financial success through real estate
  • The essential in building trust and successful partnerships
  • How to expand comfort zones to be successful
  • And so much more!

About CJ Calio:

C.J. is an out-of-state investor specializing in cashflow and the buy-and-hold strategy. One of the tools he has used over the years to grow his portfolio to over 90 doors is the BRRRR method.

He has now taken the experience and knowledge of doing the BRRRR in residential and carried it into commercial real estate. Since jumping into commercial real estate, he has added 8 commercial cash-flowing properties to his portfolio.

Find CJ on:

Website: https://wnnproperties.com/

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

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

Youtube: https://www.youtube.com/channel/UC4JunvMppOQqzpmtr0Zseag

Average Joe Finances®

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

About Mike: https://themikecav.com

REWBCON: Join me at the Real Estate Wealth Builders Conference. Use promo code “Mike” to save 10% on tickets. https://averagejoefinances.com/rewbcon

Important Tools and Resources that I Use

Financial Resources: www.averagejoefinances.com/resources

CRM Tool: www.averagejoefinances.com/crm

Pay Off Your Mortgage in 5-7 Years:

www.theshredmethod.com/averagejoefinances

https://bit.ly/replaceyourmortgage

Find a REALTOR® in any state: www.averagejoefinances.com/realtor

Make Real Estate Investing Easier with DealMachine:

www.averagejoefinances.com/dealmachine

Podcast Hosting: www.averagejoefinances.com/buzzsprout

Podcast Editing Services: www.editpods.com

DISCLAIMER www.averagejoefinances.com/disclaimer

See our full episode transcripts here: www.averagejoefinancespod.com/episodes

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Join Mike Cavaggioni with Kyle Healy on the 186th episode of the Average Joe Finances Podcast. Kyle shares his expertise in utilizing various real estate approaches to generate wealth.

In this episode, you’ll learn:

  • Knowing your "Why" and how its pivotal to making strong financial decisions
  • Automating your journey to saving and investing
  • Taking daily consistent action to better your life
  • The role of accountability partners in investing
  • And so much more!

About Kyle Healy:

Kyle Healy created Creating Generational Fire to be able to help people secure a better financial future for themselves and their families. His go-to investing vehicle is real estate and broad based index funds. He started investing in real estate in 2020 and has since grown the portfolio to 18 units, while working a full time job and raising a family.

Find Kyle on:

Website: https://www.creatinggenerationalfire.com/

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

Average Joe Finances®

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

About Mike: https://themikecav.com

REWBCON: Join me at the Real Estate Wealth Builders Conference. Use promo code “Mike” to save 10% on tickets. https://averagejoefinances.com/rewbcon

Important Tools and Resources that I Use

Financial Resources: www.averagejoefinances.com/resources

CRM Tool: www.averagejoefinances.com/crm

Pay Off Your Mortgage in 5-7 Years:

www.theshredmethod.com/averagejoefinances

https://bit.ly/replaceyourmortgage

Find a REALTOR® in any state: www.averagejoefinances.com/realtor

Make Real Estate Investing Easier with DealMachine:

www.averagejoefinances.com/dealmachine

Podcast Hosting: www.averagejoefinances.com/buzzsprout

Podcast Editing Services: www.editpods.com

DISCLAIMER www.averagejoefinances.com/disclaimer

See our full episode transcripts here: www.averagejoefinancespod.com/episodes

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Join Mike Cavaggioni with Brett Swarts on the 185th episode of the Average Joe Finances Podcast. Bret shares his passion about educating high net worth individuals in capital gains tax deferral with a Deferred Sales Trust.

In this episode, you’ll learn:

•Deferring capital gains tax on the sale of a business or primary home

•Escaping hostage to 1031 exchange or rescue a failed 1031 exchange

•How to grow CRE Syndication Business using Deferred Sales Trust

•Building a tax-deferred wealth plan

•And much more!

About Brett Swarts:

Brett Swarts is considered one of the most well-rounded Capital Gains Tax Deferral Experts and informative speakers in the U.S. He is the Founder of Capital Gains Tax Solutions, is an exclusive Deferred Sales Trust Trustee, host of the Capital Gains Tax Solutions podcast and an eXp Commercial Multifamily Broker in Sacramento, CA and Saint Augustine, FL.

His Millionaire Clients are challenged to create and develop a tax-deferred transformational exit wealth plan using The Deferred Sales Trust so they can create and preserve more wealth. Each year, he equips hundreds of Millionaires to break out of capital gains tax jail. He also equips CRE Syndicators & other business professionals with the DST tool to help their high-net-worth clients break out too.

His experience includes numerous Deferred Sales Trusts, Delaware Statutory Trusts, 1031 exchanges and $500,000,000 in closed commercial real estate brokerage and Deferred Sales Trust transactions. He’s an active commercial real estate broker and investor with brokerage experience and ownership in multifamily, senior housing, retail, medical office, and mixed-use properties. He is a licensed California Real Estate Broker who has held series 22 and 63 licenses.

Brett was formerly an associate at one of the largest CRE Brokerage firms in the country (Marcus & Millichap), is also a Multifamily Broker with eXp Commercial. Brett lives in Sacramento, California, with his wife, Melanie and their 5 children.

Find Brett on:

Website: www.capitalgainstaxsolutions.com

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

Youtube: https://www.youtube.com/channel/UCAykQNmIWZ0KARBeVWcQxUA

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

LinkedIn: https://www.linkedin.com/in/brett-swarts/

Twitter: https://twitter.com/1031option

Bigger Pockets: https://www.biggerpockets.com/users/BrettSwarts

Average Joe Finances®

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

About Mike: https://themikecav.com

REWBCON: Join me at the Real Estate Wealth Builders Conference. Use promo code “Mike” to save 10% on tickets. https://averagejoefinances.com/rewbcon

Important Tools and Resources that I Use

Financial Resources: www.averagejoefinances.com/resources

CRM Tool: www.averagejoefinances.com/crm

Pay Off Your Mortgage in 5-7 Years:

www.theshredmethod.com/averagejoefinances

https://bit.ly/replaceyourmortgage

Find a REALTOR® in any state: www.averagejoefinances.com/realtor

Make Real Estate Investing Easier with DealMachine:

www.averagejoefinances.com/dealmachine

Podcast Hosting: www.averagejoefinances.com/buzzsprout

Podcast Editing Services: www.editpods.com

DISCLAIMER www.averagejoefinances.com/disclaimer

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Join Mike Cavaggioni with Andrew Jarrett and Nic Cooper on the 184th episode of the Average Joe Finances Podcast. Andrew and Nic share their strategies and expertise on entering the multifamily space.

In this episode, you’ll learn:

  • Strategies for sourcing deals
  • The difference between self-management and third-party management.
  • How to find the right business partner
  • The advantages of syndication
  • And much more!

About Andrew Jarrett:

Andrew Jarrett is a native of Western New York, where he was part of numerous profitable redevelopment opportunities on single family homes. He founded a property management company which managed single family and multifamily units. He sold the company and shifted his focus to the acquisition of smaller multifamily and single family investment properties in Western New York.

Andrew currently holds several hundred rental units in this market with in-place management and maintenance teams. Andrew is also a #1 Bestselling author and the host of “The Passive Road to Retirement” podcast. He scaled his investments to the acquisition of large Multifamily apartment complexes. In the past two years he has gone “full cycle” on several hundred units, located in Florida and Georgia.

About Nic Cooper:

Nic Cooper saw the power of cash-flowing assets with his single-family rentals but was ready to scale. He sold his remaining single-family rentals in San Diego and got his wife, Jamie on board to reinvest in real-estate on a larger scale. Together they purchased a 24 unit apartment complex in Ohio to create passive income.

Nic brings a pilot’s precision and analytical mind to multifamily real estate with over 22 years as a military helicopter pilot. At present Nic owns 172 units in TX, AL, OH and VA with $11.3MM assets under management.

Find Andrew on:

Website: https://www.jarrettcapital.com

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

Facebook: https://www.facebook.com/andy.jarrett.12

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

Youtube: https://www.youtube.com/@passiveroadtoretirement

Find Nic on:

Website: https://www.hudsonbluemf.com

Facebook: https://www.facebook.com/nic.cooper.58

LinkedIn: https://www.linkedin.com/in/nic-cooper-abaab057

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

Average Joe Finances®

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

About Mike: https://themikecav.com

REWBCON: Join me at the Real Estate Wealth Builders Conference. Use promo code “Mike” to save 10% on tickets. https://averagejoefinances.com/rewbcon

Important Tools and Resources that I Use

Financial Resources: www.averagejoefinances.com/resources

CRM Tool: www.averagejoefinances.com/crm

Pay Off Your Mortgage in 5-7 Years:

www.theshredmethod.com/averagejoefinances

https://bit.ly/replaceyourmortgage

Find a REALTOR® in any state: www.averagejoefinances.com/realtor

Make Real Estate Investing Easier with DealMachine:

www.averagejoefinances.com/dealmachine

Podcast Hosting: www.averagejoefinances.com/buzzsprout

Podcast Editing Services: www.editpods.com

DISCLAIMER www.averagejoefinances.com/disclaimer

See our full episode transcripts here: www.averagejoefinancespod.com/episodes

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Join Mike Cavaggioni with Michael Elefante on the 183rd episode of the Average Joe Finances Podcast. Michael shares how a short-term rental can help you achieve financial freedom.

In this episode, you’ll learn:

  • What is a short term rental
  • Why Airbnb is the travel of the future
  • How much work is entailed with rental arbitrage for Airbnb
  • How Michael got started in Social Media
  • And much more!

About Michael Elefante:

Michael is a real estate investor, content creator, and entrepreneur. He and his wife became financially free at 27, just one year after investing in short-term rentals. Just 2.5 years later, they’ve scaled to six short-term rentals that generate over $80k per month and $40-50k cash flow per month. Michael is an avid online educator and sells a variety of resources to help others jumpstart their journey to financial freedom.

He is the founder of Airbnb Investor Academy, which launched in April 2021, and has generated nearly $1M in course and coaching sales in the first 16 months. Once Michael and his wife became financially free, they quit their 9-5 jobs and traveled in a camper van for 12 months, before settling down on Lake Keowee, SC.

Michael has participated in numerous podcasts, webinars, and in-person speaking events over the past two years. He has around 1M followers across Tik Tok, Instagram, and YouTube. His niche is short-term rentals and finding ways to achieve financial freedom. Michael preaches that anyone, regardless of age or current position in life, can achieve financial freedom in the next 1-2 years.

Find Michael on:

Website: https://bnbinvestoracademy.com

Youtube: https://www.youtube.com/c/MichaelElefante

Tiktok: https://www.tiktok.com/@melefante6

Instagram: https://www.instagram.com/melefante6/

LinkedIn: https://www.linkedin.com/in/michael-elefante-40111ba3/

Average Joe Finances®

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

About Mike: https://themikecav.com

REWBCON: Join me at the Real Estate Wealth Builders Conference. Use promo code “Mike” to save 10% on tickets. https://averagejoefinances.com/rewbcon

Important Tools and Resources that I Use

Financial Resources: www.averagejoefinances.com/resources

CRM Tool: www.averagejoefinances.com/crm

Pay Off Your Mortgage in 5-7 Years:

www.theshredmethod.com/averagejoefinances

https://bit.ly/replaceyourmortgage

Find a REALTOR® in any state: www.averagejoefinances.com/realtor

Make Real Estate Investing Easier with DealMachine:

www.averagejoefinances.com/dealmachine

Podcast Hosting: www.averagejoefinances.com/buzzsprout

Podcast Editing Services: www.editpods.com

DISCLAIMER www.averagejoefinances.com/disclaimer

See our full episode transcripts here: www.averagejoefinancespod.com/episodes

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Join Mike Cavaggioni with David Bruce on the 182nd episode of the Average Joe Finances Podcast. David shares some secrets in banking strategy to help you pay off your mortgage fast.

In this episode, you’ll learn:

  • What banks are secretly doing to keep you stuck in your mortgage
  • How to pay off your mortgage in 5-7 Years without refinancing, hurting your credit, or paying extra into your existing mortgage.
  • Real estate investing as a personal wealth growth strategy.
  • And much more!

About David Bruce:

David is a Director at Accelerated Banking, a program that helps homeowners pay off their mortgages faster so they can achieve their financial goals sooner.

Thousands of homeowners have used the program to pay down their mortgages in under seven years, save up to 70% on mortgage interest, and fast-track their retirement.

He is also the Co-author of Break Free From Your Mortgage: The Secret Banking Strategy To Help You Pay Off Your Mortgage Fast, which reveals mortgage traps that have prevented millions of homeowners from accumulating wealth and achieving financial freedom.

The book has sold thousands of copies and has been featured on leading media outlets, including FOX News, Business Insider, CBS, and Money.

David has 28+ years of expertise in the mortgage business and has owned four mortgage companies over the course of his career.

He became excited about assisting millions of homeowners become mortgage free after learning about the accelerated banking strategy in 2006 when an Australian bank introduced the program to the US.

Find David on:

Website: https://acceleratedbanking.com/home48912905

LinkedIn: https://www.linkedin.com/in/david-bruce-a914a084/

Youtube: https://www.youtube.com/@acceleratedbanking9585/

David’s Book: https://www.amazon.com/Break-Free-Your-Mortgage-Strategy/dp/1087973627

Average Joe Finances®

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

About Mike: https://themikecav.com

REWBCON: Join me at the Real Estate Wealth Builders Conference. Use promo code “Mike” to save 10% on tickets. https://averagejoefinances.com/rewbcon

Important Tools and Resources that I Use

Financial Resources: www.averagejoefinances.com/resources

CRM Tool: www.averagejoefinances.com/crm

Pay Off Your Mortgage in 5-7 Years:

www.theshredmethod.com/averagejoefinances

https://bit.ly/replaceyourmortgage

Find a REALTOR® in any state: www.averagejoefinances.com/realtor

Make Real Estate Investing Easier with DealMachine:

www.averagejoefinances.com/dealmachine

Podcast Hosting: www.averagejoefinances.com/buzzsprout

Podcast Editing Services: www.editpods.com

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Join Mike Cavaggioni with Sarah Weaver on the 181st episode of the Average Joe Finances Podcast. Sarah shares how she built her real estate portfolio as she traveled the world.

In this episode, you’ll learn:

  • How to invest out-of-state
  • Medium-term rentals
  • Being a full-time digital nomad and entrepreneur
  • The advantages of working remotely
  • And much more!

About Sarah Weaver:

Sarah Weaver is an author, speaker, coach, real estate investor, and business owner. Sarah runs three businesses that serve both real estate investors and real estate agents.

She travels the country coaching real estate agents and hosting intimate retreats for investors. Talk about a dream life.

Invested Adventures hosts epic events for real estate investors all over the world. Sarah is taking 18 investors to hike Patagonia in 2023. Arya Design Services helps investors analyze, furnish and launch their furnished rentals nationwide. The Sarah Weaver Mentorship Program serves investors looking to grow their portfolios no matter where they live.

Sarah owns 19 units in four states. This includes nine furnished rentals—all of which she self-manages from afar. Did we mention that Sarah is always traveling? She has traveled to 44 countries on six continents and has been fully nomadic since January 2019.

Find Sarah on:

Website: www.sarahdweaver.com

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

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

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

Average Joe Finances®

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

About Mike: https://themikecav.com

REWBCON: Join me at the Real Estate Wealth Builders Conference. Use promo code “Mike” to save 10% on tickets. https://averagejoefinances.com/rewbcon

Important Tools and Resources that I Use

Financial Resources: www.averagejoefinances.com/resources

CRM Tool: www.averagejoefinances.com/crm

Pay Off Your Mortgage in 5-7 Years:

www.theshredmethod.com/averagejoefinances

https://bit.ly/replaceyourmortgage

Find a REALTOR® in any state: www.averagejoefinances.com/realtor

Make Real Estate Investing Easier with DealMachine:

www.averagejoefinances.com/dealmachine

Podcast Hosting: www.averagejoefinances.com/buzzsprout

Podcast Editing Services: www.editpods.com

DISCLAIMER www.averagejoefinances.com/disclaimer

See our full episode transcripts here: www.averagejoefinancespod.com/episodes

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Join Mike Cavaggioni with Jason Griggs on the 180th episode of the Average Joe Finances Podcast. Jason shares how he got his huge success Investing in Short Term Rentals.

In this episode, you’ll learn:

  • Airbnbs vs. traditional rentals
  • The problems you'll face, and how to get started investing in Short Term Rentals
  • Different laws surrounding licensing
  • The importance of having good insurance
  • And much more!

About Jason Griggs:

Jason Griggs moved from New York City to Las Vegas in June 2011, which proved to be one of the best decisions of his life.

It was here where Jason got his passion for real estate ignited, and started his journey to becoming one of the most successful realtors in the city. He has sold over 20 million dollars worth of properties and built his own real estate investment portfolio.

Slowly, he turned his investments into short-term rental properties and found tremendous success. Now, he personally owns 18 short-term rental real estate properties and personally runs 8 of them with little to no effort.

Find Jason on:

Websites:

https://winwithairbnb.com/

https://griggsuniversity.com/

Instagram: https://instagram.com/Jgriggsrealestate

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

Average Joe Finances®

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

About Mike: https://themikecav.com

REWBCON: Join me at the Real Estate Wealth Builders Conference. Use promo code “Mike” to save 10% on tickets. https://averagejoefinances.com/rewbcon

Important Tools and Resources that I Use

Financial Resources: www.averagejoefinances.com/resources

CRM Tool: www.averagejoefinances.com/crm

Pay Off Your Mortgage in 5-7 Years:

www.theshredmethod.com/averagejoefinances

https://bit.ly/replaceyourmortgage

Find a REALTOR® in any state: www.averagejoefinances.com/realtor

Make Real Estate Investing Easier with DealMachine:

www.averagejoefinances.com/dealmachine

Podcast Hosting: www.averagejoefinances.com/buzzsprout

Podcast Editing Services: www.editpods.com

DISCLAIMER www.averagejoefinances.com/disclaimer

See our full episode transcripts here: www.averagejoefinancespod.com/episodes

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Join Mike Cavaggioni with Brad Warren on the 179th episode of the Average Joe Finances Podcast. Brad shares how to build generational and legacy wealth by investing in land.

In this episode, you’ll learn:

  • The definition of land banking and how to get started
  • Why investors should consider investing in land
  • The minimum investment, hold period and cost of land banking
  • Land banking’s exit strategy and Return On Investment
  • And so much more!

About Brad Warren:

Brad Warren was a national and international speaker, author, seminar leader, and business coach. He traveled to 19 foreign countries and 27 of the United States over the last 40 years, teaching a wide range of business courses, including time management, communication skills, lead generation, and negotiation skills.

He's also coached over 500+ business owners on goal setting and accomplishment, business planning and implementation, and how to be more effective and productive.

He is the 2014 recipient of the Bay East Association of Realtors Affiliate of the Year award and the author of Just Sold! The Real Estate Professionals Guide to Selling More in Less Time.

He’s spoken at the National Association of Realtors 2016 and 2017 Annual Conventions on Time Block Your Way to Success with Less Stress! and he’s also certified to teach The ONE Thing, based on the national best-seller of the same name by Gary Keller and Jay Papasan.

After 40+ years as a business coach, speaker, and trainer, Brad transitioned to a new career as a land banking consultant, helping patient investors build generational wealth by investing in land.

Find Brad on:

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

Email: brad@bradwarren.com

Average Joe Finances®

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

About Mike: https://themikecav.com

REWBCON: Join me at the Real Estate Wealth Builders Conference. Use promo code “Mike” to save 10% on tickets. https://averagejoefinances.com/rewbcon

Important Tools and Resources that I Use

Financial Resources: www.averagejoefinances.com/resources

CRM Tool: www.averagejoefinances.com/crm

Pay Off Your Mortgage in 5-7 Years:

www.theshredmethod.com/averagejoefinances

https://bit.ly/replaceyourmortgage

Find a REALTOR® in any state: www.averagejoefinances.com/realtor

Make Real Estate Investing Easier with DealMachine:

www.averagejoefinances.com/dealmachine

Podcast Hosting: www.averagejoefinances.com/buzzsprout

Podcast Editing Services: www.editpods.com

DISCLAIMER www.averagejoefinances.com/disclaimer

See our full episode transcripts here: www.averagejoefinancespod.com/episodes

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Join Mike Cavaggioni with Caleb Boxx on the 178th episode of the Average Joe Finances Podcast. Caleb shares how one can create passive income by automating their YouTube channel, without ever having to show their face or make a video.

In this episode, you’ll learn:

  • How entrepreneurs can use YouTube as supplemental income.
  • How to utilize social media and your following to turn them into your ideal audience
  • What content sells & how to predict changes in YouTube and social media
  • How does Gen-Z see entrepreneurship and how can you reach them
  • And so much more!

About Caleb Boxx:

Caleb Boxx is a founder of YouTube Automation, a business model that allows people to automate their YouTube channels creating passive income without ever having to show their face or making videos.

Caleb Boxx has built the number one YouTube Automation agency service helping others create YouTube Automation channels like himself to potentially produce 6-figures a year. Some clients of Caleb Boxx and his agency have produced $100,000+ in a single month from just ONE YouTube channel with his team of over 200+ people! Caleb Boxx has worked with some of the biggest YouTube stars with 10 million subscribers.

Today his team is helping everyday people and clients that just want to diversify their money into an income producing vehicle like YouTube Automation where his team runs everything for them, buying them freedom and time.

Find Caleb on:

Website: https://www.calebboxx.com/

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

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

Twitter: https://twitter.com/calebboxx

Youtube: https://www.youtube.com/@CalebBoxxMedia

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

Average Joe Finances®

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

About Mike: https://themikecav.com

REWBCON: Join me at the Real Estate Wealth Builders Conference. Use promo code “Mike” to save 10% on tickets. https://averagejoefinances.com/rewbcon

Important Tools and Resources that I Use

Financial Resources: www.averagejoefinances.com/resources

CRM Tool: www.averagejoefinances.com/crm

Pay Off Your Mortgage in 5-7 Years:

www.theshredmethod.com/averagejoefinances

https://bit.ly/replaceyourmortgage

Find a REALTOR® in any state: www.averagejoefinances.com/realtor

Make Real Estate Investing Easier with DealMachine:

www.averagejoefinances.com/dealmachine

Podcast Hosting: www.averagejoefinances.com/buzzsprout

Podcast Editing Services: www.editpods.com

DISCLAIMER www.averagejoefinances.com/disclaimer

See our full episode transcripts here: www.averagejoefinancespod.com/episodes

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Join Mike Cavaggioni with Nathan Payne on the 177th episode of the Average Joe Finances Podcast. Nathan shares experience in real estate wholesaling and highlights the importance of being flexible, adaptable, and responsive in the ever-changing real estate market.

In this episode, you’ll learn:

  • Why Real estate wholesaling is a great way to make money in the real estate market.
  • How to become a successful real estate wholesaler.
  • How to achieve success while still maintaining a healthy work-life balance.
  • The importance of being flexible and adaptable in the real estate business.
  • And so much more!

About Nathan Payne:

Nathan grew up in Atlanta Georgia but currently lives in Salt Lake City Utah. At 19 years old, Nathan went on a church mission for 2 years in Portland Oregon where he strived to serve others. After his mission, he went to college at BYUI where he discovered his love for entrepreneurship.

In college, Nathan started doing door to door sales and soon became one of the top salesman in the company. He ran multiple sales teams over the years and generated thousands of accounts for the company. His senior year of college, Nathan followed one of his dreams and opened up a music venue and cereal bar in town called Skizzy's. It was a dream of Nathan’s to create a place where people could come to hang out and eat a bowl of cereal.

After graduating from college, Nathan worked in door to door sales until he decided to get into real estate. With no prior experience in real estate, Nathan decided to learn by taking massive imperfect action and by failing his way forward. 5 years now, he is the co-owner of Offer On Homes, his real estate investing company, and Investor Thrive, a coaching company dedicated to helping wholesalers and real estate investors acquire more real estate the painless way!

Find Nathan on:

Website: https://investorthrive.com/

Facebook: https://www.facebook.com/groups/investorthrive

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

Twitter: https://twitter.com/Investor_Thrive

Youtube: https://www.youtube.com/@NathanPayneInvestorThriveTV

LinkedIn: https://www.linkedin.com/company/investor-thrive/

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

Average Joe Finances®

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

About Mike: https://themikecav.com

REWBCON: Join me at the Real Estate Wealth Builders Conference. Use promo code “Mike” to save 10% on tickets. https://averagejoefinances.com/rewbcon

Important Tools and Resources that I Use

Financial Resources: www.averagejoefinances.com/resources

CRM Tool: www.averagejoefinances.com/crm

Pay Off Your Mortgage in 5-7 Years:

www.theshredmethod.com/averagejoefinances

https://bit.ly/replaceyourmortgage

Find a REALTOR® in any state: www.averagejoefinances.com/realtor

Make Real Estate Investing Easier with DealMachine:

www.averagejoefinances.com/dealmachine

Podcast Hosting: www.averagejoefinances.com/buzzsprout

Podcast Editing Services: www.editpods.com

DISCLAIMER www.averagejoefinances.com/disclaimer

See our full episode transcripts here: www.averagejoefinancespod.com/episodes

Support the show

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Join Mike Cavaggioni with Mike DeHaan on the 176th episode of the Average Joe Finances Podcast. Mike shares how he was able to quit his day job and bootstrap an REI business with the help of Virtual Assistants.

In this episode, you’ll learn:

  • How to get started in Real Estate with no experience
  • Running a virtual business and utilizing VAs
  • Doing Value Add on residential property to get the most cash out on a refinance
  • What a successful partnership looks like
  • And so much more!

About Mike DeHaan:

Mike was an engineer for 5 years and quit his career somewhat recklessly in 2018 with no backup plan. He spent his time working in a gym and driving for Uber while he learned about entrepreneurship before he started flipping houses in late 2018.

Fast forward to now, Mike is now doing full-time off-market wholesaling/flipping/rental business that has done 150 transactions in the last 2 years, own $10m in real estate across 48 units (Im a 100% or 50% owner in all of these), and have a virtual business that has allowed him to live a flexible lifestyle including traveling internationally or 12 weeks in 2022.

Find Mike on:

Website: https://www.collectingkeyspodcast.com/

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

Average Joe Finances®

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

About Mike: https://themikecav.com

REWBCON: Join me at the Real Estate Wealth Builders Conference. Use promo code “Mike” to save 10% on tickets. https://averagejoefinances.com/rewbcon

Important Tools and Resources that I Use

Financial Resources: www.averagejoefinances.com/resources

CRM Tool: www.averagejoefinances.com/crm

Pay Off Your Mortgage in 5-7 Years:

www.theshredmethod.com/averagejoefinances

https://bit.ly/replaceyourmortgage

Find a REALTOR® in any state: www.averagejoefinances.com/realtor

Make Real Estate Investing Easier with DealMachine:

www.averagejoefinances.com/dealmachine

Podcast Hosting: www.averagejoefinances.com/buzzsprout

Podcast Editing Services: www.editpods.com

DISCLAIMER www.averagejoefinances.com/disclaimer

See our full episode transcripts here: www.averagejoefinancespod.com/episodes

Support the show

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Join Mike Cavaggioni with Ray Zhang on the 175th episode of the Average Joe Finances Podcast. Ray shares his expertise in land flipping, how it works, and some of the benefits of flipping land as a business.

In this episode, you’ll learn:

  • Ray's journey from Car-Flipping to Land-Flipping.
  • The process of finding, purchasing, selling and flipping land.
  • The strategies to successfully flip land in multiple markets and maximize ROI.
  • The benefits of land flipping.
  • And so much more!

About Ray Zhang:

Ray Zhang is a real estate investor who has gone from being homeless when he first came to the U.S. to becoming a remarkable success in flipping land over the last nine years. Today, he teaches others how to succeed in land flipping along with other real estate investments.

Ray is an expert in land flipping, having developed a profitable approach that allows deals virtually anywhere in the world with returns of up to 1000%. Furthermore, he has a wealth of knowledge on how to target the right areas and use realtors to close deals.

Find Ray on:

Website: https://landflipinc.com/

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

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

Average Joe Finances®

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

About Mike: https://themikecav.com

REWBCON: Join me at the Real Estate Wealth Builders Conference. Use promo code “Mike” to save 10% on tickets. https://averagejoefinances.com/rewbcon

Important Tools and Resources that I Use

Financial Resources: www.averagejoefinances.com/resources

CRM Tool: www.averagejoefinances.com/crm

Pay Off Your Mortgage in 5-7 Years:

www.theshredmethod.com/averagejoefinances

https://bit.ly/replaceyourmortgage

Find a REALTOR® in any state: www.averagejoefinances.com/realtor

Make Real Estate Investing Easier with DealMachine:

www.averagejoefinances.com/dealmachine

Podcast Hosting: www.averagejoefinances.com/buzzsprout

Podcast Editing Services: www.editpods.com

DISCLAIMER www.averagejoefinances.com/disclaimer

See our full episode transcripts here: www.averagejoefinancespod.com/episodes

Support the show

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Join Mike Cavaggioni with John Cash on the 174th episode of the Average Joe Finances Podcast. John shares how Ur-Energy is positioned to ramp up uranium production as a worthwhile investing opportunity.

In this episode, you’ll learn:

  • Why should investors consider investing in a commodity like Uranium
  • Why is it important that a company like Ur-Energy succeeds
  • Benefits of investing in uranium mining company
  • The uranium mining geopolitics and national security aspects of the nuclear industry.
  • And so much more!

About John Cash:

John is the thought leader in the uranium industry, with nearly 30 years of experience in uranium exploration, radiation safety, regulatory and legislative affairs, uranium recovery operations, and international trade, as well as extensive management experience.

He currently serves as the CEO of Ur-Energy, a uranium mining company that owns and operates the Lost Creek in-situ recovery uranium facility in south-central Wyoming.

The publicly-traded company has a current market capitalization of $271.49M, and as of March 2022, it had cash resources of $46.3M.

Ur-Energy is currently setting up a second in situ recovery uranium facility at Shirley Basin, Wyoming, and is also obtaining amendments to Lost Creek authorizations for its expansion.

With both facilities, the company hopes to produce 2.2M pounds of uranium, which will earn them over $1B in annual revenues.

Before joining Ur-Energy, John worked for established uranium mining companies, including BHP, Rio Algom Mining, and Crow Butte Resources, a subsidiary of Cameco.

He is also a past president of the Uranium Producers of America and a Fellow of the inaugural World Nuclear Summer Institute.

John holds B.Sc. and M.Sc. degrees in Geology and Geophysics from the University of Missouri-Rolla.

Find John on:

Website: https://www.ur-energy.com/

LinkedIn: https://www.linkedin.com/in/john-cash-774b30143/

Twitter: https://twitter.com/ur_energy

Average Joe Finances®

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

About Mike: https://themikecav.com

REWBCON: Join me at the Real Estate Wealth Builders Conference. Use promo code “Mike” to save on tickets. https://averagejoefinances.com/rewbcon

Important Tools and Resources that I Use

Financial Resources: www.averagejoefinances.com/resources

CRM Tool: www.averagejoefinances.com/crm

Pay Off Your Mortgage in 5-7 Years:

www.theshredmethod.com/averagejoefinances

https://bit.ly/replaceyourmortgage

Find a REALTOR® in any state: www.averagejoefinances.com/realtor

Make Real Estate Investing Easier with DealMachine:

www.averagejoefinances.com/dealmachine

Podcast Hosting: www.averagejoefinances.com/buzzsprout

Podcast Editing Services: www.editpods.com

DISCLAIMER www.averagejoefinances.com/disclaimer

See our full episode transcripts here: www.averagejoefinancespod.com/episodes

All Business. No Boundaries.
Welcome to All Business. No Boundaries, a collection of supply chain stories by DHL...
Listen on: Apple Podcasts Spotify

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Join Mike Cavaggioni with Matthew Sullivan on the 173rd episode of the Average Joe Finances Podcast. Matthew shares how his company, QuantmRE, enables homeowners to turn their home equity into a debt-free income stream.

In this episode, you’ll learn:

  • Debt-based financing vs. equity-based financing.
  • How some people are able to predict economic shifts and downturns.
  • Why small private funds are an easier way to access money for deals.
  • And so much more!

About Matthew Sullivan:

Matthew is the founder and full-time chief executive officer and director of Quantm.One, Inc and has held this position since the Company’s incorporation in December 2017. Since January 2015 Matthew has been the founder and president of Crowdventure, LLC, a real estate crowdfunding company. Matthew has also been a director of Secured Real Estate Income Strategies, LLC, (a real estate fund) since June 2016 and has been a co-founder and director of Secured Real Estate Income Fund I, LLC since May 2015. He is also the owner and president of Carbon Retirement, LLC, and has held this position since November 2014.

In the late 90’s he spent a number of years working alongside Richard Branson and his corporate finance team and was involved in a number of high profile Virgin projects, including the Virgin Global Challenger – the first attempt to fly around the world in a hot air balloon.

Find Matthew on:

Website: https://www.quantmre.com/

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

Twitter: https://twitter.com/mattsullivanco?lang=en

Average Joe Finances®

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

About Mike: https://themikecav.com

REWBCON: Join me at the Real Estate Wealth Builders Conference. Use promo code “Mike” to save on tickets. https://averagejoefinances.com/rewbcon

Important Tools and Resources that I Use

Financial Resources: www.averagejoefinances.com/resources

CRM Tool: www.averagejoefinances.com/crm

Pay Off Your Mortgage in 5-7 Years:

www.theshredmethod.com/averagejoefinances

https://bit.ly/replaceyourmortgage

Find a REALTOR® in any state: www.averagejoefinances.com/realtor

Make Real Estate Investing Easier with DealMachine:

www.averagejoefinances.com/dealmachine

Podcast Hosting: www.averagejoefinances.com/buzzsprout

Podcast Editing Services: www.editpods.com

DISCLAIMER www.averagejoefinances.com/disclaimer

See our full episode transcripts here: www.averagejoefinancespod.com/episodes

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Join Mike Cavaggioni with Patrick Yip on the 172nd episode of the Average Joe Finances Podcast. Patrick shares his expertise about the market of precious metals and the advantages of investing in them.

In this episode, you’ll learn:

  • How should investors position their portfolios during an inflationary environment
  • Why should investors consider owning precious metals
  • The various ways to own precious metals
  • Trends in the precious metals industry
  • And so much more!

About Patrick Yip:

Patrick Yip serves as the Director of Business Development at APMEX and OneGold. APMEX is one of the largest retailers of physical gold, silver, platinum and palladium, and has sold over $15 billion in product over its 20+ year history. OneGold is a fast growing online precious metals platform that has processed over $750 million in transactions during its first three years in business.

Mr. Yip joined APMEX in 2011 and has held roles in Merchandising, Sales, Project Management and Business Development. He played a key role in the company’s 250%+ growth on marketplaces such as eBay, Amazon and Walmart.

Find Patrick on:

Website: https://www.onegold.com/

LinkedIn: https://www.linkedin.com/company/apmex-inc/

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

Twitter: https://twitter.com/OneGold_?ref_src=twsrc%5Egoogle%7Ctwcamp%5Eserp%7Ctwgr%5Eauthor

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

Youtube: https://www.youtube.com/channel/UCwkU3RnwvFxVJzVCVe8BJtw/videos?app=desktop

Average Joe Finances®

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

About Mike: https://themikecav.com

REWBCON: Join me at the Real Estate Wealth Builders Conference. Use promo code “Mike” to save on tickets. https://averagejoefinances.com/rewbcon

Important Tools and Resources that I Use

Financial Resources: www.averagejoefinances.com/resources

CRM Tool: www.averagejoefinances.com/crm

Pay Off Your Mortgage in 5-7 Years:

www.theshredmethod.com/averagejoefinances

https://bit.ly/replaceyourmortgage

Find a REALTOR® in any state: www.averagejoefinances.com/realtor

Make Real Estate Investing Easier with DealMachine:

www.averagejoefinances.com/dealmachine

Podcast Hosting: www.averagejoefinances.com/buzzsprout

Podcast Editing Services: www.editpods.com

DISCLAIMER www.averagejoefinances.com/disclaimer

See our full episode transcripts here: www.averagejoefinancespod.com/episodes

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Join Mike Cavaggioni with Dr. Wendy Labat on the 171st episode of the Average Joe Finances Podcast. Dr. Wendy shares her knowledge, experience, and wisdom garnered firsthand from the challenges she faced and how it led her to develop The Financial Cures System®. Using this system she improved the financial lives of many entrepreneurs, business owners, families, and individuals across the U.S.

In this episode, you’ll learn:

  • The obstacles to Optimize Your Financial Health.
  • Distinction between financial literacy and financial health.
  • How to overcome financial ills to optimize financial health.
  • How to transform your money mindset.
  • And so much more!

About Dr. Wendy Labat:

Dr. Wendy Labat, The Financial Healer, is the CEO of The Financial Cures LLC, a female minority owned enterprise. She created The Financial Cures System®, a results-based program for financial mastery. Dr. Labat is an award-winning entrepreneur, business strategist, international speaker, and the best-selling author of The Financial Cures Book Series: Diagnose Your Financial Health and Optimize Your Financial Health. She is the producer and host of the award-winning global streaming production of Financial Cures with Dr. Wendy Labat.

Dr. Wendy turned her breast cancer diagnosis into a crusade to help others prevent financial ruin from an illness or injury. She empowers entrepreneurs, families, and individuals to overcome anorexic income, obese debt, spending addictions, mindset and knowledge deficiencies to enjoy financial freedom and live the life they desire.

Find Dr. Wendy on:

Websites:

www.thefinancialcures.com

www.fincures.com

Facebook:

www.facebook.com/DrWendyLabat

www.facebook.com/TheFinancialCures

LinkedIn: www.linkedIn.com/DrWendyLabat

Instagram: www.instagram.com/dr.wendy.labat

Average Joe Finances®

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

About Mike: https://themikecav.com

REWBCON: Join me at the Real Estate Wealth Builders Conference. Use promo code “Mike” to save on tickets. https://averagejoefinances.com/rewbcon

Important Tools and Resources that I Use

Financial Resources: www.averagejoefinances.com/resources

CRM Tool: www.averagejoefinances.com/crm

Pay Off Your Mortgage in 5-7 Years:

www.theshredmethod.com/averagejoefinances

https://bit.ly/replaceyourmortgage

Find a REALTOR® in any state: www.averagejoefinances.com/realtor

Make Real Estate Investing Easier with DealMachine:

www.averagejoefinances.com/dealmachine

Podcast Hosting: www.averagejoefinances.com/buzzsprout

Podcast Editing Services: www.editpods.com

DISCLAIMER www.averagejoefinances.com/disclaimer

See our full episode transcripts here: www.averagejoefinancespod.com/episodes

Support the show

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Join Mike Cavaggioni with Indar Lange on the 170th episode of the Average Joe Finances Podcast. Indar shares the importance of real estate education and cultivating a mindset for business and his journey, from getting into real estate by flipping to achieving passive cash flow.

In this episode, you’ll learn:

  • The business culture in Hawaii
  • The marketing strategies to attract deals.
  • The right investor mindset
  • The slow process of scaling a flipping business and the risks of working capital.
  • And so much more!

About Indar Lange:

Indar Lange is a real estate investor who has made it big in Hawaii, the most expensive state in the US. Since starting in 2013, Indar has become the most prominent flipper in Hawaii, with over 50 flips completed and 15 currently ongoing, all while owning 15 properties outside Hawaii. He is also the founder of Our Home Investments, a company that helps homeowners of any distressed situation while improving the community.Mr. Lange primarily focuses on single-family properties and works with both low-end and high-end rehabs.

Find Indar on:

Website: https://indarhawaii.com/

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

instagram: https://www.instagram.com/indarhawaii/?hl=en

LinkedIn: https://www.linkedin.com/in/indar-lange-230b0352/

Youtube: https://www.youtube.com/channel/UCRlUy3ELn9pCQPTF6nD5p3A

Twitter: https://twitter.com/indarhawaii

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

Average Joe Finances®

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

About Mike: https://themikecav.com

REWBCON: Join me at the Real Estate Wealth Builders Conference. Use promo code “Mike” to save on tickets. https://averagejoefinances.com/rewbcon

Important Tools and Resources that I Use

Financial Resources: www.averagejoefinances.com/resources

CRM Tool: www.averagejoefinances.com/crm

Pay Off Your Mortgage in 5-7 Years:

www.theshredmethod.com/averagejoefinances

https://bit.ly/replaceyourmortgage

Find a REALTOR® in any state: www.averagejoefinances.com/realtor

Make Real Estate Investing Easier with DealMachine:

www.averagejoefinances.com/dealmachine

Podcast Hosting: www.averagejoefinances.com/buzzsprout

Podcast Editing Services: www.editpods.com

DISCLAIMER www.averagejoefinances.com/disclaimer

See our full episode transcripts here: www.averagejoefinancespod.com/episodes

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Join Mike Cavaggioni with Alex Cabot and Ed Lambert on the 169th episode of the Average Joe Finances Podcast. Alex and Ed share how to avoid common financial pitfalls and have the right mindset to make smart financial decisions.

In this episode, you’ll learn:

  • How to create the right mindset to achieve financial freedom.
  • The capital markets in the first six months of 2022 and what lies ahead.
  • Why the "no debt" approach isn't optimal for every investor.
  • And so much more!

About Alex and Ed:

Alex and Ed were recognized in the 2021 Forbes Best-In-State Wealth Advisors list, and they're also the Co-Founders and Managing Partners of Birch Run Financial, a financial advisory managing $350M+ in clients' assets.

Alex and Ed are the authors of Mastering the Money Mind: A New Way of Thinking About Personal Finance, a book that offers advice investors of all ages can use to make smarter financial decisions.

They have 35+ years of combined experience guiding people on how to avoid common financial pitfalls like adopting a groupthink approach or investing with emotion as well as providing insightful perspectives designed to weather stock market volatility and navigate inflation.

Find Alex and Ed on:

Website: https://www.birchrunfinancial.com/

Alex:

Forbes: https://www.forbes.com/profile/alex-cabot/

LinkedIn: https://www.linkedin.com/in/alexander-cabot-b5a359b/

Ed:

Forbes: https://www.forbes.com/profile/ed-lambert/

LinkedIn: https://www.linkedin.com/in/ed-lambert-a03b9520/

Average Joe Finances®

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

About Mike: https://themikecav.com

REWBCON: Join me at the Real Estate Wealth Builders Conference. Use promo code “Mike” to save on tickets. https://averagejoefinances.com/rewbcon

Important Tools and Resources that I Use

Financial Resources: www.averagejoefinances.com/resources

CRM Tool: www.averagejoefinances.com/crm

Pay Off Your Mortgage in 5-7 Years:

www.theshredmethod.com/averagejoefinances

https://bit.ly/replaceyourmortgage

Find a REALTOR® in any state: www.averagejoefinances.com/realtor

Make Real Estate Investing Easier with DealMachine:

www.averagejoefinances.com/dealmachine

Podcast Hosting: www.averagejoefinances.com/buzzsprout

Podcast Editing Services: www.editpods.com

DISCLAIMER www.averagejoefinances.com/disclaimer

See our full episode transcripts here: www.averagejoefinancespod.com/episodes

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Join Mike Cavaggioni with Joe DiSanto on the 168th episode of the Average Joe Finances Podcast. Joe shares how to help individuals and business owners navigate their finances, increase their net worth, and plan better for their future.

In this episode, you’ll learn:

  • Importance of personal and business budgets.
  • Taking the big leap and starting a business.
  • How to invest in real estate outside the area you live.
  • How to plan for retirement and when you should start
  • And so much more!

About Joe DiSanto:

Joe DiSanto spent his childhood riding BMX bikes, breakdancing, and memorizing 80’s movies, but the carefree days of youth wouldn’t last long. By 13 he was working as a busboy, helping his recently-divorced mom, and picking up some of his own tab. A valuable lesson was learned: If you don’t deal with your money, your money will deal with you.

From that point on, he made it his mission to learn everything he could about making smart money moves. It paid off. By age 30, Joe had wiped out $70k in student loans, bought his first house, and started a post-production company in Los Angeles. Over the next decade, the company grew to 30+ employees with over 5 million in annual revenue, while producing two critically-acclaimed documentaries and an Emmy-winning HBO series. During this time, he and his wife also transacted on 15 residential and commercial real estate properties.

But nothing had a more life-changing impact than the birth of their son. After a successful 19-year run in L.A., the couple decided to slow down and invest in their new family. They cashed out of the business and bought into small-town life on the Florida coast. Having semi-retired at age 43, Joe’s efforts are now focused on his educational blog Play Louder.

Find Joe on:

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

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

Youtube: https://www.youtube.com/c/PlayLouder

Average Joe Finances®

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

About Mike: https://themikecav.com

REWBCON: Join me at the Real Estate Wealth Builders Conference. Use promo code “Mike” to save on tickets. https://averagejoefinances.com/rewbcon

Important Tools and Resources that I Use

Financial Resources: www.averagejoefinances.com/resources

CRM Tool: www.averagejoefinances.com/crm

Pay Off Your Mortgage in 5-7 Years:

www.theshredmethod.com/averagejoefinances

Find a REALTOR® in any state: www.averagejoefinances.com/realtor

Make Real Estate Investing Easier with DealMachine:

www.averagejoefinances.com/dealmachine

Podcast Hosting: www.averagejoefinances.com/buzzsprout

Podcast Editing Services: www.editpods.com

DISCLAIMER www.averagejoefinances.com/disclaimer

See our full episode transcripts here: www.averagejoefinancespod.com/episodes

Recruitment & Careers Club
The podcast discusses people's careers, recruitment, the future of technology, business...
Listen on: Apple Podcasts Spotify

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Join Mike Cavaggioni with Mike Gardon on the 167th episode of the Average Joe Finances Podcast. Mike shares the process for managing career uncertainty and “wayfinding” to fulfillment, control and balance.

In this episode, you’ll learn:

  • How To Take Control of Your Career
  • Tips on Being a "Dadpreneur"
  • Viewing Your Life and Career as a Portfolio of Options
  • What Most People are Lacking in Their Careers
  • And so much more!

About Mike Gardon:

Mike is a former derivatives trader turned investor and entrepreneur, who has reinvented himself multiple times in several careers before the age of 40. Mike knows what it’s like to start out with a career calling.

Mike is the Founder and CEO of Rejoin Media, a holdin company for digital brands and businesses. He is also the Executive Editor and Host of the acclaimed Careercloud Radio podcast on Careercloud.com where he talks about career design and building more intentional work-life.

You can see Mike's writing and media mentions on investing, startups, life and work across the internet on these sites: The Huffington Post, Forbes, Business Insider, Yahoo News, GoBankingRates, Ask Men, Cosmopolitan, The Simple Dollar, Foxnews, USA Today and Good Financial Cents.

Find Mike on:

Personal Website: www.michaelgardon.com

Website: www.careercloud.com

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

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

Average Joe Finances®

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

About Mike: https://themikecav.com

REWBCON: Join me at the Real Estate Wealth Builders Conference. Use promo code “Mike” to save on tickets. https://averagejoefinances.com/rewbcon

Important Tools and Resources that I Use

Financial Resources: www.averagejoefinances.com/resources

CRM Tool: www.averagejoefinances.com/crm

Pay Off Your Mortgage in 5-7 Years:

www.theshredmethod.com/averagejoefinances

Find a REALTOR® in any state: www.averagejoefinances.com/realtor

Make Real Estate Investing Easier with DealMachine:

www.averagejoefinances.com/dealmachine

Podcast Hosting: www.averagejoefinances.com/buzzsprout

Podcast Editing Services: www.editpods.com

DISCLAIMER www.averagejoefinances.com/disclaimer

See our full episode transcripts here: www.averagejoefinancespod.com/episodes

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Join Mike Cavaggioni with Ed Bryan on the 166th episode of the Average Joe Finances Podcast. Ed shares why it's important for successful businesses to develop a comprehensive risk management program in today's ever-changing risk environment.

In this episode, you’ll learn:

  • The 831(b) and how it can protect your business.
  • How did 831(b) plans help businesses during COVID.
  • Good candidates for an 831(b) Plan.
  • Risks that businesses have that an 831(b) Plan can alleviate.
  • And so much more!

About Ed Bryan:

Ed has more than 20 years of sales and operations management experience with a consistent history of leading high-performing sales teams and operational excellence.

As Director of Business Development, Ed leads the SRA team in partnering with clients and valued advisors to provide next-level strategies to business owners.

He has been a featured speaker at numerous well-known national conventions and industry events in insurance, finance, and long-term planning.

Find Ed on:

Website: http://831b.com

LinkedIn Speaker: https://www.linkedin.com/in/edward-bryan-498a9691/

LinkedIn SRA: https://www.linkedin.com/company/sra-831b/

YouTube: https://www.youtube.com/channel/UC8QJwR1FlAzdAgmC8UYsnWg

Facebook: https://www.facebook.com/SRA831b/

Instagram: https://www.instagram.com/sra_831b/

Average Joe Finances®

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

About Mike: https://themikecav.com

REWBCON: Join me at the Real Estate Wealth Builders Conference. Use promo code “Mike” to save on tickets. https://averagejoefinances.com/rewbcon

Important Tools and Resources that I Use

Financial Resources: www.averagejoefinances.com/resources

CRM Tool: www.averagejoefinances.com/crm

Pay Off Your Mortgage in 5-7 Years:

www.theshredmethod.com/averagejoefinances

Find a REALTOR® in any state: www.averagejoefinances.com/realtor

Make Real Estate Investing Easier with DealMachine:

www.averagejoefinances.com/dealmachine

Podcast Hosting: www.averagejoefinances.com/buzzsprout

Podcast Editing Services: www.editpods.com

DISCLAIMER www.averagejoefinances.com/disclaimer

See our full episode transcripts here: www.averagejoefinancespod.com/episodes

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Join Mike Cavaggioni with Alex Jarbo on the 165th episode of the Average Joe whFinances Podcast. Alex shares how he got started with short-term rentals and important things to consider if you are interested in getting started in the short-term rental game.

In this episode, you’ll learn:

  • Why build cabins when purchasing is so much easier
  • Profitability of short term rentals
  • The best areas to invest in short-term rentals
  • Common mistakes in short-term rental investing.
  • And so much more!

About Alex Jarbo:

Alex Jarbo is a short-term rental developer and manager. He was born and raised in Detroit Michigan. He served in the Marine Corps for 4 ½ years where he was stationed in Washington DC as part of the Marine Corps Honor Guard. He left the Marine Corps at 22 years old to pursue his career as a real estate professional.

He is the founder and CEO of Sargon Investments and he has a goal of developing 650 cabins in the next 3 years. Alex holds a MBA with a concentration in Real Estate Development and is currently finishing a Doctorate in Business with a concentration in Leadership.

He is the host of the YouTube Channel Alex Builds where he teaches the ins and out of short-term development and management.

Find Alex on:

Website: www.alexjarbo.com

LinkedIn: https://www.linkedin.com/in/alex-jarbo-28a940139/

Facebook: https://www.facebook.com/alex.jarbo/

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

Average Joe Finances®

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

About Mike: https://themikecav.com

REWBCON: Join me at the Real Estate Wealth Builders Conference. Use promo code “Mike” to save on tickets. https://averagejoefinances.com/rewbcon

Important Tools and Resources that I Use

Financial Resources: www.averagejoefinances.com/resources

CRM Tool: www.averagejoefinances.com/crm

Pay Off Your Mortgage in 5-7 Years:

www.theshredmethod.com/averagejoefinances

Find a REALTOR® in any state: www.averagejoefinances.com/realtor

Make Real Estate Investing Easier with DealMachine:

www.averagejoefinances.com/dealmachine

Podcast Hosting: www.averagejoefinances.com/buzzsprout

Podcast Editing Services: www.editpods.com

DISCLAIMER www.averagejoefinances.com/disclaimer

See our full episode transcripts here: www.averagejoefinancespod.com/episodes

Support the show

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Join Mike Cavaggioni with Bob Wheeler on the 164th episode of the Average Joe Finances Podcast. Bob shares how he helps listeners conquer their money shame and avoid making poor financial decisions by teaching how emotions can dictate choices.

In this episode, you’ll learn:

  • How emotions impact financial decision-making.
  • The importance of financial therapy
  • A healthy relationship with money
  • And so much more!

About Bob Wheeler:

Bob Wheeler is a Financial Expert & Motivator, Book Author, and Founder of The Money Nerve

As a man of true integrity with infectious energy, Bob’s crusade for personal growth has cross-pollinated with his accounting practice to create a new approach to personal finances. His passion is to help others gain insights about how their emotions trigger financial decisions. Combining finances with behaviors, Bob explores his personal concept of creating a healthy relationship with money in his recent book, The Money Nerve.

Find Bob on:

Website: https://themoneynerve.com/

LinkedIn: https://www.linkedin.com/in/bob-wheeler-88029512 Twitter:https://twitter.com/themoneynerve

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

Average Joe Finances®

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

About Mike: https://themikecav.com

REWBCON: Join me at the Real Estate Wealth Builders Conference. Use promo code “Mike” to save on tickets. https://averagejoefinances.com/rewbcon

Important Tools and Resources that I Use

Financial Resources: www.averagejoefinances.com/resources

CRM Tool: www.averagejoefinances.com/crm

Pay Off Your Mortgage in 5-7 Years:

www.theshredmethod.com/averagejoefinances

Find a REALTOR® in any state: www.averagejoefinances.com/realtor

Make Real Estate Investing Easier with DealMachine:

www.averagejoefinances.com/dealmachine

Podcast Hosting: www.averagejoefinances.com/buzzsprout

Podcast Editing Services: www.editpods.com

DISCLAIMER www.averagejoefinances.com/disclaimer

See our full episode transcripts here: www.averagejoefinancespod.com/episodes

Support the show

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Join Mike Cavaggioni with Amy Sylvis on the 163rd episode of the Average Joe Finances Podcast. Amy shares how she generates passive income through real estate investing without having the day to day hassles of management.

In this episode, you’ll learn:

  • How to choose the best multifamily markets to invest in
  • Transitioning from passive investing to doing your own deals as a general partner
  • The 5 types of freedom - financial, geographic, time, association and purpose
  • Overcoming obstacles with mindset
  • And so much more!

About Amy Sylvis:

Amy Sylvis is the founder and principal of Sylvis Capital, a real estate firm that invests in large commercial real estate properties in emerging markets throughout the United States. Accredited and non-accredited investors appreciate investing alongside her to take advantage of not only her extensive experience, but also her detailed research and exclusive relationships.

Sylvis Capital offers commercial real estate investment opportunities without the day to day hassles of owning real estate while generating strong returns.

Sylvis Capital currently has over 748 apartment units, 208,000 square feet of flex industrial space, and $96M worth of assets under management.

Find Amy on:

Website: https://www.sylviscapital.com/

Linkedin: https://www.linkedin.com/in/amysylvis/

Average Joe Finances®

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

About Mike: https://themikecav.com

REWBCON: Join me at the Real Estate Wealth Builders Conference. Use promo code “Mike” to save on tickets. https://averagejoefinances.com/rewbcon

Important Tools and Resources that I Use

Financial Resources: www.averagejoefinances.com/resources

CRM Tool: www.averagejoefinances.com/crm

Pay Off Your Mortgage in 5-7 Years:

www.theshredmethod.com/averagejoefinances

Find a REALTOR® in any state: www.averagejoefinances.com/realtor

Make Real Estate Investing Easier with DealMachine:

www.averagejoefinances.com/dealmachine

Podcast Hosting: www.averagejoefinances.com/buzzsprout

Podcast Editing Services: www.editpods.com

DISCLAIMER www.averagejoefinances.com/disclaimer

See our full episode transcripts here: www.averagejoefinancespod.com/episodes

Support the show

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Join Mike Cavaggioni with Dr. Phillip Hearn on the 162nd episode of the Average Joe Finances Podcast. Dr. Phillip shares gained financial independence by starting to invest in real estate as a side hustle and eventually making it his primary source of income.

In this episode, you’ll learn:
* How to transition a side hustle to a main hustle * Dr. Phillip’s diverse experience in the real estate market, * How he received his doctorate and how he became the highly successful entrepreneur that he is today * And so much more!

About Dr. Phillip Hearn:
Dr. Phillip Hearn Ed.D. is a results-driven Senior Executive, Consultant, and Board Member with more than 15 years of success in the telecom, construction, professional services, and farming industries.

Leveraging extensive experience with expansion, and financing, Phillip is a valuable asset for companies, particularly in real estate, seeking guidance on growth opportunities and process improvement.

His broad areas of expertise include research and learning, networking, account management, talent management, and customer service.

Find Dr. Phillip on:
Website: https://phillipspeaks.com

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

Average Joe Finances®
All of our social media links and more: https://averagejoefinances.com/links

About Mike: https://themikecav.com

REWBCON: Join me at the Real Estate Wealth Builders Conference. Use promo code “Mike” to save on tickets. https://averagejoefinances.com/rewbcon

Important Tools and Resources that I Use
Financial Resources: www.averagejoefinances.com/resources

CRM Tool: www.averagejoefinances.com/crm

Pay Off Your Mortgage in 5-7 Years:
www.theshredmethod.com/averagejoefinances

Find a REALTOR® in any state: www.averagejoefinances.com/realtor

Make Real Estate Investing Easier with DealMachine:
www.averagejoefinances.com/dealmachine

Podcast Hosting: www.averagejoefinances.com/buzzsprout

Podcast Editing Services: www.editpods.com

DISCLAIMER www.averagejoefinances.com/disclaimer

See our full episode transcripts here: www.averagejoefinancespod.com/episodes

Support the show

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Join Mike Cavaggioni with Jerome Myers on the 161st episode of the Average Joe Finances Podcast. Jerome shares how he uses his personal journey and unique training method to guide other apex performers in leadership positions. He helps them face their toughest personal and professional challenges head on.

In this episode, you’ll learn:

  • Transitioning from being a lone wolf real estate investor to having partnerships.
  • Relationship built partnerships versus business built partnerships.
  • How one should spend their time and what they should spend it on.
  • How to help people get to different levels of performance and get better at their craft.
  • And so much more!

About Jerome Myers:

Jerome Myers aka “J” is a developer of people and places. He is the founder and Chief Inspiration Officer of DreamCatchers and The Myers Development Group.

Through these entities he gets to live out his childhood dreams of helping people manifest the things they imagine and create social proof that dreams should be real.

Since leaving corporate America after building a 20MM division at a Fortune 550 company, J has become one of the most sought after thought leaders in the multifamily development space.

His company, The Myers Development Group, built a multi-million-dollar portfolio following the principles of Myers Methods.

Jerome pioneered Holistic Transformational Life Coaching more than 15 years ago. Up until about two years ago it was only used with his closest friends and family. They repeatedly urged him to share his techniques with others and laid the foundation for introducing his methods to the world.

Find Jerome on:

Website: http://www.jeromemyers.co/

Linkedin: https://www.linkedin.com/in/jeromemyers/

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

Average Joe Finances®

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

About Mike: https://themikecav.com

REWBCON: Join me at the Real Estate Wealth Builders Conference. Use promo code “Mike” to save on tickets. https://averagejoefinances.com/rewbcon

Important Tools and Resources that I Use

Financial Resources: www.averagejoefinances.com/resources

CRM Tool: www.averagejoefinances.com/crm

Pay Off Your Mortgage in 5-7 Years:

www.theshredmethod.com/averagejoefinances

Find a REALTOR® in any state: www.averagejoefinances.com/realtor

Make Real Estate Investing Easier with DealMachine:

www.averagejoefinances.com/dealmachine

Podcast Hosting: www.averagejoefinances.com/buzzsprout

Podcast Editing Services: www.editpods.com

DISCLAIMER www.averagejoefinances.com/disclaimer

See our full episode transcripts here: www.averagejoefinancespod.com/episodes

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Join Mike Cavaggioni with Logan Kohn on the 160th episode of the Average Joe Finances Podcast. Logan shares how he started various side hustles to make money and eventually invests while being frugal as possible to multiply his wealth through real estate

In this episode, you’ll learn:

  • The importance of a long-term mindset and how to use it to find financial freedom
  • How to spot a growing market through real estate market analysis
  • How having few expenses can multiply wealth through real estate
  • Gen Z’s mindset about the current economy, financial literacy, and investing
  • And so much more!

About Logan Kohn:

Logan is a 21 year old magician, investor and entrepreneur from Long Island, New York.

Logan bought $1.1M in real estate in under 1 year by the age of 21 years old and did this without even getting a college degree.

Find Logan on:

YouTube: https://www.youtube.com/c/LoganKohn/

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

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

TikTok: https://www.tiktok.com/@logankohn

Average Joe Finances®

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

About Mike: https://themikecav.com

REWBCON: Join me at the Real Estate Wealth Builders Conference. Use promo code “Mike” to save on tickets. https://averagejoefinances.com/rewbcon

Important Tools and Resources that I Use

Financial Resources: www.averagejoefinances.com/resources

CRM Tool: www.averagejoefinances.com/crm

Pay Off Your Mortgage in 5-7 Years:

www.theshredmethod.com/averagejoefinances

Find a REALTOR® in any state: www.averagejoefinances.com/realtor

Make Real Estate Investing Easier with DealMachine:

www.averagejoefinances.com/dealmachine

Podcast Hosting: www.averagejoefinances.com/buzzsprout

Podcast Editing Services: www.editpods.com

DISCLAIMER www.averagejoefinances.com/disclaimer

See our full episode transcripts here: www.averagejoefinancespod.com/episodes

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Join Mike Cavaggioni with Becky Nova on the 159th episode of the Average Joe Finances Podcast. Becky shares how she has grown a love in Real Estate and how Lady Landlords empower women to become knowledgeable and confident in Real Estate Investing.

In this episode, you’ll learn:

  • Investing with confidence
  • How to start building your portfolio the best way possible.
  • Why is it important for women to invest in real estate
  • How her programs encourage actionable steps
  • And so much more!

About Becky Nova:

Becky Nova is a real estate investor and founder of Lady Landlords. She owns and manages properties in New York City and the Dominican Republic.

She helps women achieve financial independence through real estate investing with courses, coaching and a free Facebook group of 25k+ women.

Find Becky on:

Website :https://www.lady-landlords.com/
Instagram: https://www.instagram.com/beckynova24

Average Joe Finances®

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

About Mike: https://themikecav.com

REWBCON: Join me at the Real Estate Wealth Builders Conference. Use promo code “Mike” to save on tickets. https://averagejoefinances.com/rewbcon

Important Tools and Resources that I Use

Financial Resources: www.averagejoefinances.com/resources

CRM Tool: www.averagejoefinances.com/crm

Pay Off Your Mortgage in 5-7 Years:

www.theshredmethod.com/averagejoefinances

Find a REALTOR® in any state: www.averagejoefinances.com/realtor

Make Real Estate Investing Easier with DealMachine:

www.averagejoefinances.com/dealmachine

Podcast Hosting: www.averagejoefinances.com/buzzsprout

Podcast Editing Services: www.editpods.com

DISCLAIMER www.averagejoefinances.com/disclaimer

See our full episode transcripts here: www.averagejoefinancespod.com/episodes

Support the show

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Join Mike Cavaggioni with Daniel Martinez on the 158th episode of the Average Joe Finances Podcast. Daniel shares his life journey towards financial freedom and how he came up with Hive Mind CRM, an effortless automation for an REI business.

In this episode, you’ll learn:

  • Transitioning from the trucking business to get into real estate
  • Benefits of building a network and podcast platform
  • Daniel’s life journey to financial freedom
  • And so much more!

About Daniel Martinez:

Daniel did a ton of different jobs coming up from painting, to door-to-door sales, telemarketing, truck driving, and loading trailers.

Daniel started The List Guys in 2020, a data and skip tracing service wherein they provide seller and buyers list nationwide. Their clients have been getting great results.

Daniel started the Hive in 2021 with his partner Anthony Gaona. It is a real estate and business mastermind that comes with an all in one CRM, that can host unlimited websites and users.

Starting the Hivemind has been an amazing journey for him. Seeing one of the users make a 6 figure month in June 2021 leveraging the software, for sure there will be plenty more to come!

Find Daniel on:

Website: https://www.dmartinez.io/

Facebook: https://www.facebook.com/groups/137799891494707/?ref=share

Instagram: https://www.instagram.com/daniel_._.martinez/

Average Joe Finances®

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

About Mike: https://themikecav.com

REWBCON: Join me at the Real Estate Wealth Builders Conference. Use promo code “Mike” to save on tickets. https://averagejoefinances.com/rewbcon

Important Tools and Resources that I Use

Financial Resources: www.averagejoefinances.com/resources

CRM Tool: www.averagejoefinances.com/crm

Pay Off Your Mortgage in 5-7 Years:

www.theshredmethod.com/averagejoefinances

Find a REALTOR® in any state: www.averagejoefinances.com/realtor

Make Real Estate Investing Easier with DealMachine:

www.averagejoefinances.com/dealmachine

Podcast Hosting: www.averagejoefinances.com/buzzsprout

Podcast Editing Services: www.editpods.com

DISCLAIMER www.averagejoefinances.com/disclaimer

See our full episode transcripts here: www.averagejoefinancespod.com/episodes

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Join Mike Cavaggioni with Brighton Gbarazia on the 157th episode of the Average Joe Finances Podcast. Brighton shares his expertise on wealth creation through Real Estate.

In this episode, you’ll learn:

  • How to purchase a home right
  • Current interest rate market and how that impacts homeownership
  • Common mistakes people make when buying a home.
  • And so much more!

About Brighton Gbarazia:

Brighton Gbarazia is the CEO of Wealth Marathon with over a decade of experience working with Canada’s largest banks to provide sound, straightforward financial advice to young Canadian professionals and families.

Along with his experience in the banking industry, Brighton is a licensed mortgage broker and holds a bachelor of business administration from Kwantlen Polytechnic University. When he isn’t talking about money, he’s planning his next international trip or running in the nearest half-marathon.

Find Brighton on:

Website: www.wealthmarathon.com
Linkedin: www.linkedin.com/in/brightongbarazia

Average Joe Finances®

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

About Mike: https://themikecav.com

REWBCON: Join me at the Real Estate Wealth Builders Conference. Use promo code “Mike” to save on tickets. https://averagejoefinances.com/rewbcon

Important Tools and Resources that I Use

Financial Resources: www.averagejoefinances.com/resources

CRM Tool: www.averagejoefinances.com/crm

Pay Off Your Mortgage in 5-7 Years:

www.theshredmethod.com/averagejoefinances

Find a REALTOR® in any state: www.averagejoefinances.com/realtor

Make Real Estate Investing Easier with DealMachine:

www.averagejoefinances.com/dealmachine

Podcast Hosting: www.averagejoefinances.com/buzzsprout

Podcast Editing Services: www.editpods.com

DISCLAIMER www.averagejoefinances.com/disclaimer

See our full episode transcripts here: www.averagejoefinancespod.com/episodes

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Join Mike Cavaggioni with T.R Smith on the 156th episode of the Average Joe Finances Podcast. T.R shares how you can maximize employee benefits, reduce your taxes, and build generational wealth.

In this episode, you’ll learn:

  • Understand the tax implications.
  • How to make a tremendous profit with minimal risk.
  • How to reduce your taxes in a big way so that you get an immediate profit on the money you filter through these accounts.
  • How to achieve a “Triple Tax Advantage” plus long term asset growth.
  • And so much more!

About T.R Smith:

T.R. Smith has been an investor since 1995. He has an MBA from the University of California, Berkeley, and has spent more than a decade working for public companies as a specialist in finance and real estate. He lives in Orange County, California, with his wife and two children. You can find him online at trsmithinvests.com or on Instagram and TikTok with the username @trsmithinvests.

T.R. Smith is the author of Paychecks and Profits.

Find T.R on:

Website: www.paychecksandprofits.com

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

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

Average Joe Finances®

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

About Mike: https://themikecav.com

REWBCON: Join me at the Real Estate Wealth Builders Conference. Use promo code “Mike” to save on tickets. https://averagejoefinances.com/rewbcon

Important Tools and Resources that I Use

Financial Resources: www.averagejoefinances.com/resources

CRM Tool: www.averagejoefinances.com/crm

Pay Off Your Mortgage in 5-7 Years:

www.theshredmethod.com/averagejoefinances

Find a REALTOR® in any state: www.averagejoefinances.com/realtor

Make Real Estate Investing Easier with DealMachine:

www.averagejoefinances.com/dealmachine

Podcast Hosting: www.averagejoefinances.com/buzzsprout

Podcast Editing Services: www.editpods.com

DISCLAIMER www.averagejoefinances.com/disclaimer

See our full episode transcripts here: www.averagejoefinancespod.com/episodes

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Join Mike Cavaggioni with Gil Baumgarten on the 155th episode of the Average Joe Finances Podcast. Gil shares his thoughts on timely finance topics, volatile market trends and the psychology behind smart investments.

In this episode, you’ll learn:

  • How to stay strong during market volatility
  • Having a healthy risk appetite when investing
  • How to start investing wisely
  • Having the discipline to become wealthy
  • And so much more!

About Gil Baumgarten:

Gil Baumgarten is a disruptive wealth management pioneer. After battling UBS in defense of 100% ETF portfolios, a direct assault on the firm’s fee-rich mutual fund business, he was on the original beta-test team of six advisors permitted to run discretionary ETF portfolios in 2002. He has since been named one of the “Top-20 ETF Thought Leaders in the U.S.” by Barron’s and The Wall Street Journal.

Gil’s fee-only fiduciary firm, Segment Wealth Management, is a top-15 firm in Houston as ranked by the Houston Business Journal. Gil is perennially named a top-50 advisor in Texas by Barron’s, out of the state’s 26,002 registrants.

Gil is also the best-selling author of FOOLISH: How Investors Get Worked Up and Worked Over by the System. The book takes readers through the dark tunnels of the brokerage fee ecosystem and takes a deep dive on investors’ self-harm tendencies driven by ego satisfaction.

Find Gil on:

Company Website: https://segmentwm.com/

Gil's Musings: https://segmentwm.com/blog/

Personal Website: https://gilbaumgarten.com/

Facebook: www.facebook.com/SegmentWealthManagement

LinkedIn: https://www.linkedin.com/in/gil-baumgarten/

Average Joe Finances®

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

About Mike: https://themikecav.com

REWBCON: Join me at the Real Estate Wealth Builders Conference. Use promo code “Mike” to save on tickets. https://averagejoefinances.com/rewbcon

Important Tools and Resources that I Use

Financial Resources: www.averagejoefinances.com/resources

CRM Tool: www.averagejoefinances.com/crm

Pay Off Your Mortgage in 5-7 Years:

www.theshredmethod.com/averagejoefinances

Find a REALTOR® in any state: www.averagejoefinances.com/realtor

Make Real Estate Investing Easier with DealMachine:

www.averagejoefinances.com/dealmachine

Podcast Hosting: www.averagejoefinances.com/buzzsprout

Podcast Editing Services: www.editpods.com

DISCLAIMER www.averagejoefinances.com/disclaimer

See our full episode transcripts here: www.averagejoefinancespod.com/episodes

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Join Mike Cavaggioni with Miriam Laundry on the 154th episode of the Average Joe Finances Podcast. Miriam shares how a simple book writing can open doors for your business

In this episode, you’ll learn:

  • How writing a children's book can open up opportunities for you
  • Empower readers to find their voice and make a difference by means of storytelling
  • Keeping audience on the edge of their seats by delivering your message in a subtle yet effective way
  • How can anyone write a children’s book
  • And so much more!

About Miriam Laundry:

Miriam is a five times bestselling children's book author and the CEO of ML Publishing. It's her absolute joy to help new authors publish their books and inspire children.

Find Miriam on:

Website: https://www.miriamlaundry.com

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

Instagram: https://instagram.com/miriamlaundrypublishing

Average Joe Finances®

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

About Mike: https://themikecav.com

REWBCON: Join me at the Real Estate Wealth Builders Conference. Use promo code “Mike” to save on tickets. https://averagejoefinances.com/rewbcon

Important Tools and Resources that I Use

Financial Resources: www.averagejoefinances.com/resources

CRM Tool: www.averagejoefinances.com/crm

Pay Off Your Mortgage in 5-7 Years:

www.theshredmethod.com/averagejoefinances

Find a REALTOR® in any state: www.averagejoefinances.com/realtor

Make Real Estate Investing Easier with DealMachine:

www.averagejoefinances.com/dealmachine

Podcast Hosting: www.averagejoefinances.com/buzzsprout

Podcast Editing Services: www.editpods.com

DISCLAIMER www.averagejoefinances.com/disclaimer

See our full episode transcripts here: www.averagejoefinancespod.com/episodes

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Join Mike Cavaggioni with Wyatt Simon on the 153rd episode of the Average Joe Finances Podcast. Wyatt shares how you can make a community better one property at a time.

In this episode, you’ll learn:

  • The power of BRRRR and creative finance
  • Why you should consider switching from single family to multifamily
  • How financial freedom give you the freedom to do whatever you want
  • How to add value to people
  • And so much more!

About Wyatt Simon:

Wyatt is a Colorado Native turned Nebraska basketball player. He became the captain of the basketball team in college before venturing into real estate. He has now been in real estate for 6 years. He is a full time investor with a current portfolio of 157 units and 27 more units currently under contract.

Wyatt is the owner of Full Circle Property Management which is his in-house management of his current portfolio. He is also the co-owner of Full Circle Real Estate which is an off market deal finding company which purchased 26 deals off market last year and already have closed on 22 this year.

Find Wyatt on:
Website: https://www.FCequitypartners.com/
Facebook: https://www.facebook.com/wyatt.simon
Instagram: https://www.instagram.com/Wyattbuysbuildings

Average Joe Finances®
All of our social media links and more: https://averagejoefinances.com/links
About Mike: https://themikecav.com

REWBCON: Join me at the Real Estate Wealth Builders Conference. Use promo code “Mike” to save on tickets. https://averagejoefinances.com/rewbcon

Important Tools and Resources that I Use

Financial Resources: www.averagejoefinances.com/resources

CRM Tool: www.averagejoefinances.com/crm

Pay Off Your Mortgage in 5-7 Years:

www.theshredmethod.com/averagejoefinances

Find a REALTOR® in any state: www.averagejoefinances.com/realtor

Make Real Estate Investing Easier with DealMachine:

www.averagejoefinances.com/dealmachine

Podcast Hosting: www.averagejoefinances.com/buzzsprout

Podcast Editing Services: www.editpods.com

DISCLAIMER www.averagejoefinances.com/disclaimer

See our full episode transcripts here: www.averagejoefinancespod.com/episodes

Support the show

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Join Mike Cavaggioni with Adiel Gorel on the 152nd episode of the Average Joe Finances Podcast. Adiel shares how he successfully assisted thousands of investors with purchasing U.S. properties since 1983.

In this episode, you’ll learn:

  • Efficient methods that will make it possible for anyone to invest in real estate
  • How Inflation can be your best friend
  • How to retire early
  • The secrets of being debt free
  • And so much more!

About Adiel Gorel:

Adiel Gorel is the CEO of ICG, a prominent real estate investment firm located in the San Francisco Bay Area.

Through ICG he has personally invested in hundreds of properties for his own portfolio and was involved in the purchase of over 10,000 properties for ICG’s investors in Phoenix, Las Vegas, Orlando, Tampa, Jacksonville, Dallas, Houston, Austin, San Antonio, Atlanta, Nashville, Huntsville, Boise, Oklahoma City, Tulsa, Salt Lake City, to name just a few.

Adiel holds a master’s degree from Stanford University. His professional experience includes Management and Director Positions in firms including Hewlett- Packard, Excel Telecommunications, and biotechnology firms.

Find Robert on:

Website: https://adielgorel.com, https://adielgorel.com/speaking

ICG Real Estate Investment: https://icgre.com, https://icgre.com/pressroom/

Entrepreneur: https://www.entrepreneur.com/article/389304

Youtube: https://www.youtube.com/channel/UCiz2UK9KjOWPeIwd48EWJJw, https://youtu.be/EbR81Q-7gYU

Average Joe Finances®

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

About Mike: https://themikecav.com

REWBCON: Join me at the Real Estate Wealth Builders Conference. Use promo code “Mike” to save on tickets. https://averagejoefinances.com/rewbcon

Important Tools and Resources that I Use

Financial Resources: www.averagejoefinances.com/resources

CRM Tool: www.averagejoefinances.com/crm

Pay Off Your Mortgage in 5-7 Years:

www.theshredmethod.com/averagejoefinances

Find a REALTOR® in any state: www.averagejoefinances.com/realtor

Make Real Estate Investing Easier with DealMachine:

www.averagejoefinances.com/dealmachine

Podcast Hosting: www.averagejoefinances.com/buzzsprout

Podcast Editing Services: www.editpods.com

DISCLAIMER www.averagejoefinances.com/disclaimer

See our full episode transcripts here: www.averagejoefinancespod.com/episodes

Support the show

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Join Mike Cavaggioni with Robert Persichitte on the 151st episode of the Average Joe Finances Podcast. Robert shares how he helps people keep their money, avoid and recover from mistakes, ripoffs, and taxes.

In this episode, you’ll learn:

  • Emerging financial scams
  • Unregulated investments and how do they impact people
  • The traps and scams at penny stocks or cryptocurrency market
  • The importance of management and a win-win model
  • And so much more!

About Robert Persichitte:Robert Persichitte, CPA, CFP®, has guided business leaders and individuals with financial and investment decisions for over eight years. He is an accountant at heart and an award-winning analyst known for using data to make sound decisions. He is driven to improve the world and help clients avoid mistakes and scams.

Since 2017, he has been the director of the Volunteer Income Tax Assistance (VITA) Program at the Metropolitan State University of Denver. He served as an auditor for over ten years working in tax, fraud, and asset recovery. He now runs his financial planning firm.

Find Robert on:

Website: https://delagify.com/

LinkedIn: https://www.linkedin.com/in/robert-persichitte/

Average Joe Finances®

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

About Mike: https://themikecav.com

REWBCON: Join me at the Real Estate Wealth Builders Conference. Use promo code “Mike” to save on tickets. https://averagejoefinances.com/rewbcon

Important Tools and Resources that I Use

Financial Resources: www.averagejoefinances.com/resources

CRM Tool: www.averagejoefinances.com/crm

Pay Off Your Mortgage in 5-7 Years:

www.theshredmethod.com/averagejoefinances

Find a REALTOR® in any state: www.averagejoefinances.com/realtor

Make Real Estate Investing Easier with DealMachine:

www.averagejoefinances.com/dealmachine

Podcast Hosting: www.averagejoefinances.com/buzzsprout

Podcast Editing Services: www.editpods.com

DISCLAIMER www.averagejoefinances.com/disclaimer

See our full episode transcripts here: www.averagejoefinancespod.com/episodes

Support the show

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Join Mike Cavaggioni with Dearonne Bethea on the 150th episode of the Average Joe Finances Podcast. Dearonne shares his passion and purpose to educate others on financial literacy, give back to the community and provide the blueprint on how to create generational wealth. He is on a path to 100 businesses and 100 streams of income.

In this episode, you’ll learn:

  • Simple investing and learning how money makes money
  • How to get into real estate investing
  • Buying houses in low-income areas and giving back to the community
  • Learning alternative investments and creating more income
  • And so much more!

About Dearonne Bethea:

Dearonne Bethea is a corporate business owner, real estate investor, founder/CEO of Band of Brothers Investment Group (BOB), Acquisitions and Key Principal for Tri-City Equity Group and a Chief Warrant Officer Three in the US Army. By applying the leadership, strategic, and operational skills he obtained in the military to his personal life, he has created a net worth of over $12 million dollars through his businesses, assets and investments.

In 2016, Dearonne and his wife, Pamela, created the non-profit organization, The Dearonne and Pamela Bethea Foundation which focuses on community outreach, entrepreneur internship opportunities for young adults that need a second chance, and housing for low income families.

Find Dearonne on:Website: https://bobinvestmentgroup.com
Facebook: https://www.facebook.com/dearonne.bethea
Instagram: https://www.instagram.com/dearonne.bethea
LinkedIn: https://www.linkedin.com/in/dearonne

Average Joe Finances®All of our social media links and more: https://averagejoefinances.com/links
About Mike: https://themikecav.com

REWBCON: Join me at the Real Estate Wealth Builders Conference. Use promo code “Mike” to save on tickets. https://averagejoefinances.com/rewbcon

Important Tools and Resources that I UseFinancial Resources: www.averagejoefinances.com/resources
CRM Tool: www.averagejoefinances.com/crm

Pay Off Your Mortgage in 5-7 Years:www.theshredmethod.com/averagejoefinances
Find a REALTOR® in any state: www.averagejoefinances.com/realtor

Make Real Estate Investing Easier with DealMachine: www.averagejoefinances.com/dealmachine

Podcast Hosting: www.averagejoefinances.com/buzzsprout

Podcast Editing Services: www.editpods.com

DISCLAIMER www.averagejoefinances.com/disclaimer

See our full episode transcripts here: www.averagejoefinancespod.com/episodes

Support the show

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Join Mike Cavaggioni with Aaron Rubin on the 149th episode of the Average Joe Finances Podcast. Aaron shares his pride in helping tech clients make tax-savvy, financially sound decisions about their stock compensation packages.

In this episode, you’ll learn:

  • Secrets to stock option planning
  • Stock option horror stories
  • Stock option wins
  • How can someone invest tax efficiently
  • And so much more!

About Aaron Rubin:

Aaron specializes in financial, estate, and tax planning. With an extensive background in financial services, he advises on some of the most pivotal decisions in his clients’ lives. He received a BA in Economics-Accounting-Spanish from Claremont McKenna College. He graduated cum laude from the University of Illinois College of Law and was admitted as a member of the California Bar in 2006. He is licensed as a certified public accountant, and in 2009, received his CFP® designation.

Aaron started his career in accounting, working at international CPA firm Deloitte, where he focused on high net worth individual income tax returns. He then moved to Abbott Stringham & Lynch — a regional CPA firm — expanding his focus to estate and gift tax returns and planning. He has been with WRP since 2009.

Find Aaron on:Website: https://wrpwealth.com
Facebook: https://www.facebook.com/WRPWealth
Twitter: https://twitter.com/wrpwealth
LinkedIn: https://www.linkedin.com/company/wrpwealth

Average Joe Finances®All of our social media links and more: https://averagejoefinances.com/links
About Mike: https://themikecav.com

REWBCON: Join me at the Real Estate Wealth Builders Conference. Use promo code “Mike” to save on tickets. https://averagejoefinances.com/rewbcon

Tools and resources I use: www.averagejoefinances.com/resources

CRM Tool: www.averagejoefinances.com/crm

Pay Off Your Mortgage in 5-7 Years:www.theshredmethod.com/averagejoefinances
Find a REALTOR® in any state: www.averagejoefinances.com/realtor

Make Real Estate Investing Easier with DealMachine:www.averagejoefinances.com/dealmachine

Podcast Hosting: www.averagejoefinances.com/buzzsprout

Podcast Editing Services: www.editpods.com

DISCLAIMER www.averagejoefinances.com/disclaimer

See our full episode transcripts here: www.averagejoefinancespod.com/episodes

Support the show

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Join Mike Cavaggioni with David Lecko on the 148th episode of the Average Joe Finances Podcast. David shares about his journey driving for dollars, and how building a widget turned it into DealMachine.

In this episode, you’ll learn:

  • Understanding the mindset on active versus passive wealth building, and putting active income to work.
  • How DealMachine evolved from a self-serving widget to helping other people with real estate deals.
  • How his clients are leveraging DealMachine to scale their businesses.
  • Special features that DealMachine provides.
  • And so much more!

About David Lecko:

David Lecko is the founder and CEO of DealMachine, a platform that helps real estate investors get more deals for less money with software for lead generation, lead filtering and targeting, marketing and outreach, and acquisitions and dispositions. David created DealMachine in 2017 to acquire his first rental property through driving for dollars. He’s built a 2 million rental portfolio with the app.

Find David Lecko on:Website: www.dealmachine.com
Twitter: https://twitter.com/tweetingdavid
Facebook: https://www.facebook.com/david.lecko
Instagram: https://www.instagram.com/dlecko

DealMachine:Twitter: https://twitter.com/dealmachineapp
Facebook:https://www.facebook.com/dealmachineapp/
Instagram: https://www.instagram.com/dealmachineapp/

Average Joe Finances®All of our social media links and more: https://averagejoefinances.com/links
About Mike: https://themikecav.com

REWBCON: Join me at the Real Estate Wealth Builders Conference. Use promo code “Mike” to save on tickets. https://averagejoefinances.com/rewbcon

Tools and resources I use: www.averagejoefinances.com/resources

CRM Tool: www.averagejoefinances.com/crm

Pay Off Your Mortgage in 5-7 Years:www.theshredmethod.com/averagejoefinances

Find a REALTOR® in any state: www.averagejoefinances.com/realtor

Make Real Estate Investing Easier with DealMachine: www.averagejoefinances.com/dealmachine

Podcast Hosting: www.averagejoefinances.com/buzzsprout

Podcast Editing Services: www.editpods.com

DISCLAIMER www.averagejoefinances.com/disclaimer

See our full episode transcripts here: www.averagejoefinancespod.com/episodes

Support the show

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Join Mike Cavaggioni with Flint Jamison on the 147th episode of the Average Joe Finances Podcast. Flint shares How the Average Joe can invest in commercial real estate through syndications.

In this episode, you’ll learn:

  • How Build to Rent works
  • The comparisons of Real Estate Investments (single family, REITs, apartments, self storage)
  • Advantages and Risks of investing in Real Estate
  • Exit Strategies of Build To Rent
  • And so much more!

About Flint Jamison:Flint spent 20 years in aerospace as an engineer and program manager. He is now finding a path to early retirement through commercial real estate investments

Flint started his real estate endeavor with a duplex that he rehabbed in 2018. From there, he quickly pivoted to multifamily syndications, where there is greater stability and returns.

Flint’s portfolio is currently around 1,500 units

Find Flint Jamison on:Website: https://vestuscapital.com
LinkedIn: https://www.linkedin.com/in/flintjamison
Facebook: https://www.facebook.com/vestuscapital
Instagram: https://www.instagram.com/vestuscapital/

Average Joe Finances®All of our social media links and more: https://averagejoefinances.com/links
About Mike: https://themikecav.com

REWBCON: Join me at the Real Estate Wealth Builders Conference. Use promo code “Mike” to save on tickets. https://averagejoefinances.com/rewbcon

Tools and resources I use: www.averagejoefinances.com/resources

CRM Tool: www.averagejoefinances.com/crm

Pay Off Your Mortgage in 5-7 Years:www.theshredmethod.com/averagejoefinances

Find a REALTOR® in any state: www.averagejoefinances.com/realtor

Make Real Estate Investing Easier with DealMachine:www.averagejoefinances.com/dealmachine

Podcast Hosting: www.averagejoefinances.com/buzzsprout

Podcast Editing Services: www.editpods.com

DISCLAIMER www.averagejoefinances.com/disclaimer

See our full episode transcripts here: www.averagejoefinancespod.com/episodes

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Join Mike Cavaggioni with Alejandro Szita on the 146th episode of the Average Joe Finances Podcast. Alejandro shares practical information about money that empowers clients financially and helps them keep more of the money they earn.

In this episode, you’ll learn:

  • How self-employed people can qualify for a mortgage; challenges and solutions
  • Mortgage loan types specifically designed for entrepreneurs and business owners
  • Credit score challenges for entrepreneurs; tips for improving your credit score
  • Using your mortgage to build savings
  • And so much more!

About Alejandro Szita:

Alejandro Szita is a California & Florida mortgage broker for business owners and self-employed professionals. He is a real estate and mortgage professional since 2005, he explored the world of real estate from all angles—commercial, residential and capital raising—before realizing that real estate finance was his true passion. His clients range from top artists and entrepreneurs to freelancers and owners of mom-and-pop retail stores.

Find Alejandro Szita on:Website: www.prosperitylending.us
Facebook: https://www.facebook.com/prosperitylendingfb
LinkedIn: https://www.linkedin.com/in/alejandroszita/

Average Joe Finances®All of our social media links and more: https://averagejoefinances.com/links
About Mike: https://themikecav.com

REWBCON: Join me at the Real Estate Wealth Builders Conference. Use promo code “Mike” to save on tickets. https://averagejoefinances.com/rewbcon

Tools and resources I use: www.averagejoefinances.com/resources

CRM Tool: www.averagejoefinances.com/crm

Pay Off Your Mortgage in 5-7 Years:www.theshredmethod.com/averagejoefinances
Find a REALTOR® in any state: www.averagejoefinances.com/realtor

Make Real Estate Investing Easier with DealMachine:www.averagejoefinances.com/dealmachine

Podcast Hosting: www.averagejoefinances.com/buzzsprout

Podcast Editing Services: www.editpods.com

DISCLAIMER www.averagejoefinances.com/disclaimer

See our full episode transcripts here: www.averagejoefinancespod.com/episodes

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Join Mike Cavaggioni with DC Glenn on the 145th episode of the Average Joe Finances Podcast. DC shares his passion for empowering, educating, and leaving a legacy of inspiration behind for his fellow artists, or anyone who hopes to succeed in any endeavor their heart desires.

In this episode, you’ll learn:

  • Learn how to master your craft.
  • What is Search Channel Optimization (SCO) and how it works
  • The importance of organization and its impact
  • The importance of learning and understanding the vocabulary of your craft
  • And so much more!

About DC Glenn:

DC Glenn made musical history as DC The Brain Supreme of Tag Team with his multi platinum hit single and album "​ Whoomp!, There It is! "​. This multi-talented musician, producer, DJ, marketer and all around business man has his own digital marketing company called CLG Investments Inc.

In combination with excelling in voice acting booking as one of the top urban voices for Apple's ITunes Radio. In addition, he is one of the most well-known DJ’s in Atlanta, performing at legendary clubs such as Magic City, Atlanta Live, Colbalt Lounge, and Strokers just to mention a few.

DC has worked from the ground up to develop a rewarding business, and nowadays is on the verge of strengthening his enterprise to a level seen by few.

Find DC Glenn on:Website: https://www.tagteambackagain.com/
LinkedIn: https://www.linkedin.com/in/dcglennatl/
Instagram: https://www.instagram.com/dcglennatl/?hl=en
Twitter: https://www.facebook.com/dcglennatl/
Facebook: https://www.facebook.com/dcglennatl/

Average Joe Finances®All of our social media links and more: https://averagejoefinances.com/links
About Mike: https://themikecav.com

REWBCON: Join me at the Real Estate Wealth Builders Conference. Use promo code “Mike” to save on tickets. https://averagejoefinances.com/rewbcon

Tools and resources I use: www.averagejoefinances.com/resources

CRM Tool: www.averagejoefinances.com/crm

Pay Off Your Mortgage in 5-7 Years:www.theshredmethod.com/averagejoefinances
Find a REALTOR® in any state: www.averagejoefinances.com/realtor

Make Real Estate Investing Easier with DealMachine:www.averagejoefinances.com/dealmachine

Podcast Hosting: www.averagejoefinances.com/buzzsprout

Podcast Editing Services: www.editpods.com

DISCLAIMER www.averagejoefinances.com/disclaimer

See our full episode transcripts here: www.averagejoefinancespod.com/episodes

Support the show

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Join Mike Cavaggioni with Craig Cecilio on the 144th episode of the Average Joe Finances Podcast. Craig shares his strategic approach on innovation and accessibility, harnessing capital aggregation to build alternative investment portfolios.

In this episode, you’ll learn:

  • The first step people should take in properly educating themselves to start making investment decisions.
  • Thoughts on diverse investments for ordinary people to participate fairly in capital markets
  • How technology can play a part in reducing the wealth gap
  • How DiversyFund breaks down the barriers that keep most Americans from investing like the top 1%
  • And so much more!

About Craig Cecilio:Craig Cecilio envisions a world where everyone has an equal opportunity to build wealth. He is the Founder and CEO of DiversyFund and a Fintech Platform engineer who serves the everyday investor.

Cecilio and associates manage over half a million accounts with more than 30,000 active stakeholders.

Before launching DiversyFund in 2014, Cecilio earned his BA from the University of Colorado and received his California BRE Broker License. He sat on the Board of Directors at ‘A Reason to Survive’ non-profit for nearly half a decade.

Find Craig Cecilio on:Website: http://craigcecilio.com/
LinkedIn: https://www.linkedin.com/in/craigcecilio/
Instagram: https://www.instagram.com/cxcecilio/?hl=en
Twitter: https://twitter.com/cxcecilio

Average Joe Finances®All of our social media links and more: https://averagejoefinances.com/links
About Mike: https://themikecav.com

REWBCON: Join me at the Real Estate Wealth Builders Conference. Use promo code “Mike” to save on tickets. https://averagejoefinances.com/rewbcon

Tools and resources I use: www.averagejoefinances.com/resources

CRM Tool: www.averagejoefinances.com/crm

Pay Off Your Mortgage in 5-7 Years:www.theshredmethod.com/averagejoefinances
Find a REALTOR® in any state: www.averagejoefinances.com/realtor

Make Real Estate Investing Easier with DealMachine:www.averagejoefinances.com/dealmachine

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Join Mike Cavaggioni with Jorge Abreau on the 143rd episode of the Average Joe Finances Podcast. Jorge shares his expertise and experience on commercial construction and multifamily syndications & development.

In this episode, you’ll learn:

  • The deciding factor of quitting a 9-5 job and investing in real estate full time.
  • Importance of hiring a business coach.
  • Best markets to invest in.
  • Why it’s always a good time to buy real estate.
  • Having other businesses that compliment your real estate investing.
  • And so much more!

About Jorge Abreau:Jorge Abreau is an Active & Passive Full Time Multifamily Real Estate Investor. He is an owner and operator of 5,814 Doors.He is also the Co-Founder and CEO of Elevate. Jorge has been Investing in Real Estate for over 15 years. He started in Single Family, small Multifamily properties and eventually worked his way up to large 100+ Unit Multifamily.

He also started and built a Construction Company which is the inhouse construction arm for Elevate. Jorge and his company Elevate combined have acquired 6,849 Units. They have exited out of 1,416 of those units and currently have $500M+ Assets under management.

Find Jorge Abreau on:Website:https://www.elevatecig.com
Facebook: https://www.facebook.com/JorgeMultifamily
Instagram: https://www.instagram.com/jorgemultifamily
LinkedIn: https://www.linkedin.com/in/jorgelabreu

Average Joe Finances®All of our social media links and more: https://averagejoefinances.com/links
About Mike: https://themikecav.com

REWBCON: Join me at the Real Estate Wealth Builders Conference. Use promo code “Mike” to save on tickets. https://averagejoefinances.com/rewbcon

Tools and resources I use: www.averagejoefinances.com/resources

CRM Tool: www.averagejoefinances.com/crm

Pay Off Your Mortgage in 5-7 Years:www.theshredmethod.com/averagejoefinances
Find a REALTOR® in any state: www.averagejoefinances.com/realtor

Make Real Estate Investing Easier with DealMachine: www.averagejoefinances.com/dealmachine

Podcast Hosting: www.averagejoefinances.com/buzzsprout

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DISCLAIMER www.averagejoefinances.com/disclaimer

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Join Mike Cavaggioni with Vince Scolari on the 142nd episode of the Average Joe Finances Podcast. Vince shares how to build a meaningful network of like-minded real estate entrepreneurs and had success with his acquisitions across the domestic U.S., targeting markets that are poised for growth.

In this episode, you’ll learn:

  • The key factors to look for when picking a market to invest in
  • Why real estate is a great asset class to build wealth
  • The process of building a team for syndication deals
  • Opportunities, responsibilities, and pressure of a real estate investor
  • And so much more!

About Vince Scolari:

After he graduated from Santa Clara University with a degree in Business Management, he started his career in Risk Management for construction and development. He found himself getting close to different development projects, contractors, and seeing how the property landscape was rapidly evolving in the Bay Area. He started investing in syndications right out of college, seeing the power that equity growth could bring. He eventually became a Partner and Owner at his Brokerage after growing his client base and adding significant value to his firm.

Vince is an active Member of the Board of the Santa Clara University Bronco Builders Association, Construction Financial Manager’s Association (CFMA), and United Contractors Association. He is also passionate about giving back, active as a contributing board member with a number non-profit and community organizations aimed at supporting education and healthcare in the Bay Area.

Find Vince Scolari on:Website: https://laurencerosecapital.com
Facebook: https://www.facebook.com/Laurencerosecapital
Instagram: https://www.instagram.com/laurencerosecapital
Youtube: https://youtube.com/channel/UCaSk7njrtN92103rnp8lJFg

Average Joe Finances®All of our social media links and more: https://averagejoefinances.com/links
About Mike: https://themikecav.com

REWBCON: Join me at the Real Estate Wealth Builders Conference. Use promo code “Mike” to save on tickets. https://averagejoefinances.com/rewbcon

Tools and resources I use: www.averagejoefinances.com/resources

CRM Tool: www.averagejoefinances.com/crm

Pay Off Your Mortgage in 5-7 Years:www.theshredmethod.com/averagejoefinances
Find a REALTOR® in any state: www.averagejoefinances.com/realtor

Make Real Estate Investing Easier with DealMachine:www.averagejoefinances.com/dealmachine

Podcast Hosting: www.averagejoefinances.com/buzzsprout

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DISCLAIMER www.averagejoefinances.com/disclaimer

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Join Mike Cavaggioni with Tony Bradshaw on the 141th episode of the Average Joe Finances Podcast. Tony shares how made his millionaire choice, created his millionaire plan and helped other people create their own millionaire plan.

In this episode, you’ll learn:

  • How you can make the millionaire choice with the right mindset.
  • Importance of mindset to becoming wealthy.
  • The financial vision of abundance to those who don't have a financial vision.
  • How to Make the Millionaire Plan.
  • And so much more!

About Tony:

Tony has spent over 16 years working in the personal finance space as VP, CIO and COO. Over his career, he focused on developing digital products and systems to help people with their financial education and tools to manage their money.

Over time, Tony realized that one of his passions is to see people succeed and enjoy a better and more fulfilled life. One of the components for a more fulfilled life is personal finance.

Tony has 15 years of financial experience by running C-Suite, online business development and strategy for Dave Ramsey, and branched off in order to show people the value of diversity within your investment portfolio, including: crypto, precious metals and hard assets.

Find Tony Bradshaw on:Website: https://www.themillionairechoice.com/
Instagram: https://www.instagram.com/tonybradshaw.millionairechoice/
Facebook: https://www.facebook.com/themillionairechoice/

Average Joe Finances®All of our social media links and more: https://averagejoefinances.com/links
About Mike: https://themikecav.com

REWBCON: Join me at the Real Estate Wealth Builders Conference. Use promo code “Mike” to save on tickets. https://averagejoefinances.com/rewbcon

Tools and resources I use: www.averagejoefinances.com/resources

CRM Tool: www.averagejoefinances.com/crm

Pay Off Your Mortgage in 5-7 Years:www.theshredmethod.com/averagejoefinances

Find a REALTOR® in any state: www.averagejoefinances.com/realtor

Make Real Estate Investing Easier with DealMachine: www.averagejoefinances.com/dealmachine

Podcast Hosting: www.averagejoefinances.com/buzzsprout

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DISCLAIMER www.averagejoefinances.com/disclaimer

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Join Mike Cavaggioni with Henry Washington on the 140th episode of the Average Joe Finances Podcast. Henry shares how to multiply yourself, your wealth, and your freedom with real estate investing.

In this episode, you’ll learn:

  • Why HELOC (Home Equity Line of Credit) is one of the best options in purchasing your deals
  • How to finance deals with little to no money utilizing in small banks
  • How to locate, evaluate and select the right bank for your deal
  • Buying properties in an expensive market and still cash flow
  • And so much more!

About Henry:Henry Washington is an author, entrepreneur, and real estate investor with more than 65 rental units and dozens of house flips under his belt. Henry built his rental portfolio in just 3 and a half years, allowing him to achieve his goal of financial freedom.

Henry has been featured in numerous online and television publications like FOX Business Morning Show FBN:AM, Yahoo Finance, Business Insider, NBC, CBS, CourseMethod & BiggerPockets - where he enjoys showing others the power of real estate investing and financial freedom.

Find Henry Washington on:Website: https://www.gumroad.com/henrywashington
LinkedIn: https://www.linkedin.com/in/henry-washington-543aa91/
Instagram: https://www.instagram.com/thehenrywashington/

Average Joe Finances®All of our social media links and more: https://averagejoefinances.com/links
About Mike: https://themikecav.com

Tools and resources I use: www.averagejoefinances.com/resources

CRM Tool: www.averagejoefinances.com/crm

Pay Off Your Mortgage in 5-7 Years:www.theshredmethod.com/averagejoefinances
Find a REALTOR® in any state: www.averagejoefinances.com/realtor

Make Real Estate Investing Easier with DealMachine: www.averagejoefinances.com/dealmachine

Podcast Hosting: www.averagejoefinances.com/buzzsprout

Podcast Editing Services: www.editpods.com

DISCLAIMER www.averagejoefinances.com/disclaimer

See our full episode transcripts here: www.averagejoefinancespod.com/episodes

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Join Mike Cavaggioni with Martin Saenz on the 139th episode of the Average Joe Finances Podcast. Louis shares how he brings social good into smart investing, helping investors grow their wealth and helping mortgage borrowers stay in their homes.

In this episode, you’ll learn:

  • What is Bequest Funds and what does it do
  • How mortgage note investing works
  • How to raise the capital and get into residential and commercial real estate
  • And so much more!

About Martin:

Martin Saenz is a Managing Partner of Bequest Funds. Renowned as a thought leader in the mortgage note investment industry, Martin is generous with his first hand expertise, to the benefit of his many clients and followers. Genuine, loyal, and passionate about creating a better world through profitable business, he works hard to share and spread success.

Martin co founded Bequest Funds with the dual purpose of helping investors grow their wealth and helping mortgage borrowers stay in their homes. Martin owned and operated multiple successful companies prior to launching Bequest. A successful entrepreneur and real estate investor for over 15 years, he brings a high level of strategy and experience to the Bequest model. He has directly helped over a thousand families stay in their homes, and countless more through the influence of his mentorship.

Martin holds a BA degree in Philosophy from U.T. — San Antonio, an MBA from Drexel University, and a M.S. in Project Management from George Washington University.

Find Martin Saenz on:
Twitter: https://twitter.com/martin_j_saenz
LinkedIn: https://www.linkedin.com/in/martin-saenz-bequest/

Bequest Funds:
Website: https://www.BQFunds.com
LinkedIn: https://www.linkedin.com/company/bequest-funds/

Average Joe Finances®
All of our social media links and more: https://averagejoefinances.com/links
About Mike: https://themikecav.com

Tools and resources I use: www.averagejoefinances.com/resources

CRM Tool: www.averagejoefinances.com/crm

Pay Off Your Mortgage in 5-7 Years:www.theshredmethod.com/averagejoefinances
Find a REALTOR® in any state: www.averagejoefinances.com/realtor

Make Real Estate Investing Easier with DealMachine:www.averagejoefinances.com/dealmachine

Podcast Hosting: www.averagejoefinances.com/buzzsprout

Podcast Editing Services: www.editpods.com

DISCLAIMER www.averagejoefinances.com/disclaimer

See our full episode transcripts here: www.averagejoefinancespod.com/episodes

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Join Mike Cavaggioni with Louis O'Conner on the 138th episode of the Average Joe Finances Podcast. Louis shares how he offers private investors industrial-grade Rare Earth Metals as physical assets.

In this episode, you’ll learn:

  • The benefits of owning rare earth metals
  • The growth of the rare earth metals industry over the last few years
  • How to purchase the tax-free earth metals through Strategic Metals Invest
  • And so much more!

About Louis:Louis O' Connor is the Founder and Principal of Strategic Metals Invest, the only industry supplier in the world to offer private investors the option to purchase and profit from owning Strategic Metals, where the investment play is exactly the same paradigm as investing in Precious Metals, instead, the investor is purchasing Strategic Metals.

Find Louis O’Conner on:Website: https://strategicmetalsinvest.com/
LinkedIn: https://www.linkedin.com/in/louis-o-connor-a583341b8/
Twitter: https://twitter.com/MetalsInvest
Youtube: https://www.youtube.com/channel/UCLUlCpVYmUjJ4cR4KU_draQ/featured
Facebook: https://www.facebook.com/StrategicMetalsInvest

Average Joe Finances®All of our social media links and more: https://averagejoefinances.com/links
About Mike: https://themikecav.com

Tools and resources I use: www.averagejoefinances.com/resources

CRM Tool: www.averagejoefinances.com/crm

Pay Off Your Mortgage in 5-7 Years:www.theshredmethod.com/averagejoefinances
Find a REALTOR® in any state: www.averagejoefinances.com/realtor

Make Real Estate Investing Easier with DealMachine: www.averagejoefinances.com/dealmachine

Podcast Hosting: www.averagejoefinances.com/buzzsprout

Podcast Editing Services: www.editpods.com

DISCLAIMER www.averagejoefinances.com/disclaimer

See our full episode transcripts here: www.averagejoefinancespod.com/episodes

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Join Mike Cavaggioni with Dr. Virgie Bright Ellington on the 137th episode of the Average Joe Finances Podcast. Dr. Virgie shares some practical strategies in understanding complex medical procedures, avoiding financial devastation from medical bills, and encouraging effective communication with medical facilities and insurance companies.

In this episode, you’ll learn:

  • Handling surprise charges on bills
  • Tips for negotiating medical debt
  • Getting medical debt off our credit report
  • What to do when private insurance won’t cover certain costs
  • And so much more!

About Dr. Virgie:

Virgie Bright Ellington, MD, is an internal medicine physician and medical billing expert. A dedicated patient advocate, Dr. Virgie earned her degree at the University of Michigan Medical School and trained at the Cambridge Hospital of Harvard Medical School.

After practicing more than 20 years in primary care and psychiatric settings and as a health insurance executive, Dr. Virgie now helps patients understand complex medical procedures, communicate effectively with their healthcare providers, and avoid financial devastation from crushing medical bills through her What Your Doctor Wants You to Know series.

She is the author of "What Your Doctor Wants You to Know to CRUSH MEDICAL DEBT" and the host of the weekly "Ask a Doctor - What Your Doctor Wants You to Know with Dr. Virgie" show on the VoiceAmerica radio network.

Find Dr. Virgie Bright Ellington on:Website: https://crushmedicaldebt.com/
Twitter: https://twitter.com/therealdrvirgie
Facebook:https://www.facebook.com/DoctorDiaries
Instagram: https://www.instagram.com/therealdrvirgie/
Youtube: https://www.youtube.com/channel/UCmA-WL2ucIfDelCMr1wzgKg
LinkedIn: https://www.linkedin.com/in/drvirgie/

Average Joe Finances®All of our social media links and more: https://averagejoefinances.com/links

About Mike: https://themikecav.com

Tools and resources I use: www.averagejoefinances.com/resources

CRM Tool: www.averagejoefinances.com/crm

Pay Off Your Mortgage in 5-7 Years:www.theshredmethod.com/averagejoefinances

Find a REALTOR® in any state: www.averagejoefinances.com/realtor

Make Real Estate Investing Easier with DealMachine:www.averagejoefinances.com/dealmachine

Podcast Hosting: www.averagejoefinances.com/buzzsprout

Podcast Editing Services: www.editpods.com

DISCLAIMER www.averagejoefinances.com/disclaimer

See our full episode transcripts here: www.averagejoefinancespod.com/episodes

Managing Projects Doesn’t Have to Be a Mess
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The Wealthy Coach Podcast
Hey Coaches, Practitioners & Healers! Go from 0 clients to a 6-Figure Online Biz!
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Join Mike Cavaggioni with Chris Miles on the 136th episode of the Average Joe Finances Podcast. Chris shares why you NEED passive income right now and how to get your savings/investment money to pay you TWICE.

In this episode, you’ll learn:

  • How to beat inflation
  • How to get out of the Standard American Retirement System
  • Using equity out to invest
  • The best route to buying cash flowing assets
  • And so much more!

About Chris:

Chris Miles, the Cash Flow Expert and Anti-Financial Advisor, is a leading authority teaching entrepreneurs and professionals how to get their money working for them TODAY!

He’s an author, podcast host of the Chris Miles Money Show, has been featured in US News, CNN Money, Entrepreneurs on Fire, Bigger Pockets, and has a proven reputation with his company, Money Ripples, getting his clients fast financial results. In fact, his personal clients have increased their cash flow by almost $300 Million in the last 12 years!

Find Chris Miles on:Website: https://moneyripples.com/
Facebook: https://www.facebook.com/moneyripples/
Twitter: https://twitter.com/moneyripples
Instagram: https://www.instagram.com/moneyripples/
Youtube: https://www.youtube.com/channel/UCJS6bPY8sm53pkjiCSuBKMA
Tiktok: https://www.tiktok.com/@moneyripples
LinkedIn: https://www.linkedin.com/company/money-ripples/

Average Joe Finances®All of our social media links and more: https://averagejoefinances.com/links

About Mike: https://themikecav.com

Tools and resources I use: www.averagejoefinances.com/resources

CRM Tool: www.averagejoefinances.com/crm

Pay Off Your Mortgage in 5-7 Years:
www.theshredmethod.com/averagejoefinances

Find a REALTOR® in any state: www.averagejoefinances.com/realtor

Make Real Estate Investing Easier with DealMachine:www.averagejoefinances.com/dealmachine

Podcast Hosting: www.averagejoefinances.com/buzzsprout

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Join Mike Cavaggioni with Garrett Sutton on the 135th episode of the Average Joe Finances Podcast. Garrett shares his experience in assisting individuals and businesses limit their liability, protect their assets, implement advantageous corporate structures, and advance their financial goals.

In this episode, you’ll learn:

  • Why a real estate investor should get an LLC to protect their assets
  • Mistakes people make when opening up an LLC
  • Why it’s important to “have a meeting with yourself” as a Single Member LLC
  • The big changes right now in real estate
  • And so much more!

About Garett:Garrett Sutton is an attorney, best-selling author and one of Robert Kiyosaki’s Rich Dad Advisors. A clear and engaging writer, Garrett authors various books that demystify legal topics and presents them in an understandable and accessible manner.

Garrett is the author of Start Your Own Corporation, Loopholes of Real Estate, Writing Winning Business Plans, Buying and Selling a Business, Run Your Own Corporation, The ABCs of Getting Out of Debt, Scam-Proof Your Assets, and his newest book, Veil Not Fail in the Rich Dad Advisor Series. Garrett is also the author of How to Use Limited Liability Companies and Limited Partnerships, Toxic Client, and Finance Your Own Business, which he co-authored with credit expert Gerri Detweiler.

Garrett is the owner and operator of Corporate Direct and Sutton Law Center, which since 1990 has provided clients from around the world with asset protection and corporate formation and maintenance services. Robert Kiyosaki, the best-selling author of Rich Dad, Poor Dad calls Garrett and Corporate Direct “the premiere source for asset protection strategies.”

Find Garrett Sutton on:Website: https://corporatedirect.com
Facebook: https://www.facebook.com/corporatedirectnv
Instagram: https://www.instagram.com/corporatedirect/
Twitter: https://twitter.com/GarrettSutton
LinkedIn: https://www.linkedin.com/in/garrettsutton/
Youtube: https://www.youtube.com/channel/UCT-pLv4_qmcTH-Xnu_uEyNQ

Average Joe Finances®

All of our social media links and more: https://averagejoefinances.com/links
Tools and resources I use: www.averagejoefinances.com/resources
CRM Tool: www.averagejoefinances.com/crm

Pay Off Your Mortgage in 5-7 Years:www.theshredmethod.com/averagejoefinances
Find a REALTOR® in any state: www.averagejoefinances.com/realtor

Make Real Estate Investing Easier with DealMachine: www.averagejoefinances.com/dealmachine

Podcast Hosting: www.averagejoefinances.com/buzzsprout

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DISCLAIMER https://averagejoefinances.com/disclaimer

See our full episode transcripts here: https://www.averagejoefinancespod.com/episodes


Tropical Sensation by Mike Leite soundcloud.com/mikeleite Creative Commons - Attribution 3.0 Unported - CC BY 3.0 Free Download/Stream: https://bit.ly/-tropical-sensation

Prime Venture Partners Podcast
A podcast for entrepreneurs who are looking to build & grow their startups...
Listen on: Apple Podcasts Spotify

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Join Mike Cavaggioni with Aryeh Sheinbein on the 134th episode of the Average Joe Finances Podcast. Aryeh shares how to invest money intelligently, allowing wealth to accumulate and stay focused on what truly matters—the business and the mission.

In this episode, you’ll learn:

  • How to make the most of your money if you can’t allocate loads of time towards it.
  • Definition “product-agnostic”.
  • Growing wealth without losing focus on the business.
  • How contributing to a 401(k) makes sense for most employees in today’s day and age.
  • And so much more!

About Aryeh:Aryeh spent his entire career sharpening his operational experience with investments and valuing businesses, having worked with top private equity, venture capital, hedge funds, investment managers, and banks, as well as a wealth of success in the eCommerce and Amazon selling spaces.

Aryeh is particularly skilled in managing large, complex projects and teams—a credit to his excellent executive leadership skills rooted in finance, business strategy, marketing, and operations.

Aryeh is also the hosts of iTunes Top 100-ranked Inside the Lions Den podcast, a show that explores the leadership skills, financial acumen, and operational improvements required for sustained entrepreneurial and financial success.

Find Aryeh Sheinbein on:Website: https://www.solutionadvisory.com and https://www.futurefundme.com
Twitter: https://twitter.com/aryehsheinbein
Instagram: https://www.instagram.com/aryehthebusinessman/
Facebook: https://www.facebook.com/aryeh.sheinbein
LinkedIn: https://www.linkedin.com/in/aryehsheinbein/

Average Joe Finances®All of our social media links and more: https://averagejoefinances.com/links

Tools and resources I use: www.averagejoefinances.com/resources

CRM Tool: www.averagejoefinances.com/crm

Pay Off Your Mortgage in 5-7 Years:www.theshredmethod.com/averagejoefinances
Find a REALTOR® in any state: www.averagejoefinances.com/realtor

Make Real Estate Investing Easier with DealMachine:www.averagejoefinances.com/dealmachine

Podcast Hosting: www.averagejoefinances.com/buzzsprout

Podcast Editing Services: www.editpods.com

DISCLAIMER https://averagejoefinances.com/disclaimer

See our full episode transcripts here: https://www.averagejoefinancespod.com/episodes


Tropical Sensation by Mike Leite soundcloud.com/mikeleite Creative Commons - Attribution 3.0 Unported - CC BY 3.0 Free Download/Stream: https://bit.ly/-tropical-sensation

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Join Mike Cavaggioni with Becca Hintergardt on the 133th episode of the Average Joe Finances Podcast. Becca shares her journey with Living overseas on passive income from multifamily real estate investing in the US

In this episode, you’ll learn:

  • How Becca helps educate others to live a life of passive income freedom and location independence.
  • Tips and Tricks on house hacking and syndicating large multifamily properties.
  • How to syndicate, reposition and convert a 100 unit Inn Motel to a 65 multifamily units.
  • How to stitch together your investments to have 80% of our life overseas supported by passive income from real estate investing.

About Becca:Becca brings to the multifamily space a successful sales career of medical device sales at a leading Fortune 500 company, as well as valuable multifamily experience. Becca strives for the uncommon. She currently lives in a boutique surf and yoga hub in Nosara, Costa Rica. Her life in the tropics is largely supported by passive income from her multifamily real estate investing.

Becca’s team is under construction on their newest asset, a 100-unit Quality Inn Motel in Arizona that they are converting to 65 multifamily units. The complexities of a hotel conversion process provide her with well-needed challenges to continue learning and growing in the multifamily industry.

Additionally, she has invested in and overseen multiple projects, including a condo renovation/conversion project in San Francisco, a multifamily value-add project in Kansas City, and she is an LP on several buildings totaling over 450+ units throughout Texas. Becca is inspired to help others live an authentic life of passive income freedom and location independence through real estate investing. She invests in multifamily properties in the US and double your money in new construction projects in Costa Rica’s highly sought-after tourist towns.

Find Becca Hintergardt on:Website: www.hintinvestments.com
LinkedIn: https://www.linkedin.com/in/becca-hint-hintergardt-020a82204/

Average Joe Finances®All of our social media links and more: https://averagejoefinances.com/links

Tools and resources I use: www.averagejoefinances.com/resources

CRM Tool: www.averagejoefinances.com/crm

Pay Off Your Mortgage in 5-7 Years:www.theshredmethod.com/averagejoefinances
Find a REALTOR® in any state: www.averagejoefinances.com/realtor

Make Real Estate Investing Easier with DealMachine:www.averagejoefinances.com/dealmachine

Podcast Hosting: www.averagejoefinances.com/buzzsprout

Podcast Editing Services: www.editpods.com

DISCLAIMER https://averagejoefinances.com/disclaimer

See our full episode transcripts here: https://www.averagejoefinancespod.com/episodes


Tropical Sensation by Mike Leite soundcloud.com/mikeleite Creative Commons - Attribution 3.0 Unported - CC BY 3.0 Free Download/Stream: https://bit.ly/-tropical-sensation

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Join Mike Cavaggioni with Mario Payne on the 132nd episode of the Average Joe Finances Podcast. Mario shares his journey in to becoming a Certified Financial Planner, and how he was able to build his own financial services firm, TOAMS Financial

In this episode, you’ll learn:

  • How TOAMS Financial was created
  • In what aspects TOAMS Financial differs with larger financial service firms
  • What made Mario create an ETF platform for investors
  • How does Mario’s Investment app work and what makes it different
  • How Mario’s military experience contributed to his financial journey
  • And so much more!

About Mario:
Mario Payne has a passion for making investing simple. His journey started in the United States Army as a financial sergeant. His responsibilities included monitoring soldiers’ financial goals. Mario then graduated from Tennessee State University. Where he currently serves as a TSU Foundation Board Member, helping to oversee his alma mater’s Endowment Fund.

He started his career in 2007 as a Financial Advisor with Edward Jones. Mario obtained his Series 7, 66, and life health and annuity licenses. Through this 6-year period, he learned how to manage client’s portfolios as well as how to build an investment advisory firm. In 2012, Mario became a Certified Financial Planner™ as well as a fiduciary.

In 2013, Mario started his own investment firm TOAMS Financial. The meaning of TOAMS is Tithe Offering Alms Means Stewardship. He has built his SEC registered firm on the premise of helping clients while “Making Investing Simple.” Along with building his firm, Mario is very proud to be Dave Ramsey’s ONLY minority Endorsed Local Professional Smartvestor in all of Jacksonville, FL.

Find Mario Payne on:Website: www.toamsfinancial.com
Twitter: https://twitter.com/TOAMSFinancial
Instagram: https://www.instagram.com/toamsfinancial/
LinkedIn: https://www.linkedin.com/in/TOAMSfinancial/
Facebook: https://www.facebook.com/TOAMSFinancial/
Tiktok: https://www.tiktok.com/@paynefulprofits
Youtube: https://www.youtube.com/channel/UC0-hTO2CXl8e8Ofuwijymtw

Trading Platform: www.letbob.com
ETF creation platform: www.letbobetfs.com

Average Joe Finances®All of our social media links and more: https://averagejoefinances.com/links

Tools and resources I use: www.averagejoefinances.com/resources

CRM Tool: www.averagejoefinances.com/crm

Pay Off Your Mortgage in 5-7 Years:www.theshredmethod.com/averagejoefinances
Find a REALTOR® in any state: www.averagejoefinances.com/realtor

Make Real Estate Investing Easier with DealMachine:www.averagejoefinances.com/dealmachine

Podcast Hosting: www.averagejoefinances.com/buzzsprout

Podcast Editing Services: www.editpods.com

DISCLAIMER https://averagejoefinances.com/disclaimer

See our full episode transcripts here: https://www.averagejoefinancespod.com/episodes


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Join Mike Cavaggioni with Brian Grimes on the 131st episode of the Average Joe Finances Podcast. Brian shares how to create passive income and escape your 9-5 job through Real Estate.

In this episode, you’ll learn:

  • Establishing a passive income strategy through real estate
  • Creating exciting real estate investment opportunities that enrich Class C Neighborhoods
  • The BRRRR (Buy, Rehab, Rent, Refinance, Repeat) method
  • Cost effective savings that puts more money in your pocket
  • Tenant Placing Strategies
  • And so much more!

About Brian:Brian founded the 24/7 Cash Flow University to teach students how to create passive income and escape their 9-5 desk job. Through his 100 Key$ Master Class, Brian teaches students how to full-gut renovate, acquire, and stabilize cash flowing rental property portfolios.

The course contains Brian’s proven methods that allowed him to scale his operation from 1 deal to over 100 properties per year. Most 100 Key$ Master Class students that implement Brian’s strategies are able to retire themselves from their day jobs within 12 – 36 months.

Find Brian Grimes on:Website: https://workwithgrimes.com/cashflow
Linkedin: https://www.linkedin.com/in/brian-grimes-cfp%C2%AE-2b99b632/

Average Joe Finances®All of our social media links and more: https://averagejoefinances.com/links

Tools and resources I use: www.averagejoefinances.com/resources

CRM Tool: www.averagejoefinances.com/crm

Pay Off Your Mortgage in 5-7 Years:
www.theshredmethod.com/averagejoefinances
Find a REALTOR® in any state: www.averagejoefinances.com/realtor

Make Real Estate Investing Easier with DealMachine:www.averagejoefinances.com/dealmachine

Podcast Hosting: www.averagejoefinances.com/buzzsprout

Podcast Editing Services: www.editpods.com

DISCLAIMER https://averagejoefinances.com/disclaimer

See our full episode transcripts here: https://www.averagejoefinancespod.com/episodes


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Join Mike Cavaggioni with Zach Lemaster on the 130th episode of the Average Joe Finances Podcast. Zach shares how real estate investing eventually allowed him to retire early from his career in medicine to be a full time real estate investor. He strategically invests in markets that maximize cash flow, appreciation & equity.

In this episode, you’ll learn:

  • The current market conditions & why it’s still good to invest in Real Estate
  • How to identify the best locations to invest throughout the US
  • How to build a well diversified portfolio to create a sustainable business model
  • Pros and Cons of new construction vs older rehabs
  • Tax benefits of Real Estate Investing (REI)
  • And so much more!

About Zach:

Zach Lemaster is Founder & CEO of Rent to Retirement, the largest turnkey real estate provider in the world: www.renttoretirement.com. He is a seasoned real estate investor who has accumulated a large portfolio of rental properties across multiple markets including single family, multifamily, commercial and new construction. Zach is a licensed Optometrist who practices on a volunteer basis. Zach started investing in real estate while working as an Optometrist & Captain for the US Air Force.

Find Zach Lemaster on:
Website: https://renttoretirement.com
Youtube: https://www.youtube.com/c/RentToRetirement/featured
Facebook: https://www.facebook.com/RentToRetirement/
Twitter: https://twitter.com/Rent2Retirement
Instagram: https://www.instagram.com/renttoretirementinvest/
Tiktok: https://www.tiktok.com/@renttoretirement
Linkedin: https://www.linkedin.com/company/rent-to-retirement/

Average Joe Finances®All of our social media links and more: https://averagejoefinances.com/links

Tools and resources I use: www.averagejoefinances.com/resources

CRM Tool: www.averagejoefinances.com/crm

Pay Off Your Mortgage in 5-7 Years:www.theshredmethod.com/averagejoefinances
Find a REALTOR® in any state: www.averagejoefinances.com/realtor

Make Real Estate Investing Easier with DealMachine:www.averagejoefinances.com/dealmachine

Podcast Hosting: www.averagejoefinances.com/buzzsprout

Podcast Editing Services: www.editpods.com

DISCLAIMER https://averagejoefinances.com/disclaimer

See our full episode transcripts here: https://www.averagejoefinancespod.com/episodes


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Join Mike Cavaggioni with David Dodge on the 129th episode of the Average Joe Finances Podcast. David shares how easy it is to learn wholesale Real Estate for huge profits & how people can use other people’s money to buy rental properties.

In this episode, you’ll learn:

  • How you can make large amounts of money Wholesaling Houses with little to no money
  • Growing your portfolio the right way
  • Finding opportunities outside of the MLS
  • How to leverage the BRRRR method most effectively
  • How to master the art of marketing to motivated sellers and finding deals
  • And so much more!

About David:David Dodge is a St. Louis Real Estate Investor with over 18 years of experience. He first started investing in Real Estate when he was in college, at the age of 20 while attending the University of Missouri-Columbia.

David specializes in Wholesaling Real Estate as well as using The BRRRR Method to acquire Rental Properties with NONE of his own money!

David and his team have wholesaled over 750 houses to date and his company “House Sold Easy” averages about 5-10 wholesales a month.

David also loves to fix-and-flip properties as well as add properties to his rental portfolio. David has over 90 rentals currently (over 20K in Cash Flow) and he has a goal to take his rental portfolio to over 200 properties in the next 24 months.

Find David Dodge on:Website: https://www.wholesalinginc.com/rentals
Instagram: https://www.instagram.com/DavidAlanDodge/
Facebook: https://www.facebook.com/DavidAlanDodgeSTL
Youtube: https://www.youtube.com/c/DavidDodgeShow

Average Joe Finances®All of our social media links and more: https://averagejoefinances.com/links

Tools and resources I use: www.averagejoefinances.com/resources

CRM Tool: www.averagejoefinances.com/crm

Pay Off Your Mortgage in 5-7 Years:www.theshredmethod.com/averagejoefinances
Find a REALTOR® in any state: www.averagejoefinances.com/realtor

Make Real Estate Investing Easier with DealMachine:www.averagejoefinances.com/dealmachine

Podcast Hosting: www.averagejoefinances.com/buzzsprout

Podcast Editing Services: www.editpods.com

DISCLAIMER https://averagejoefinances.com/disclaimer

See our full episode transcripts here: https://www.averagejoefinancespod.com/episodes


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Join Mike Cavaggioni with Britt Sharman on the 128th episode of the Average Joe Finances Podcast. Britt shares how house sitting could be a big financial hack and a great way to reach FIRE quicker.

In this episode, you’ll learn:

  • How house sitting works
  • How to get free rent and travel the world
  • What you need to know before house sitting
  • How to become a long-term house sitter
  • Benefits of house sitting
  • And so much more!

About Britt:Britt is a full time, professional house and pet sitter from Australia who loves travelling and taking care of animals. She is one half of The Travelling House Sitters, a travel blog that shares everything you need to know about house sitting and pet sitting. Together with her partner Jayden, they have looked after 40 homes and 45 animals in 15 countries.

Britt’s house sitting has afforded her the opportunity to explore the world while keeping costs low.

Britt had traveled extensively through Australia, Canada, Europe, Japan, New Zealand & South East Asia.

Find Britt Sharman on:Website: https://www.thetravellinghousesitters.com

Average Joe Finances®All of our social media links and more: https://averagejoefinances.com/links

Tools and resources I use: www.averagejoefinances.com/resources

CRM Tool: www.averagejoefinances.com/crm

Pay Off Your Mortgage in 5-7 Years:www.theshredmethod.com/averagejoefinances
Find a REALTOR® in any state: www.averagejoefinances.com/realtor

Make Real Estate Investing Easier with DealMachine:www.averagejoefinances.com/dealmachine

Podcast Hosting: www.averagejoefinances.com/buzzsprout

Podcast Editing Services: www.editpods.com

DISCLAIMER https://averagejoefinances.com/disclaimer

See our full episode transcripts here: https://www.averagejoefinancespod.com/episodes


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Intelligent Investing with Glenn Leest
This podcast covers all topics related to Investing with Glenn Leest
Listen on: Apple Podcasts Spotify

My Money
Planning for your financial future isn’t easy – You deserve a community that supports...
Listen on: Apple Podcasts Spotify

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Join Mike Cavaggioni with Ryan Webster and Warren Dresner on the 127th episode of the Average Joe Finances Podcast. Ryan and Warren share how they acquire A/B class Multifamily Assets in well located markets with strong economic indicators. They create an outstanding investor experience with operational excellence and ensure that communication is complete, transparent, and accurate throughout the life of every investment.

In this episode, you’ll learn:

  • Building teams for successful investments
  • How to keep things on track and know when to shift direction
  • The importance of consistent and transparent communication with investors and team members
  • Selecting and qualifying target markets
  • Winning deals in competitive markets
  • And so much more!

About Ryan and Warren:
Ryan is a NHBA award winning home builder, experienced real estate professional, and entrepreneur. Ryan is the founder of Equity Yield LLC. and has over a decade of experience owning and operating a Midwest based construction, and development company, with a wide range of project experience managing new construction, and value-add multifamily projects.

Warren has 20 years’ experience in finance, insurance and real estate in the USA, UK and Australia, with a focus on deal management, deal execution and project management. He began investing in real estate in 2010 and has experience in both Single-Family Homes and Multifamily Apartments. He is currently invested in over 2,000 units across the South-East and Midwest.

Find Ryan Webster and Warren Dresner on:
Website: https://equityyieldgroup.com/

Average Joe Finances®All of our social media links and more: https://averagejoefinances.com/links

Tools and resources I use: www.averagejoefinances.com/resources

CRM Tool: www.averagejoefinances.com/crm

Pay Off Your Mortgage in 5-7 Years:
www.theshredmethod.com/averagejoefinances

Find a REALTOR® in any state: www.averagejoefinances.com/realtor

Make Real Estate Investing Easier with DealMachine: www.averagejoefinances.com/dealmachine

Podcast Hosting: www.averagejoefinances.com/buzzsprout

Podcast Editing Services: www.editpods.com

DISCLAIMER https://averagejoefinances.com/disclaimer

See our full episode transcripts here: https://www.averagejoefinancespod.com/episodes


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Join Mike Cavaggioni with Will Rainey on the 126th episode of the Average Joe Finances Podcast. Will shares how he helps as many parents as possible teach their kids about money. These teachings help kids grow up to have the financial freedom to spend their time doing what they really want to do.

In this episode, you’ll learn:

  • The most important thing about teaching kids about money and building wealth
  • How his stories engage to kids to learn about financial literacy
  • How to talk to your kids about investments, stock market, real estate, etc.
  • Allowance as a financial tool.
  • And so much more!

About Will Rainey:Will Rainey is a writer and speaker focused on helping parents teach their kids about money. He is the author of the children's book, Grandpa's Fortune Fables. His work has appeared in the Financial Times, iNews and The National News.

His website, bluetreesavings.com, has helped thousands of parents start talking to their kids about money. He has been invited to speak at Fortune 500 (Global) companies.

Before starting bluetreesavings.com, Will was an award winning investment consultant. He was providing investment advice to governments, insurance companies and some of the world's largest pension schemes.

Find Will Rainey on:Website: https://www.bluetreesavings.com/
Twitter: https://twitter.com/bluetreesavings
Facebook: https://www.facebook.com/BlueTreeSavings
LinkedIn: https://www.linkedin.com/in/will-rainey

Will Rainey’s Book:
Instagram: https://www.instagram.com/grandpas_fortune_fables

Average Joe Finances®All of our social media links and more: https://averagejoefinances.com/links

Tools and resources I use: www.averagejoefinances.com/resources

CRM Tool: www.averagejoefinances.com/crm

Pay Off Your Mortgage in 5-7 Years:
www.theshredmethod.com/averagejoefinances
Find a REALTOR® in any state:
www.averagejoefinances.com/realtor

Make Real Estate Investing Easier with DealMachine: www.averagejoefinances.com/dealmachine

Podcast Hosting: www.averagejoefinances.com/buzzsprout

Podcast Editing Services: www.editpods.com

DISCLAIMER https://averagejoefinances.com/disclaimer

See our full episode transcripts here: https://www.averagejoefinancespod.com/episodes


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Join Mike Cavaggioni with Stefan Tsvetkov on the 125th episode of the Average Joe Finances Podcast. Stefan shares his expertise and mission to add massive industry value through education, investment technology, and analytics.

In this episode, you’ll learn:

  • How Stefan came up and built RealtyQuant
  • How RealtyQuant works
  • How Data Driven Real Estate Investing works
  • Common investing practices that are not data driven
  • And so much more!

About Stefan Tsvetko:Stefan Tsvetkov is the Founder of RealtyQuant (www.realtyquant.com), a company that brings data-driven and quantitative techniques to the real estate industry.

Financial engineer turned multifamily investor, analytics speaker, and live webinar host. He holds a Master's degree in Financial Engineering from Columbia University, and during his finance career managed ~$90 billion derivatives portfolio jointly with colleagues.

Featured on multiple Podcast and Webinar events including Elevate, Best Ever Real Estate Show, Investing in the U.S. etc. Host of Finance Meets Real Estate webinar series.

Find Stefan Tsvetko on:Website: https://www.realtyquant.com
Twitter: https://twitter.com/StefanTsv
Instagram: https://www.instagram.com/stefantsve
Facebook: https://www.facebook.com/stefantsve
LinkedIn:https://www.linkedin.com/in/stefantsvetkov
Youtube: https://www.youtube.com/channel/UCH93OPLcNPY3vTc3tJY2ncg

Average Joe Finances®All of our social media links and more: https://averagejoefinances.com/links
Tools and resources I use: www.averagejoefinances.com/resources
CRM Tool: www.averagejoefinances.com/crm

Pay Off Your Mortgage in 5-7 Years:
www.theshredmethod.com/averagejoefinances
Find a REALTOR® in any state:www.averagejoefinances.com/realtor

Make Real Estate Investing Easier with DealMachine: www.averagejoefinances.com/dealmachine

Podcast Hosting: www.averagejoefinances.com/buzzsprout

Podcast Editing Services: www.editpods.com

DISCLAIMER https://averagejoefinances.com/disclaimer

See our full episode transcripts here: https://www.averagejoefinancespod.com/episodes


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Join Mike Cavaggioni with Stefan Tsvetkov on the 125th episode of the Average Joe Finances Podcast. Stefan shares his expertise and mission to add massive industry value through education, investment technology, and analytics.

In this episode, you’ll learn:

  • How Stefan came up and built RealtyQuant
  • How RealtyQuant works
  • How Data Driven Real Estate Investing works
  • Common investing practices that are not data driven
  • And so much more!

About Stefan Tsvetko:Stefan Tsvetkov is the Founder of RealtyQuant (www.realtyquant.com), a company that brings data-driven and quantitative techniques to the real estate industry.

Financial engineer turned multifamily investor, analytics speaker, and live webinar host. He holds a Master's degree in Financial Engineering from Columbia University, and during his finance career managed ~$90 billion derivatives portfolio jointly with colleagues.

Featured on multiple Podcast and Webinar events including Elevate, Best Ever Real Estate Show, Investing in the U.S. etc. Host of Finance Meets Real Estate webinar series.

Find Stefan Tsvetko on:Website: https://www.realtyquant.com
Twitter: https://twitter.com/StefanTsv
Instagram: https://www.instagram.com/stefantsve
Facebook: https://www.facebook.com/stefantsve
LinkedIn:https://www.linkedin.com/in/stefantsvetkov
Youtube: https://www.youtube.com/channel/UCH93OPLcNPY3vTc3tJY2ncg

Average Joe Finances®All of our social media links and more: https://averagejoefinances.com/links
Tools and resources I use: www.averagejoefinances.com/resources
CRM Tool: www.averagejoefinances.com/crm

Pay Off Your Mortgage in 5-7 Years:
www.theshredmethod.com/averagejoefinances
Find a REALTOR® in any state:www.averagejoefinances.com/realtor

Make Real Estate Investing Easier with DealMachine: www.averagejoefinances.com/dealmachine

Podcast Hosting: www.averagejoefinances.com/buzzsprout

Podcast Editing Services: www.editpods.com

DISCLAIMER https://averagejoefinances.com/disclaimer

See our full episode transcripts here: https://www.averagejoefinancespod.com/episodes


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Join Mike Cavaggioni with Brian Winch on the 124th episode of the Average Joe Finances Podcast. Brian shares how to start and operate a simple green business based from home and make money that's almost as easy to do as going for a walk!

In this episode, you’ll learn:

  • What working hard and smart can lead you in the future
  • How Clean Lots business has developed
  • How Brian’s sales are targeting the benefits for the prospects
  • How being focused on one business can also lead you to success
  • And so much more!

About Brian Winch:Brian Winch is the creator and author of Cleanlots - America's Simplest Business.

Brian is a champion for self-employment, side hustles, home-based businesses and financial independence. His own story started with his dad’s side hustle, becoming his side hustle, which subsequently evolved into a 40+ year career as an entrepreneur and author.\

Brian’s story, as well as CleanLot’s, is both interesting and counter-intuitive.

Find Brian Winch on:Website: https://www.cleanlots.com
Facebook: https://www.facebook.com/pages/CLEANLOTS/906608026017446
LinkedIn: https://www.linkedin.com/company/cleanlots

Average Joe Finances®All of our social media links and more: https://averagejoefinances.com/links
Tools and resources I use: www.averagejoefinances.com/resources
CRM Tool: www.averagejoefinances.com/crm

Pay Off Your Mortgage in 5-7 Years:www.theshredmethod.com/averagejoefinances
Find a REALTOR® in any state: www.averagejoefinances.com/realtor

Make Real Estate Investing Easier with DealMachine:www.averagejoefinances.com/dealmachine

Podcast Hosting: www.averagejoefinances.com/buzzsprout
Podcast Editing Services: www.editpods.com

DISCLAIMER https://averagejoefinances.com/disclaimer

See our full episode transcripts here: https://www.averagejoefinancespod.com/episodes


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Mortgage Connects, an MGIC Podcast
Insights and tips from top mortgage industry pros!
Listen on: Apple Podcasts Spotify

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Join Mike Cavaggioni with Isabelle Guarino-Smith on the 123rd episode of the Average Joe Finances Podcast. Isabelle shares how she keeps her father’s legacy alive by helping others understand the need for Residential Assisted Living. She also explains how this type of business can benefit the residence, employees, investors and business owners from an investment point of view.

In this episode, you’ll learn:

  • Why you should consider Residential Assisted Living as a Real Estate Investment
  • How residential assisted living academy helped investors and buyers understand the RAL business.
  • Why NOW is the BEST time for Senior Housing.
  • How to cash flow properties in today’s competitive market.
  • And so much more!

About Isabelle Guarino-Smith:

Isabelle is a graduate from Arizona State University, a former flight attendant, Walt Disney World intern and now Residential Assisted Living Academy’s leading lady. She has been working as the COO of the company for the last 6 years, keeping everyone in line and on task. She's been featured in many magazines and articles on the topic of Senior Housing and most recently was given the title as one of the "Top Influencers in Senior Housing". Isabelle also won Aging Media's "the Future Leaders of Assisted Living" award in 2020 being 2 of 100's under 30 to make the list.

Find Isabelle Guarino-Smith on:Website: https://residentialassistedlivingacademy.com/
Twitter: https://twitter.com/ralacademy
Facebook: https://www.facebook.com/ResidentialAssistedLivingAcademy/
Instagram: https://www.instagram.com/ralacademy/
LinkedIn: https://www.linkedin.com/company/residential-assisted-living-academy
Youtube: https://www.youtube.com/c/residentialassistedlivingacademy
Tiktok: https://www.tiktok.com/@ral.academy

Average Joe Finances®All of our social media links and more: https://averagejoefinances.com/links

Tools and resources I use:
CRM Tool: www.averagejoefinances.com/crm

Pay Off Your Mortgage in 5-7 Years: www.theshredmethod.com/averagejoefinances
Find a REALTOR® in any state: www.averagejoefinances.com/realtor

Make Real Estate Investing Easier with DealMachine: www.averagejoefinances.com/dealmachine

Podcast Hosting: www.averagejoefinances.com/buzzsprout
Podcast Editing Services: www.editpods.com

DISCLAIMER https://averagejoefinances.com/disclaimer

See our full episode transcripts here: https://www.averagejoefinancespod.com/episodes


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Mortgage Connects, an MGIC Podcast
Insights and tips from top mortgage industry pros!
Listen on: Apple Podcasts Spotify

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Join Mike Cavaggioni with Omar Khan on the 122nd episode of the Average Joe Finances Podcast. Omar shares his strategies for developing strong relationships with private and institutional investors, brokers, and strategic partners.

In this episode, you’ll learn:

  • How Boardwalk Wealth is purchasing businesses
  • The difference between real estate assets and business assets
  • How to negotiate with future investors
  • What characteristics to look for reliable operators
  • And so much more!

About Omar Khan:

Omar Khan, CFA is the Founder & Managing Partner of Boardwalk Wealth, a private equity firm specializing in multifamily apartment syndications as well as quick service restaurants, in addition to other alternative investments.

Omar has advised on $3.7 billion in capital financing and M&A transactions, as well as securing $50+ million in equity from private and institutional capital. He is a graduate from the Rotman School of Business (University of Toronto), and a CFA charter holder with 10+ years of investing experience across real estate and commodities. As the principal of Boardwalk Wealth, he has closed on over $250 million of assets across Texas, Georgia, Florida, and South Dakota.

Find Omar Khan on:Website: https://www.boardwalkwealth.com/
Facebook: https://www.facebook.com/boardwalkwealth
Instagram: https://www.instagram.com/boardwalkwealth/
LinkedIn: https://www.linkedin.com/in/omark1/
Youtube: https://www.youtube.com/boardwalkwealth

Average Joe Finances®All of our social media links and more: https://averagejoefinances.com/links

Tools and resources I use:CRM Tool: www.averagejoefinances.com/crm

Pay Off Your Mortgage in 5-7 Years:
www.theshredmethod.com/averagejoefinances
Find a REALTOR® in any state: www.averagejoefinances.com/realtor

Make Real Estate Investing Easier with DealMachine: www.averagejoefinances.com/dealmachine

Podcast Hosting: www.averagejoefinances.com/buzzsprout
Podcast Editing Services: www.editpods.com

DISCLAIMER https://averagejoefinances.com/disclaimer
See our full episode transcripts here: https://www.averagejoefinancespod.com/episodes


Tropical Sensation by Mike Leite soundcloud.com/mikeleite Creative Commons - Attribution 3.0 Unported - CC BY 3.0 Free Download/Stream: https://bit.ly/-tropical-sensation

Mortgage Connects, an MGIC Podcast
Insights and tips from top mortgage industry pros!
Listen on: Apple Podcasts Spotify

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Join Mike Cavaggioni with Jonas Bordo on the 121st episode of the Average Joe Finances Podcast. Jonas shares his passion for the real estate investment management business. He founded Dwellsy, a comprehensive residential home rental marketplace that makes it easy to find the “hard-to-find” rentals.

In this episode, you’ll learn:

  • How Dwellsy helps landlords and renters
  • Why Jonas made Dwellsy a free and safe environment for landlords and renters
  • The “More is not Better” mentality of a smart landlord
  • How a renter can use living in a rental as a way to build wealth versus actually owning the asset.
  • How buying a home is a consumption decision
  • And so much more!

About Jonas Bordo:Jonas Bordo is the CEO and Co-Founder of Dwellsy. Prior to co-founding Dwellsy, Jonas was a senior executive at several leading real estate firms including Essex Property Trust and Bentall GreenOak and was with the Boston Consulting Group after graduating with his MBA from the University of Chicago Booth School of Business.

Jonas has had the good fortune to build, re-build, and lead amazing teams across the multifamily and commercial real estate operational and strategic spectrum, orchestrate the sale of several businesses, develop a strategic plan for one of the world’s leading symphony orchestras, implement a Toyota production system, and create more than 40 brands.

Find Jonas Bordo on:Website: https://www.dwellsy.com
Facebook: https://www.facebook.com/DwellsyRents/
Instagram: https://www.instagram.com/dwellsyrents
LinkedIn: https://www.linkedin.com/company/dwellsy
Pinterest: https://www.pinterest.com/dwellsyrents/
Twitter: https://twitter.com/dwellsyrents
Youtube: https://www.youtube.com/channel/UCedHY2bvE6I_lOlBnJxbDxw
Tiktok: https://www.tiktok.com/@dwellsy

Average Joe Finances®Our social media links can be found here: https://averagejoefinances.com/links
Interested in getting your real estate license? https://averagejoefinances.com/prepagent
Host your own Podcast here: https://averagejoefinances.com/buzzsprout
Get Life Insurance: https://averagejoefinances.com/ladder

Need an REALTOR® in any state? https://averagejoefinances.com/realtor

Pay Off Your Mortgage in 5-7 Years:www.theshredmethod.com/averagejoefinances

Make Real Estate Investing Easier with DealMachine:https://averagejoefinances.com/dealmachine

Podcast Editing Services: https://editpods.com

Free Stocks:● Robinhood: https://averagejoefinances.com/robinhood
● Webull: https://averagejoefinances.com/webull

DISCLAIMER https://averagejoefinances.com/disclaimer If you are interested in writing for Average Joe Finances or joining us for an interview on the podcast, please visit https://averagejoefinances.com/contact

See our full episode transcripts here: https://www.averagejoefinancespod.com/episodes/


Tropical Sensation by Mike Leite soundcloud.com/mikeleite Creative Commons - Attribution 3.0 Unported - CC BY 3.0 Free Download/Stream: https://bit.ly/-tropical-sensation

Mortgage Connects, an MGIC Podcast
Insights and tips from top mortgage industry pros!
Listen on: Apple Podcasts Spotify

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Join Mike Cavaggioni with Jerry Fetta on the 120th episode of the Average Joe Finances Podcast. Jerry shares his passion in helping create millions of financially educated and solvent families achieving greater financial freedom and sharing the truth about money with those around them.

In this episode, you’ll learn:

  • Jerry’s personal financial freedom journey
  • How wealth dynamics works
  • The opportunities of alternative investing & what you need to know
  • How to not pay your taxes & get away with it
  • The Basics of Gold & Silver
  • And so much more!

About Jerry Fetta:

Jerry Fetta Is the CEO and Founder of Wealth DynamX. He is a published author, successful entrepreneur, investor and a nationally recognized financial expert featured in Forbes, Yahoo Finance, Fox, Chicago Weekly News, New York Finance, earning endorsements and affiliations throughout his career with names like Grant Cardone, Dave Ramsey, and Pamela Yellen.

Find Jerry Fetta on:
Website: www.wealthdynamx.com
Facebook: https://www.facebook.com/jerry.fetta
Instagram: https://www.instagram.com/jerryfetta/
LinkedIn: https://www.linkedin.com/in/jerry-fetta/
Twitter: https://twitter.com/JerryFetta

Jerry’s Book:
The Blueprint To Financial Freedom - https://jerryfetta.com/b2f

Average Joe Finances®Our social media links can be found here: https://averagejoefinances.com/links
Interested in getting your real estate license? https://averagejoefinances.com/prepagent
Host your own Podcast here: https://averagejoefinances.com/buzzsprout
Get Life Insurance: https://averagejoefinances.com/ladder
Need an REALTOR® in any state? https://averagejoefinances.com/realtor

Pay Off Your Mortgage in 5-7 Years:
www.theshredmethod.com/averagejoefinances
Make Real Estate Investing Easier with DealMachine:https://averagejoefinances.com/dealmachine

Podcast Editing Services: https://editpods.com

Free Stocks:● Robinhood: https://averagejoefinances.com/robinhood
● Webull: https://averagejoefinances.com/webull

DISCLAIMER https://averagejoefinances.com/disclaimer If you are interested in writing for Average Joe Finances or joining us for an interview on the podcast, please visit https://averagejoefinances.com/contact

See our full episode transcripts here: https://www.averagejoefinancespod.com/episodes/


Tropical Sensation by Mike Leite soundcloud.com/mikeleite Creative Commons - Attribution 3.0 Unported - CC BY 3.0 Free Download/Stream: https://bit.ly/-tropical-sensation

Mortgage Connects, an MGIC Podcast
Insights and tips from top mortgage industry pros!
Listen on: Apple Podcasts Spotify

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Join Mike Cavaggioni with Stefan von Imhof on the 119th episode of the Average Joe Finances Podcast. Stefan shares modern investment alternatives that can earn investors a higher return than the stock market and how to invest rationally in alternative classes like sports memorabilia and music.

In this episode, you’ll learn:

  • What are Alternative Investments
  • How Alternative Investments work
  • Potential asset classes you can focus as an alternative investment
  • How a long distance business partnership benefits despite time and personality differences
  • Challenges in running a US lead company while residing overseas
  • And so much more!

About Stefan von Imhof:

Stefan lives and breathes asset analysis and valuations. Prior to co-founding Alts, Stefan was the Head of Product at Flippa – the world’s largest marketplace for buying & selling online businesses. He created Flippa’s Due Diligence Program, and has bought & sold dozens of websites & newsletters. Prior to Flippa he was the first product manager at HG Insights, a market intelligence company sold to Riverwood Capital Partners in 2020.

Find Stefan von Imhof on:Twitter: https://twitter.com/stefanvonimhof
LinkedIn: https://au.linkedin.com/in/stefanvonimhof

Find Alts.co on:
Website: https://alts.co
Twitter: https://twitter.com/AltAssetsClub
Facebook: https://m.facebook.com/AltAssetsInc
LinkedIn: https://www.linkedin.com/company/alt-assets-inc/

Average Joe Finances®Our social media links can be found here: https://averagejoefinances.com/links
Interested in getting your real estate license? https://averagejoefinances.com/prepagent
Host your own Podcast here: https://averagejoefinances.com/buzzsprout
Get Life Insurance: https://averagejoefinances.com/ladder
Average Joe Finances Swag: averagejoefinances.com/resources/shop
Need an REALTOR® in any state? https://averagejoefinances.com/realtor

Pay Off Your Mortgage in 5-7 Years:
www.theshredmethod.com/averagejoefinances

Make Real Estate Investing Easier with DealMachine:
https://averagejoefinances.com/dealmachine

Podcast Editing Services: https://editpods.com

Free Stocks:● Robinhood: https://averagejoefinances.com/robinhood
● Webull: https://averagejoefinances.com/webull

DISCLAIMER https://averagejoefinances.com/disclaimer If you are interested in writing for Average Joe Finances or joining us for an interview on the podcast, please visit https://averagejoefinances.com/contact

See our full episode transcripts here: https://www.averagejoefinancespod.com/episodes/


Tropical Sensation by Mike Leite soundcloud.com/mikeleite Creative Commons - Attribution 3.0 Unported - CC BY 3.0 Free Download/Stream: https://bit.ly/-tropical-sensation

Mortgage Connects, an MGIC Podcast
Insights and tips from top mortgage industry pros!
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Join Mike Cavaggioni with Tyson Koska on the 118th episode of the Average Joe Finances Podcast. Tyson shares how he got his first taste of entrepreneurism at age 13 and how that experience gave him his first sense of Financial Independence.

In this episode, you’ll learn:

  • How being in a Corporate IT led Tyson to do personal finance
  • How the On Trajectory Software help other people plan out their personal finances
  • Managing your FOMO (fear of missing out) and YOLO (You only live once) mentality
  • Planning out your financial future
  • And so much more!

About Tyson Koska:

Tyson is a former helicopter pilot in the U.S. Army at the age of 20. He found himself the most in-debt even though he was making more money than ever before. Luckily, he was able to pay down that debt while deployed to Desert Storm – and another important financial lesson was learned.

After leaving the military, and with fresh GI Bill funds in-hand, he earned a Bachelor's degree in English and, later, a Master's degree in Philosophy. Since neither of those degrees managed to pay the bills, Tyson turned to I.T.

Spending the next 25 years in software development and working for large corporations in banking and insurance, Tyson founded OnTrajectory.com – a personal finance tool for both regular folks as well as professionals. Securing investment funds in 2021, Tyson is leading OnTrajectory into a new growth phase, in which he hopes to bring easy-to-use and accurate financial modeling to the masses.

Find Tyson Koska on:Website: https://www.ontrajectory.com/
Twitter: https://twitter.com/ontrajectory
Facebook: https://www.facebook.com/OnTrajectory/
LinkedIn: https://www.linkedin.com/in/tysonkoska

Average Joe Finances®
Our social media links can be found here: https://averagejoefinances.com/links
Need help Buying or Selling a House? https://averagejoefinances.com/realtor
Interested in getting your real estate license? https://averagejoefinances.com/prepagent
Use the same Audio/Video Editing Team that I use: https://editpods.com
Host your own Podcast here: https://averagejoefinances.com/buzzsprout
Social Media Management Tool: https://averagejoefinances.com/social-media

Pay Off Your Mortgage in 5-7 Years:www.theshredmethod.com/averagejoefinances

Make Real Estate Investing Easier with DealMachine:https://averagejoefinances.com/dealmachine

Free Stocks:● Robinhood: https://averagejoefinances.com/robinhood
● Webull: https://averagejoefinances.com/webull

Get Life Insurance: https://averagejoefinances.com/ladder
Average Joe Finances Swag: averagejoefinances.com/resources/shop

DISCLAIMER https://averagejoefinances.com/disclaimer If you are interested in writing for Average Joe Finances or joining us for an interview on the podcast, please visit https://averagejoefinances.com/contact

See our episode transcripts here: https://www.averagejoefinancespod.com/episo

Mortgage Connects, an MGIC Podcast
Insights and tips from top mortgage industry pros!
Listen on: Apple Podcasts Spotify

Stories and Strategies for Public Relations
Communication is in every facet of our daily business.
Listen on: Apple Podcasts Spotify

Support the show

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Join Mike Cavaggioni with Mark Willis on the 117th episode of the Average Joe Finances Podcast. Mark shares his mission to help you think differently about your money, your economy and your future.

In this episode, you’ll learn:

  • Ways to grow your wealth safely
  • How to maximize your income with Income Maximization Strategy
  • How the Contractual Wealth works
  • The modernized annuities that give you flexible and increasing income
  • And so much more!

About Mark Willis:
Mark is a CERTIFIED FINANCIAL PLANNER™, a three-time #1 Best Selling Author and the owner of Lake Growth Financial Services, a financial firm in Chicago, Illinois. As co-host of the Not Your Average Financial Podcast™, he shares some of his strategies for investing in real estate, paying for college without going broke, and creating an income in retirement you will not outlive.

Mark works with people who want to grow their wealth in ways that are safe and predictable, to become their own source of financing, and to create tax-free income in retirement.

Find Mark Willis on:Website: https://lakegrowth.com/
Twitter: https://twitter.com/LakeGrowth
Instagram: https://www.instagram.com/notyouraveragefinancial/
Facebook: https://www.facebook.com/lakegrowth
Youtube: https://www.youtube.com/channel/UCw-DvhKT2EaPFdncLy39LIQ
LinkedIn: https://www.linkedin.com/in/marklakegrowth/

Average Joe Finances®Our social media links can be found here: https://averagejoefinances.com/links
Need help Buying or Selling a House? https://averagejoefinances.com/realtor
Interested in getting your real estate license? https://averagejoefinances.com/prepagent
Use the same Audio/Video Editing Team that I use: https://editpods.com
Host your own Podcast here: https://averagejoefinances.com/buzzsprout
Social Media Management Tool: https://averagejoefinances.com/social-media

Pay Off Your Mortgage in 5-7 Years:www.theshredmethod.com/averagejoefinances

Make Real Estate Investing Easier with DealMachine:https://averagejoefinances.com/dealmachine

Free Stocks:● Robinhood: https://averagejoefinances.com/robinhood
● Webull: https://averagejoefinances.com/webull

Get Life Insurance: https://averagejoefinances.com/ladder
Average Joe Finances Swag: averagejoefinances.com/resources/shop

DISCLAIMER https://averagejoefinances.com/disclaimer If you are interested in writing for Average Joe Finances or joining us for an interview on the podcast, please visit https://averagejoefinances.com/contact

See our episode transcripts here: https://www.averagejoefinancespod.com/episodes/


Tropical Sensation by Mike Leite soundcloud.com/mikeleite Creative Commons - Attribution 3.0 Unported - CC BY 3.0 Free Download/Stream: https://bit.ly/-tropical-sensatio

Mortgage Connects, an MGIC Podcast
Insights and tips from top mortgage industry pros!
Listen on: Apple Podcasts Spotify

Stories and Strategies for Public Relations
Communication is in every facet of our daily business.
Listen on: Apple Podcasts Spotify

Support the show

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Join Mike Cavaggioni with Christian Bishop on the 116th episode of the Average Joe Finances Podcast.Christian shares his passion about helping people make the right money choices to reach their goals and live the lives they want. His motto is “It’s your life; let’s plan for it.”

In this episode, you’ll learn:

  • What does an enrolled agent do to help people manage their taxes
  • How to come up with a good spending plan
  • The better ways to be advantageous when it comes to tax savings
  • The recommended route to start looking for an investment vehicle
  • And so much more!

About Christian Bishop:Christian brings 25 years of experience in financial and tax planning to his writing and work with clients. He is a CERTIFIED FINANCIAL PLANNER™ professional and Enrolled Agent, authorized to practice before the IRS.

Christian was named one of America’s Promise Volunteers by the Maine legislature for teaching financial literacy in state schools. He also served on the board of directors for his local Habitat for Humanity.

Find Christian Bishop on:Website: https://hiddencashuncovered.com/
Instagram: https://www.instagram.com/moneynmewithcb/
Facebook: https://www.facebook.com/moneynmewithcb
Tiktok: https://www.tiktok.com/@moneynmewithcb

Average Joe Finances®Our social media links can be found here: https://averagejoefinances.com/links
Need help Buying or Selling a House? https://averagejoefinances.com/realtor
Interested in getting your real estate license? https://averagejoefinances.com/prepagent
Use the same Audio/Video Editing Team that I use: https://editpods.com
Host your own Podcast here: https://averagejoefinances.com/buzzsprout
Social Media Management Tool: https://averagejoefinances.com/social-media

Pay Off Your Mortgage in 5-7 Years:www.theshredmethod.com/averagejoefinances

Make Real Estate Investing Easier with DealMachine:https://averagejoefinances.com/dealmachine

Free Stocks:● Robinhood: https://averagejoefinances.com/robinhood
● Webull: https://averagejoefinances.com/webull

Get Life Insurance: https://averagejoefinances.com/ladder

Average Joe Finances Swag: averagejoefinances.com/resources/shop

DISCLAIMER https://averagejoefinances.com/disclaimer If you are interested in writing for Average Joe Finances or joining us for an interview on the podcast, please visit https://averagejoefinances.com/contact

See our episode transcripts here: https://www.averagejoefinancespod.com/episodes/


Tropical Sensation by Mike Leite soundcloud.com/mikeleite Creative Commons - Attribution 3.0 Unported - CC BY 3.0 Free Download/Stream: https://bit.ly/-tropical-sensation

Mortgage Connects, an MGIC Podcast
Insights and tips from top mortgage industry pros!
Listen on: Apple Podcasts Spotify

Stories and Strategies for Public Relations
Communication is in every facet of our daily business.
Listen on: Apple Podcasts Spotify

Support the show

View Details

Join Mike Cavaggioni with Brandon Turner on the 115th episode of the Average Joe Finances Podcast. Brandon shares his mindset in business, finances, passive income and real estate benefits for the "average joe".

In this episode, you’ll learn:

  • The benefits of investing in real estate
  • Brandon’s thoughts about recession
  • The most recession proof asset that someone can invest in right now
  • The market status for short term rentals
  • And much more!

About Brandon Turner:
Brandon is the founder and managing member of Open Door Capital, best selling real estate author with over 1 million copies sold, and past host of the BiggerPockets podcast with over 100 million downloads. Over the past decade, Brandon has established a strong track record investing in multifamily, including apartments and mobile home park assets. Open Door Capital now has over $350M in AUM.

Find Brandon Turner on:
Website: odcfund.com
Instagram: https://instagram.com/beardybrandon
Facebook: https://www.facebook.com/Hephestus85

Average Joe Finances®
Our social media links can be found here: https://averagejoefinances.com/links
Need help Buying or Selling a House? https://averagejoefinances.com/realtor
Interested in getting your real estate license? https://averagejoefinances.com/prepagent
Use the same Audio/Video Editing Team that I use: https://editpods.com
Host your own Podcast here: https://averagejoefinances.com/buzzsprout
Social Media Management Tool: https://averagejoefinances.com/social-media

Pay Off Your Mortgage in 5-7 Years:www.theshredmethod.com/averagejoefinances

Make Real Estate Investing Easier with DealMachine:
https://averagejoefinances.com/dealmachine

Free Stocks:
● Robinhood: https://averagejoefinances.com/robinhood
● Webull: https://averagejoefinances.com/webull

Get Life Insurance: https://averagejoefinances.com/ladder
Average Joe Finances Swag: averagejoefinances.com/resources/shop

DISCLAIMER https://averagejoefinances.com/disclaimer If you are interested in writing for Average Joe Finances or joining us for an interview on the podcast, please visit

Mortgage Connects, an MGIC Podcast
Insights and tips from top mortgage industry pros!
Listen on: Apple Podcasts Spotify

Empowering Nonprofits
My mission is to empower those who empower others!
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Join Mike Cavaggioni with Jeremy Goodrich on the 114th episode of the Average Joe Finances Podcast. Jeremy shares how he transitioned from being an elementary school teacher to becoming a commercial real estate insurance advisor who's been teaching investors how to buy and protect properties since 2013.

In this episode, you’ll learn:

  • The career shift that might change your perspective in life
  • The difference between residential and commercial real estate insurance
  • Why real estate is a good source of passive income
  • What factors to look for your ideal operators
  • And much more!

About Jeremy Goodrich:Jeremy is the owner of Shine Insurance and the host of the Managing Commercial Real Estate Risk podcast. He’s a teacher at heart and he simplifies insurance by giving step by step guidance along the way.

Before Shine, he was an elementary school teacher, helping countless kids fall in love with art, math, science, and writing. After 13 years of teaching, he decided it was time to change the way people feel about insurance.

Jeremy can be found helping real estate investors by shooting them ball park estimates, reviewing their policies, and making insurance work for their bottom line.

Find Jeremy Goodrich on:Website: https://www.shineinsurance.com/
Instagram: https://www.instagram.com/jgshines/
Facebook: https://www.facebook.com/jegoodri/
Linked In: https://www.linkedin.com/in/reiinsuranceguy/
Youtube: https://www.youtube.com/channel/UCGO-atb8JOo7usmRuVzG-BA

Average Joe Finances®Our social media links can be found here: https://averagejoefinances.com/links
Need help Buying or Selling a House? https://averagejoefinances.com/realtor
Interested in getting your real estate license? https://averagejoefinances.com/prepagent
Use the same Audio/Video Editing Team that I use: https://editpods.com
Host your own Podcast here: https://averagejoefinances.com/buzzsprout
Social Media Management Tool: https://averagejoefinances.com/social-media

Pay Off Your Mortgage in 5-7 Years:www.theshredmethod.com/averagejoefinances
Make Real Estate Investing Easier with DealMachine:
https://averagejoefinances.com/dealmachine

Free Stocks:
● Robinhood: https://averagejoefinances.com/robinhood
● Webull: https://averagejoefinances.com/webull

Get Life Insurance: https://averagejoefinances.com/ladder
Average Joe Finances Swag: averagejoefinances.com/resources/shop

DISCLAIMER https://averagejoefinances.com/disclaimer If you are interested in writing for Average Joe Finances or joining us for an interview on the podcast, please visit https://averagejoefinances.com/contact

See our episode transcripts here: https://www.averagejoefinancespod.com/episodes/


Tropical Sensation by Mike Leite soundcloud.com/mikeleite Creative Commons — Attribution 3.0 Unported — CC BY 3.0 Free Download / Stream: https://bit.ly/-tropical-sensation

Chaos to Clarity
“Chaos to Clarity”! There’s a ton of entrepreneurial advice out there. Too much! Here...
Listen on: Apple Podcasts Spotify

Seasons Leadership Podcast
Get practical, actionable advice you can apply now to improve your leadership - and life.
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Join Mike Cavaggioni with James Bowman on the 113th episode of the Average Joe Finances Podcast. James shares how and why he offers his Financial Coaching services to help people pay down bad debt, begin investing, and ultimately reach financial peace.

In this episode, you’ll learn:

  • How he started with Gen-Z Mon-E
  • The discovery of his own financial literacy
  • Putting your savings into investments
  • Resources to take note on learning financial literacy
  • And much more!

About James Bowman:
James is a 23-year-old veteran who is the host of the Gen-Z Mon-E Podcast.

Find James Bowman on:
Twitter: https://twitter.com/GenzMone
Instagram: https://www.instagram.com/genzmone/
Facebook: https://www.facebook.com/GenzMone/
Youtube: https://www.youtube.com/channel/UC8uJ1ZjByDu5IQVWVG7GfiQ

Average Joe Finances®
Our social media links can be found here: https://averagejoefinances.com/links
Need help Buying or Selling a House? https://averagejoefinances.com/realtor
Interested in getting your real estate license? https://averagejoefinances.com/prepagent
Use the same Audio/Video Editing Team that I use: https://editpods.com
Host your own Podcast here: https://averagejoefinances.com/buzzsprout
Social Media Management Tool: https://averagejoefinances.com/social-media

Pay Off Your Mortgage in 5-7 Years:
www.theshredmethod.com/averagejoefinances

Make Real Estate Investing Easier with DealMachine:
https://averagejoefinances.com/dealmachine

Free Stocks:● Robinhood: https://averagejoefinances.com/robinhood
● Webull: https://averagejoefinances.com/webull

Get Life Insurance: https://averagejoefinances.com/ladder
Average Joe Finances Swag: averagejoefinances.com/resources/shop

DISCLAIMER https://averagejoefinances.com/disclaimer If you are interested in writing for Average Joe Finances or joining us for an interview on the podcast, please visit https://averagejoefinances.com/contact

See our episode transcripts here: https://www.averagejoefinancespod.com/episodes/


Tropical Sensation by Mike Leite soundcloud.com/mikeleite Creative Commons —
Attribution 3.0 Unported — CC BY 3.0 Free Download / Stream: https://bit.ly/-tropical-sensation

Chaos to Clarity
“Chaos to Clarity”! There’s a ton of entrepreneurial advice out there. Too much! Here...
Listen on: Apple Podcasts Spotify

Support the show

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Join Mike Cavaggioni with Eunicia Peret on the 112th episode of the Average Joe Finances Podcast to share how she work with individuals that want to optimize their wealth and are looking to take control of their money, minimize tax exposure and are motivated to seek the answers that the financial services industry is holding back

In this episode, you’ll learn:

  • What does an empowered financial planner means
  • What does a wealth strategist do
  • Client wants versus offered products in building wealth
  • The wealth freedom formula
  • And much more!

About Eunicia Peret:
Eunicia is an accomplished Financial expert and business owner with over 15 years of experience in the financial services industry.   

She believes that every person should have a holistic and customized financial roadmap that fits their specific goals, needs and desires for short-term gains and long-term wealth.  

Eunicia is a strong believer that those that seek more for their money and wealth creation efforts deserve to know the unfair advantages that many financial advisors hold back from their clients.  Her Wealth Freedom Formula is a personalized financial consulting program offering insights into secrets that financial institutions (like the bank) do not want you to know. The clients that understand those financial secrets, are positioned to experience significant gains to their financial outlook because they become empowered with the tips, tricks and know-how to grow and protect their money… in a way that feels right to them. 

Find Eunicia Peret on:Empowered Financial Planner: https://www.empoweredfinancialplanner.com/
Facebook: https://www.facebook.com/empoweredfinancialplanner
LinkedIn: https://www.linkedin.com/company/empowered-financial-planner/
Instagram: https://www.instagram.com/euniciaperet/
Youtube: https://www.youtube.com/channel/UCzSkmxARMNMrjnz6FwlbMXA

Average Joe Finances®Our social media links can be found here: https://averagejoefinances.com/links
Need help Buying or Selling a House? https://averagejoefinances.com/realtor
Interested in getting your real estate license? https://averagejoefinances.com/prepagent
Use the same Audio/Video Editing Team that I use: https://editpods.com
Host your own Podcast here: https://averagejoefinances.com/buzzsprout
Social Media Management Tool: https://averagejoefinances.com/social-media

Pay Off Your Mortgage in 5-7 Years:
www.theshredmethod.com/averagejoefinances

Make Real Estate Investing Easier with DealMachine:
https://averagejoefinances.com/dealmachine

Free Stocks:
● Robinhood: https://averagejoefinances.com/robinhood
● Webull: https://averagejoefinances.com/webull

Get Life Insurance: https://averagejoefinances.com/ladder
Average Joe Finances Swag: averagejoefinances.com/resources/shop

DISCLAIMER https://averagejoefinances.com/disclaimer If you are interested in writing for Av

Employee Survival Guide®
A Podcast only for employees. Mark shares information your employer does not want you know
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Content Jefe
A podcast that helps online business owners make better content and more money.
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Join Mike Cavaggioni with Drew White on the 111th episode of the Average Joe Finances Podcast to share how $150,000+ in student loan debt led Drew down a path to entrepreneurship, real estate investing, bitcoin, and infinite banking.

In this episode, you’ll learn:

  • How Infinite Banking works.
  • Investing your own money into a whole life insurance policy.
  • The point of borrowing money from yourself.
  • Misconceptions about whole life insurance policy.
  • And much more!

About Drew White:
Drew is a former pediatric oncology nurse turned Modern Wealth Consultant for real estate investors, business owners, and anyone with an open mind. He teaches people the Infinite Banking Concept and strongly believes everyone should become their own banker, because all the other ones suck.

Find Drew White on:
Infinite Banking Concept: www.ibcdrew.com
Linked In: https://www.linkedin.com/in/ibcdrew/

Average Joe Finances®
Our social media links can be found here: https://averagejoefinances.com/links
Need help Buying or Selling a House? https://averagejoefinances.com/realtor
Interested in getting your real estate license? https://averagejoefinances.com/prepagent
Use the same Audio/Video Editing Team that I use: https://editpods.com
Host your own Podcast here: https://averagejoefinances.com/buzzsprout
Social Media Management Tool: https://averagejoefinances.com/social-media

Pay Off Your Mortgage in 5-7 Years:
www.theshredmethod.com/averagejoefinances

Make Real Estate Investing Easier with DealMachine:
https://averagejoefinances.com/dealmachine

Free Stocks:

● Robinhood: https://averagejoefinances.com/robinhood
● Webull: https://averagejoefinances.com/webull

Get Life Insurance: https://averagejoefinances.com/ladder
Average Joe Finances Swag: averagejoefinances.com/resources/shop

DISCLAIMER https://averagejoefinances.com/disclaimer If you are interested in writing for Average Joe Finances or joining us for an interview on the podcast, please visit https://averagejoefinances.com/contact

See our episode transcripts here: https://www.averagejoefinancespod.com/episodes/


Tropical Sensation by Mike Leite soundcloud.com/mikeleite Creative Commons — Attribution 3.0 Unported — CC BY 3.0 Free Download / Stream: https://bit.ly/-tropical-sensation

Employee Survival Guide®
A Podcast only for employees. Mark shares information your employer does not want you know
Listen on: Apple Podcasts Spotify

Winning With Shopify
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Join Mike Cavaggioni with Adam Carroll on the 110th episode of the Average Joe Finances Podcast to share how he paid off his home in record time saving over $180,000 in interest in the process.

In this episode, you’ll learn:

  • What is the Shred Method?
  • Why people should know about The Shred Method?
  • How does it actually work?
  • Adam’s Book Recommendations.
  • And much more!

About Adam Carroll:
Adam has published four books, produced an award-winning documentary on student loan debt, has a TED talk with over 5.8 million views and helps people achieve true financial freedom in their lives. More than financial freedom, Adam is all about helping people achieve time freedom, relationship freedom, and service freedom.

Adam’s books:
Winning The Money Game
30 Days to $1K
Mastery of Money for Students
The Build a Bigger Life Manifesto

Adam’s Documentary:
Broke, Busted & Disgusted

Adam’s Ted Talk:
When money isn’t real: the $10,000 experiment
The changing economic realities of college

Find Adam Carroll on:Adam Speaks: http://www.adamspeaks.com
Twitter: https://twitter.com/AdamCarroll
Instagram: https://www.instagram.com/adam.carroll/
YouTube: https://www.youtube.com/c/AdamCarrollSpeaker
Linked In: https://www.linkedin.com/in/adamcarrollspeaks/

Average Joe Finances®Our social media links can be found here: https://averagejoefinances.com/links
Need help Buying or Selling a House? https://averagejoefinances.com/realtor
Interested in getting your real estate license? https://averagejoefinances.com/prepagent
Use the same Audio/Video Editing Team that I use: https://editpods.com
Host your own Podcast here: https://averagejoefinances.com/buzzsprout
Social Media Management Tool: https://averagejoefinances.com/social-media

Pay Off Your Mortgage in 5-7 Years:
www.theshredmethod.com/averagejoefinances

Make Real Estate Investing Easier with DealMachine:
https://averagejoefinances.com/dealmachine

Free Stocks:
● Robinhood: https://averagejoefinances.com/robinhood
● Webull: https://averagejoefinances.com/webull

Get Life Insurance: https://averagejoefinances.com/ladder
Average Joe Finances Swag: averagejoefinances.com/resources/shop

DISCLAIMER https://averagejoefinances.com/disclaimer If you are interested in writing for Average Joe Finances or joining us for an interview on the podcast, please visit https://averagejoefinances.com/contact

See our episode transcripts here: https://www.averagejoefinancespod.com/episodes/


Tropical Sensation by Mike Leite soundcloud.com/mikeleite Creative Commons —
Attribution 3.0 Unported — CC BY 3.0 Free Download / Stream: https://bit.ly/-tropical-sensation

Employee Survival Guide®
A Podcast only for employees. Mark shares information your employer does not want you know
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Chaos to Clarity
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Join Mike Cavaggioni with Brent Bowers on the 109th episode of the Average Joe Finances Podcast to discuss land investing and what he does with that. Brent is the CEO of ZechBuysHouses LLC. He shares what drove him toward real estate despite the market beginning to crash during that time.

In this episode, you’ll learn:

  • To be in the Army while doing real estate
  • Brent’s first bought property
  • The discovery of land investing
  • Specific qualities to look for from partners
  • Benefits of investing in land versus homes
  • And much more!

About Brent Bowers:As an Army officer with over eight years of service, Brent Bowers was spending a great deal of time away from his family, and he knew he needed to make some changes in order to be more present with his wife and children. His interest in real estate began in 2007 when he purchased his first home, so Brent began exploring real estate investing to support his family while enjoying more time with them.

In a short amount of time, Brent was able to expand his business, hire a team, and (most importantly) spend quality time with his family while still working hard and helping others. While Brent invests in many different types of real estate, his favorite investment strategy deals with buying and selling vacant land. He enjoys sharing his expertise in this area with his coaching clients. Brent chooses to live his life based on Bob Burg’s quote, “Your influence is determined by how abundantly you place other people’s interests first.” He is passionate about helping other people find success in real estate investing, particularly in land investments.

Brent Bowers is currently the CEO of ZechBuysHouses LLC. Vacant Land of the Free, Discounted Houses Colorado Springs, Rent2Own Colorado, and Co-Working & Shared Space are all under the ZechBuysHouses Brand.

Find Brent Bowers on:Website: https://www.thelandsharks.com
Linkedin: https://www.linkedin.com/in/brent1
Facebook: https://www.facebook.com/brentlbowers1

Average Joe Finances®
Our social media links can be found here: https://averagejoefinances.com/links
Need help Buying or Selling a House? https://averagejoefinances.com/realtor
Interested in getting your real estate license? https://averagejoefinances.com/prepagent
Use the same Audio/Video Editing Team that I use: https://editpods.com
Host your own Podcast here: https://averagejoefinances.com/buzzsprout
Social Media Management Tool: https://averagejoefinances.com/social-media

Pay Off Your Mortgage in 5-7 Years:
www.theshredmethod.com/averagejoefinances

Make Real Estate Investing Easier with DealMachine:
https://averagejoefinances.com/dealmachine

Free Stocks:
● Robinhood: https://averagejoefinances.com/robinhood
● Webull: https://averagejoefinances.com/webull

Get Life Insurance: https://averagejoefinances.com/ladder
Average Joe Finances Swag: averagejoefinances.com/resources/shop

Employee Survival Guide®
A Podcast only for employees. Mark shares information your employer does not want you know
Listen on: Apple Podcasts Spotify

Winning With Shopify
Weekly information for people looking to start, grow, accelerate and win...
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Join Mike Cavaggioni with Mathias Korder and Saad Dar on the 108th episode of the Average Joe Finances Podcast to discuss an easy way for real estate investors to do finances in the technical space. Mathias and Saad are from Baselane, a banking and financing platform. They share how it makes everything efficient with just one click of a button.

In this episode, you’ll learn:

  • Basics of how Baselane works
  • Interconnection with other banks
  • Hard money loans from the platform
  • Paper asset versus real tangible asset
  • Financial literacy in America
  • And much more!

About Mathias Korder and Saad Dar:
Mathias
co-founded Baselane with Thorben Scheidger and Jad Yaghi to build modern financial technology to help the 11 million individual landlords and real estate investors in the US grow their rental investment portfolios and make real estate investing more accessible to new investors.

Saad started his career as a Certified Public Accountant (CPA) working for a top-tier accounting firm. He was responsible for helping audit alternative investment funds. He later worked at a hedge fund, where he was responsible for preparing financial statements and implementing new technology. He also ran a successful private tax practice for five years.

Find Mathias Korder and Saad Dar on:Website: www.baselane.com/
Instagram: www.instagram.com/baselanehq
Twitter: www.twitter.com/baselanehq
LinkedIn: https://www.linkedin.com/company/baselane/

Average Joe Finances®
Our social media links can be found here: www.averagejoefinances.com/links
Check out: www.averagejoefinances.com
Buying or Selling a House? www.averagejoefinances.com/realtor
Use the same Audio/Video Editing Team that I use: www.editpods.com
Podcast Book I'm in: www.averagejoefinances.com/daniel-larson
Automate your Shopping Experience with Instacart: www.averagejoefinances.com/instacart

Pay Off Your Mortgage in 5-7 Years:www.theshredmethod.com/averagejoefinances

Make Real Estate Investing Easier with DealMachine: www.averagejoefinances.com/dealmachine

Free Stocks:

  • Robinhood: www.averagejoefinances.com/robinhood
  • Webull: www.averagejoefinances.com/webull

Consolidate debt: www.averagejoefinances.com/sofi-loans/
Get Life Insurance: www.averagejoefinances.com/ladder
Average Joe Finances Swag: www.averagejoefinances.com/resources/shop

DISCLAIMER https://averagejoefinances.com/disclaimer If you are interested in writing for Average Joe Finances or joining us for an interview on the podcast, please visit https://averagejoefinances.com/contact

See our episode transcripts here: www.averagejoefinancespod.com/episodes/


Tropical Sensation by Mike Leite soundcloud.com/mikeleite Creative Commons — Attribution 3.0 Unported — CC BY 3.0 Free Download / Stream: https://bit.ly/-tropical-sensatio

Employee Survival Guide®
A Podcast only for employees. Mark shares information your employer does not want you know
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Take Stock! Presented by Commusoft
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Join Mike Cavaggioni with Bryce McKinley on the 107th episode of the Average Joe Finances Podcast as he shares his amazing story in Real Estate Investing. Bryce is a testament to what it means to get back up after you've been knocked down... and more than once!

In this episode, you’ll learn:

  • How growing up in a bad neighborhood can build character
  • How hustle and determination can overcome limiting beliefs
  • About Bryce's setbacks didn't hold him back
  • The importance of believing in yourself
  • And so much more!

About Bryce McKinley:
Bryce McKinley is on a mission to change the game in Real Estate Investing. There’s so much opportunity out there for everyone but the industry is riddled with fake experts sharing ineffective information. After being involved in over 10,000 transactions, Bryce has developed the expertise to know exactly what it takes to go from the first conversation to closed deal faster than anyone else.

Bryce McKinley has been globally recognized as a top 5 Sales Trainer, Motivational speaker, and an independent consultant for business including Fortune 500 Companies such as Ford, Nissan, Tyco, and ADT.

He started his journey with nothing, making his first deals living out of his car and has taken that drive to help hundreds of people change their life through wholesaling properties all across the country. This beginning has kept him humble and understanding that everyone deserves a chance to create the life they want.

Find Bryce McKinley on:Website: www.5hourflip.com
Facebook: www.facebook.com/REIResultsCoach
Instagram: www.instagram.com/coachsharpen
YouTube: https://www.youtube.com/c/BryceMcKinley

Average Joe Finances®Our social media links can be found here: www.averagejoefinances.com/links
Check out: www.averagejoefinances.com
Buying or Selling a House? www.averagejoefinances.com/realtor
Use the same Audio/Video Editing Team that I use: www.editpods.com
Podcast Book I'm in: www.averagejoefinances.com/daniel-larson
Automate your Shopping Experience with Instacart: www.averagejoefinances.com/instacart

Pay Off Your Mortgage in 5-7 Years: www.theshredmethod.com/averagejoefinances

Make Real Estate Investing Easier with DealMachine: www.averagejoefinances.com/dealmachine

Free Stocks:

  • Robinhood: www.averagejoefinances.com/robinhood
  • Webull: www.averagejoefinances.com/webull

Consolidate debt: www.averagejoefinances.com/sofi-loans/
Get Life Insurance: www.averagejoefinances.com/ladder
Average Joe Finances Swag: www.averagejoefinances.com/resources/shop

DISCLAIMER https://averagejoefinances.com/disclaimer If you are interested in writing for Average Joe Finances or joining us for an interview on the podcast, please visit https://averagejoefinances.com/contact

See our episode transcripts here: www.averagejoefinancespod.com/episodes/

Employee Survival Guide®
A Podcast only for employees. Mark shares information your employer does not want you know
Listen on: Apple Podcasts Spotify

The Better Bookkeeper Podcast
Become more confident as a bookkeeping professional by getting a deeper understanding...
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Join Mike Cavaggioni with Alex Breshears on the 106th episode of the Average Joe Finances Podcast to discuss how to live actively by investing passively through private lending. Alex is a private money lender, fund manager, underwriter, educator, limited partner, and community builder. She shares some perspectives on private lending now as compared to the past.

In this episode, you’ll learn:

  • How demand for private lending has changed
  • About Alex’s book, Lend To Live
  • The Pareto Principle in private lending
  • Importance of networking and building relationships
  • Common mistakes in private lending to avoid
  • And much more!

About Alex Breshears:
Alex Breshears is a private money lender, Regulation A fund investor relations manager, multifamily underwriter, educator, limited partner in multifamily syndications, and community builder who partners with active and passive real estate investors, syndicators, and military spouses to grow their financial independence, knowledge, and professional network. Alex funds 1st lien and 2nd lien positions for residential property in the Hampton Roads, Virginia area. She also started an educational Facebook group called Lend2Live Private Lending Lessons which offers weekly educational lessons, daily posts for discussion, and opportunities to network with other investors about private lending and various projects that may need funding.

Find Alex Breshears on:BiggerPockets: https://www.biggerpockets.com/users/alexatlend2live
LinkedIn: http://www.linkedin.com/in/InvestPassively2LiveActively
Facebook Group: www.facebook.com/groups/privatelendinglessons
Instagram: https://www.instagram.com/investpassive2liveactive
Website: www.lend2live.com
YouTube: https://www.youtube.com/c/PrivateLendingLessons
Her book: https://store.biggerpockets.com/products/lend-to-live

Average Joe Finances®Our social media links can be found here: www.averagejoefinances.com/links
Check out: www.averagejoefinances.com
Buying or Selling? www.averagejoefinances.com/realtor
Interested in getting your real estate license? www.averagejoefinances.com/prepagent
Use the same Audio/Video Editing Team that I use: www.editpods.com
Host your own Podcast here: www.averagejoefinances.com/buzzsprout
Automate your Shopping Experience with Instacart: www.averagejoefinances.com/instacart

Pay off your mortgage in 5-7 years: www.theshredmethod.com/averagejoefinances

Make Real Estate Investing Easier with DealMachine: www.averagejoefinances.com/dealmachine

Free Stocks:

  • Robinhood: www.averagejoefinances.com/robinhood
  • Webull: www.averagejoefinances.com/webull

Consolidate debt: www.averagejoefinances.com/sofi-loans
Get Life Insurance: www.averagejoefinances.com/ladder
Average Joe Finances Swag: www.averagejoefinances.com/resources/shop

DISCLAIMER https://averagejoefinances.com

Employee Survival Guide®
A Podcast only for employees. Mark shares information your employer does not want you know
Listen on: Apple Podcasts Spotify

The Better Bookkeeper Podcast
Become more confident as a bookkeeping professional by getting a deeper understanding...
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Support the show

View Details

Join Mike Cavaggioni with Van Sturgeon on the 105th episode of the Average Joe Finances Podcast to discuss how to vet contractors. Van is a real estate investor who started as a contractor in the 90s and eventually transitioned to property management. He shares his journey in real estate.

In this episode, you’ll learn:

  • From general contractor to property management
  • Passion for real estate
  • How to get the right contractor – Van’s vetting process
  • Budget talks: how to set caps on deals
  • Keep everyone on the same page with a detailed scope of work
  • And much more!

About Van Sturgeon:
Van Sturgeon is a real estate investor who has successfully created several businesses. To date, Van has amassed over 1,000 properties across North America and is passionate about educating new real estate investors on the importance of goal setting, dedication, and taking that first step to investing in real estate. Over 90% of today’s millionaires are created through real estate. If you are looking for financial freedom through real estate, then this is the place to learn all the information and strategies needed to succeed.

Find Van Sturgeon on:Website: https://vansturgeon.com/

Average Joe Finances®Our social media links can be found here: https://averagejoefinances.com/links
Check out: https://averagejoefinances.com
Buying or Selling a House? https://averagejoefinances.com/realtor
Interested in getting your real estate license? https://averagejoefinances.com/prepagent
Use the same Audio/Video Editing Team that I use: https://editpods.com
Host your own Podcast here: https://averagejoefinances.com/buzzsprout
Social Media Management Tool: https://averagejoefinances.com/social-media
Podcast Book I'm Published in: https://averagejoefinances.com/daniel-larson
Buy an NFT of this podcast: https://ajf.uncut.fm
Automate your Shopping Experience with Instacart: www.averagejoefinances.com/instacart

Make Real Estate Investing Easier with DealMachine: https://averagejoefinances.com/dealmachine

Free Stocks:

  • Robinhood: https://averagejoefinances.com/robinhood
  • Webull: https://averagejoefinances.com/webull

Consolidate debt: https://averagejoefinances.com/sofi-loans/
Get Life Insurance: https://averagejoefinances.com/ladder
Average Joe Finances Swag: averagejoefinances.com/resources/shop

DISCLAIMER https://averagejoefinances.com/disclaimer If you are interested in writing for Average Joe Finances or joining us for an interview on the podcast, please visit https://averagejoefinances.com/contact

See our episode transcripts here: https://www.averagejoefinancespod.com/episodes/

Tropical Sensation by Mike Leite soundcloud.com/mikeleite Creative Commons — Attribution 3.0 Unported — CC BY 3.0 Free Download / Stream: https://bit.ly/-tropical-sensation

Employee Survival Guide®
A Podcast only for employees. Mark shares information your employer does not want you know
Listen on: Apple Podcasts Spotify

The Better Bookkeeper Podcast
Become more confident as a bookkeeping professional by getting a deeper understanding...
Listen on: Apple Podcasts Spotify

Support the show

View Details

Join Mike Cavaggioni with Eric Simonson on the 104th episode of the Average Joe Finances Podcast to discuss financial planning and credit card hacking. Eric is a certified financial planner and the founder of Abundo Wealth. He shares what made him take the path of becoming a financial planner and how they put their clients first in their company.

In this episode, you’ll learn:

  • About an English major with a business degree
  • When Eric quit his job and started his own business
  • Personal journey toward financial freedom
  • Travel hacks using credit card points
  • Make the most out of credit card rewards
  • And much more!

About Eric Simonson:

While working as a financial advisor in corporate America for over a decade, Abundo Wealth’s founder, Eric Simonson, saw a need to help people who didn’t have access to work with a traditional advisor. Since most advisors require people have a certain amount of money to work with them, a lot of people who needed help couldn’t get it.

Eric left his corporate job and launched a different model: one where he was only paid for giving honest advice that benefited his clients, not himself. He built Abundo around a system called Flat Fee Financial Planning, eliminating all conflicts of interest without overcharging for professional advice. He was able to help more people using proven low-cost investments and provide guidance in all areas of their financial lives.

Find Eric Simonson on:Website: www.abundowealth.com
Facebook: https://www.facebook.com/AbundoWealth
Instagram: https://www.instagram.com/abundo_wealth/
Linkedin: https://www.linkedin.com/company/abundowealth/
Twitter: https://twitter.com/AbundoW

Average Joe Finances®Our social media links can be found here: https://averagejoefinances.com/links
Check out: https://averagejoefinances.com
Buying or Selling a House? https://averagejoefinances.com/realtor
Interested in getting your real estate license? https://averagejoefinances.com/prepagent
Use the same Audio/Video Editing Team that I use: https://editpods.com
Host your own Podcast here: https://averagejoefinances.com/buzzsprout
Social Media Management Tool: https://averagejoefinances.com/social-media
Podcast Book I'm Published in: https://averagejoefinances.com/daniel-larson
Buy an NFT of this podcast: https://ajf.uncut.fm

Make Real Estate Investing Easier with DealMachine: https://averagejoefinances.com/dealmachine

Free Stocks:

  • Robinhood: https://averagejoefinances.com/robinhood
  • Webull: https://averagejoefinances.com/webull

Consolidate debt: https://averagejoefinances.com/sofi-loans/
Get Life Insurance: https://averagejoefinances.com/ladder
Average Joe Finances Swag: averagejoefinances.com/resources/shop

DISCLAIMER https://averagejoefinances.com/disclaimer If you are interested in writing for Average Joe Finances or joining us for an interview on the podcast, please visit https://averagejoefinances.com/contact

See our episode transcripts here: https://www.averagejoefinancespod.com/episodes/

Tropical Sensation by Mike Leite soundcloud.com/mikeleite Creative Commons — Attribution 3.0 Unported — CC BY 3.0 Free Download / Stream: https://bit.ly/-tropical-sensation

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Join Mike Cavaggioni with Ruben Dominguez on the 103rd episode of the Average Joe Finances Podcast to discuss his transition from single-family to multifamily and from passive to active investing. Ruben is the founder and principal of Totem Capital Group. He shares how he got into real estate and tells his firsthand experience in different asset classes and as both an active and passive investor.

In this episode, you’ll learn:

  • First base in real estate
  • Multifamily is the same as single-family, just a few differences
  • The switch from passive to active investor
  • What Ruben enjoys the most in real estate
  • Ruben’s biggest mistake
  • And much more!

About Ruben Dominguez:Ruben Dominguez is the founder and principal of Totem Capital Group. Ruben graduated from the University of the Incarnate Word with a Bachelor of Science Degree in Business Administration and spent over 12 years in IT leadership roles. Most recently, he served as an executive for several Software as a Service (SaaS) companies, where he was able to grow and exit a company successfully. Ruben and his wife, April, have three children and live in the San Antonio Metro area.

Find Ruben Dominguez on:
Website: https://www.totemcapitalgroup.com/

Average Joe Finances®Our social media links can be found here: https://averagejoefinances.com/links
Check out: https://averagejoefinances.com
Buying or Selling a House? https://averagejoefinances.com/realtor
Interested in getting your real estate license? https://averagejoefinances.com/prepagent
Use the same Audio/Video Editing Team that I use: https://editpods.com
Host your own Podcast here: https://averagejoefinances.com/buzzsprout
Social Media Management Tool: https://averagejoefinances.com/social-media
Podcast Book I'm Published in: https://averagejoefinances.com/daniel-larson
Buy an NFT of this podcast: https://ajf.uncut.fm

Make Real Estate Investing Easier with DealMachine: https://averagejoefinances.com/dealmachine

Free Stocks:

  • Robinhood: https://averagejoefinances.com/robinhood
  • Webull: https://averagejoefinances.com/webull

Consolidate debt: https://averagejoefinances.com/sofi-loans/
Get Life Insurance: https://averagejoefinances.com/ladder
Average Joe Finances Swag: averagejoefinances.com/resources/shop

DISCLAIMER https://averagejoefinances.com/disclaimer If you are interested in writing for Average Joe Finances or joining us for an interview on the podcast, please visit https://averagejoefinances.com/contact

See our episode transcripts here: https://www.averagejoefinancespod.com/episodes

Tropical Sensation by Mike Leite soundcloud.com/mikeleite Creative Commons — Attribution 3.0 Unported — CC BY 3.0 Free Download / Stream: https://bit.ly/-tropical-sensation

Small Business PR
Get your small business seen and valued without ads, agencies, or connections necessary.
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Man vs Market
Come follow my journey as I seek to build a portfolio that beats the market!
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Join Mike Cavaggioni with John Nicholas on the 102nd episode of the Average Joe Finances Podcast to discuss how you can be debt-free as soon as possible. John is a wealth coach and has been a lifelong entrepreneur who built companies worth millions. He shares his experience of being broke and his strategy to help others overcome debt.

In this episode, you’ll learn:

  • A changed mindset means a change in direction
  • Personal journey of beating debt and achieving financial freedom
  • Seven different ways of accruing debt and how to avoid it
  • The value of coaches and celebrating each step of the way
  • Three debt recovery keys everyone should know
  • And much more!

About John Nicholas:John Nicholas has built award-winning sports media and real estate companies worth millions, but he has also faced serious setbacks and debt. So he knows how it feels, how it can happen to anyone, and what it takes to recover. John also worked inside the debt-relief industry, where he learned why debt programs often fail. That’s why he left that field, only to return with the breakthrough approach he presents through his recent Amazon #1 New Release book and other free and affordable resources. John is a SoCal beach native, a former pro football player, pastor, and long-time entrepreneur. He’s a graduate of Brown University, Fuller Seminary, and Leighton Ford’s Arrow Leadership Program, and he lives with his wife and their two dogs near Dallas, TX.

Find John Nicholas on:
Website: https://debt-freeasap.com/
Facebook: https://www.facebook.com/DebtFreeASAP
YouTube: https://www.youtube.com/channel/UCApKoli7paE1MpEy6mjWPAA
Free Video Course: https://debt-freeasap.com/the-free-video-course/

Average Joe Finances®Our social media links can be found here: https://averagejoefinances.com/links
Check out: https://averagejoefinances.com
Buying or Selling a House? https://averagejoefinances.com/realtor
Interested in getting your real estate license? https://averagejoefinances.com/prepagent
Use the same Audio/Video Editing Team that I use: https://editpods.com
Host your own Podcast here: https://averagejoefinances.com/buzzsprout
Social Media Management Tool: https://averagejoefinances.com/social-media
Podcast Book I'm Published in: https://averagejoefinances.com/daniel-larson
Buy an NFT of this podcast: https://ajf.uncut.fm

Make Real Estate Investing Easier with DealMachine: https://averagejoefinances.com/dealmachine

Free Stocks:

  • Robinhood: https://averagejoefinances.com/robinhood
  • Webull: https://averagejoefinances.com/webull

Consolidate debt: https://averagejoefinances.com/sofi-loans/
Get Life Insurance: https://averagejoefinances.com/ladder
Average Joe Finances Swag: averagejoefinances.com/resources/shop

DISCLAIMER https://averagejoefinances.com/disclaimer If you are interested in writing for Average Joe Finances or joining

Small But Mighty Agency
A podcast that uncovers how to go from solopreneur to seven figure agency with ease.
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Join Mike Cavaggioni with Jesse Futia on the 101st episode of the Average Joe Finances Podcast to discuss the success brought by a strong mentality and networking. Jesse is the principal and CEO of Executive Equity Investing and the host of the Wealth Science podcast. He tells how his mentality helped him in building what he has now.

In this episode, you’ll learn:

  • “Go out there and get it” mentality
  • Jump ship from single-family to commercial multifamily
  • Military influence on Jesse’s mentality
  • Lessons from both smaller and larger sides of real estate
  • How did Jesse do it? Networking
  • And much more!

About Jesse Futia:
Jesse Futia is the principal and CEO of Executive Equity Investing. Jesse grew up in Albany, NY, and graduated from the University of Albany. He commissioned as an officer in the US Army and served as a US Army Ranger from 2019 to 2021. Jesse Began investing in real estate during college, where he and his family built one of the largest student housing portfolios in Albany, NY. In 2021 Jesse transitioned to commercial real estate to invest in mobile home parks, apartment buildings, and self-storage deals to achieve incredible returns for investors.

Find Jesse Futia on:
Website: https://www.execequityinvesting.com/
Linkedin: https://www.linkedin.com/in/jesse-futia-ba54b9147

Average Joe Finances®Our social media links can be found here: https://averagejoefinances.com/links
Check out: https://averagejoefinances.com
Buying or Selling a House? https://averagejoefinances.com/realtor
Interested in getting your real estate license? https://averagejoefinances.com/prepagent
Use the same Audio/Video Editing Team that I use: https://editpods.com
Host your own Podcast here: https://averagejoefinances.com/buzzsprout
Social Media Management Tool: https://averagejoefinances.com/social-media
Podcast Book I'm Published in: https://averagejoefinances.com/daniel-larson
Buy an NFT of this podcast: https://ajf.uncut.fm

Make Real Estate Investing Easier with DealMachine: https://averagejoefinances.com/dealmachine

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Small But Mighty Agency
A podcast that uncovers how to go from solopreneur to seven figure agency with ease.
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Get your small business seen and valued without ads, agencies, or connections necessary.
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Premium driving for dollars tool helps you add twice as many leads in half the time.

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Join Mike Cavaggioni with Joseph Hogue on the 100th episode of the Average Joe Finances Podcast to discuss how to invest smartly in a volatile market. Joseph is an investment analyst and influencer on YouTube and four blogs discussing investing, making money, and personal finance. He talks about his journey into the world of finance.

In this episode, you’ll learn:

  • A brief background about Joseph
  • The core-satellite investment strategy
  • Get rid of FOMO; discipline yourself
  • How Joseph stays calm amid stock market fluctuations
  • Good side hustles to explore
  • And much more!

About Joseph Hogue:
Born and raised in Iowa, Joseph Hogue graduated from Iowa State University after serving in the Marine Corps. He worked in corporate finance and real estate before starting a career in investment analysis. Joseph has appeared on Bloomberg and CNBC and led a team of equity analysts for a venture capital research firm. He holds a Master’s Degree in Business and the Chartered Financial Analyst (CFA) designation.

Find Joseph Hogue on:
Website: https://mystockmarketbasics.com/
YouTube: https://www.youtube.com/channel/UCbKdotYtcY9SxoU8CYAXdvg
Facebook Group: https://www.facebook.com/groups/3083628104983203

Average Joe Finances®
Our social media links can be found here: https://averagejoefinances.com/links
Check out: https://averagejoefinances.com
Buying or Selling a House? https://averagejoefinances.com/realtor
Interested in getting your real estate license? https://averagejoefinances.com/prepagent
Use the same Audio/Video Editing Team that I use: https://editpods.com
Host your own Podcast here: https://averagejoefinances.com/buzzsprout
Social Media Management Tool: https://averagejoefinances.com/social-media
Podcast Book I'm Published in: https://averagejoefinances.com/daniel-larson
Buy an NFT of this podcast: https://ajf.uncut.fm

Make Real Estate Investing Easier with DealMachine: https://averagejoefinances.com/dealmachine

Free Stocks:

  • Robinhood: https://averagejoefinances.com/robinhood
  • Webull: https://averagejoefinances.com/webull

Consolidate debt: https://averagejoefinances.com/sofi-loans/
Get Life Insurance: https://averagejoefinances.com/ladder
Average Joe Finances Swag: averagejoefinances.com/resources/shop

DISCLAIMER https://averagejoefinances.com/disclaimer
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End Hype with Callye Keen
End Hype coaches entrepreneurs to transform product ideas into business reality
Listen on: Apple Podcasts Spotify

Being Boss: Mindset, Habits, Tactics, and Lifestyle for Entrepreneurs
Discover what it takes to start and grow your own business.
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Real Estate and You w/ Brad Weisman
Casual conversations about everything having to do w/ Real Estate... and YOU! It's a...
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Join Mike Cavaggioni with Dr. Susan Laubach on the 99th episode of the Average Joe Finances Podcast to discuss a way to teach investing that is easily digestible. Dr. Susan is an author, playwright, actress, and educator and has been in the investment business for years. She shares how she uses children’s stories to explain the investment business market to adults better.

In this episode, you’ll learn:

  • Investing taught through children’s stories
  • What got Dr. Susan to build her wealth
  • Rumpelstiltskin talks about basic concepts
  • Loaner versus owner
  • Manage expectations to mitigate risks
  • And much more!

About Dr. Susan Laubach: Susan Laubach, Ph.D., has had a distinguished career as an author, playwright, actress, and educator. She has written nine books, including The Whole Kitt & Caboodle: A Painless Journey to Investment Enlightenment, which was called “the best basic book on investing available” by the National Association of Investment Clubs and endorsed by Economics America, as well as the National Council on Economic Education. Her plays have been performed throughout the Northeast, including at venues such as Women at Work, MamaDrama, and EAT’s Sola Voce Festival. As a member of the Actors’ Equity Association (AEA), Screen Actors Guild-American Federation of Television and Radio Artists (SAG-AFTRA), the League of Professional Theatre Women (LTTW), and Dramatists Guild Fund treasurer and board member, she has appeared in many plays, television, and film. She has also been a popular guest on CNN-FM and CNBC’s Morning Business Show, and The Money Club.

Find Dr. Susan Laubach on:
Website: https://www.susanlaubach.com

Average Joe Finances®Our social media links can be found here: https://averagejoefinances.com/links
Website: https://averagejoefinances.com
Mike Cavaggioni: https://mikecavaggioni.com
Buying or Selling a House? https://averagejoefinances.com/realtor
Interested in getting your real estate license? https://averagejoefinances.com/prepagent
Use the same Audio/Video Editing Team that I use: https://editpods.com
Host your own Podcast here: https://averagejoefinances.com/buzzsprout
Social Media Management Tool: https://averagejoefinances.com/social-media
Podcast Book I'm Published in: https://averagejoefinances.com/daniel-larson
Buy an NFT of this podcast: https://ajf.uncut.fm

Make Real Estate Investing Easier with DealMachine: https://averagejoefinances.com/dealmachine

Free Stocks:

  • Robinhood: https://averagejoefinances.com/robinhood
  • Webull: https://averagejoefinances.com/webull

Consolidate debt: https://averagejoefinances.com/sofi-loans/
Get Life Insurance: https://averagejoefinances.com/ladder
Average Joe Finances Swag: averagejoefinances.com/resources/shop

DISCLAIMER https://averagejoefinances.com/disclaimer If you are interested in writing for Average Joe Finances or joining us for an interview on the podcast, please visit https://averagejoefinances.com/contact

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End Hype with Callye Keen
End Hype coaches entrepreneurs to transform product ideas into business reality
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Join Mike Cavaggioni with Michael Dominguez on the 98th episode of the Average Joe Finances Podcast to talk about how he got the title of “Armchair Millionaire.” Michael is an award-winning sales representative at RE/MAX Jazz Inc. Brokerage and the founder of Doors to Wealth Real Estate Group. He shares his journey to achieving financial freedom.

In this episode, you’ll learn:

  • Entrepreneurial spirit
  • Pathway to financial freedom through real estate
  • A book about real estate as a resource for others
  • Michael’s biggest mistake
  • Tips on how to get started in real estate
  • And much more!

About Michael Dominguez:
Michael Dominguez is an award-winning sales representative at RE/MAX Jazz Inc. Brokerage and the founder of Doors to Wealth Real Estate Group, a team of realtors focused on educating and assisting people in residential real estate. After becoming a realtor in 2008, Michael realized the opportunities in real estate investing and bought his first investment property, proceeding to add to his portfolio for ten consecutive years. Throughout his realtor career, he has completed over 300 investment property transactions.

Find Michael Dominguez on:
Website: http://armchairrealestatemillionaire.com/
Facebook: https://facebook.com/authormichaeldominguez
Twitter: https://twitter/armchair_wealth

Average Joe Finances®Our social media links can be found here: https://averagejoefinances.com/links
Check out: https://averagejoefinances.com
Balance Your Portfolio with Passiv: https://averagejoefinances.com/passiv
Buying or Selling a House? https://averagejoefinances.com/realtor
Need help finding deals? https://www.averagejoefinances.com/dealmachine
Interested in getting your real estate license? https://averagejoefinances.com/prepagent
Use the same Audio/Video Editing Team that I use: https://editpods.com
Host your own Podcast here: https://averagejoefinances.com/buzzsprout
Social Media Management Tool: https://averagejoefinances.com/social-media
Podcast Book I'm Published in: https://averagejoefinances.com/daniel-larson
Buy an NFT of this podcast: https://ajf.uncut.fm

Free Stocks:

  • Robinhood: https://averagejoefinances.com/robinhood
  • Webull: https://averagejoefinances.com/webull

Consolidate debt: https://averagejoefinances.com/sofi-loans/
Get Life Insurance: https://averagejoefinances.com/ladder
Average Joe Finances Swag: averagejoefinances.com/resources/shop

DISCLAIMER https://averagejoefinances.com/disclaimer If you are interested in writing for Average Joe Finances or joining us for an interview on the podcast, please visit https://averagejoefinances.com/contact

See our episode transcripts here: https://www.averagejoefinancespod.com/episodes/

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Join Mike Cavaggioni with Ida Azefor Eyong on the 97th episode of the Average Joe Finances Podcast to talk about the reasons why people are broke. Ida is a financial coach for newcomers and helps immigrants from African nations moving in North America. She shares tips on paying off debts and living a life of financial freedom.

In this episode, you’ll learn:

  • Corporate accountant moving from West Africa to Canada
  • The importance of financial literacy
  • Financial mistakes Ida made and learned from
  • Ida’s target community as a financial coach
  • Finance talk for partners and couples
  • And much more!

About Ida Azefor Eyong:
Ida Azefor is a financial coach for newcomers and people of African descent living in North America. Having paid off $60,000+ debt in two years and transformed their lives, Ida has decided to spend the rest of her life helping people avoid the same mistakes they made. She believes that you were created on purpose, with purpose, and for a specific assignment that you must complete here on earth, but the noise in life (financial stress) is distracting you from that unique assignment.

Find Ida on:Website: https://idaazefor.com
Instagram: https://www.instagram.com/idaazefor.financialcoaching/
Facebook: https://www.facebook.com/idaazefor.financialcoaching
YouTube: https://www.youtube.com/c/IdaAzeforFinancialCoaching
Podcast: https://idaazefor.com/podcast

Average Joe Finances®Our social media links can be found here: https://averagejoefinances.com/links
Check out: https://averagejoefinances.com
Balance Your Portfolio with Passiv: https://averagejoefinances.com/passiv
Buying or Selling a House? https://averagejoefinances.com/realtor
Interested in getting your real estate license? https://averagejoefinances.com/prepagent
Use the same Audio/Video Editing Team that I use: https://editpods.com
Host your own Podcast here: https://averagejoefinances.com/buzzsprout
Social Media Management Tool: https://averagejoefinances.com/social-media
Podcast Book I'm Published in: https://averagejoefinances.com/daniel-larson
Buy an NFT of this podcast: https://ajf.uncut.fm

Free Stocks:

  • Robinhood: https://averagejoefinances.com/robinhood
  • Webull: https://averagejoefinances.com/webull

Consolidate debt: https://averagejoefinances.com/sofi-loans/
Get Life Insurance: https://averagejoefinances.com/ladder
Average Joe Finances Swag: averagejoefinances.com/resources/shop

DISCLAIMER https://averagejoefinances.com/disclaimer If you are interested in writing for Average Joe Finances or joining us for an interview on the podcast, please visit https://averagejoefinances.com/contact
See our episode transcripts here: https://www.averagejoefinancespod.com/episodes/


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Join Mike Cavaggioni with Phil Better on the 96th episode of the Average Joe Finances Podcast to talk about the potential of podcasting as a business. Phil is a podcaster who runs six podcasts as host and co-host and is also an executive producer of podcasts for entrepreneurs, business owners, and influencers. He shares his entry point to the world of podcasting and how he built that into a booming business.

In this episode, you’ll learn:

  • Who is Phil Lemieux?
  • Passion for podcasting and turning it to a business
  • How to monetize a podcast
  • Be your own boss
  • Grow a show with authenticity and knowledge
  • And much more!

About Phil Better:
Phil’s interest in podcasting began when he heard one of Kevin Smith’s podcasts on the network Smodcast back in 2014. Since then, he has been listening to a varied genre of podcasts to constantly be up to date with the latest knowledge when it comes to podcasting.

In November 2017, he took the plunge and started his first podcast, The Phil Better Show. The show went on hiatus in 2020, but at the same time, Phil’s drive to become a successful Entrepreneur kicked into high gear. After a few failed attempts and some inner soul searching, he decided to start Investing In Himself by doing the one thing he’s great at... Connecting with people.

Phil’s drive to be known globally as The Podcast Mogul means he is always looking to help independent podcasters monetize their show by offering free 30-minute sessions that he hopes to turn into another podcast when he has the time.

Find Phil Better on:
Website: www.philbetterinc.com

Average Joe Finances®Our social media links can be found here: https://averagejoefinances.com/links
Check out: https://averagejoefinances.com
Balance Your Portfolio with Passiv: https://averagejoefinances.com/passiv
Buying or Selling a House? https://averagejoefinances.com/realtor
Interested in getting your real estate license? https://averagejoefinances.com/prepagent
Use the same Audio/Video Editing Team that I use: https://editpods.com
Host your own Podcast here: https://averagejoefinances.com/buzzsprout
Social Media Management Tool: https://averagejoefinances.com/social-media
Podcast Book I'm Published in: https://averagejoefinances.com/daniel-larson
Buy an NFT of this podcast: https://ajf.uncut.fm

Free Stocks:

  • Robinhood: https://averagejoefinances.com/robinhood
  • Webull: https://averagejoefinances.com/webull

Consolidate debt: https://averagejoefinances.com/sofi-loans/
Get Life Insurance: https://averagejoefinances.com/ladder
Average Joe Finances Swag: averagejoefinances.com/resources/shop

DISCLAIMER https://averagejoefinances.com/disclaimer If you are interested in writing for Average Joe Finances or joining us for an interview on the podcast, please visit https://averagejoefinances.com/contact

See our episode transcripts here: https://www.averagejoefinancespod.com/episodes/

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Join Mike Cavaggioni with Fernando Angelucci on the 95th episode of the Average Joe Finances Podcast to talk about the explosive growth that comes with wholesaling self-storage. Fernando is the CEO of SSSE, an investment firm specializing in institutional-grade self-storage facilities. He explains in detail how investing in the self-storage niche is done.

In this episode, you’ll learn:

  • An engineer in the real estate industry
  • Responses Fernando got when he was starting out
  • The thought process behind wholesaling self-storage assets
  • Historical performance of self-storage assets
  • What is something Fernando wished he knew right from the start
  • And much more!

About Fernando Angelucci:
Fernando Angelucci worked at Dow Chemical, a Fortune 50 company, rolling out a flagship product estimated to gross $1B in global revenue. When he was 23, Fernando started in real estate on the residential side by wholesaling and acquiring residential rentals. Fernando then went on to build a multi-family rental portfolio spanning the Midwest. In preparation for the next down cycle, Fernando and the team divested from residential real estate to focus on self-storage. Fernando graduated from the University of Illinois at Urbana-Champaign with a B.A. degree in Technical Systems Management. Fernando currently resides in Chicago, IL.

Find Fernando Angelucci on:
SSSE Website: https://ssse.com
Impact Self Storage Website: https://www.impactselfstorage.com
Facebook Personal: https://www.facebook.com/TheFernandoAngelucci
Facebook: https://www.facebook.com/ImpactSelfStorage
Linkedin: https://www.linkedin.com/in/thefernandoangelucci

Average Joe Finances®
Our social media links can be found here: https://flow.page/avgjoefinances
Check out: https://averagejoefinances.com
Balance Your Portfolio with Passiv: https://averagejoefinances.com/passiv
Buying or Selling a House? https://averagejoefinances.com/realtor
Interested in getting your real estate license? https://averagejoefinances.com/prepagent
Use the same Audio/Video Editing Team that I use: https://editpods.com
Host your own Podcast here: https://averagejoefinances.com/buzzsprout
Social Media Management Tool: https://averagejoefinances.com/social-media
Podcast Book I'm Published in: https://averagejoefinances.com/daniel-larson
Buy an NFT of this podcast: https://ajf.uncut.fm

Free Stocks:
Robinhood: https://averagejoefinances.com/robinhood
Webull: https://averagejoefinances.com/webull

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Get Life Insurance: https://averagejoefinances.com/ladder
Average Joe Finances Swag: averagejoefinances.com/resources/shop

DISCLAIMER https://averagejoefinances.com/disclaimer
If you are interested in writing for Average Joe Finances or joining us for an interview on the podcast, please visit https://averagejoefinances.com/contact


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Join Mike Cavaggioni with Doug Spence on the 94th episode of the Average Joe Finances Podcast to talk about turnkey, BRRR, and his transition to passive investing. Doug is the founder of Honor and Equity, a real estate investing resource for the military community. He shares how he invested out of state and more.

In this episode, you’ll learn:

  • Inflection point: Doug’s first dedicated investment property
  • What sparked Doug’s interest in turnkey properties
  • How to overcome challenges of investments outside the state
  • Off-market deals and where to find them
  • Other asset classes to invest in besides real estate
  • And much more!

About Doug Spence:Doug Spence is the founder of Honor and Equity, a real estate investing resource for the military community. He was born and raised in Houston, Texas, and currently lives in San Diego with his wife, Cait, and parrot, Ruby. Doug attended Baylor University as an undergrad and obtained MBA from the University of Florida. He is also an active-duty Navy officer since 2009. His first purchase of a property was in 2016.

Find Doug Spence on:Website: www.honorandequity.com
Instagram: www.instagram.com/honorandequity
Twitter: www.twitter.com/honorandequity

Average Joe Finances®Our social media links can be found here: https://averagejoefinances.com/links
Check out: https://averagejoefinances.com
Balance Your Portfolio with Passiv: https://averagejoefinances.com/passiv
Buying or Selling a House? https://averagejoefinances.com/realtor
Interested in getting your real estate license? https://averagejoefinances.com/prepagent
Use the same Audio/Video Editing Team that I use: https://editpods.com
Host your own podcast here: https://averagejoefinances.com/buzzsprout
Social Media Management Tool: https://averagejoefinances.com/social-media
Podcast Book I’m Published in: https://averagejoefinances.com/daniel-larson
Buy an NFT of this podcast: https://ajf.uncut.fm

Free Stocks:

  • Robinhood: https://averagejoefinances.com/robinhood
  • Webull: https://averagejoefinances.com/webull

Consolidate debt: https://averagejoefinances.com/sofi-loans/
Get Life Insurance: https://averagejoefinances.com/ladder
Average Joe Finances Swag: https://averagejoefinances.com/resources/shop

DISCLAIMER https://averagejoefinances.com/disclaimer If you are interested in writing for Average Joe Finances or joining us for an interview on the podcast, please visit https://averagejoefinances.com/contact

See our episode transcripts here: https://www.averagejoefinancespod.com/episodes/

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Join Mike Cavaggioni with Cody Yeh on the 93rd episode of the Average Joe Finances Podcast to talk about stock options and real estate for multiple income streams. Cody is a first-generation Taiwanese immigrant in Canada who became a coach, real estate investor, and stock options investor. He tells his journey of quitting his white-collar job to pursue better opportunities in real estate and stock options.

In this episode, you’ll learn:

  • Enrolled in the wrong degree program
  • The inflection point in real estate
  • Stock options and real estate investing for generational wealth building
  • Cryptocurrency hype
  • Advice on how to start building net worth
  • And much more!

About Cody Yeh:When Cody Yeh was 18, he came to Canada with a student visa. Cody had no clue about passive income and wealth creation skills. Over the past 11 years, he has transitioned from being a student and a full-time project manager to a coach, real estate investor, and stock options investor. The skills Cody acquired have allowed him to quit his job at the beginning of 2020.

Find Cody Yeh on:Website: https://www.codyyeh.com
Facebook: https://www.facebook.com/groups/StockInvestingCanadaUs
YouTube: https://www.youtube.com/codyyeh
Instagram: https://www.instagram.com/cody__yeh

Average Joe Finances®Our social media links can be found here: https://averagejoefinances.com/links
Check out: https://averagejoefinances.com
Balance Your Portfolio with Passiv: https://averagejoefinances.com/passiv
Buying or Selling a House? https://averagejoefinances.com/realtor
Interested in getting your real estate license? https://averagejoefinances.com/prepagent
Use the same Audio/Video Editing Team that I use: https://editpods.com
Host your own podcast here: https://averagejoefinances.com/buzzsprout
Social Media Management Tool: https://averagejoefinances.com/social-media
Podcast Book I’m Published in: https://averagejoefinances.com/daniel-larson

Free Stocks:

  • Robinhood: https://averagejoefinances.com/robinhood
  • Webull: https://averagejoefinances.com/webull

Consolidate debt: https://averagejoefinances.com/sofi-loans/
Get Life Insurance: https://averagejoefinances.com/ladder
Average Joe Finances Swag: https://averagejoefinances.com/resources/shop

DISCLAIMER https://averagejoefinances.com/disclaimer If you are interested in writing for Average Joe Finances or joining us for an interview on the podcast, please visit https://averagejoefinances.com/contact

See our episode transcripts here: https://www.averagejoefinancespod.com/episodes

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Join Mike Cavaggioni with David Richter on the 92nd episode of the Average Joe Finances Podcast to talk about profit first in real estate. David is an active real estate investor, author, and founder of Simple CFO Solutions, LLC. He shares how he brings investors true financial clarity and freedom.

In this episode, you’ll learn:

  • What Profit First for real estate means
  • Shift to pay yourself first over expenses
  • Application of the Profit First method
  • David’s favorite real estate investing strategy
  • Advice for those just getting started
  • And much more!

About David Richter:
David Richter is an active real estate investor. He has been essential in closing over 850 deals, including wholesale, turnkey, BRRRR, owner finance, rentals, lease options, and any other exit strategy. While growing and building a real estate business from five deals a month to over 25 deals a month, David realized that as much money was coming in, it was going right out. With the unique opportunity to be in every seat as a real estate investor, he found a calling to the company’s finance seat to help them see where their money was going. David has helped real estate companies completely turn around from going out of business to building cash reserves through his profit advising company, Simple CFO Solutions, LLC. He is the author of Profit First for Real Estate Investing. His goal in life is to completely transform the Real Estate Investing industry when it comes to how real estate investors view their finances and – bring them true financial clarity and freedom.

Find David Richter on:Website: https://simplecfosolutions.com/
Profit First for Real Estate Book: https://amzn.to/3vj2Bex
Profit First by Mike Michalowicz: https://amzn.to/3xLrIIf

Average Joe Finances®Our social media links can be found here: https://averagejoefinances.com/links
Check out: https://averagejoefinances.com
Balance Your Portfolio with Passiv: https://averagejoefinances.com/passiv
Buying or Selling a House? https://averagejoefinances.com/realtor
Interested in getting your real estate license? https://averagejoefinances.com/prepagent
Use the same Audio/Video Editing Team that I use: https://editpods.com
Host your own podcast here: https://averagejoefinances.com/buzzsprout
Social Media Management Tool: https://averagejoefinances.com/social-media
Podcast Book I’m Published in: https://averagejoefinances.com/daniel-larson
Buy an NFT of this podcast: https://ajf.uncut.fm

Free Stocks:

  • Robinhood: https://averagejoefinances.com/robinhood
  • Webull: https://averagejoefinances.com/webull

Consolidate debt: https://averagejoefinances.com/sofi-loans/
Get Life Insurance: https://averagejoefinances.com/ladder
Average Joe Finances Swag: https://averagejoefinances.com/resources/shop

DISCLAIMER https://averagejoefinances.com/disclaimer If you are interested in writing for Average Joe Finances or joining us for an interview on the podcast, please visit https://averagejoefinances.com/contact

See our episode transcripts here: https://www.averagejoefinancespod.com/episodes/

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Join Mike Cavaggioni with Anthony Fatseas on the 91st episode of the Average Joe Finances Podcast to talk about NFTs. Anthony is the host of the WTFinance Podcast and a cryptocurrency investor. He shares how he got involved in cryptocurrency, which eventually made him pursue a career in finance.

In this episode, you’ll learn:

  • Anthony’s career shift to finance
  • Are NFTs the future of finance?
  • Must-know terms when getting into crypto
  • Common misconceptions
  • Current state of the NFT market
  • And much more!

About Anthony Fatseas:Anthony Fatseas is the president of the Warwick Trading Society and host of the WTFinance Podcast. He is an experienced retail sales manager transitioning to the finance industry. Anthony is currently studying a BSC in Management and Finance at Warwick Business School.

Find Anthony Fatseas on:
Website: https://www.wtfinance.online
YouTube: https://www.youtube.com/channel/UCPI-DJWmId3Y-Dd1yI8LDnw
Instagram: https://www.instagram.com/wtfinancee/
iTunes: https://podcasts.apple.com/us/podcast/wtfinance/id1554934665?uo=4
Spotify: https://open.spotify.com/show/67rpmjG92PNBW0doLyPvfn
TikTok: https://vm.tiktok.com/ZMeUjj9xV/
LinkedIn: https://www.linkedin.com/in/anthony-fatseas-761066103/
Twitter: https://twitter.com/AnthonyFatseas

Average Joe Finances®
Our social media links can be found here: https://averagejoefinances.com/links
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Join Mike Cavaggioni with Sammy Warrayat on the 90th episode of the Average Joe Finances Podcast to talk about the five categories of success. Sammy is a passionate finance and life coach whose target market is millennials like him. He explains in detail these five categories to achieve financial freedom and, ultimately, success.

In this episode, you’ll learn:

  • Long-term goals and financial freedom
  • Day trading versus swing trading
  • Budgeting tips for millennials
  • Why keeping finances in order is a need
  • Move up the corporate ladder or start a side hustle?
  • And much more!

About Sammy Warrayat:
Sammy is an avid learning enthusiast who loves reading, hiking, sports, and traveling. Raised in Atlanta, GA, and currently living around wherever the world takes him, his focus on financial freedom has been crucial to his outlook on life.

He started the Successful Millennials podcast to help spread positivity and actionable tips to get closer to achieving success in the five major categories: Happiness, Career/Purpose, Money, Physical/Mental Health, and Relationships (Intimate, Familial, and Social).

Find Sammy Warrayat on:
Website: https://financezilla.net/
Instagram: https://www.instagram.com/financezilla/
Podcast: https://pod.link/1559215368

Average Joe Finances®
Our social media links can be found here: https://averagejoefinances.com/links
Check out: https://averagejoefinances.com
Balance Your Portfolio with Passiv: https://averagejoefinances.com/passiv
Buying or Selling a House? https://averagejoefinances.com/realtor
Interested in getting your real estate license? https://averagejoefinances.com/prepagent
Use the same Audio/Video Editing Team that I use: https://editpods.com
Host your own podcast here: https://averagejoefinances.com/buzzsprout
Social Media Management Tool: https://averagejoefinances.com/social-media
Podcast Book I’m Published in: https://averagejoefinances.com/daniel-larson
Buy an NFT of this podcast: https://ajf.uncut.fm

Free Stocks:

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DISCLAIMER https://averagejoefinances.com/disclaimer If you are interested in writing for Average Joe Finances or joining us for an interview on the podcast, please visit https://averagejoefinances.com/contact

See our episode transcripts here: https://www.averagejoefinancespod.com/episodes/

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Join Mike Cavaggioni with Christopher Gerteisen on the 89th episode of the Average Joe Finances Podcast to talk about gold mining. Christopher is the executive director and CEO of Nova Minerals, an Australian mining company. He shares the project process, from research to the actual mining.

In this episode, you’ll learn:

  • A brief summary of Christopher’s work
  • Mineral investing: how is it carried out?
  • Indicators of metal deposits in a site
  • Returns from investing in mineral explorers
  • Future of gold investing in relation to the pandemic
  • And much more!

About Christopher Gerteisen:Christopher Gerteisen, as general manager, controls all aspects of the Estelle Gold project while implementing efficiencies and savings to keep the cost per discovery ounce well below the industry average. Christopher has over 20 years of experience as a professional geologist with an extensive record of managing and advancing complex and challenging resource projects across North America, Australia, and Asia.

His work experience spans Greenfields from discovery to the production stage and other projects focusing on commodities, including gold and copper. He worked as a geologist on the Carlin Trend in Nevada and on exploration in Alaska with Newmont. He has held senior positions on several projects throughout the goldfields of Western Australia.

As a research geologist with Newmont, he worked on the Batu Hijau Porhryry Cu-Au deposit in Indonesia. Most recently, through his technical contributions and management skills, Christopher played a significant role in the successful start-up, operations, and exploration, which resulted in further mine-life extending discoveries at several prominent projects in the Australasian region, including Oxiana’s Sepon and PanAust’s Phu Bia in Laos. Christopher holds a Bachelor of Geology from the University of Idaho and a Master’s Degree in Economic Geology from the Western Australia School of Mines. He is a dual USA and Australia Citizen based in Alaska and a member of the Australian Institute of Geoscientists.

Find Christopher Gerteisen on:
Website: https://novaminerals.com.au/

Average Joe Finances®
Our social media links can be found here: https://averagejoefinances.com/links
Check out: https://averagejoefinances.com
Balance Your Portfolio with Passiv: https://averagejoefinances.com/passiv
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Interested in getting your real estate license? https://averagejoefinances.com/prepagent
Use the same Audio/Video Editing Team that I use: https://editpods.com
Host your own podcast here: https://averagejoefinances.com/buzzsprout
Social Media Management Tool: https://averagejoefinances.com/social-media
Podcast Book I’m Published in: https://averagejoefinances.com/daniel-larson

Free Stocks:

  • Robinhood: https://averagejoefinances.com/robinhood
  • Webull: https://averagejoefinances.com/webull

Consolidate debt: https://averagejoefinances.com/sofi-loans/
Get Life Insurance: https://averagejoefinances.com/ladder
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DISCLAIMER https://averagejoefinances.com/disclaimer If you are interested in writing for Average Joe Finances or joining us for an interview on the podcast, please visit https://averagejoefinances.com/contact

See our episode transcripts here: https://www.averagejoefinancespod.com/episodes/

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Join Mike Cavaggioni with Adam Doran on the 88th episode of the Average Joe Finances Podcast to talk about wealth management. Adam is an advisor at Prevail Strategies. He shares his experience of how he became a wealth advisor.

In this episode, you’ll learn:

  • A police officer who became a wealth advisor
  • How is the traditional financial planning broken today
  • The tax problem nobody talks about
  • What makes Adam different from the typical wealth advisor
  • Recommendations for early retirement
  • And much more!

About Adam Doran:Adam Doran is a former police officer-turned wealth advisor who has been investing in real estate since 2011. He specializes in a creative capital strategy for real estate investors to build tax-free wealth alongside their growing portfolios.

As a real estate investor, Adam started with wholesaling and accumulating single-family rentals using the BRRRR method in his home market of Kansas City. He transitioned in 2019 to multifamily and now owns 52-units with his partners.

Find Adam Doran on:LinkedIn: https://www.linkedin.com/in/adamdoran33

Average Joe Finances®Our social media links can be found here: https://averagejoefinances.com/links
Check out: https://averagejoefinances.com
Balance Your Portfolio with Passiv: https://averagejoefinances.com/passiv
Buying or Selling a House? https://averagejoefinances.com/realtor
Interested in getting your real estate license? https://averagejoefinances.com/prepagent
Use the same Audio/Video Editing Team that I use: https://editpods.com
Host your own podcast here: https://averagejoefinances.com/buzzsprout
Social Media Management Tool: https://averagejoefinances.com/social-media
Podcast Book I’m Published in: https://averagejoefinances.com/daniel-larson

Free Stocks:

  • Robinhood: https://averagejoefinances.com/robinhood
  • Webull: https://averagejoefinances.com/webull

Consolidate debt: https://averagejoefinances.com/sofi-loans/
Get Life Insurance: https://averagejoefinances.com/ladder
Average Joe Finances Swag: https://averagejoefinances.com/resources/shop
DISCLAIMER https://averagejoefinances.com/disclaimer If you are interested in writing for Average Joe Finances or joining us for an interview on the podcast, please visit https://averagejoefinances.com/contact

See our full episode transcripts here: https://www.averagejoefinancespod.com/episodes/


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Join Mike Cavaggioni and Anthane Richie as they chat about short-term rentals! In this episode, Anthane shares a lot about short-term rentals and how he created what he calls a BRRRRNB. He is using the Buy, Rehab, Rent, Refinance, and Repeat (BRRRR) method on a short term rental. He explains how he began studying to prepare himself for that market, to choosing the right place to buy in at. Also, he shares about balancing the pros and cons of the deals that he handled before. He also shares what his psyche and process were in deciding which deals to pursue. Anthane also shares about why he chose to focus on short-term rentals and not in multi-family dwellings which he will speak of more in this episode. A lot to learn from Anthane with his years of experience and knowledge in the field so be sure to stay tuned!

In this episode, you’ll learn:

  • Importance of boosting your financial literacy
  • How the field is heavily glamorized
  • Choosing the market and the location
  • How to manage your properties the easier way
  • And many more!

About Anthane Richie:
Anthane Richie is a U.S. Navy Chief Petty Officer who also invests in real estate, blogs and hosts the Rich State of Mind Podcast, which talks about wealth building, positivity, budgeting, pursuing your passion and dreams along with discussing the journey of your version of success.

Reach Anthane on…
Website: https://richstateofmind.com
Facebook: https://www.facebook.com/richstateofmindpodcast
Instagram: https://www.instagram.com/richstateofmindpage/
Twitter: https://twitter.com/richstateof
Youtube: https://www.youtube.com/channel/UCTt--wNEN0m868l3n6-AJuA

Average Joe Finances®
Our social media links can be found here: https://averagejoefinances.com/links
Check out: https://averagejoefinances.com
Balance Your Portfolio with Passiv: https://averagejoefinances.com/passiv
Buying or Selling a House? https://averagejoefinances.com/realtor
Interested in getting your real estate license? https://averagejoefinances.com/prepagent
Use the same Audio/Video Editing Team that I use: https://editpods.com
Host your own Podcast here: https://averagejoefinances.com/buzzsprout
Social Media Management Tool: https://averagejoefinances.com/social-media
Podcast Book I'm Published in: https://averagejoefinances.com/daniel-larson

Free Stocks:

  • Robinhood: https://averagejoefinances.com/robinhood
  • Webull: https://averagejoefinances.com/webull

Consolidate debt: https://averagejoefinances.com/sofi-loans/
Get Life Insurance: https://averagejoefinances.com/ladder
Average Joe Finances Swag: averagejoefinances.com/resources/shop
DISCLAIMER https://averagejoefinances.com/disclaimer If you are interested in writing for Average Joe Finances or joining us for an interview on the podcast, please visit https://averagejoefinances.com/contact
See our episode transcripts here: https://www.averagejoefinancespod.com/episodes/


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Join Mike Cavaggioni and Charlotte Dunford as they chat about how Charlotte was able to close 22 mobile home deals from mid-2019! Charlotte shares in this episode her background in college and what made her do the big move to the US from China. Growing up in a society that didn’t allow them to own real estate properties, she moved to the US with the inspiration to own her property. After she finished college at the Georgia Institute of Technology, she continued her career which leans more toward her degree in Business Administration. She then pursued real estate in 2019 because she knew she had the necessary skills to flourish in this field. She will share more about her journey and how she went on to close 22 deals on mobile home parks in this episode so be sure to stay tuned!

In this episode, you’ll learn:

  • How Charlotte went from technology to investing
  • What helped Charlotte achieve 22 deals since 2019
  • Making sure investors are happy
  • How Charlotte’s Chinese background inspired her to get into real estate
  • Importance of being decisive and not second-guessing
  • And many more!

About Charlotte Dunford:

Charlotte is a graduate of The Georgia Institute of Technology where she earned her B.S. in Business with a focus on business analytics and technology. Charlotte, along with her business partners, currently sponsors the repositioning of 24 value-add and turnaround mobile home parks.

Connect with Charlotte Dunford:

Website: www.johnscreekcapital.com
LinkedIn: https://www.linkedin.com/in/charlotte-d-a03139189

Average Joe Finances®Our social media links can be found here: https://flow.page/avgjoefinances
Check out: https://averagejoefinances.com
Balance Your Portfolio with Passiv: https://averagejoefinances.com/passiv
Buying or Selling a House? https://averagejoefinances.com/realtor
Interested in getting your real estate license? https://averagejoefinances.com/prepagent
Use the same Audio/Video Editing Team that I use: https://editpods.com
Host your own Podcast here: https://averagejoefinances.com/buzzsprout
Social Media Management Tool: https://averagejoefinances.com/social-media
Podcast Book I'm Published in: https://averagejoefinances.com/daniel-larson

Free Stocks:

  • Robinhood: https://averagejoefinances.com/robinhood
  • Webull: https://averagejoefinances.com/webull

Consolidate debt: https://averagejoefinances.com/sofi-loans
Get Life Insurance: https://averagejoefinances.com/ladder
Average Joe Finances Swag: averagejoefinances.com/resources/shop

DISCLAIMER https://averagejoefinances.com/disclaimerIf you are interested in writing for Average Joe Finances or joining us for an interview on the podcast, please visit https://averagejoefinances.com/contact


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Join Mike Cavaggioni and Mark Andersen to discuss how the mindset in wholesaling real estate is being applied in crypto mining. Mark shares so much about the details of crypto mining and even the lesser-appreciated details of their operations. One such thing is the consideration of their energy source, using electricity produced from hydroelectric power plants. Of course, the more business-focused bits are present as well as Mark shares the difference between being a real estate agent and wholesaling, which leans more on the detail of working for a client or working for yourself and simply aiming to maximize your profits. Being able to apply his background as a real estate agent and his wholesaling business has helped him progress his career and many more to unpack so be sure to stay tuned!

In this episode, you’ll learn:

  • Difference between real estate wholesaling
  • Preparing the proper gear for crypto mining
  • Being strategic with a power source, location, and operations
  • Utilizing resources to keep all assets moving
  • Being careful with the devices used for crypto mining
  • And many more!

About Mark Andersen:

Experienced Mortgage Underwriter with a demonstrated history of working in the banking industry. Skilled in Quality Management, Mortgage Underwriting, Refinance, Critical Thinking, and Financial Services. Strong finance professional graduated from William Horlick high school.

Also actor and director, known for Amigospc (2018), The Jeff Macolino Podcast (2021) and The Kelsey Hudgins Show (2020).

Connect with Mark Andersen:Website: https://www.amigospc.net
Email: 1Amigospc@gmail.com
Instagram: https://www.instagram.com/amigospc/

Average Joe Finances®Our social media links can be found here: https://flow.page/avgjoefinances
Check out: https://averagejoefinances.com
Balance Your Portfolio with Passiv: https://averagejoefinances.com/passiv
Buying or Selling a House? https://averagejoefinances.com/realtor
Interested in getting your real estate license? https://averagejoefinances.com/prepagent
Use the same Audio/Video Editing Team that I use: https://editpods.com
Host your own Podcast here: https://averagejoefinances.com/buzzsprout
Social Media Management Tool: https://averagejoefinances.com/social-media
Podcast Book I'm Published in: https://averagejoefinances.com/daniel-larson

Free Stocks:

  • Robinhood: https://averagejoefinances.com/robinhood
  • Webull: https://averagejoefinances.com/webull

Consolidate debt: https://averagejoefinances.com/sofi-loans/
Get Life Insurance: https://averagejoefinances.com/ladder
Average Joe Finances Swag: averagejoefinances.com/resources/shop
DISCLAIMER https://averagejoefinances.com/disclaimerIf you are interested in writing for Average Joe Finances or joining us for an interview on the podcast, please visit https://averagejoefinances.com/contact


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Join Mike Cavaggioni and Myles Wakeham, sharing the greatest analogy of life with his surfing background. He shared that when he’s surfing, he finds the wave he can ride, paddle along with it, and goes with the flow of the universe. Myles utilized Bitcoin in 2017 to be able to save up on remittance fees. Without the thought of walking away from Bitcoin with profit, Myles saw how the market grew and from $7, it grew to $20,000 which made Myles’ passive income exponentially huge without even putting conscious effort in making it grow. Myles’ Australian energy definitely came into play as well, when he thought maintaining Bitcoin is not all that risky when he grew up in a country where “everything’s gonna kill you.” Taking chances and riding waves definitely worked out for Myles as he shares more about Bitcoin and more on his real estate background as well in this episode so stay tuned!

In this episode, you’ll learn:

  • Finding the right “waves” to ride
  • Making a profit, without really meaning to
  • Paying off their US debt from Australia
  • Building his empire and growing his community
  • Recovering from the market crash
  • And many more!

About Myles Wakeham:

Myles Wakeham is an expatriate Australian, who moved to the USA in 1989 and became a US Citizen in 2003 in Phoenix, Arizona. Myles lives in Scottsdale, Arizona much of the time, but spends a large portion of his year traveling the world with his wife and daughter.

He is a self-made, financially independent person who is the host of "The Unconstrained Podcast". It is Myles' goal to empower others to become financially sustainable. This is a methodology that he created and is releasing it codified in book form in late 2020.

Connect with Myles Wakeham:Website: https://www.beunconstrained.com
LinkedIn: https://www.linkedin.com/in/myles-wakeham-0b918425/
Twitter: https://twitter.com/beunconstrained

Average Joe Finances®Our social media links can be found here: https://flow.page/avgjoefinances
Check out: https://averagejoefinances.com
Balance Your Portfolio with Passiv: https://averagejoefinances.com/passiv
Buying or Selling a House? https://averagejoefinances.com/realtor
Interested in getting your real estate license? https://averagejoefinances.com/prepagent
Use the same Audio/Video Editing Team that I use: https://editpods.com
Host your own Podcast here: https://averagejoefinances.com/buzzsprout
Social Media Management Tool: https://averagejoefinances.com/social-media
Podcast Book I'm Published in: https://averagejoefinances.com/daniel-larson

Free Stocks:
Robinhood: https://averagejoefinances.com/robinhood
Webull: https://averagejoefinances.com/webull

Consolidate debt: https://averagejoefinances.com/sofi-loans/
Get Life Insurance: https://averagejoefinances.com/ladder
Average Joe Finances Swag: averagejoefinances.com/resources/shop
DISCLAIMER https://averagejoefinances.com/disclaimer If you are interested in writing for Average Joe Finances or joining us for an interview on the podcast, please visit https://averagejoefinances.com/contact


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Join Mike Cavaggioni and Sam Zelinka, as he shares how he secured financial freedom while working for the government. Started working in the government at the age of 18 and also runs a blog focused on retirement, Sam shares that finances are always a constant topic in his family. Very driven at a young age, Sam acknowledges that there is a lack of education regarding money and that it’s not even a rare occurrence for someone to not know how a pension works. In this episode, there are other details with real-life instances as well regarding pensions, say for example, for people who did military service. A lot to learn about pensions and financial literacy in this episode, further reiterated by Sam with real-life scenarios so be sure to stay tuned!

In this episode, you’ll learn:

  • Financial literacy is crucial knowledge
  • How Sam helps rectify misinformation about finance
  • Personal system that Sam and his wife uses for finances
  • The mindset difference between being financially conscious and not
  • Sam’s advice to people who would like to retire by 45
  • And many more!

About Sam Zelinka

Sam i.e. "Gov Worker" started working for the government at age 18 and loved it so much that he never left. He started Government Worker FI in 2019 to help fellow federal employees understand their benefits, take control of their finances, and live their best lives.

Connect with Sam ZelinkaWebsite: https://www.governmentworkerfi.com
Twitter: https://twitter.com/GovWorkerFI

Average Joe Finances®Our social media links can be found here: https://averagejoefinances.com/links
Check out: https://averagejoefinances.com
Balance Your Portfolio with Passiv: https://averagejoefinances.com/passiv
Buying or Selling a House? https://averagejoefinances.com/realtor
Interested in getting your real estate license? https://averagejoefinances.com/prepagent
Use the same Audio/Video Editing Team that I use: https://editpods.com
Host your own Podcast here: https://averagejoefinances.com/buzzsprout
Social Media Management Tool: https://averagejoefinances.com/social-media
Podcast Book I'm Published in: https://averagejoefinances.com/daniel-larson

Free Stocks:

  • Robinhood: https://averagejoefinances.com/robinhood
  • Webull: https://averagejoefinances.com/webull

Consolidate debt: https://averagejoefinances.com/sofi-loans/
Get Life Insurance: https://averagejoefinances.com/ladder
Average Joe Finances Swag: averagejoefinances.com/resources/shop
DISCLAIMER https://averagejoefinances.com/disclaimerIf you are interested in writing for Average Joe Finances or joining us for an interview on the podcast, please visit https://averagejoefinances.com/contact


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Join Mike Cavaggioni and Rod Khleif, as they first chat about Rod’s beginnings and some very specific experiences, both losses and wins, and more importantly, shifting mindsets to recover from such losses. In this episode, Rod shares so much about how life is more affected by our mindset rather than our technical knowledge. In this episode, one of the big topics that Rod discusses is analysis paralysis, which is what usually happens for people who tend to overthink in doing the next step. Albeit thinking before you leap is not a bad thing, over-analyzing causes stagnancy in the process. Having a goal helps with decision-making and more importantly, makes a person genuinely happy. Rod shares how he went through depression after reaching a point in his life where he should be satisfied. He realized why shifting goalposts is important in one’s personal life and career. Get to know Rod’s story and stay tuned!

In this episode, you’ll learn:

  • Who influenced Rod to do real estate
  • Importance of a demographic review
  • How a crisis opens up a valuable opportunity
  • Overcoming analysis paralysis and making things happen
  • Happiness comes from constant progress and growth
  • And much more!

About Rod Khleif:

Rod Khleif is an entrepreneur, real estate investor, multiple business owner, author, mentor, and community philanthropist who is passionate about business, life, success, and giving back. As one of the country’s top real estate trainers, Rod has personally owned and managed over 2,000 properties.

Rod is Host of the Top-Ranked iTunes Real Estate Podcast which has been downloaded more than 10,000,000 times – “The Lifetime Cash Flow Through Real Estate Investing Podcast.” Rod is the author of “How to Create Lifetime Cash Flow Through Multifamily Properties” considered to be an essential “textbook” for aspiring multifamily investors.

Connect with Rod Khleif on…Website: https://rodkhleif.com
LinkedIn: https://www.linkedin.com/in/rodkhleif/
Facebook: https://www.facebook.com/rodkhleifofficial/
Twitter: https://twitter.com/RodKhleif

Average Joe Finances®
Our social media links can be found here: https://flow.page/avgjoefinances
Check out: https://averagejoefinances.com
Balance Your Portfolio with Passiv: https://averagejoefinances.com/passiv
Buying or Selling a House? https://averagejoefinances.com/realtor
Interested in getting your real estate license? https://averagejoefinances.com/prepagent
Use the same Audio/Video Editing Team that I use: https://editpods.com
Host your own Podcast here: https://averagejoefinances.com/buzzsprout
Social Media Management Tool: https://averagejoefinances.com/social-media
Podcast Book I'm Published in: https://averagejoefinances.com/daniel-larson

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Join Mike Cavaggioni and Ravi Sood, as they talk about Galane Gold, Ravi’s company, and share about being an active miner. Ravi was taking a pause before pursuing his master’s degree after studying mathematics. Figuring out a way to be able to fund his education, Ravi got into the investment industry and fell in love with the field. It was until the mid 00’s that Ravi actually got interested in investing in mining and gold. Ravi shares more about how he got interested in mining gold and what’s his point-of-view on the difference between crypto mining and gold mining in this episode so stay tuned!

In this episode, you’ll learn:

  • Why Ravi chose gold and not digital assets
  • Where do gold investments go to and how does it grow
  • Traditional stock market and paper assets
  • Importance of beating the inflation rate
  • Ravi’s tips for investors looking at gold stocks
  • And many more!

About Ravi Sood:

Ravi Sood is a financier focused on emerging markets. Mr. Sood was the founder and former CEO of Navina Asset Management, a Toronto-based investment firm that was acquired by a major financial institution. Mr. Sood also serves as a director of several companies including Blockchain Power Trust, Feronia Inc., and Eve & Co. Previously Mr. Sood was a director of ICC Labs (acquired) and Elgin Mining (acquired).

Connect with Ravi Sood:Website:www.galanegold.com
LinkedIn: https://www.linkedin.com/in/ravisood/?originalSubdomain=hk
Wiki: https://en.wikipedia.org/wiki/Ravi_Sood

Average Joe Finances®Our social media links can be found here: https://flow.page/avgjoefinances
Check out: https://averagejoefinances.com
Balance Your Portfolio with Passiv: https://averagejoefinances.com/passiv
Buying or Selling a House? https://averagejoefinances.com/realtor
Interested in getting your real estate license? https://averagejoefinances.com/prepagent
Use the same Audio/Video Editing Team that I use: https://editpods.com
Host your own Podcast here: https://averagejoefinances.com/buzzsprout
Social Media Management Tool: https://averagejoefinances.com/social-media
Podcast Book I'm Published in: https://averagejoefinances.com/daniel-larson

Free Stocks:

  • Robinhood: https://averagejoefinances.com/robinhood
  • Webull: https://averagejoefinances.com/webull

Consolidate debt: https://averagejoefinances.com/sofi-loans/
Get Life Insurance: https://averagejoefinances.com/ladder
Average Joe Finances Swag: averagejoefinances.com/resources/shop

DISCLAIMER https://averagejoefinances.com/disclaimerIf you are interested in writing for Average Joe Finances or joining us for an interview on the podcast, please visit https://averagejoefinances.com/contact

Tropical Sensation by Mike Leite soundcloud.com/mikeleite Creative Commons — Attribution 3.0 Unported — CC BY 3.0 Free Download / Stream: https://bit.ly/-tropical-sensation

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Join Mike Cavaggioni and Perry Zheng as they chat about the Cash Flow Portal, whose goal is to connect passive investors with real-estate syndicators among many others. Leaving his job at Lyft as an engineering manager to go full-time with the Cash Flow Portal, Perry shares how he started his journey, with the purple bible, Rich Dad, Poor Dad. He now helps syndicators raise capital and find deals as a full-time job. There is a lot to unpack in this episode about how they operate and help syndicators and investors. Be sure to stay tuned!

In this episode, you’ll learn:

  • How Perry started the Cash Flow Portal
  • The advantages of the Cash Flow Portal for investors
  • Using different online services to gain information
  • Real estate syndication is not just multifamily
  • The future for digital information sharing
  • And much more!

About Perry Zheng:
Perry Zheng is the Founder and CEO of the Cash Flow Portal, a modern real estate syndication software. He was an engineering manager at Lyft for 5.5 years and worked as a software engineer at Twitter and Amazon. Perry is also a lead sponsor on 850+ apartment units, having raised $20M+ for real estate projects and generating 30%+ annualized returns for investors.

Cash Flow Portal provides different advantages for investors and syndicators. It helps a client easily pinpoint who they should contact next and who has the highest chance of investing, dedicated to creating a secure platform by using SSL, two-factor authentication, encryption, and PCI DSS. You can store and distribute documentation, automate K1s, distributions, updates, investor workflows, and get comprehensive reports.

Find Perry Zheng on:
Website: https://www.cashflowportal.com
Email: perry@cashflowportal.com
LinkedIn: https://www.linkedin.com/in/perryzheng
Facebook: https://www.facebook.com/perry.zheng

Average Joe Finances®
Our social media links can be found here: https://flow.page/avgjoefinances
Check out: https://averagejoefinances.com
Balance Your Portfolio with Passiv: https://averagejoefinances.com/passiv
Buying or Selling a House? https://averagejoefinances.com/realtor
Interested in getting your real estate license? https://averagejoefinances.com/prepagent
Use the same Audio/Video Editing Team that I use: https://editpods.com
Host your own Podcast here: https://averagejoefinances.com/buzzsprout
Social Media Management Tool: https://averagejoefinances.com/social-mediaPodcast Book I'm Published in: https://averagejoefinances.com/daniel-larson
Free Stocks:

  • Robinhood: https://averagejoefinances.com/robinhood
  • Webull: https://averagejoefinances.com/webull

Consolidate debt: https://averagejoefinances.com/sofi-loans/
Get Life Insurance: https://averagejoefinances.com/ladder
Average Joe Finances Swag: averagejoefinances.com/resources/shop
DISCLAIMER https://averagejoefinances.com/disclaimer
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Join Mike Cavaggioni and Badri Malnyur as they discuss building a fund for investing in real estate! Starting his business right after college, Badri and his partners had a software consulting company that he ran for a decade. In search of passive income, he got into a corporate training company that is, while not a passive type of income, still acknowledged as income which was his goal either way and that is what helped him transition into different entrepreneurial paths. Badri shares more about his current company, Avestor, and share the how-to’s of successfully building an investment fund so stay tuned as there’s a lot to unpack in this episode!

In this episode, you’ll learn:

  • What could help the move into the entrepreneurial ventures
  • How to diversify your asset classes
  • What to identify when choosing an asset class
  • Why get involved in sub asset clases
  • Badri’s personal recommendations for start-up investors
  • And many more!

About Badri Malnyur:
Badri has over 20 years of experience in multi-family housing. He was a co-founder in two previous start-ups, an active angel investor and has held key leadership positions at a Fortune 500 company for over 15 years. His MBA in Marketing & Finance and his Masters in Computer Science provide him with a unique perspective on how technology can be applied to real estate.

Avestor is a Portland, Oregon based software and services company with a mission to automate & simplify the complex world of commercial real estate investing. They partner with real estate entrepreneurs to provide them the tools and services that help accelerate their growth while enabling their investors to quickly & seamlessly build diversified real estate portfolios. ​Their passion comes from our experience as passive investors who have had to deal with all the complexities of trying to build our own diversified real estate portfolios.

Find Badri on:Website: www.avestorinc.com
Facebook: https://www.facebook.com/avestor/
Email: badri@avestorinc.com
LinkedIn: www.linkedin.com/in/badri-sukumar-malynur/

Average Joe Finances®
Our social media links can be found here: https://flow.page/avgjoefinances
Check out: https://averagejoefinances.com
Balance Your Portfolio with Passiv: https://averagejoefinances.com/passiv
Buying or Selling a House? https://averagejoefinances.com/realtor
Interested in getting your real estate license? https://averagejoefinances.com/prepagent
Use the same Audio/Video Editing Team that I use: https://editpods.com
Host your own Podcast here: https://averagejoefinances.com/buzzsprout
Social Media Management Tool: https://averagejoefinances.com/social-media
Podcast Book I'm Published in: https://averagejoefinances.com/daniel-larson

Free Stocks:

  • Robinhood: https://averagejoefinances.com/robinhood
  • Webull: https://averagejoefinances.com/webull

Consolidate debt: https://averagejoefinances.com/sofi-loans/
Get Life Insurance: https://averagejoefinances.com/ladder
Average Joe Finances Swag: averagejoefinances.com/resources/shop
DISCLAIMER https://averagejoefinances.com/disclaimer
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Join Mike Cavaggioni with Quentin D’Souza on the 78th episode of the Average Joe Finances® Podcast as they talk about why he left teaching for real estate, why he stopped coaching, why you shouldn't be the expert in everything, and so much more. As Quentin shares what can be anticipated from his book The Action Taker's Real Estate Investing Planner, tune in and find out why he doesn't do annual goals and why he believes planning is still so underrated.

In this episode, you'll learn:

  • Quentin D’Souza – on practicing self-employment before fully entering real estate
  • The asset's highest and best use
  • About the book The Action Taker's Real Estate Investing Planner
  • If you plan well, you achieve well!
  • How not to scale any business
  • And much more!

About Quentin D'Souza:
Quentin D'Souza is a multiple award-winning Real Estate Investor and a trusted authority on real estate investing. He is an Ontario Certified Teacher and holds two university degrees, which includes a Master's in Education. Quentin has appeared on local and national television and radio, interviewed in national publications, and has been a keynote speaker to large audiences of real estate investors.

Quentin's company, Appleridge Homes, uses the Buy, Fix, Refinance, and Rent strategy on long-term rental properties in Ontario, Canada, as well as with joint venture partnerships to create win/win relationships on Apartment Building purchases. Quentin owns a real estate portfolio above 80 million dollars of assets under management across Canada and the US and has transacted on 80+ properties since 2004.

Quentin is the author of "The Property Management Toolbox: A How-To Guide for Ontario Real Estate Investors and Landlords," "The Filling Vacancies Toolbox: A Step-By-Step Guide for Ontario Real Estate Investors and Landlords for Renting Out Residential Real Estate," "The Ultimate Wealth Strategy: Your Complete Guide to Buying, Fixing, Refinancing, and Renting Real Estate" and "The Action Taker's Real Estate Investing Planner."

Find Quentin D’Souza on:

Website: https://www.getrealwealthy.com/
LinkedIn: https://www.linkedin.com/in/quentindsouza/
Instagram: https://www.instagram.com/qmanrei/
Twitter: https://twitter.com/qmanrei
YouTube: https://www.youtube.com/c/GetRealWealthy

Order your copy of The Action Taker's Real Estate Investing Planner, Book by Quentin D'Souza:
https://amzn.to/3AKY8Ci

Average Joe Finances®

Our social media links can be found here: https://flow.page/avgjoefinances
Check out: https://averagejoefinances.com
Balance Your Portfolio with Passiv: https://averagejoefinances.com/passiv
Buying or Selling a House? https://averagejoefinances.com/realtor
Interested in getting your real estate license? https://averagejoefinances.com/prepagent
Use the same Audio/Video Editing Team that I use: https://editpods.com
Host your own Podcast here: https://averagejoefinances.com/buzzsprout
Social Media Management Tool: https://averagejoefinances.com/social-media
Podcast Book I'm Published in: https://averagejoefinances.com/daniel-larson

Free Stocks:

  • Robinhood: https://averagejoefinances.com/robinhood
  • Webull: https://averagejoefinances.com/webull

Consolidate debt: https://averagejoefinances.com/sofi-loans/
Get Life Insurance: https://averagejoefinances.com/ladder
Average Joe Finances Swag: averagejoefinances.com/resources/shop
DISCLAIMER https://averagejoefinances.com/disclaimer
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Join Mike Cavaggioni and Tawnya Schultz as they discuss The Money Life Coach, Tawnya’s way of giving back to the community, especially for women, teaching them how to utilize their finances better towards financial freedom. Tawnya’s online platform did not come to fruition overnight. She shares that since she was a kid, she’s always been conscious about making money, which was further inspired by her environment and was later on realized after moving in with her boyfriend and felt trapped financially from her personal standpoint. Tawnya worked towards her own financial stability and paid off thousands of dollars in debt in just 8 months, and she shares more about her journey and her platform in this episode so stay tuned!

In this episode, you’ll learn:

  • How Tawnya started The Money Life Coach
  • How to not be held back by debt and financial dependence
  • Financial freedom allows you to spend without guilt
  • Why education is just as important as budgeting
  • Why you should not accept the norm of having debt as it is
  • And many more!

About Tawnya Schultz:Tawnya Shultz was 35 years old when she realized that she was financially vulnerable. $28,000 in debt with 0 savings and 19k in a retirement account. Used to make around $40,000 annually with her part-time work and being a freelance writer. Feeling trapped, she started listening to podcasts and reading books about budgeting, saving, and paying off debt and it all worked for her in a matter of 8 months!

Now, she shares all her learnings, tips, and tricks on her online platform, The Money Life Coach and on her TikTok and Instagram as well, supporting women. Found her true calling, the motivation to help others feel free too. To empower them and shift their money beliefs and to get free from debts that may be holding her audience back, providing the best information and tools possible, lend encouragement, and inject hope.

Find Tawnya on:

  • Website: www.themoneylifecoach.com
  • Tiktok: https://www.tiktok.com/@tawnyaschultz
  • Instagram: https://www.instagram.com/tawnyaschultz/

Average Joe Finances®
Our social media links can be found here: https://flow.page/avgjoefinances
Check out: https://averagejoefinances.com
Balance Your Portfolio with Passiv: https://averagejoefinances.com/passiv
Buying or Selling a House? https://averagejoefinances.com/realtor
Interested in getting your real estate license? https://averagejoefinances.com/prepagent
Use the same Audio/Video Editing Team that I use: https://editpods.com
Host your own Podcast here: https://averagejoefinances.com/buzzsprout
Social Media Management Tool: https://averagejoefinances.com/social-media
Podcast Book I'm Published in: https://averagejoefinances.com/daniel-larson

Free Stocks:

  • Robinhood: https://averagejoefinances.com/robinhood
  • Webull: https://averagejoefinances.com/webull

Consolidate debt: https://averagejoefinances.com/sofi-loans/
Get Life Insurance: https://averagejoefinances.com/ladder
Average Joe Finances Swag: averagejoefinances.com/resources/shop
DISCLAIMER https://averagejoefinances.com/disclaimer
If you are interested in writing for Average Joe Finances or joining us for an interview on the podcast, please visit https://averagejoefinances.com/contact

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Join Mike Cavaggioni with his guest, Sarah St. John, on the 76th episode of the Average Joe Finances Podcast as they talk about how to build a business through podcasting. Sarah has created several startups in her decade-long career as an entrepreneur. Nowadays, she manages the podcast production agency, PodSeam, and hosts the Frugalpreneur Podcast. Today, Sarah breaks down the different ways to make money online, detailing all the must-haves for your online business.

In this episode, you’ll learn:

  • The value of startups and trying out different businesses to see what works for you.
  • How podcasting can help you build connections with like-minded entrepreneurs.
  • The power of self-education when starting a business with almost no capital.
  • Why having your own website is essential when managing an online business.
  • How it is never too late to get into podcasting and what you need to get started.
  • And much more!

About Sarah St. John:

Sarah St. John is an entrepreneur, podcaster, online course creator, and author. She has created several startups throughout her entrepreneurial career of over a decade. Through her books, blog, and podcast, her goal is to show people how to launch and manage an online business on a budget.

Sarah is currently the owner of a podcast production agency called PodSeam. Not only that but, she is also the host of the Frugalprenuer Podcast, helping people launch and manage an online business on a bootstrapped budget. Many of the tools she discusses in detail are ones she uses for her own businesses, and the majority are either free or inexpensive. She aims to show people how they too can reserve most of their business budget for marketing and advertising.

Find Sarah St. John:
Website: www.thesarahstjohn.com
Facebook: https://www.facebook.com/thesarahstjohn
Twitter: https://twitter.com/thesarahstjohn
Instagram: https://www.instagram.com/thesarahstjohn/
LinkedIn: https://www.linkedin.com/in/sarah-stjohn/

Average Joe Finances®
Our social media links can be found here: https://flow.page/avgjoefinances
Check out: https://averagejoefinances.com
Balance Your Portfolio with Passiv: https://averagejoefinances.com/passiv
Buying or Selling a House? https://averagejoefinances.com/realtor
Interested in getting your real estate license? https://averagejoefinances.com/prepagent
Use the same Audio/Video Editing Team that I use: https://editpods.com
Host your own Podcast here: https://averagejoefinances.com/buzzsprout
Social Media Management Tool: https://averagejoefinances.com/social-media
Podcast Book I'm Published in: https://averagejoefinances.com/daniel-larson

Free Stocks:

  • Robinhood: https://averagejoefinances.com/robinhood
  • Webull: https://averagejoefinances.com/webull

Consolidate debt: https://averagejoefinances.com/sofi-loans/
Get Life Insurance: https://averagejoefinances.com/ladder
Average Joe Finances Swag: averagejoefinances.com/resources/shop
DISCLAIMER https://averagejoefinances.com/disclaimer
If you are interested in writing for Average Joe Finances or joining us for an interview on the podcast, please visit https://averagejoefinances.com/contact


Tropical Sensation by Mike Leite soundcloud.com/mikeleite Creative Commons — Attribution 3.0 Unported — CC BY 3.0 Free Download / Stream: https://bit.ly/-tropical-sensation

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Join Mike Cavaggioni and Michael Gilmore as they discuss how the $7 Millionaire came to be. It was actually a sentimental back story with Michael’s daughter asking him how much does she need to save every day to become a millionaire in her lifetime and Michael being as intrigued as his daughter on what seemed to be just a random question started doing his calculations and the rest is history. In this episode, Michael shares more about how financial freedom is not easily achieved nevertheless very much achievable and it all starts with financial literacy.

In this episode, you’ll learn:

  • What is the Importance of financial literacy
  • How to break societal molds with financial knowledge
  • Why financial inclusion requires financial education
  • Who has access to financial education
  • What are the risks of investing and how to be comfortable with them
  • And many more!

About Michael Gilmore:

Worked in finance for more than 20 years selling billion-dollar deals, and managing the assets of some of the world's smartest investors. Had experience working as a freelance journalist which got him into working as an analyst. Michael went to study external resources in preparation for his task as an analyst which changed his mindset over a weekend and that changed his life. Now he’s helping change the lives of other people through the $7 Millionaire.

Find Michael on:

  • Website: www.sevendollarmillionaire.com
  • Twitter: https://twitter.com/7Millionaire1

Grab a copy of his book here: https://amzn.to/3reji8J

Average Joe Finances®
Our social media links can be found here: https://flow.page/avgjoefinances
Check out: https://averagejoefinances.com
Balance Your Portfolio with Passiv: https://averagejoefinances.com/passiv
Buying or Selling a House? https://averagejoefinances.com/realtor
Interested in getting your real estate license? https://averagejoefinances.com/prepagent
Use the same Audio/Video Editing Team that I use: https://editpods.com
Host your own Podcast here: https://averagejoefinances.com/buzzsprout
Social Media Management Tool: https://averagejoefinances.com/social-media
Podcast Book I'm Published in: https://averagejoefinances.com/daniel-larson

Free Stocks:

  • Robinhood: https://averagejoefinances.com/robinhood
  • Webull: https://averagejoefinances.com/webull

Consolidate debt: https://averagejoefinances.com/sofi-loans/
Get Life Insurance: https://averagejoefinances.com/ladder
Average Joe Finances Swag: averagejoefinances.com/resources/shop

DISCLAIMER https://averagejoefinances.com/disclaimer
If you are interested in writing for Average Joe Finances or joining us for an interview on the podcast, please visit https://averagejoefinances.com/contact


Tropical Sensation by Mike Leite soundcloud.com/mikeleite Creative Commons — Attribution 3.0 Unported — CC BY 3.0 Free Download / Stream: https://bit.ly/-tropical-sensation

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Join Mike Cavaggioni and Dustin Heiner as they discuss how to be successfully unemployed! Ironic as it may sound, Dustin doesn’t mean for someone not to have a hustle but quite the opposite. His story is to inspire someone and even give tips on where and how to start. Dustin shares that his drive to not work while being able to support his family to live a comfortable life is when he was at his lowest point when he got laid off from his job. He used this point to find opportunities for himself and now is also teaching other people to be able to do it themselves and the goal is not only to be financially rich but to have the luxury of free time while earning.

In this episode, you’ll learn:

  • How to start investing in real estate
  • How the system is more of teamwork than a competition
  • Rich not only financially but also to be physically healthy, having quality family time
  • How to earn money without having to work 8 hours a day or more
  • How it’s the passion and drive to pursue things fuels what you will become
  • And many more!

About Dustin Heiner:

Founder and host of Successfully Unemployed, a Blog and Podcast about investing, entrepreneurship, and building own dream life. He desires to help you succeed in never working a job again. Successfully Unemployed is committed to helping a business journey by sharing insights into how to be successful in creating businesses to never work a job again.

At Successfully Unemployed, they value the story of each business owner and do not hide away from failures but share them openly. They do this because [the audience] will be able to learn from [their] mistakes and save you valuable time & money.

Another part of our story we share is how we started in the business of investing in real estate rental properties. Each person has a unique and inspiring story to help others either start investing or fuel the fire for the passion for the business they love.

Find Dustin on:Website: www.masterpassiveincome.com
Podcast: www.successfullyunemployed.co
Instagram: www.instagram.com/thedustinheiner

Average Joe Finances®
- Our social media links can be found here: https://flow.page/avgjoefinances
- Check out: https://averagejoefinances.com
- Balance Your Portfolio with Passiv: https://averagejoefinances.com/passiv
- Buying or Selling a House? https://averagejoefinances.com/realtor
- Interested in getting your real estate license? https://averagejoefinances.com/prepagent
- Use the same Audio/Video Editing Team that I use: https://editpods.com
- Host your own Podcast here: https://averagejoefinances.com/buzzsprout
- Social Media Management Tool: https://averagejoefinances.com/social-media
- Podcast Book I'm Published in: https://averagejoefinances.com/daniel-larson

Free Stocks:

  • Robinhood: https://averagejoefinances.com/robinhood
  • Webull: https://averagejoefinances.com/webull

  • Consolidate debt: https://averagejoefinances.com/sofi-loans/

  • Get Life Insurance: https://averagejoefinances.com/ladder
  • Average Joe Finances Swag: averagejoefinances.com/resources/shop
    DISCLAIMER https://averagejoefinances.com/disclaimer

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Join Mike Cavaggioni with his guest, Nathan Bynum, on the 73rd episode of the Average Joe Finances® Podcast. Today, they discuss building the habits you need to achieve your goals and succeed in life. Nathan is a web developer, a best-selling author, and a certified goal-success coach. He teaches entrepreneurs how to achieve their business goals through finding the intersection of their passion and profits and, in turn, attracting their ideal clients. Today, Nathan shares his experiences, from learning how to create a website from scratch, traveling the world to meet countless extraordinary people, and eventually, writing a book all about it.

In this episode, you’ll learn:

  • The value of finding your niche and nailing that down when starting a business.
  • What the benefits are of using WordPress as opposed to other website builders.
  • How goal setting can increase your productivity to achieve maximum success in life.
  • Why learning from pioneers can help you find what works best for your line of work.
  • The importance of providing value to attract your ideal clients and expand your business.
  • And much more!

About Nathan Bynum:

Traveling the world and living in many countries blessed Nathan with the opportunity to befriend several successful people from all walks of life. As a result, he has learned priceless lessons not skewed by a singular view of the world from these remarkable people. Now, Nathan shares these experiences with his readers through his website lemonlaunch.com and his book Goal Setting: Habits to Achieve Your Goals and Succeed in the Life You Want.

Find Nathan Bynum:

Website: http://lemonlaunch.com/

LinkedIn: https://www.linkedin.com/in/nathan-bynum-author-web-developer/

Goal Setting (Book): https://www.amazon.com/dp/B08M7J3V2D

Average Joe Finances®

  • Our social media links can be found here: https://flow.page/avgjoefinances

  • Check out: https://averagejoefinances.com

  • Balance Your Portfolio with Passiv: https://averagejoefinances.com/passiv

  • Buying or Selling a House? https://averagejoefinances.com/realtor

  • Interested in getting your real estate license? https://averagejoefinances.com/prepagent

  • Use the same Audio/Video Editing Team that I use: https://editpods.com

  • Host your own Podcast here: https://averagejoefinances.com/buzzsprout

  • Social Media Management Tool: https://averagejoefinances.com/social-media

  • Podcast Book I'm Published in: https://averagejoefinances.com/daniel-larson

Free Stocks:

  • Robinhood: https://averagejoefinances.com/robinhood
  • Webull: https://averagejoefinances.com/webull

  • Consolidate debt: https://averagejoefinances.com/sofi-loans/

  • Get Life Insurance: https://averagejoefinances.com/ladder

  • Average Joe Finances Swag: averagejoefinances.com/resources/shop

DISCLAIMER https://averagejoefinances.com/disclaimer

If you are interested in writing for Average Joe Finances or joining us for an interview on the podcast, please visit https://averagejoefinances.com/contact


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Join Mike Cavaggioni and Chris Mamula on the 72nd episode of the Average Joe Finances® Podcast as they talk about DIY investing, wealth building, early retirement, and financial independence through financial planning. Chris retired from his professional career as a physical therapist at the age of 41 and started educating himself about investing and tax planning. From experience, Chris shares his tips and tricks on how you can build your own blueprint to financial independence.

In this episode, you’ll learn:

  • Financially planning after college and before having a family
  • Understanding your expenses
  • The three-investing path (Simple path, hybrid path, and active path)
  • Managing risk and facing challenges
  • Tips in investing
  • And much more!

About Chris Mamula:

Chris Mamula is from Western Pennsylvania near Pittsburgh. He worked in the US healthcare system for 3 years and became a physical therapist in 2001. After spinning wheels and not knowing what to do, it took him about 10 years of struggle of knowing what he wanted to do before he stumbled into what is now pretty well known as “fire financial independence,” retiring early. That is when he started reading blogs and saw many people with similar stories as himself. After getting the inspiration and courage, he then started writing his own blog and ended up retiring at the age of 41.

Chris Mamula commonly writes about financial independence and talks about what retirement is and can be at www.caniretireyet.com. His articles have been featured on MarketWatch. Morningstar US News and World Report and Business Insider. He is also the primary author of the book Choose FI. His mission is to continue to spread the life-changing message of financial independence to a broader audience.

Find Chris Mamula on:

  • Website: https://www.caniretireyet.com/
  • Twitter: https://twitter.com/caniretire_yet
  • Choose FI book: https://averagejoefinances.com/choose-fi

Average Joe Finances®
- Our social media links can be found here: https://flow.page/avgjoefinances
- Check out: https://averagejoefinances.com
- Balance Your Portfolio with Passiv: https://averagejoefinances.com/passiv
- Buying or Selling a House? https://averagejoefinances.com/realtor
- Interested in getting your real estate license? https://averagejoefinances.com/prepagent
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Join Mike Cavaggioni with Dan Sheeks on the 71st episode of the Average Joe Finances Podcast to discuss achieving early financial independence in their early 20s. Dan is the founder of SheeksFreaks, an online community dedicated to helping young people learn money management skills, real estate investing, and early financial independence. He shares how he helps teens learn financial literacy. He is also a BiggerPockets author!

In this episode, you’ll learn:

  • A passionate high school teacher helping teens get educated in terms of finances
  • Why someone with a mentality of reaching financial independence is a “freak”
  • Job traps that most people, typically young, get caught in
  • What the FIRE movement is all about, and who is it for
  • The Happiness Curve and how it affects one’s financial independence journey
  • And much more!

About Dan Sheeks:

Dan is a high school Business/Marketing teacher, real estate investor, and personal finance advocate in Denver, Colorado. He and his wife have a variety of real estate investments, including multifamily, single-family, Airbnb, and out-of-state BRRRRs (buy, rehab, rent, refinance, repeat).

Dan launched SheeksFreaks in late 2019, an online community dedicated to helping young people learn money management skills, start investing in real estate, and pursue early financial independence. The SheeksFreaks community aims to help those between 15- and 25-years old use specific methods of saving, earning extra income, and investing to set them on a track to purchase real estate investment properties in their early 20s and achieve financial independence at a young age.

Find Dan Sheeks on:

  • Website: https://www.sheeksfreaks.com/
  • Instagram: https://www.instagram.com/sheeksfreaks/
  • Personal Instagram: https://www.instagram.com/dsheeks/
  • LinkedIn: https://www.linkedin.com/in/dan-sheeks-0ab489106/
  • YouTube: https://www.youtube.com/channel/UC-zSyE5oX0L_npo00xDCsYw
  • Bigger Pockets Book Link https://biggerpockets.com/teen
  • 7-Day free trial mentioned in the show: https://averagejoefinances.com/sheeksfreaks/ (Use code: "averagejoe" all lower case)
  • Dan's email: dan@sheeksfreaks.com
  • Get the book: https://amzn.to/3IO8tAb

Average Joe Finances®
Our social media links can be found here: https://flow.page/avgjoefinances
Check out: https://averagejoefinances.com
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Join Mike Cavaggioni with his guest, Savannah Arroyo, on the 70th episode of the Average Joe Finances Podcast. Today, they discuss the similarities between working in the healthcare system and syndicating real estate investments. Savannah is a full-time registered nurse, managing multiple departments at a busy, Magnet-recognized hospital. But she is also a real estate investor, focusing on value-add multifamily syndications. Today, Savannah shares her journey, from finding herself in various leadership positions in hospitals to working with the highest level of real estate professionals.

In this episode, you’ll learn:

● The value of building multiple income streams to offset our W2S and retire sooner.

● How multifamily allows investors to pool their resources to get the best deals together.

● The advantage of working in leadership roles when getting into real estate syndication.

● Why we should continually educate ourselves before making any form of investment.

● The importance of building a team and putting systems in place before taking on deals.

● And much more!

About Savannah Arroyo:

When she started working as a registered nurse, Savannah Arroyo naturally found herself in leadership positions. She served on committees, helped lead process improvement initiatives, and solved countless critical situations. And shortly after, Savannah went back to school to receive her Masters of Science in Nursing Leadership and Administration. And since then, Savannah has led clinical services in various settings.

Working as a registered nurse has taught her to thrive in a fast-paced, interdisciplinary team of medical professionals. In addition, Savannah has had the privilege of working with unforgettable patients, brilliant physicians, and caretakers that will forever hold a place in her heart. And so, she was immediately drawn to multifamily syndications due to the many similarities to her career in nursing.

Syndicating a real estate investment requires excellent attention to detail, the ability to problem-solve, and the highest level of communication. Hence, Savannah becomes energized in situations like these as overcoming challenges brings her so much fulfillment. Nowadays, she works under the Willow Investment Group, which seeks out investment opportunities that provide the most optimal returns for its investors.

Find Savannah Arroyo:

Website: www.thenetworthnurse.com

Linktr.ee: https://linktr.ee/thenetworthnurse

Average Joe Finances®

  • Our social media links can be found here: https://flow.page/avgjoefinances

  • Check out: https://averagejoefinances.com

  • Balance Your Portfolio with Passiv: https://averagejoefinances.com/passiv

  • Buying or Selling a House? https://averagejoefinances.com/realtor

  • Interested in getting your real estate license? https://averagejoefinances.com/prepagent

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  • Host your own Podcast here: https://averagejoefinances.com/buzzsprout

  • Social Media Management Tool: https://averagejoefinances.com/social-media

Free Stocks:

· Robinhood: https://averagejoefinances.com/robinhood

· Webull: https://averagejoefinances.com/webull

  • Consolidate debt: https://averagejoefinances.com/sofi-loans/

  • Get Life Insurance: https://averagejoefinances.com/ladder

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Join Mike Cavaggioni with his guests, Carrie Bohlig and Craig Clickner, on the 69th episode of the Average Joe Finances Podcast as they talk about venturing into the world of side-hustling. Carrie and Craig met as singles while building their businesses. Living a modest life, Carrie began her business while studying sociology and Women's Studies. Meanwhile, Craig first considered creating his own business while working as a banking risk analyst in 2003. And while their paths to entrepreneurship were different, the two bonded over side-hustling, building each other up and creating the life they wanted together as a family. Today, Carrie and Craig share their experiences to inspire people worldwide to do the same.

In this episode, you’ll learn:

● The value of building good relationships with business owners in affiliate marketing.

● How much of our success results from the people and media we associate with.

● The advantage of honing your communications skills to better connect with people.

● How to grow ourselves as products to monetize our knowledge and skills over time.

● Why vetting our referrals is vital in maintaining our credibility as an affiliate marketer.

● And much more!

About Carrie Bohlig and Craig Clickner:

Carrie Bohlig and Crag Clickner are a Midwestern husband and wife duo who wanted to build an exceptional life and create the autonomy they desired. And so, they knew they had to do more than the mainstream “go to school and get a good job” adage. But, like many, Carrie and Craig were not hardcore enough to quit their jobs and gut out a startup, so instead, they ventured into the world of moderate entrepreneurship, also known as “side hustling.”

The willingness to embrace the side hustling adventure has revolutionized the way they live, allowing them to step away from their traditional careers, becoming full-time parents and entrepreneurs. Having helped others acquire similar results, they now have the privilege of speaking to thousands annually. The couple also shares their foundational success concepts such as implementing the proper “Life set,” elevating the right WHO, and developing a Life Vision in their book, So You Want To Start A Side Hustle.

Unfortunately, Carrie and Craig see too many people starting side hustles but very few who know how to finish them. As such, they look forward to being a resource to support your journey to diversify not only your income but also your skills sets, and most importantly, elevate your quality of life.

Find Carrie Bohlig and Craig Clickner on:

Website: http://tandemconsulting.co/

Carrie’s LinkedIn: https://www.linkedin.com/in/carriebohlig/

Craig’s LinkedIn: https://www.linkedin.com/in/craig-clickner/

Instagram: https://www.instagram.com/tandem.consulting/

Linktr.ee: https://linktr.ee/tandemconsulting

Average Joe Finances™

Our social media links can be found here: https://flow.page/avgjoefinances

Check out: https://averagejoefinances.com

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Join Mike Cavaggioni and David Torrence on the 68th episode of the Average Joe Finances Podcast as they talk about how you can invest towards financial independence in 20 minutes. David is the CEO of Throne CG and the founder of KP Cares Foundation Inc. Throne CG is an investment consulting firm, while KP Cares is a non-profit geared towards assisting under-resourced communities, bridging the wealth gap. As an investor and philanthropist, David’s mission is to serve and be of service to his community. So today, he continues to show minorities how to gain financial freedom by investing in the stock market.

In this episode, you’ll learn:

● The power of investing and how to know what type of investments work for you.

● Why educating yourself is essential before investing your money in any asset class.

● The difference between having the right skills for trading and having the discipline for it.

● Ways to better utilize your capital to build and scale a profitable business.

● How to beat inflation by investing your cash where you can instead of always holding it.

● And much more!

About David Torrence:

David Torrence, also known as King David, is a first-generation college graduate from the University of Central Florida, where he received his bachelor’s degree in Kinesiology. Additionally, he earned a master’s degree in Sports Management at Liberty University. And so, it is no surprise that his career started in sports.

For a while, David worked as the Director of Strength and Performance at Westminster Academy, training athletes while playing for the Miami Heat. But even then, he knew that being in the sports industry would not be enough for him to have the lifestyle he wanted, given the time you need to dedicate to the field.

Hence, David took up investing and even got his cousin, a financial analyst, to mentor him. And it was not long since then that he achieved financial freedom through investing in the stock market. Now retired at a young age, David gives back to his community by sharing his experience with the stock market so that they too can gain financial independence.

Find David Torrence on:

Throne CG: www.thronecg.net

KP Cares: www.kpsystem.org

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

Twitter: https://twitter.com/davidmtorrence

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

Average Joe Finances™

Our social media links can be found here: https://flow.page/avgjoefinances

Check out: https://averagejoefinances.com

Balance Your Portfolio with Passiv: https://averagejoefinances.com/passiv

Buying or Selling a House? https://averagejoefinances.com/realtor

Interested in getting your real estate license? https://averagejoefinances.com/prepagent

Use the same Audio/Video Editing Team that I use: https://editpods.com

Host your own Podcast here: https://averagejoefinances.com/buzzsprout

Social Media Management Tool: https://averagejoefinances.com/social-media

Free Stocks:

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Consolidate debt: https://averagejoefinances.com/sofi-loans/

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Join Mike Cavaggioni with Rob Schulz on the 67th episode of the Average Joe Finances Podcast as they talk about what financial planning achieves, why you should have a line of credit prepared anytime, how short-term biases affect our finances today, and so much more. After they share the schemes that fit folks who are averse to investing, Rob speaks about the asset classes he invests in and explains why it's vital not to put all your eggs in one basket, plus the tips he can impart to investors who are just getting into the space.

In this episode, you'll learn:

● Rob Schulz – on what short term bias is and how it affects us

● Why "no-debt" is also no sense

To make money on money, you have to take risks!

● What happens in financial planning?

● What asset classes does Rob Schulz invest in?

● And much more!

About Rob Schulz:

Rob Schulz is the founder and President of Schulz Wealth. He grew up in a small, Central Texas town and attended The University of Texas. Rob spends a lot of his time writing on financial planning and investment topics. The best way to get to know him is to read the blog posts on his website. In 2020, Rob finished his first book entitled "Thoughts on Things Financial: Your Guide to a Chaotic Money World."

Over a 25 year career, Rob has attained many awards and accolades. Most recently, he has been recognized by his peers and publicly as "2019 Five Star Wealth Manager" as well as a "2019 Investopedia Top 100 Investment Advisor in the Country." He has also taught Retirement Planning for the Certified Financial Planning Certificate Program at Texas Christian University and The University of Texas at Arlington.

Find Rob Schulz on:

Website: https://schulzwealth.com

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

Twitter: https://twitter.com/robschulztx

Facebook: https://www.facebook.com/groups/thoughtsonthingsfinancial

Order your copy of Thoughts on Things Financial: Your Guide To A Chaotic Money World, Book by Rob Schulz:

https://www.schulzwealth.com/book/

Average Joe Finances™:

Our social media links can be found here: flow.page/avgjoefinances

🌐 Check out: averagejoefinances.com

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Join Mike Cavaggioni with Chad Wittfeldt on the 66th episode of the Average Joe Finances Podcast to discuss flipping, cryptocurrency mining, and real estate investing. Chad started his journey as an entrepreneur early, flipping anything he got his hands on, then began trading stocks and currencies in his teens and later became very focused on passive income creation. He currently focuses on two real estate businesses and cryptocurrency mining. Today, Chad shares the trials and tribulations he pushed through to get to where he is now.

In this episode, you’ll learn:

• Chad’s exposure to the rich that got him started into flipping cars and motorcycles

• An expensive lesson taken and learned from a failed business

• The catalyst that drove Chad to invest in real estate and the relationships built around it

• What is being done when mining, staking, and mining cryptocurrency

• Attraction-based marketing and automation to build credibility, authority, and platform

• And much more!

About Chad Wittfeldt:

Chad is an entrepreneur and a real estate investor. He started his entrepreneurial journey at a very young age. He quickly got started investing in equities and currency markets in his teens and later moved into real estate investments. While real estate has always been his interest, he didn’t know how to get into the market at the time effectively. So he put his skill set to use and has since syndicated over $30,000,000 in apartments.

This growth later spawned his marketing agency, where he serves other entrepreneurs by building their attraction-based marketing systems and automation. Today, Chad stays focused on his businesses, creating cash flow, and living a life they told him he couldn’t have.

Find Chad Wittfeldt on:

Website: www.chadwittfeldt.com

Facebook: https://www.facebook.com/chad.wittfeldt

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

Average Joe Finances:

Our social media links can be found here: flow.page/avgjoefinances

🌐 Check out: averagejoefinances.com

⚖️ Balance Your Portfolio with Passiv: averagejoefinances.com/passiv

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Join Mike Cavaggioni and Al Jones on the 65th episode of the Average Joe Finances Podcast as they talk about what financial decisions you can make to achieve a perfect credit score. Al is a personal finance author and a game developer in Phoenix, Arizona. After years of making poor financial decisions, thinking it was the norm, he decided to turn things around by learning finance, specifically credit repair. Today, Al shares his experiences, from barely living on a low credit rating to raising his FICO score to a perfect 850.

In this episode, you’ll learn:

● What to look forward to when reading My Journey from Bad to Excellent Credit.

● How society’s perception of financial literacy has changed over the years.

● The power of “failure” and why we should always see it as a learning experience.

● How the evolution of technology continues to change the game in financing.

● The value of working with bill collectors and generating credit reports.

● And much more!

About Al Jones:

Al Jones is a native son of Phoenix, Arizona, and a 1984 graduate of Maryvale High School. And for a while, he also served in the United States army. After being honorably discharged from the US Army, Al moved back to his hometown and began creating user-friendly games for mobile devices, live shows, playing cards, and more.

Al also wrote a book called My Journey from Bad to Excellent Credit, where he discusses financial mistakes and a case of identity theft that tanked his score, leading him to many other issues. At the time, he knew something had to change, so he started educating himself about credit repair. As a result, his FICO score was raised from an eight credit rating to a perfect score of 850.

Find Al Jones on:

Website: http://www.lyricsguru.mobi/

LinkedIn: https://www.linkedin.com/in/al-jones-45b4b05/

Twitter: https://twitter.com/LyricsGuruApp

My Journey from Bad to Excellent Credit (Book): https://www.amazon.com/dp/0977460150

Average Joe Finances:

Our social media links can be found here: flow.page/avgjoefinances

🌐 Check out: averagejoefinances.com

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Join Mike Cavaggioni and Calvin Blankenship on the 64th episode of the Average Joe Finances Podcast as they talk about setting goals as a new real estate investor. Calvin is an active duty corpsman in the United States Navy who always had an entrepreneurial mindset. However, after trying his hand in network marketing, he ultimately realized his goal to replace his military income with passive and active real estate income as fast as possible. Today, Calvin shares some of his plans to achieve financial freedom in less than three years before scaling to create his own syndication company.

In this episode, you’ll learn:

● The value of being frugal until you find the right vehicle to invest your savings in.

● How the economy of scale in commercial real estate can help skyrocket your earnings.

● What makes real estate a great wealth-building vehicle despite being a long game.

● Which systems to start with when getting into real estate and where to go from there.

● The importance of setting goals before investing in any wealth-building assets.

● And much more!

About Calvin Blankenship:

At the age of 16, Calvin Blankenship got involved with a direct sales company, heading the advice of mentors and friends in the same field. And so, for a while, he tried his hand at network marketing, which only proved to be an inefficient way to make passive income. But eventually, Calvin found real estate as the perfect vehicle for him to create a life of financial independence, a goal he has set his eyes on ever since.

Then again, he needed to find a way to make enough money to achieve his life goal sooner than later. And so, Calvin joined the United States Navy years later. After all, what better way to earn a stable income than to serve his own country. Nowadays, Calvin serves active duty as a Navy corpsman while taking planned steps toward scaling and starting his own company.

Find Calvin Blankenship on:

Facebook: https://www.facebook.com/calvin.blankenship.3

LinkedIn: https://www.linkedin.com/in/calvin-blankenship-b98722217/

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

Average Joe Finances:

Our social media links can be found here: flow.page/avgjoefinances

🌐 Check out: averagejoefinances.com

⚖️ Balance Your Portfolio with Passiv: averagejoefinances.com/passiv

🏡 Buying or Selling a House? averagejoefinances.com/realtor

🏘 Interested in getting your real estate license? averagejoefinances.com/prepagent

🎥 Use the same Audio/Video Editing Team that I use: editpods.com

📢 Host your own Podcast here: averagejoefinances.com/buzzsprout

📋 Social Media Management Tool: averagejoefinances.com/social-media

💰 Free Stocks:

· Robinhood: averagejoefinances.com/robinhood

· Webull: averagejoefinances.com/webull

📋 Consolidate debt: averagejoefinances.com/sofi-loans/

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Join Mike Cavaggioni and Michael Lush on the 63rd episode of the Average Joe Finances Podcast as they talk about replacing mortgage with HELOC to start saving thousands of dollars in interest. Michael is the founder and CEO of Lush Enterprises, educating consumers on more efficient ways to purchase or refinance their homes. He used to be a mortgage loan officer who always did what he believed was best for his clients. But after learning that he could do more for them from a wealthy mentor, he made it his mission to share a particular HELOC hack with more people.

In this episode, you’ll learn:

  • How to use a Home Equity Line of Credit to pay off your home efficiently.
  • The history of mortgages and the value of velocity banking in allowing more loans.
  • Why going back to basics is essential when financing real estate more effectively.
  • How else can HELOC help make your money work for you instead of you working for it.
  • Why you should master your finances first before looking into any cash-flow options.
  • And much more!

About Michael Lush:

Michael Lush is a proud father and husband where his priorities are his faith, family, freedom, and finances. His goal is to enrich the lives of all those he comes in contact with, helping them achieve their lofty goals. After all, Michael believes that life is meant to be lived abundantly in all areas, strongly emphasizing efficiency and prioritization.

Michael believes the mortgage industry can be one of the most excellent tools to achieve financial success when done correctly and ethically. Hence, he makes it a mission to educate consumers, bankers, and loan officers on the pitfalls of traditional mortgage lending versus the proper use of a Home Equity Line of Credit.

Find Michael Lush on:

  1. Website: https://replaceyourmortgage.com/
  2. LinkedIn: https://www.linkedin.com/in/michael-lush-a1091b9/
  3. YouTube: https://bit.ly/3xupDNz

Average Joe Finances:

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Join Mike Cavaggioni and Dave Foster on the 62nd episode of the Average Joe Finances Podcast as they talk about how 1031 exchanges can help you achieve financial freedom. Dave is the founder and CEO of Ironwood Solutions. The multi-industry company focuses on value addition through systemic process improvement, balancing capital maximization, and wealth preservation. They also provide project-specific solutions for various profit and non-profit institutions. Today, Dave shares his experiences, from teaching tax deferment strategies for real estate to managing a nationwide intermediary firm.

In this episode, you’ll learn:

  • How to utilize 1031 exchanges in converting tax deferrals into tax-free assets.
  • The six requirements you need to meet before doing a 1031 exchange.
  • The benefits of a 1031 exchange when transitioning from active investing to passive.
  • What common issues do people often run into when performing a 1031 exchange?
  • Why risk mitigation strategies are essential in managing cash-flowing properties?
  • And much more!

About Dave Foster:

With 20 years of real estate investing, Dave Foster has helped thousands of investors keep their equity working for them and legally avoid paying taxes with 1031 Exchanges and other tax strategies. In addition, through a combination of 1031 Exchanges and Section 121 exemptions, Dave achieved his dream of living aboard a sailboat with my young family.

He also provides strategy, consulting, and 1031 Exchange Qualified Intermediary services, helping investors worldwide with powerful tools to build their US portfolio, defer all taxes and comply with IRS requirements. These powerful tax strategies even allowed him to pull out profit and purchase their 53’ ketch for cash, as well as build a portfolio that helped cash-flow a decade of adventure.

Find Dave Foster on:

  1. Website: the1031investor.com
  2. Twitter: twitter.com/DaveFoster1031
  3. Facebook: facebook.com/the1031investor
  4. LinkedIn: linkedin.com/in/davefoster1031
  5. Instagram: instagram.com/davefoster1031

Average Joe Finances:
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🌐 Check out: averagejoefinances.com
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Join Mike Cavaggioni and Tristan Pelloux on the 61st episode of the Average Joe Finances Podcast as they talk about various innovations in financial services today. Tristan is the founder and Chief Pencil Officer of FinTech Review, an online media outlet on the FinTech industry. Besides managing and writing for Fintech Review, he serves as a management consultant, helping various companies worldwide shape their business strategies. Today, Tristan shares his journey, from working in financial services to becoming a self-made entrepreneur.

In this episode, you’ll learn:

  • How blogging has changed the game for online journalism and digital marketing.
  • What “FinTech” is and why people should learn more about it as technology evolves.
  • The rise of cryptocurrencies and the importance of diversifying your portfolio.
  • The value of wealth management and the various investment options available today.
  • Why setting long-term financial goals is essential before getting started in investing.
  • And much more!

About Tristan Pelloux:

Tristan Pelloux serves as the director of Strategwhy, an independent management consulting firm for business leaders from various sectors and company sizes. He always had a passion for innovations in financial services around the world. Hence, even before Strategwhy, he worked in Corporate Strategy at Virgin Money UK in London for more than five years.

Additionally, Tristan created Fintech Review, an online media platform on everything Fintech—insights, analysis, news, interviews, and the list goes on. Their mission is to explain basic concepts and analyze significant trends across business, finance, economics, and technology.

Find Tristan Pelloux on:

Website: https://fintechreview.net/

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

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

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

Twitter: https://twitter.com/fintech_review

Average Joe Finances:

Our social media links can be found here: flow.page/avgjoefinances

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Join Mike Cavaggioni with Raymond Riopel on the 60th episode of the Average Joe Finances Podcast as they talk about the role money plays in life, how Raymond defines "financial freedom," the four currencies, and phases of life, and many more. Growing up, Raymond learned that if someone wants to achieve success, one needs to take control of it. After he explains the power of gratitude and words, Raymond shares a story of how his work—traveling around the world mentoring hundreds of students. He shows how over living your passion can be just as bad as not living it at all.

In this episode, you'll learn:
● Raymond Riopel – from $150k in debt to being financially free 9 months later
● The Four Currencies of Life: Money, Time, Fame, and Experience
● The Four Phases of Life: Observation, Pamper, Energy, and Unclutter
● Everything happens for a reason, and that reason is there to serve you.
● You can volunteer for chaos!
● And much more!

About Robert:
Robert Raymond Riopel is the best-selling author and podcast host of Success Left a Clue. He is also the creator of the interactive web platform and app called AmentorA. Throughout the years, Robert has helped thousands of open-minded people to take action, make their dreams a reality, and be seen as an authority in their field. He believes that every person has information and value that they can share with others, but most of the time, they fail because they don't believe in themselves. That is why he made it his mission to be of service to others, helping them with their growth and development. Not just in their business or career but also in their personal lives.

Find Robert Riopel on:
Website: https://robertriopel.com/
LinkedIn: https://www.linkedin.com/in/realtraining
Facebook: https://www.facebook.com/TheRobertRiopel
Instagram: https://www.instagram.com/rrriopel
Twitter: https://twitter.com/RobRox69

Download Raymond Riopel's FREE eBook, Success Left a Clue, here: https://robertriopel.com/book1
Buy it here: https://amzn.to/3gaYA3b

Check out Average Joe Finances:
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🏡 Buying or Selling a House? https://averagejoefinances.com/realtor
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📋 Social Media Management Tool: https://averagejoefinances.com/social-media

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If you are interested in writing for Average Joe Finances or joining us for an interview on the podcast, please email me at 📬mike@averagejoefinances.com


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Join Mike Cavaggioni and Brendan Lee Young on the 59th episode of the Average Joe Finances Podcast as they talk about what DIY investors need to succeed. Brendan is the CEO and co-founder of Passiv, a portfolio management tool designed to help self-directed investors manage and grow their wealth. At Passiv, they believe that our money should work hard for us and not the other way around. And so, Passiv allows investors to easily manage their portfolios by automatically calculating trades and bringing their portfolio back on track with just one click. Today, Brendan shares experience building the software and working with DIY investors on the platform.

In this episode, you’ll learn:

● The benefits of managing your own portfolio as a self-directed investor

● The importance of being “financially woke” before using Passiv to manage your portfolio

● What other premium features Passiv provides under their yearly flat-fee subscription

● Why you should focus your allocations on index funds as opposed to speculative bets.

● How you can get started as a DIY investor with the help of Passiv and their team

● And much more!

About Brendan Lee Young:

Brendan Lee Young is originally from Trinidad and Tobago, a small twin-island in the Caribbean. He migrated to Canada to become an entrepreneur, which stemmed from his passion for financial independence. Brendan worked in the tech industry for a few years to learn how large tech corporations run. And eventually, he co-created Passiv, a portfolio management tool for online brokers, with Brendan Wood.

The idea of Passiv came about soon after Young and Wood met. They discovered they were both disillusioned with the status quo of investing: paying high fees for active management of investment products, with nothing to show for it. Then again, even when they turned to passive investing, the Brendans found there were still tedious aspects to managing their investments.

And so, Young and Wood decided to build a tool to free them from monotonous tasks, a tool that automatically calculates the trades needed to keep a portfolio close to its target allocation. After that, they soon realized that other investors would benefit from this tool, so Passiv was born. Since then, their team has grown, and hundreds of Canadians manage their money with Passiv, saving on management fees and spending less time with Excel.

Find Brendan Lee Young on:

Website: https://passiv.com/

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

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

Twitter: https://twitter.com/brendanleeyoung

Average Joe Finances:

Our social media links can be found here: flow.page/avgjoefinances

🌐 Check out: averagejoefinances.com

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Join Mike Cavaggioni and Will Owens on the 58th episode of the Average Joe Finances Podcast as they talk about how changing your mindset can change the world. Will Owens is the CEO and founder of The Mind Creates. In 2020, he recognized the ability for people to create the life they desired with the power of the mind. And so, through this revelation, Will designed, “The Mind Creates,” to assist people in life coaching, investing, education, business consulting, and problem-solving. After all, they believe that in helping, people have a new mind and way of living, others can experience fulfilment in life and throughout eternity.

In this episode, you’ll learn:

● How most of the world’s systems affect us and why we need to change them

● Why having a love for solving problems is essential when becoming a life coach?

● What the six “fears” are and how recognizing them can help you overcome them

● The value of having an abundance mindset and how money truly impacts our lives

● The importance of disciplined thinking and how the mind creates the circumstances.

● And much more!

About Will Owens:

Will is a millennial that is one of the top creators in the world. In addition to his Engineering degree, Will has earned various business, financial, and spiritual certifications through utilising solid business systems. He has a deep passion for educating others on mindset, spiritual relationships, money, and business.

Will played College and Semi-Pro basketball before turning down his Professional Contracts to play in China to pursue a career in the corporate world. He climbed the corporate ladder for FedEx Ground Headquarters and PepsiCo before resigning and starting his business.

In September of 2015, a life-changing event occurred, where Will had to move from Georgia back to Maryland to assist in raising his younger brothers. This challenging time in his life was due to his mother being diagnosed with Stage 4 Liver Cancer at the age of 44 and eventually passing away ten months later on June 11, 2016.

Will turned the devastating situation of his mother’s passing into a positive opportunity for impact by creating his first company WOW Mentoring, LLC. After properly operating WOW Mentoring, LLC for four years, Owens founded The Mind Creates in 2020 to address new mindset development and opportunity creation needs.

Find Will Owens on:

Website: themindcreates.com

LinkedIn: linkedin.com/in/will-owens-wow

Instagram: instagram.com/will_owens

Facebook: facebook.com/owenswill

Twitter: twitter.com/will_owens

Average Joe Finances:

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· Webull: averagejoefinances.com/webull

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Join Mike Cavaggioni and Brian Dress on the 57th episode of the Average Joe Finances Podcast to discuss long-term investing and what to look out for when working with fiduciaries. A futures trader for nearly 15 years, Brian is an investment advisor and Director of Research at Left Brain Wealth Management. He and his team select individual stocks and bonds to outperform benchmark indexes and use compounding to build wealth in client portfolios. Nowadays, Brian takes on new clients for wealth management and other financial planning services. And so, if you need help reaching your financial goals, feel free to contact him after the episode. In the meantime, make sure to tune in and enjoy the show!

In this episode, you’ll learn:

  • The advantages of long-term investing as opposed to its short-term counterpart
  • What “growth stocks” are and some tenets to keep in mind when investing in them
  • How to manage the risk in growth stocks by finding a trajectory towards profitability
  • The importance of educating yourself before investing and the best way to get started
  • How to differentiate a fiduciary from someone who just wants to sell you a product
  • And much more!

About Brian Dress:

Brian Dress has about 15 years of experience in the investments industry. Before joining Left Brain, he spent nearly a decade managing an independent portfolio of derivatives, focused mainly on oil/gas, commodities markets, equities, and fixed income.

Brian earned his B.S. in International Relations, with a concentration in International Economics, from Georgetown University in Washington, DC. He is currently a candidate for the Chartered Financial Analyst (CFA) designation. Nowadays, Brian resides in Chicago with his wife, Michelle, and two daughters, Juliette and Alexandra. He also enjoys spending time with family, working out, cooking, and travelling.

Find Brian Dress on:

LBWM Website: https://www.leftbrainwm.com/

LBWM Investment Research: https://leftbrainir.com/

Twitter: https://twitter.com/LeftBrainIR

Linkedin: https://www.linkedin.com/in/briandress

YouTube channel: https://www.youtube.com/channel/UC6bqGg_VfmuCH7E-s7rNUxQ

Average Joe Finances:

Our social media links can be found here: flow.page/avgjoefinances

🌐 Check out: averagejoefinances.com

⚖️ Balance Your Portfolio with Passiv: averagejoefinances.com/passiv

🏡 Buying or Selling a House? averagejoefinances.com/realtor

🏘 Interested in getting your real estate license? averagejoefinances.com/prepagent

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📢 Host your own Podcast here: averagejoefinances.com/buzzsprout

📋 Social Media Management Tool: averagejoefinances.com/social-media

💰 Free Stocks:

  • Robinhood: averagejoefinances.com/robinhood
  • Webull: averagejoefinances.com/webull

📋 Consolidate debt: averagejoefinances.com/sofi-loans/

⚠️ Life Insurance: averagejoefinances.com/ladder

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Join Mike Cavaggioni and Nathan Webb on the 56th episode of the Average Joe Finances Podcast to discuss the nuances of performing a 1031 exchange to get the most out of your commercial investments. Nathan has been an international entrepreneur and investor for over seven years now. While running a successful business overseas, he fell in love with real estate and immediately began investment projects in the US market. At first, Nathan chose multifamily for its stability and ability to force appreciation. But eventually, he also pursued 1031 exchanges for the tremendous tax advantages and exponential growth potential they provide. Today, Webb shares how he put those two passions together, providing multifamily acquisition and 1031 exchange services.

In this episode, you’ll learn:

  • Why “Rich Dad, Poor Dad” is often recommended to people just getting into real estate
  • The benefits of falling in love with project management when renovating a property
  • What a “1031 Exchange” is and how to get the most out of your investment properties
  • When you should contact a qualified intermediary when planning to do an exchange
  • The importance of preparation in a 1031 and how to understand the nuances of its rules.
  • And much more!

About Nathan Webb:

Nathan Webb is a 1031 Exchange Accommodator. He and his team are the qualified intermediaries required to perform your 1031 Exchange. They leverage their Exchange Software and FinTech to make clients’ exchange 100% electronic, seamless, and secure, providing over $100MM in FDIC protection.

Nathan also provides 1031 Exchange services all over the United States, specialising in California’s highly nuanced tax code. So far, he and his team have a 20-year track record of performing successful exchanges. They pride themselves on their service, always putting the client first. As an accommodator, Nathan always makes sure to walk his clients through the entire exchange process from one closing table to another.

Find Nathan Webb on:

LinkedIn: linkedin.com/in/nathan-webb-gcc

Facebook: facebook.com/nathan.webb.58323431

Average Joe Finances:

Our social media links can be found here: flow.page/avgjoefinances

🌐 Check out: averagejoefinances.com

⚖️ Balance Your Portfolio with Passiv: averagejoefinances.com/passiv

🏡 Buying or Selling a House? averagejoefinances.com/realtor

🏘 Interested in getting your real estate license? averagejoefinances.com/prepagent

🎥 Use the same Audio/Video Editing Team that I use: editpods.com

📢 Host your own Podcast here: averagejoefinances.com/buzzsprout

📋 Social Media Management Tool: averagejoefinances.com/social-media

💰 Free Stocks:

  • Robinhood: averagejoefinances.com/robinhood
  • Webull: averagejoefinances.com/webull

📋 Consolidate debt: averagejoefinances.com/sofi-loans/

⚠️ Life Insurance: averagejoefinances.com/ladder

☕️ Support the Show: buymeacoffee.com/avgjoefinances

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🚧DISCLAIMER 🚧 averagejoefinances.com/disclaimer

If you are interested in writing for Average Joe Finances or joining us for an interview on the podcast, please visit https://averagejoefinances.com/contact


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Join Mike Cavaggioni and Brandon Magierowski on the 55th episode of the Average Joe Finances Podcast to discuss the power of networking and what to keep in mind when partnering up for joint ventures. Brandon is a real estate investor, entrepreneur, podcast host, and co-founder of Real Focus Capital. There, he helps fellow and aspiring investors generate passive income through multifamily and commercial property investments. After all, Brandon believes that nothing great is ever achieved by ourselves and that we need to surround ourselves with great people to achieve great things. Today, he shares his journey, from working in the baseball industry to getting into multifamily.

In this episode, you’ll learn:

· Why building the right team is essential when starting a venture in real estate

· How leveraging your team’s skills can help you achieve your goals and grow as entrepreneurs

· The value of developing relationships with brokers from the area of your target market

· What to look out for when scoping out deals at sub-markets of specific areas

· The importance of time commitment when getting into real estate as W2 employees

· And much more!

About Brandon Magierowski:

A native of Lethbridge, Alberta, Canada, Brandon Magierowski came to Shreveport, Louisiana, in 2004 to join the LSU-Shreveport Pilots Baseball Program. After three years with the Pilots, Brandon graduated with a Bachelor’s Degree in General Business Administration.

In 2008, Brandon joined the Prairie Baseball Academy (Junior College) as an Assistant Coach before returning to the LSUS-Baseball Program in 2010 as the Graduate Assistant Coach. Magierowski’s coaching position with the Pilots ended in 2011 after Brandon graduated with his Masters in Business Administration (MBA).

Upon graduation in the Spring of 2013, Brandon turned his attention to hosting baseball tournaments in the deep south region to provide players a better opportunity for exposure to next-level recruiters. In 2014, Brandon helped create Diamond Dynasty (2D Sports) and currently serves as its acting CEO. Since its inception, the company has grown 25% year after year and hosts over 100 events.

LNowadays, Brandon is an active partner in Real Focus Capital Investments and a co-host of the Gorilla State Podcast. He is also a graduate of Multifamily University, a member of the MultifamilyU investor group, and leads the MultiFamily Mastermind 318 meetup group in North Louisiana. Brandon currently owns several multi-family properties in Louisiana, residing in Shreveport with his wife and three sons.

Find Brandon Magierowski on:

Website: realfocus.org/

Facebook: facebook.com/brandon.magierowski

Instagram: www.instagram.com/bmags1984

Flow Code: flow.page/brandon-magierowski

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Join Mike Cavaggioni and Rick Mazur on the 54th episode of the Average Joe Finances Podcast to discuss what you need to know when getting into day trading. Rick Mazur is a financial trader, investor, mentor, and podcast host. Over the years, Rick has owned multiple businesses, creating a diverse portfolio of investments. Nowadays, he helps people become more knowledgeable in the trading space. Today, Rick shares his journey, from starting up an ISP, learning about different investments, and choosing the ones that work for him.

In this episode, you’ll learn:

• How diversifying investments is vital when working towards financial freedom

• What vehicles to use when structuring your portfolio for long-term investments

• Why you should take time to educate yourself before getting into trading

• The biggest pitfalls people fall into when trying to trade in financial markets

• How to pick the right plan when getting into trading as a busy professional

• And much more!

About Rick Mazur:

Rick Mazur is an entrepreneur who owned his first business as a teenager before starting a tech company focusing on internet solutions in the mid-90s. Rick began to investing about 25 years ago, first with stocks. He then experimented with options and forex, all part-time as more of a hobby. After finding out that combining the proper trading mentors with replicable processes that work, Rick turned the trading dream into reality.

Rick currently has a mix of long-term stocks consisting of directional plays, dividends, staples, and multi-sector index funds. On the options side, he utilizes medium-term options positions capitalizing on index volatility. For short-term day trading, Rick trades the futures market, which is typically closed by the end of the day.

He grew up and spent most of his life around the Chicagoland area in Illinois. But now, Rick resides in Naples, Florida, opting to be closer to family, warmer weather, and the beach.

Find Rick Mazur on:

Website: https://www.rickmazur.life/

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

Twitter: https://twitter.com/rickmaz1106

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Join Mike Cavaggioni and Karena Calhoun on the 53rd episode of the Average Joe Finances Podcast to discuss how to crush your goals unhindered by marrying your purpose with your authentic self. Karena is a certified mindset and life coach who guides women entrepreneurs to develop their businesses. She helps unveil their authentic selves, discover their purpose, increase their self-confidence, and destroy self-defeating obstacles. In turn, her coaching aids women in reaching their goals and pull their vision towards them. Today, Karena shares her journey, from discovering her authentic self to finding her purpose in helping others do the same.

In this episode, you’ll learn:

● What inspired Karena to become a mindset coach, and what it is like being one.

● The difference between passion and purpose, and why the two need to work together.

● How to peel back the layers of external influences and find your authentic self.

● The importance of having the right mindset in serving and impacting where you belong.

● Why you are not defined by the mishaps in your life but by your mindset after the fact.

● And much more!

About Karena Calhoun:

In 2017, Karena Calhoun began a journey of unveiling her authentic self and discovering her true purpose. During this time, she understood that what she had been doing to help women since 2009 through outreach was her purpose and calling. Today, Karena helps women entrepreneurs destroy negative self-talk, overwhelm, and other malicious obstacles that come against their purpose. In addition, she is an international podcast host and rising transformational speaker.

Find Karena Calhoun on:

Website: https://warkry.com

Instagram: https://instagram.com/coach.karena

Link Tree: https://linktr.ee/coachkarena

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Join Mike Cavaggioni and Prashant Kumar on the 52nd episode of the Average Joe Finances Podcast to discuss why it is never too late to invest in real estate and how to get started. Prashant is the CEO and founder of My Realty Gains. Here, he assists ultra-busy professionals in identifying excellent investment opportunities, providing stable cash flow, and long-term capital appreciation by purchasing assets. Not only that, Prashant has acquired and managed over $32 million in real estate while running webinars and meetups, speaking on the subject of investing across the country. Today, he shares his journey, from immigrating to the United States to now investing in multifamily.

In this episode, you’ll learn:

● How “assisted living” works and what goes into managing such properties

● The abundance mindset and how helping others attracts more wealth

● Ways to use your IRA to invest in different asset classes, including real estate

● The importance of taking things slow when learning to invest in any asset class

● How to build generational wealth from the compounding effect of passive cash flow

● And much more!

About Prashant Kumar:

Prashant Kumar is an enthusiastic, passionate, and goal-oriented multifamily operator. He applies his 25+ years of experience in corporate America to analyzing income and expenses, calculating Net Operating Income (NOI), and calculating purchase prices based on NOI and Market Cap rates. Prashant acquires and holds stable, income-producing multifamily apartment complexes in emerging US markets with long-term capital appreciation. He runs meetups in NY and online masterminds with many groups while doing JV and syndication deals. In addition, Prashant has a passion for purchasing Assisted Living Properties.

Find Prashant Kumar on:

Website: www.myrealtygains.com

Multifamily Realty Gains: www.multifamilyrealtygains.com

Personal Loving Care: http://www.plccarehomes.com

LinkedIn: www.linkedin.com/in/prashant-at-myrealtygains

Facebook: https://www.facebook.com/prashant.myrealtygains

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Join Mike Cavaggioni and Amy Farrow on the 51st episode of the Average Joe Finances Podcast as they discuss how expanding your knowledge of people opens up more opportunities in real estate. Amy is a real estate lawyer, a former law enforcement officer, and a mother to four great kids. She often spends her time helping fellow investors, whether aspiring or experienced, pursue their real estate journey, from defending them in court to drafting their agreements. Today, Amy shares her journey, from flying commercial planes and working for the FBI to eventually manage rental properties.

In this episode, you’ll learn:

● How Amy got into real estate through buying and flipping rental properties

● The importance of adaptability as an investor, given the fluctuations of specific markets

● Why you should go beyond “making money fast” and focus on your business’ longevity

● The difference between treating real estate as a hobby and as a business

● How to have a comprehensive view of real estate and be flexible in your exit strategies

● And much more!

About Amy Farrow:

Amy Farrow spent years learning real estate business, running a brokerage firm, and studying real estate law. Now, she is an experienced attorney with a demonstrated history of working in the real estate industry. Amy specializes in Judgment Collections, Negotiation, Team Building, Foreclosure, and Estate Planning. She has also handled complex litigation, creative financing commercial transactions, and title issues and defects.

Find Amy Farrow on:

Website: www.amyfarrow.com

Easy Button REI: www.easybuttonrei.com

Facebook: https://www.facebook.com/martin.amy.b

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

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Join Mike Cavaggioni with his guests, Suzy Sevier and Michael Barnhart, on the 50th episode of the Average Joe Finances Podcast as they discuss investing in apartments overseas and achieving a “Return on Impact”. Michael is an Air Force Officer and Biology Professor, while Suzy is a Supply Chain Coordinator and Program Manager. Both serve as the founders of Adventurous Real Estate Investors, specializing in multifamily investment opportunities that offer lucrative returns by implementing a business model that provides value to both residents and the local community. Today, Suzy and Michael share their journey, from closing their first multifamily deal to helping others do the same.

In this episode, you’ll learn:

• How Suzy and Michael got into real estate with a “be 1% better every day” mindset

• What “Return on Impact” is and how it influenced their value-adding process

• The importance of mentorship in propelling your growth as a multifamily realtor

• Why the best partnerships are found outside of your comfort zone

• The value of raising capital and due diligence in commercial real estate

• And much more!

About Suzy Sevier and Michael Barnhart:

Suzy Sevier is a real estate investor currently living in Cambridge, England. In 2019, Suzy graduated from the University of Denver with an MBA with a concentration in Marketing. Nowadays, she works for a large biotechnology company as a supply chain coordinator and program manager. In the meantime, Suzy also guides students from the Daniels College of Business at the University of Denver thru her mentoring.

Michael Barnhart is a US Air Force Officer with over 15 years of military experience. In 2011, he graduated from the United States Air Force Academy as an Academy Scholar and, two years later, earned a master’s degree at Colorado State University. Currently, Michael is a Ph.D. student in biochemistry at the University of Cambridge. He is said to return to the U.S. Air Force Academy as an assistant professor once he completes his doctorate. There, he will finish out his military career before transitioning to real estate investing full-time.

Find Suzy Sevier and Michael Barnhart on:

Website: https://adventurousrei.com

Instagram: https://www.instagram.com/adventurous.rei

Facebook Page: https://www.facebook.com/adventurousREI

LinkedIn: https://www.linkedin.com/company/adventurous-real-estate-investors

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📋 Social Media Management Tool: https://averagejoefinances.com/social-media

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Join Mike Cavaggioni with Michael Soroko and Zach Zenda on the 49th episode of the Average Joe Finances Podcast, as they discuss the benefits of working with financial advisors—or, as per Soroko, "the CFOs of your finance."

In recent media, subjects like DOGE Coin and GameStop have created non-stop buzz in business and investing. As a result, more people are getting into cryptocurrencies and the stock market from their homes. For our guest financial advisors, this is both good and potentially dangerous.

Today, Michael Soroko and Zach Zenda talk more about retirees' common regret, the Robinhood-Era of stock market investing, and the High-Earners-Not-Rich-Yet demographic, better known as the HENRYs.

In this episode, you'll learn:

● Coming from families with business and finance DNAs; Why you need to work with a financial advisor

● The dangers of the different media hype(s) to your finance and how financial advisors come in as your guidance

● Here's what most retirees regret not doing with their money at an early age; Your money needs to have its 'why' and compass

● When taking out from your retirement plan or 401(k), there are factors you need to take into consideration to ensure what you're nettinggoes a long way

● Mike and Zach: On portfolio diversification and where financial advisors go to invest.

● And much more!

About Michael Soroko:

Mike grew up in Kinnelon, NJ. Mike attended Rider University in Lawrenceville, NJ, where he was the Captain of the Cross Country and Track and Field Teams. After graduating from Rider University with his Bachelor's in Finance and M.B.A. in Entrepreneurship, Mike entered the Financial Services Industry in 2013.

Mike is one of the founding partners of Emeritus Wealth and holds his Life, Health, Series 6, Series 63, and Series 65 Licenses. In addition, he obtained his "Certified Family Business Specialist "designation (CFBS) through the American College in Philadelphia in 2015. Mike has developed a unique ability to work directly with close-knit family businesses to help them become aware of financial strategies that will be instrumental in their success.

Mike has spearheaded the charge in bringing financial awareness to the students, faculty, and alumni within the Rider University community by working closely with the athletic department and alumni association. Mike currently resides in Morristown with his wife Nicole and their dog Hannah.

About Zach Zenda:

Zach was born and raised in South Brunswick, NJ. Zach attended Rutgers University in New Brunswick, where he was a member of the Men's Lacrosse Team. He graduated with his Bachelor's Degree in 2012 and began his career in the Financial Services Industry.

Zach has been a registered representative of MML Investors Services, LLC. since 2013 and is one of the founding partners of Emeritus Wealth. Zach holds his Life, Health, Series 7, and Series 66 licenses, and he obtained his "Certified Family Business Specialist" designation (CFBS) through the American College in Philadelphia in the summer of 2015.

Outside of the office, Zach is an avid golfer, enjoys working out at the Jersey Strong, and something you may not know is he an avid Watch enthusiast on all things surrounding the watch industry. Zach resides in Red Bank, NJ, with his wife Zara and their dog Cali and cat Wolfie.

Find Michael Soroko and Zach Zenda on:

Website: www.emerituswealthgroup.com

Instagram: www.instagram.com/thefinancialguides

@mikesoroko / @zzenda5

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Join Mike Cavaggioni and Melissa Johnson on the 48th episode of the Average Joe Finances Podcast, as they discuss how she abandoned the safety walls of a nine-to-five to fully get into the game of real estate investing. Being a real estate investor doesn’t always have to be about closing hundreds of transactions. Instead, for Melissa, the lifestyle it enables for herself and her family holds the real reward far beyond profit she can get from any deal. Today, Melissa shares the prerequisites of finding mentorship, the education-action balance, the importance of market adaptability, and the understanding of exit strategies and when to deploy them.

In this episode, you’ll learn:

● The fear of losing the security blanket of corporate work hinders the transition to real estate.

● In a constantly evolving market, having the ability to adapt and strategize accordingly to the market is critical.

● On Keeping It Simple: There is value in mastering, maximizing, and staying in your market.

● About Glice; The other asset classes and businesses outside of house-flipping that yield potential for investments.

● The importance of knowing when to take action during the phase of self-education.

● And much more!

About Melissa Johnson:

She has been flipping houses in San Antonio, TX, since 2003, growing and expanding the business into a thriving real estate investment operation. With close to a thousand real estate transactions under her belt, she has also built a portfolio of rental properties and real estate notes while raising five children.

She provides coaching, support, and education for other high-level real estate investors nationwide. She enjoys giving back to the REI community by hosting the E3 podcast for women and the MORE (Moms of Real Estate) podcast and running the San Antonio InvestHer meetup group. As an active member of the Forbes Council on Real Estate and NAWBO (National Association of Women Business Owners), she is dedicated to the success and empowerment of women in business!

Find Melissa Johnson on:

Website: www.themelissajohnson.com

LinkedIn: https://www.linkedin.com/in/melissa-mcray-johnson-8794827

YouTube: https://www.youtube.com/channel/UCciaP9ER_iA5a2WzFy4bcBQ/videos

Instagram: www.instagram.com/melissajohnson8

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

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🌐 Check out: averagejoefinances.com

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📋 Social Media Management Tool: htaveragejoefinances.com/social-media

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⚠️ Life Insurance: https://averagejoefinances.com/ladder

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Join Mike Cavaggioni and Ramsey Blankenship on the 47th episode of the Average Joe Finances Podcast as they discuss the scalability of multi-family and the signs of a thriving real estate market. Ramsey Blankenship is a Navy Explosive Ordinance Technician, diving instructor, and one of the founders of Real Focus Capital. Here, they acquire and manage value-add, commercial multi-family properties in the Southeast. The company aims to provide high-yield risk-adjusted returns and generate passive income for its investors. Today, Ramsey shares his journey, from getting into real estate through house-hacking to investing in multi-family properties.

In this episode, you’ll learn:

  • “How I can afford this?” mentality and how to live the life you want while investing in anything, real estate, stock market, etc.
  • The value of “putting yourself out there” and how the best partnerships are outside your comfort zone.
  • The five market vital signs and how understanding macrostatistics can tell you what markets to invest in.
  • What goes into transitioning from residential to commercial real estate and the economy of scale.
  • The difference between investing in real estate versus other assets and the different cash flow means it provides.
  • And much more!

About Ramsey Blankenship:

From Southwest Louisiana, Ramsey Blankenship joined the US Navy shortly after graduating high school. He is currently a Master Chief Petty Officer Explosive Ordinance Disposal (EOD) Technician in the US Navy Special Operations. Ramsey understands the importance of paying attention to detail while working under pressure as a free-fall parachutist and Navy diver.

Ramsey is also an experienced investor specializing in converting distressed properties into income-producing assets. He currently owns multiple rental units across three states, is a graduate of Multifamily University, and is a member of the MultifamilyU investor group. Mr. Blankenship now lives in San Diego, California, is a father of two, and is married to his beautiful wife, Hope.

Find Ramsey Blankenship on:

Website: https://realfocus.org

LinkedIn: https://www.linkedin.com/in/ramsey-blankenship-35a56137

Check out Average Joe Finances:

Our social media links are all on our Flow Page: https://flow.page/avgjoefinances

🌐 Check out: https://averagejoefinances.com

⚖️ Balance Your Portfolio with Passiv: https://averagejoefinances.com/passiv

🏡 Buying or Selling a House? https://averagejoefinances.com/realtor

🏘 Interested in getting your real estate license? https://averagejoefinances.com/prepagent

🎥 Use the same Audio/Video editing team that I use: https://editpods.com

📋 Social Media Management Tool: https://averagejoefinances.com/social-media

💰 Free Stocks:

Robinhood: https://averagejoefinances.com/robinhood

Webull: https://averagejoefinances.com/webull

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⚠️ Life Insurance: https://averagejoefinances.com/ladder

☕️ Support the Podcast/Channel: https://www.buymeacoffee.com/avgjoefinances

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If you are interested in writing for Average Joe Finances or joining us for an interview on the podcast, please email me at 📬mike@averagejoefinances.com


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Join Mike Cavaggioni and Elaine Eugenio on the 46th episode of the Average Joe Finances Podcast as they discuss short-term rental insurance for property owners and managers. Elaine Eugenio is the founder of Insurance For Hosts, where they make insuring short-term rentals easy. The agency is open to clients all across the United States, whether Airbnb, Homeaway or an independent website. Today, Elaine shares her journey, from turning down an insurance job offer, taking different career paths, and eventually starting an insurance agency herself.

In this episode, you’ll learn:

• Why a regular landlord rental policy is not sufficient for short-term rental properties.

• The four basic coverages of a short-term rental policy and how it differs from a landlord policy.

• How not every guest will be mindful of the property and why insurance rates for short-term rentals are higher.

• What goes into becoming a short-term rental host and setting realistic expectations for your property.

• The spectrum of short-term rental arbitrage and why you should not rent out a property you do not own.

• And much more!

About Elaine Eugenio:

Elaine Eugenio is the founder of Insurance For Hosts. What sparked the agency’s creation was a situation Elaine found herself in back in 2011. Like many, she was familiar with short-term rental sites, such as Airbnb and VRBO, and how they could further help others with a love of travel stretch their travel dollars. But unlike most travelers, Elaine’s mind automatically went from thinking about trips to asking questions like “How does the insurance work if you are a host?”, “How are losses covered in case of emergencies?”, “What happens if a host is renting out their primary residence?” so on and so forth.

Elaine knew she could not possibly be the only insurance agent asking these same questions. But, she was surprised to find that there were not many in her immediate area or even across her state who knew the answers or were even willing to find out the answers to these questions associated with insuring a short-term rental property. And so, throughout the years, Elaine has committed to answering her initial questions all those years ago and the ones most property owners would never even think to ask. Hence, to properly insure and protect her clients, Elaine earned a Short Term Rental Property Inspector certificate so that she can offer more insight into possible claims, issues, and concerns.

Find Elaine on:

Website: https://www.insuranceforhosts.com/

LinkedIn: https://www.linkedin.com/in/elainejeugenio792678/

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

Average Joe Finances:

Our social media links are all on our Flow Page: https://flow.page/avgjoefinances

🌐 Check out: https://averagejoefinances.com

⚖️ Balance Your Portfolio with Passiv: https://averagejoefinances.com/passiv

🏡 Buying or Selling a House? https://averagejoefinances.com/realtor

🏘 Interested in getting your real estate license? https://averagejoefinances.com/prepagent

🎥 Hire my Audio/Video editing team: https://averagejoefinances.com/podcast-editing

📋 Social Media Management Tool: https://averagejoefinances.com/social-media

💰 Free Stocks:

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⚠️ Life Insurance: https://averagejoefinances.com/ladder

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Join Mike Cavaggioni and Kelly Madden on the 45th episode of the Average Joe Finances Podcast as they discuss the world of virtual assistants and working from home as a military spouse. Kelly Madden is an Air Force wife, a licensed realtor, and virtual assistant. Kelly aims to help fellow realtors and small business owners manage their administrative tasks to increase their bottom line and their time to do other jobs. She also serves as Active-Duty Passive Income’s Community Manager, providing customer support, resources, and helpful information to clients. Today, Kelly shares her story of being a stay-at-home mom, getting a real estate license, moving to Japan, and now working from home as a virtual assistant.

In this episode, you’ll learn:

● The advantages of working as a virtual assistant and how to get started.

● How networking is essential in starting an independent virtual assisting service.

● Why people outsource jobs and why freelancers and contractors deserve more recognition.

● The importance of consistency and support when working as an independent contractor.

● How you can work from home and the different ways you can get started, whether a military spouse or not.

● And much more!

About Kelly Madden:

Kelly Madden is a 14-year Air Force spouse, real estate agent, real estate investor, and virtual assistant. In 2007, Kelly graduated with a bachelor’s degree in Psychology at North Carolina State University. Years later, she earned her master’s in education, majoring in Curriculum and Instruction at the American InterContinental University.

Before Active Duty Passive Income and her virtual assistant career, Kelly worked as a realtor at Kelly Williams Realty, assisting buyers and sellers in marketing and purchasing property for the best price and terms. However, in late 2019, she started her internship at ADPI and acted as ADPI’s blog coordinator in January the following year. Nowadays, Kelly serves as ADPI’s new Community Manager and offers independent virtual assistant services to fellow realtors and other business owners.

Find Kelly Madden on:

Website: http://www.kellymaddenva.com/

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

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

Average Joe Finances:

Our social media links are all on our Flow Page: https://flow.page/avgjoefinances

🌐 Check out: https://averagejoefinances.com

⚖️ Balance Your Portfolio with Passiv: https://averagejoefinances.com/passiv

🏡 Buying or Selling a House? https://averagejoefinances.com/realtor

🏘 Interested in getting your real estate license? https://averagejoefinances.com/prepagent

🎥 Hire my Audio/Video editing team: https://averagejoefinances.com/podcast-editing

📋 Social Media Management Tool: https://averagejoefinances.com/social-media

💰 Free Stocks:

Robinhood: https://averagejoefinances.com/robinhood

Webull: https://averagejoefinances.com/webull

📋 Consolidate debt: https://averagejoefinances.com/sofi-loans/

⚠️ Life Insurance: https://averagejoefinances.com/ladder

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Join Mike Cavaggioni and Larry Pendleton on the 44th episode of the Average Joe Finances Podcast as they discuss the tax benefits of investing in real estate and the scalability of multifamily. Larry Pendleton is a real estate investor and CPA with a passion for adding value to fellow investors through tax consulting and accounting services. Along with PC Financial Services, he is currently Director of Finance for real estate investment firm RIZE Equity Holdings. Today, Larry shares his journey, from helping others minimize their tax liabilities to eventually investing in real estate himself.
In this episode, you’ll learn:

  • The abundance mindset and why sharing information with others helps you grow as an investor and an individual.
  • How scalability is essential when transitioning from single-family to multifamily.
  • What the best practices are to build a tax plan into real estate investments.
  • What depreciation is and how it benefits someone investing in real estate regarding tax.
  • The importance of knowing the expertise of your current tax professional.
  • And much more!

About Larry Pendleton:
Larry Pendleton has over ten years of accounting, tax, and auditing experience as a Certified Public Accountant. In addition, he brings more than seven years’ worth of real estate investing experience as the Chief Financial Officer for C.P. Realty and Next Level Investments. He oversaw the accounting and finance of over 3 million dollars’ worth of commercial real estate in that role. Simultaneously, Larry founded P.C. Financial Services, LLC., which provides nationwide tax consulting and planning for real estate professionals.Larry also has a track record of success in Internal Audits. He spent over five years as a Senior Auditor for three companies utilizing his expertise to drive cost efficiencies and grow their brands. As the Director of RIZE’s Financial Operations, his business experience in real estate, combined with his educational background of a Bachelors and Masters in Accounting, means you will be dealing with a financial professional you can trust to maximize efficiencies on every investment.

Find Larry Pendleton on:
Website: https://linqapp.com/larrypendletoncpa
LinkedIn: https://www.linkedin.com/in/larry-pendleton-jr-cpa-msa-493aa249
Facebook: https://www.facebook.com/profile.php?id=100012395678547
Instagram: https://www.instagram.com/larrypendletoncpa

Average Joe Finances:
Our social media links are all on our Flow Page: https://flow.page/avgjoefinances
🌐 Check out: https://averagejoefinances.com
⚖️ Balance Your Portfolio with Passiv: https://averagejoefinances.com/passiv
🏡 Buying or Selling a House? https://averagejoefinances.com/realtor
🏘 Interested in getting your real estate license? https://averagejoefinances.com/prepagent
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Robinhood: https://averagejoefinances.com/robinhood
Webull: https://averagejoefinances.com/webullSoFi: https://averagejoefinances.com/sofi-invest

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Join Mike Cavaggioni and Bernard Reisz on the 43rd episode of the Average Joe Finances Podcast as they discuss providing unbiased and innovative strategies to optimize your finances. Bernard Reisz is a certified public accountant, financial advisor, and ReSure’s founder. The company focuses on self-directed retirement accounts, giving investors the ability to put their money in assets they understand best. Today, Bernard shares his story of working towards his certification, turning down big companies, and starting a financial solutions firm himself.

In this episode, you’ll learn:

● How financial certifications can only do so much and how learning starts on the job.

● The value of going back to the basics when solving unique financial cases.

● What to know when optimizing your finances and the limitations of corporate procedures.

● Where to find guides with financial expertise when most companies only sell paperwork.

● How sharing and scaling your “expertise” can lead you and others to financial freedom.

● And much more!

About Bernard Reisz:

Bernard Reisz is a financial and tax expert who focuses on investing, due diligence, alternative assets, and entity structuring. He believes tax strategy and financial advisory needs guidance from an expert who knows every neck of the woods and has nothing to sell them, delivering unbiased information. Hence, Bernard aims to empower clients to optimize their finances using proactive and innovative strategies.

Before founding ReSure, Bernard served as Director of CoMetrics Partners, managing various engagements involving financial consulting and due diligence. Bernard advised owners of closely-held middle-market companies on advanced tax mitigation strategies. As a guest on numerous economic, tax, real estate, and legal forums, he delivered straight talks and unique insight on 401KCheckBook’s Website.

Find Bernard Reisz on:

401k CheckBook Website: https://www.401kcheckbook.com

Agent Financial Website: https://www.agentfinancial.com

LinkedIn: https://www.linkedin.com/in/bernard-reisz-cpa

Facebook: https://www.facebook.com/profile.php?id=100018434525079

Check out Average Joe Finances:

Our social media links are all on our Flow Page: https://flow.page/avgjoefinances

🌐 Check out: https://averagejoefinances.com

⚖️ Balance Your Portfolio with Passiv: https://averagejoefinances.com/passiv

🏡 Buying or Selling a House? https://averagejoefinances.com/realtor

🏘 Interested in getting your real estate license? https://averagejoefinances.com/prepagent

🎥 Hire my Audio/Video editing team: https://averagejoefinances.com/podcast-editing

💰 Free Stocks:

Robinhood: https://averagejoefinances.com/robinhood

Webull: https://averagejoefinances.com/webull

SoFi: https://averagejoefinances.com/sofi-invest

📋 Consolidate debt: https://averagejoefinances.com/sofi-loans/

⚠️ Life Insurance: https://averagejoefinances.com/ladder

☕️ Support the Podcast/Channel: https://www.buymeacoffee.com/avgjoefinances

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If you are interested in writing for Average Joe Finances or joining us for an interview on the podcast, please email me at 📬mike@averagejoefinances.com


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Join Mike Cavaggioni and Lane Kawaoka on the 42nd episode of the Average Joe Finances Podcast as they talk about turning your earnings into passive cashflow streams to set you for life. Lane Kawaoka is a syndicator, mentor, and podcaster at Simple Passive Cashflow, providing free real estate education. Today, Lane shares his journey from working as a licensed engineer to becoming an accredited real estate investor.

In this episode, you’ll learn:

• The different market tiers in real estate and which one you should invest in.

• How to turn your savings into cashflow streams through properties and assets.

• What classes of properties to consider when achieving passive cashflow.

• The value of networking when looking for a deal as a passive investor.

• Why you should not wait until retirement to invest in real estate and how to get started.

• And much more!

About Lane Kawaoka

Lane Kawaoka was a licensed professional civil and industrial engineer. In 2009, Lane began investing in real estate in Seattle. After discovering the difference between cashflow investing and appreciation investing (gambling/speculating), he moved his portfolio into 11 single-family rentals in Birmingham, Atlanta, Indianapolis, and Pennsylvania.

Today, Lane is investing in Class B & C multi-family apartments, RV parks, mobile homes. He also assisted living facilities because of the country’s demand for affordable housing. Lane figured passive income from investing in stable rental properties would make it possible for him to move back home to Hawaii.

Find Lane Kawaoka on:

Website: www.simplepassivecashflow.com

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

Twitter: https://twitter.com/SimplePassiveCf

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

Check out Average Joe Finances:

Our social media links are all on our Flow Page: https://flow.page/avgjoefinances

🌐Check out: https://averagejoefinances.com

⚖️Balance Your Portfolio with Passiv: https://averagejoefinances.com/passiv

🏡Buying or Selling a House? https://averagejoefinances.com/realtor

🏘Interested in getting your real estate license? https://averagejoefinances.com/prepagent

🎥Hire my Audio/Video editing team: https://averagejoefinances.com/podcast-editing

💰Free Stocks:

Robinhood: https://averagejoefinances.com/robinhood

Webull: https://averagejoefinances.com/webull

SoFi: https://averagejoefinances.com/sofi-invest

📋Consolidate debt: https://averagejoefinances.com/sofi-loans/

⚠️Life Insurance: https://averagejoefinances.com/ladder

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If you are interested in writing for Average Joe Finances or joining us for an interview on the podcast, please email me at 📬mike@averagejoefinances.com


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Join Mike Cavaggioni and Anthony Pinto on the 41st episode of the Average Joe Finances Podcast as they talk about house hacking and Regulation A+ funding. Anthony Pinto is a submarine officer, real estate investor, and Pinto Capital Investment’s founder. He also founded Mission First Capital to provide real estate opportunities for active duty and military veterans. Today, Anthony shares his journey, from attending his first real estate meetup, investing in house hacking, to closing large multifamily deals.

In this episode, you’ll learn:

● The value of training and networking in real estate investing.

● How to get started in real estate through house hacking and transition into multifamily.

● What Regulation A+ is and how to use it when bringing non-accredited investors into your syndication.

● The importance of understanding the market when dealing with multiple properties in different states.

● How working with a team and building relationships in real estate can help you grow as an investor.

About Anthony

Anthony Pinto is the Chief Operations Officer for Mission First Capital and the founder of Pinto Capital Investments. Mission First Capital's goal is to provide real estate opportunities to active duty and military veteran investors not otherwise available to our brothers and sisters. Investing in stable, real assets is no longer exclusive to the rich and powerful.

Anthony specializes in investing in commercial real estate and apartment buildings. He seeks out and acquires B to C class apartment buildings as value-add acquisitions. Working with experienced syndicators and partners, Anthony continues to develop larger apartment buildings across the Southeast US, focusing on the Hampton Roads, VA, and Georgia markets. Across the Hampton Roads MSA, he has $20M in AUM and controls more than 300 units, all acquired in 2020.

Find Anthony on:

LinkedIn: https://www.linkedin.com/in/anthony-pinto/

Website: https://missionfirstcapital.co/

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

Check out Average Joe Finances:

Our social media links are all on our Flow Page: https://flow.page/avgjoefinances

🌐 Check out: https://averagejoefinances.com

⚖️ Balance Your Portfolio with Passiv: https://averagejoefinances.com/passiv

🏡 Buying or Selling a House? https://averagejoefinances.com/realtor

🏘 Interested in getting your real estate license? https://averagejoefinances.com/prepagent

🎥 Hire my Audio/Video editing team: https://averagejoefinances.com/podcast-editing

💰 Free Stocks:

Robinhood: https://averagejoefinances.com/robinhood

Webull: https://averagejoefinances.com/webull

SoFi: https://averagejoefinances.com/sofi-invest

📋 Consolidate debt: https://averagejoefinances.com/sofi-loans/

⚠️ Life Insurance: https://averagejoefinances.com/ladder

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If you are interested in writing for Average Joe Finances or joining us for an interview on the podcast, please email me at 📬 mike@averagejoefinances.com


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Join Mike Cavaggioni and Alex Fasulo on the 40th episode of the Average Joe Finances Podcast as they talk about getting into the freelancing marketplace. Alex Fasulo is a writer, mentor, and podcast host, who is passionate about preparing individuals for the future of remote work. Today, Alex shares her journey from applying to several different jobs, quitting the one job she got into four weeks in, to becoming a freelancer and Fiverr millionaire.

In this episode, you’ll learn:

• The harsh mold of corporate job hunting and how to break out of it.

• The misconceptions of freelancing and how to define it for yourself as a freelancer.

• How to work towards financial freedom through freelance work and passive income.

• The right mindset for an entrepreneur and taking control of your time.

• How to stay creative with the pressure of running a business.

• And much more!

About Alex Fasulo

Alex Fasulo is a copywriter, freelancer, and ghostwriting business manager on Fiverr, Shopify, and privately on other social media. She is also the owner of a trending photo map app, EyePop, designed to help travelers and influencers everywhere snap the best shot in any city. She also helped create Campfire Trailers, where she and her mom take old, unused horse trailers and flip them into mobile businesses. The company exploded in popularity last year due to COVID-19, given the rising demand for on-the-go food and drinks.

Alex also delved into education and other forms of writing. She creates online courses on MentorCamp, an all-in-one online learning resource that provides people worldwide with the ability to leave their 9-to-5 and make money online. Her online courses mainly tackle copywriting and social media marketing, specifically on TikTok. She has also written five e-books available to anyone wanting to dive into the world of freelancing. After all, Alex believes that the future resides in a freelancing exchange, whereby every company will outsource work on a per-project basis.

Find Alex Fasulo on:

Website: https://alexfasulo.com

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

TikTok: https://www.tiktok.com/@alexfasulobiz

The Freelance Fairytales Podcast: https://open.spotify.com/show/0ukaBAqFz5INXwqqwoZjDM

Check out Average Joe Finances:

Our social media links are all on our Flow Page: https://flow.page/avgjoefinances
🌐 Check out: https://averagejoefinances.com
⚖️ Balance Your Portfolio with Passiv: https://averagejoefinances.com/passiv
🏡 Buying or Selling a House? https://averagejoefinances.com/realtor
🏘 Interested in getting your real estate license? https://averagejoefinances.com/prepagent
📚 Need to Outsource? https://averagejoefinances.com/fiverr
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💰 Free Stocks:
Robinhood: https://averagejoefinances.com/robinhood
Webull: https://averagejoefinances.com/webull
SoFi: https://averagejoefinances.com/sofi-invest

📋 Consolidate debt: https://averagejoefinances.com/sofi-loans/
⚠️ Life Insurance: https://averagejoefinances.com/ladder
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Join Mike Cavaggioni on Episode 39 of the Average Joe Finances Podcast as he sits with Josh Plave to talk about the topic of turning funds From IRA's and Equities to Large Multifamily Investments. This episode highlights how IRAs and equities could be turned into investments that will change your family’s financial outlook in the future. From a personal experience of understanding how to value money, Josh Plave shares tips to help individuals choose multifamily family investments to secure their future.

In this Episode, You’ll learn:
•What a self-directed IRA is
•Why multifamily investment is the best choice for IRA and Equities investors
•Understand the 75% leverage
•How a multifamily investment is about controlling what can be controlled and the strategy of controlling it
•How self-directed IRA could be invested in almost anything except for three particular restrictions, namely, (1) IRA cannot be invested in collectibles; (2) they cannot be invested in life insurance policies, and lastly (3) cannot be used to own shares in a corporation. With this said, Josh confirms that IRA can be invested virtually on anything.
•And much more

About Josh Plave
Josh Plave is the known founder of Wall to Main and is a full-time family investor. He started with his own family’s investment portfolio and helped other families make the same intelligent financial decision. He started in his journey as early as 16 years of age. He was inspired by his grandparents, who told him that securing his finances for the future is critical to leading a better life in the future. Now, at the age of 30, he continues to live with financial freedom, and he wants to share the same tips he learned through time to help others find better investment options for their IRAs and their equities.

In his work, he highlights that being financially free comes from a person's willingness to find out what he can control and find a way to control these properties in the most efficient way possible. In his business, he continues to promote effective investment options through large multifamily real estate properties; this way, the investors do not invest in the properties but in the business and its assured growth.

Find Josh Plave on:
Website: https://walltomain.com/about
Instagram: https://instagram.com/joshplave
Podcast: https://listennotes.com/top-episodes/josh-plave/

Check out Average Joe Finances:
Our social media links are all on our Flow Page: https://flow.page/avgjoefinances
🌐 Check out: https://averagejoefinances.com
⚖️ Balance Your Portfolio with Passiv: https://averagejoefinances.com/passiv
🏡 Buying or Selling a House? https://averagejoefinances.com/realtor
🏘 Interested in getting your real estate license? https://averagejoefinances.com/prepagent

💰 Free Stocks:
Robinhood: https://averagejoefinances.com/robinhood
Webull: https://averagejoefinances.com/webull
SoFi: https://averagejoefinances.com/sofi-invest

📋 Consolidate debt: https://averagejoefinances.com/sofi-loans/
⚠️ Life Insurance: https://averagejoefinances.com/ladder
☕️ Support the Podcast/Channel: https://www.buymeacoffee.com/avgjoefinances
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In this episode, I am joined by Alex Breshears of Infinite Road Investments. Listen as we talk about real estate as an asset, how Alex got into private lending, and the many perks of private lending for investors. For anyone trying to get into passive investing or real estate in general, Alex has a bit of advice that she wants everyone to have as their heads up. For Alex, having a clear understanding of what fits your lifestyle as an investor is of utmost importance before starting with any investment form. Despite real estate being necessary for the community, matching one's goals and approach to life with how one wants to invest is not something to overlook. Alex believes it offers anyone an opportunity to learn real estate – from the backseat.

In this episode you will learn:

• "Real estate tends to be a slow-moving asset."

• Do they fit your goals, skills, time commitment, capital commitment?

• The story behind how the 1st deal happened.

• What does private lending offer you?

• People will always need real estate!

• And much more!

About Alex Breshears: Alex is a private money lender and an educator for private lending and passive investing in real estate. A community group leader, Limited Partner in syndications, aspiring general partner for multi-family syndications, and EMD funder for syndications. Alex Breshears' mission is to help and inspire others to foster a win-win situation that increases her network and the community's prosperity. She is a military spouse from New Orleans, Louisiana that values strong partnerships with others and a fabulous crawfish boil! Alex believes that it is essential to smile because life is short and that it is important to make conscious choices each day for success.

You can find Alex Breshears on:

Website: http://infiniteroadinvestments.com/ LinkedIn: http://www.linkedin.com/in/InvestPassively2LiveActively

Facebook: https://facebook.com/groups/privatelendinglessons/

Check out Average Joe Finances:

Our social media links are all on our Flow Page: https://flow.page/avgjoefinances

🌐 Check out: https://averagejoefinances.com

⚖️ Balance Your Portfolio with Passiv: https://averagejoefinances.com/passiv

🏡 Buying or Selling a House? https://averagejoefinances.com/realtor

🏘 Interested in getting your real estate license? https://averagejoefinances.com/prepagent

💰 Free Stocks:

Robinhood: https://averagejoefinances.com/robinhood

Webull: https://averagejoefinances.com/webull

SoFi: https://averagejoefinances.com/sofi-invest

📋 Consolidate debt: https://averagejoefinances.com/sofi-loans

⚠️ Life Insurance: https://averagejoefinances.com/ladder

☕️ Support the Podcast/Channel: https://www.buymeacoffee.com/avgjoefinances

💎 Average Joe Finances Swag: https://averagejoefinances.com/resources/shop

🚧 DISCLAIMER 🚧 On this channel, I share my thoughts, opinions, and own journey to financial freedom. We also bring on guests to share their experiences as well. I am a licensed REALTOR-ASSOCIATE®. However, I am not a CPA, attorney, insurance, contractor, lender, or financial advisor. The content on this page shall not be construed as tax, legal, insurance, financial advice, or other and may be outdated or inaccurate; it is your responsibility to verify all information yourself. I hope you enjoy our content and join in on this financial freedom adventure! https://averagejoefinances.com/disclaimer

If you are interested in writing for Average Joe Finances or joining us for an interview on the podcast, please email me at 📬 mike@averagejoefinances.com

Support the show (https://www.buymeacoffee.com/avgjoefinances)

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Join Mike Cavaggioni and Daniel Mills as they talk about obtaining financial freedom from overseas. Daniel is a University professor in Japan, who has gone from being $15,000 in debt to building a Net worth of over one million dollars through index funds and extreme long distance real estate investing. Stay tuned!

  • In this episode, you’ll learn:
  • From being indebted to financial freedom
  • The importance of having multiple bank accounts
  • Pro’s and Con’s of investing in real estate while living abroad
  • Goals for Property/Market Selection
  • And much more!

About Daniel Mills

Growing up in southern California, Daniel saw his father grow a business that was profiting millions each year, only to see it later become liquidated. Daniel didn’t really think too much about money or growing his personal wealth until years later. After college, Daniel moved to Japan and became an English teacher making a salary of around $30,000 (USD) a year. He met his wife, settled down, and bought an apartment in an appreciating part of the city (contrary to many other parts of Japan). Daniel was saving around $1,000 a month, and realized he didn’t want to be making $30,000 a year forever. So, he started investing in index funds and stocks, which grew his net worth and allowed him to invest in other asset classes, like real estate.

Daniel even shares a tax loophole that allowed him to write off 100% of his 6-figure income while he was in Japan (solely from real estate depreciation)!

Fast forward to today, Daniel has rental properties in Idaho, Alabama, and Tennessee with partners from Japan and the United States. Daniel agrees with many other real estate professionals in the fact that you need a tried and true team in cities where you’re investing. Living in Japan, he doesn’t have much to worry about in the US, thanks to his fantastic property managers, handymen, partners, lenders, and real estate agents.

Connect with Daniel on Facebook: www.facebook.com/netmonkjapan

Average Joe Finances
Our social media links are all on our Flow Page: www.flow.page/avgjoefinances
🌐 Check out: www.averagejoefinances.com
⚖️ Balance Your Portfolio with Passiv: www.averagejoefinances.com/passiv
🏡 Buying or Selling a House? www.averagejoefinances.com/realtor
🏘 Interested in getting your real estate license? www.averagejoefinances.com/prepagent
📋 Need to Outsource? Try Fiverr and get 20% off of your first purchase with my link. www.averagejoefinances.com/fiverr

💰 Free Stocks:
Robinhood: www.averagejoefinances.com/robinhood
Webull: www.averagejoefinances.com/webull
SoFi: www.averagejoefinances.com/sofi-invest

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⚠️ Life Insurance: www.averagejoefinances.com/ladder
☕️ Support the Podcast/Channel: www.buymeacoffee.com/avgjoefinances
💎 Average Joe Finances Swag: www.averagejoefinances.com/resources/shop

🚧 DISCLAIMER On this channel I share my thoughts, opinions, and own journey to financial freedom. We also bring on guests to share their experiences as well. I am a licensed REALTOR-ASSOCIATE® however, I am not a CPA, attorney, insurance, contractor, lender, or financial advisor. The content on this page shall not be construed as tax, legal, insurance, financial advice, or other and may be outdated or inaccurate; it is your responsibility to verify all information yourself. I hope you enjoy our content and join in on this financial freedom adventure! https://averagejoefinances.com/disclaimer

If you are interested in writing for Average Joe Finances or joining us for an interview on the podcast, please email me at 📬 mike@averagejoefinances.com

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In this episode I interviewed Apurva Shah. Apurva is absolutely crushing it as a real estate investor. We talk about how he started flipping properties with his roommates to investing in Multi-Family and Mobile Home Park assets. Check out his background and links below.

Apurva Shah is the co-founder and Managing Partner of JAYS Properties, LLC. He is an engineer and product manager during the day and real estate investor by night (even though it's a 24/7 job hah). He grew up learning about real estate learning from his father, but wanted to go out and build his own team and company. He started by flipping and wholesaling single family homes and then transitioned fully to multi-family and mobile home park investing managing a portfolio worth over $30M. He invests primarily in NY & NC, but is looking to expand into SC and VA in 2021.

Check out Apurva’s page here: www.jaysinvestments.com
LinkedIn: https://www.linkedin.com/in/apurva-shah-15794271/

Average Joe Finances
Our social media links are all on our Flow Page below:
🌐 Flow Page: https://flow.page/avgjoefinances
🌐 Check out: https://averagejoefinances.com
⚖️ Balance Your Portfolio with Passiv: https://averagejoefinances.com/passiv
🏡 Buying or Selling a House? https://averagejoefinances.com/realtor
🏘 Interested in getting your real estate license? https://averagejoefinances.com/prepagent
💰 Free Stocks: Robinhood: https://averagejoefinances.com/robinhood | Webull: https://averagejoefinances.com/webull | SoFi: https://averagejoefinances.com/sofi-invest
📋 Consolidate debt: https://averagejoefinances.com/sofi-loans/
⚠️ Life Insurance: https://averagejoefinances.com/ladder
☕️ Support the Podcast/Channel: https://www.buymeacoffee.com/avgjoefinances
💎 Average Joe Finances Swag: https://averagejoefinances.com/resources/shop

🚧 DISCLAIMER 🚧 On this channel I share my thoughts, opinions, and own journey to financial freedom. We also bring on guests to share their experiences as well. I am a licensed REALTOR-ASSOCIATE® however, I am not a CPA, attorney, insurance, contractor, lender, or financial advisor. The content on this page shall not be construed as tax, legal, insurance, financial advice, or other and may be outdated or inaccurate; it is your responsibility to verify all information yourself. I hope you enjoy our content and join in on this financial freedom adventure! https://averagejoefinances.com/disclaimer

If you are interested in writing for Average Joe Finances or joining us for an interview on the podcast, please email me at 📬 mike@averagejoefinances.com


Tropical Sensation by Mike Leite https://soundcloud.com/mikeleite Creative Commons — Attribution 3.0 Unported — CC BY 3.0 Free Download / Stream: https://bit.ly/-tropical-sensation Music promoted by Audio Library https://youtu.be/Hc6r06k-ADA

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🎙 In this episode I had an awesome interview with Charles Carillo. Charles is a real estate investor and syndicator. He is the founder of Harborside Partners and the host of the Global Investors Podcast.

Unlike other real estate investors that take a “hands off” approach to property management, Charles self-managed his own properties for years before hiring his first professional management company. During that time, he learned the intricacies of dealing with; tenants, contractors, superintendents, brokers, lenders, and attorneys. He purchased and renovated multifamily properties; some completely vacant, and turned them into profitable investments that he still owns today.
In 2016, he founded Harborside Partners, a real estate syndication company that offers other active investors and passive investors alike, the ability to partner with us and purchase larger, more profitable assets. Currently they are invested into over 250 units, worth over $25 million. Listen in on this awesome episode.

Check out Charles’ page here: https://charleskcarillo.com
Harborside Partners: https://harborsidepartners.com
LinkedIn: https://www.linkedin.com/in/charleskcarillo/
Facebook: https://www.facebook.com/CharlesKennethCarillo

Average Joe Finances
Our social media links are all on our Flow Page below:
🌐 Flow Page: https://flow.page/avgjoefinances
🌐 Check out: https://averagejoefinances.com
⚖️ Balance Your Portfolio with Passiv: https://averagejoefinances.com/passiv
🏡 Buying or Selling a House? https://averagejoefinances.com/realtor
🏘 Interested in getting your real estate license? https://averagejoefinances.com/prepagent
💰 Free Stocks: Robinhood: https://averagejoefinances.com/robinhood | Webull: https://averagejoefinances.com/webull | SoFi: https://averagejoefinances.com/sofi-invest
📋 Consolidate debt: https://averagejoefinances.com/sofi-loans/
⚠️ Life Insurance: https://averagejoefinances.com/ladder
☕️ Support the Podcast/Channel: https://www.buymeacoffee.com/avgjoefinances
💎 Average Joe Finances Swag: https://averagejoefinances.com/resources/shop

🚧 DISCLAIMER 🚧 On this channel I share my thoughts, opinions, and own journey to financial freedom. We also bring on guests to share their experiences as well. I am a licensed REALTOR-ASSOCIATE® however, I am not a CPA, attorney, insurance, contractor, lender, or financial advisor. The content on this page shall not be construed as tax, legal, insurance, financial advice, or other and may be outdated or inaccurate; it is your responsibility to verify all information yourself. I hope you enjoy our content and join in on this financial freedom adventure! https://averagejoefinances.com/disclaimer

If you are interested in writing for Average Joe Finances or joining us for an interview on the podcast, please email me at 📬 mike@averagejoefinances.com


Tropical Sensation by Mike Leite https://soundcloud.com/mikeleite Creative Commons — Attribution 3.0 Unported — CC BY 3.0 Free Download / Stream: https://bit.ly/-tropical-sensation Music promoted by Audio Library https://youtu.be/Hc6r06k-ADA

Support the show (https://www.buymeacoffee.com/avgjoefinances)

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In this episode I interviewed a fellow Long Islander, Tim Lyons. Tim is the managing partner of Cityside Capital LLC, a real estate syndication and investment company that focuses on residential multifamily real estate. Tim is also a Lieutenant in the New York City Fire Department. Until recently, he also worked part-time as an emergency room RN at a level 1 trauma center.

Tim’s initial goal with real estate was to create passive income and in turn, be able to spend more time with his wife and three girls. After partnering on a multifamily property, he saw first-hand the power of real estate investing as an opportunity to create passive income and build wealth for his family.

Tim started Cityside Capital with the goal of not only growing his own portfolio but also to help others realize the power that real estate investing can have on creating wealth. As he told me before the interview started it, if a full-time firefighter and nurse can do it, so can you! You don’t want to miss this episode

Check out Tim’s page Cityside Capital here: https://www.citysidecap.com
LinkedIn: https://www.linkedin.com/in/tim-lyons-cityside-capital/
Facebook: https://www.facebook.com/Citysidecap

Average Joe Finances
Our social media links are all on our Flow Page below:
🌐 Flow Page: https://flow.page/avgjoefinances
🌐 Check out: https://averagejoefinances.com
⚖️ Balance Your Portfolio with Passiv: https://averagejoefinances.com/passiv
🏡 Buying or Selling a House? https://averagejoefinances.com/realtor
🏘 Interested in getting your real estate license? https://averagejoefinances.com/prepagent
💰 Free Stocks: Robinhood: https://averagejoefinances.com/robinhood | Webull: https://averagejoefinances.com/webull | SoFi: https://averagejoefinances.com/sofi-invest
📋 Consolidate debt: https://averagejoefinances.com/sofi-loans/
⚠️ Life Insurance: https://averagejoefinances.com/ladder
☕️ Support the Podcast/Channel: https://www.buymeacoffee.com/avgjoefinances
💎 Average Joe Finances Swag: https://averagejoefinances.com/resources/shop

🚧 DISCLAIMER 🚧 On this channel I share my thoughts, opinions, and own journey to financial freedom. We also bring on guests to share their experiences as well. I am a licensed REALTOR-ASSOCIATE® however, I am not a CPA, attorney, insurance, contractor, lender, or financial advisor. The content on this page shall not be construed as tax, legal, insurance, financial advice, or other and may be outdated or inaccurate; it is your responsibility to verify all information yourself. I hope you enjoy our content and join in on this financial freedom adventure! https://averagejoefinances.com/disclaimer

If you are interested in writing for Average Joe Finances or joining us for an interview on the podcast, please email me at 📬 mike@averagejoefinances.com


Tropical Sensation by Mike Leite https://soundcloud.com/mikeleite Creative Commons — Attribution 3.0 Unported — CC BY 3.0 Free Download / Stream: https://bit.ly/-tropical-sensation Music promoted by Audio Library https://youtu.be/Hc6r06k-ADA

Support the show (https://www.buymeacoffee.com/avgjoefinances)

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In this episode I had a great interview with Simon Brady from Anglia Advisors. Originally from London, Simon spent over 25 years in an institutional currency and equity derivatives trading environment both in the financial district of London and on Wall Street. He began his CERTIFIED FINANCIAL PLANNER™ education in 2010 at New York University and earned my CFP® designation.

Simon worked for the United Nations as a financial advisor for a while and in 2016 registered his own independent firm, Anglia Advisors, and began providing full-time fee-only personal finance consulting and investment management services.

His practice focuses on three main demographics:

  • Individuals, couples and families aged in their 20s, 30s and early 40s
  • Aged 50 and under; "Suddenly Single" individuals, coming out of recent divorce or premature, unexpected widowhood
  • Aged 50 and under; Foreign national individuals, couples or families living and working in the US on visas and green cards

Check out this awesome episode!

Check out Simon’s page Anglia Advisors here: https://www.angliaadvisors.com
LinkedIn: https://www.linkedin.com/in/simonbradyny/

Average Joe Finances
Our social media links are all on our Flow Page below:
🌐 Flow Page: https://flow.page/avgjoefinances
🌐 Check out: https://averagejoefinances.com
⚖️ Balance Your Portfolio with Passiv: https://averagejoefinances.com/passiv
🏡 Buying or Selling a House? https://averagejoefinances.com/realtor
🏘 Interested in getting your real estate license? https://averagejoefinances.com/prepagent
💰 Free Stocks: Robinhood: https://averagejoefinances.com/robinhood | Webull: https://averagejoefinances.com/webull | SoFi: https://averagejoefinances.com/sofi-invest
📋 Consolidate debt: https://averagejoefinances.com/sofi-loans/
⚠️ Life Insurance: https://averagejoefinances.com/ladder

☕️ Support the Podcast/Channel: https://www.buymeacoffee.com/avgjoefinances
💎 Average Joe Finances Swag: https://averagejoefinances.com/resources/shop

🚧 DISCLAIMER 🚧 On this channel I share my thoughts, opinions, and own journey to financial freedom. We also bring on guests to share their experiences as well. I am a licensed REALTOR-ASSOCIATE® however, I am not a CPA, attorney, insurance, contractor, lender, or financial advisor. The content on this page shall not be construed as tax, legal, insurance, financial advice, or other and may be outdated or inaccurate; it is your responsibility to verify all information yourself. I hope you enjoy our content and join in on this financial freedom adventure! https://averagejoefinances.com/disclaimer

If you are interested in writing for Average Joe Finances or joining us for an interview on the podcast, please email me at 📬 mike@averagejoefinances.com


Tropical Sensation by Mike Leite https://soundcloud.com/mikeleite Creative Commons — Attribution 3.0 Unported — CC BY 3.0 Free Download / Stream: https://bit.ly/-tropical-sensation Music promoted by Audio Library https://youtu.be/Hc6r06k-ADA

Support the show (https://www.buymeacoffee.com/avgjoefinances)

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In this episode I interviewed Cathleen Hutchins. Cathleen and I discuss how she was able to afford a home in Hawaii as a federal employee through cooking at home, habit-formed budgeting, and buying second hand. She put herself through college on an (almost) full scholarship by seeking out opportunities and never letting one slip by. Cathleen is a perfect example of how living a frugal life can be enjoyable with less sacrifice than you think. She doesn’t deprive herself or her family of anything and is always searching for the most cost-effective way to enjoy life.

Cathleen runs an awesome blog on personal finance, frugal living, and good cooking. It’s called Cooking Up Fire (not Cooking Up with Fire). I thoroughly enjoy the content she puts out so when you are done listening to this episode, be sire to visit her site via the link below. You can also catch Cathleen in the Average Joe Finances Network on Facebook as well.

Check out Cooking Up Fire here: https://cookingupfire.com
Instagram: https://www.instagram.com/cathleencooksstuff/

Average Joe Finances
Our social media links are all on our Flow Page below:
🌐 Flow Page: https://flow.page/avgjoefinances
🌐 Check out: https://averagejoefinances.com

⚖️ BalanceYour Portfolio with Passiv: https://averagejoefinances.com/passiv
🏡 Buying or Selling a House? https://averagejoefinances.com/realtor
🏘 Interested in getting your real estate license? https://averagejoefinances.com/prepagent
💰 Free Stocks: Robinhood: https://averagejoefinances.com/robinhood | Webull: https://averagejoefinances.com/webull | SoFi: https://averagejoefinances.com/sofi-invest
📋 Consolidate debt: https://averagejoefinances.com/sofi-loans/
⚠️ Life Insurance: https://averagejoefinances.com/ladder
💎 Average Joe Finances Swag: https://averagejoefinances.com/resources/shop

🚧 DISCLAIMER 🚧 On this channel I share my thoughts, opinions, and own journey to financial freedom. We also bring on guests to share their experiences as well. I am a licensed REALTOR-ASSOCIATE® however, I am not a CPA, attorney, insurance, contractor, lender, or financial advisor. The content on this page shall not be construed as tax, legal, insurance, financial advice, or other and may be outdated or inaccurate; it is your responsibility to verify all information yourself. I hope you enjoy our content and join in on this financial freedom adventure! https://averagejoefinances.com/disclaimer

If you are interested in writing for Average Joe Finances or joining us for an interview on the podcast, please email me at 📬 averagejoe@averagejoefinances.com


Tropical Sensation by Mike Leite https://soundcloud.com/mikeleite Creative Commons — Attribution 3.0 Unported — CC BY 3.0 Free Download / Stream: https://bit.ly/-tropical-sensation Music promoted by Audio Library https://youtu.be/Hc6r06k-ADA

Support the show (https://www.buymeacoffee.com/avgjoefinances)

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In this episode I interviewed Nick McCullum from Passiv. Nick explains what Passiv is and how they are a great option for the busy professional who doesn’t have the time to constantly rebalance their portfolio manually. He explains how Passiv is able to make rebalancing your portfolio as easy as clicking a button.

Nick McCullum went to college to study biology when he quickly realized that this particular major did not interest him at all. He wanted to do something different but still graduate within that four-year period. He decided to major in math and that led him into the finance world and eventually to Passiv. Check out this episode and hear him explain how he got here and why he enjoys working with the team at Passiv.

Check out Passiv here: https://averagejoefinances.com/passiv

Email Nick: nick.mccullum@passiv.com

Average Joe Finances
Our social media links are all on our Flow Page below:
🌐 Flow Page: https://flow.page/avgjoefinances
🌐 Check out: https://averagejoefinances.com
🏡 Buying or Selling a House? https://averagejoefinances.com/realtor
🏘 Interested in getting your real estate license? https://averagejoefinances.com/prepagent
💰 Free Stocks: Robinhood: https://averagejoefinances.com/robinhood | Webull: https://averagejoefinances.com/webull | SoFi: https://averagejoefinances.com/sofi-invest
📋 Consolidate debt: https://averagejoefinances.com/sofi-loans/
⚠️ Life Insurance: https://averagejoefinances.com/ladder
💎 Average Joe Finances Swag: https://averagejoefinances.com/resources/shop

🚧 DISCLAIMER 🚧 On this channel I share my thoughts, opinions, and own journey to financial freedom. We also bring on guests to share their experiences as well. I am a licensed REALTOR-ASSOCIATE® however, I am not a CPA, attorney, insurance, contractor, lender, or financial advisor. The content on this page shall not be construed as tax, legal, insurance, financial advice, or other and may be outdated or inaccurate; it is your responsibility to verify all information yourself. I hope you enjoy our content and join in on this financial freedom adventure! https://averagejoefinances.com/disclaimer

If you are interested in writing for Average Joe Finances or joining us for an interview on the podcast, please email me at 📬 averagejoe@averagejoefinances.com


Tropical Sensation by Mike Leite https://soundcloud.com/mikeleite Creative Commons — Attribution 3.0 Unported — CC BY 3.0 Free Download / Stream: https://bit.ly/-tropical-sensation Music promoted by Audio Library https://youtu.be/Hc6r06k-ADA

Support the show (https://www.buymeacoffee.com/avgjoefinances)

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In this episode I had the privilege of interviewing Paul Moore. I talk with Paul about speculation versus investment, forced appreciation, and a variety of other topics related to commercial real estate investing. He shares how risky speculating can really dip into your net worth and how proper investing can increase it significantly. Paul is very knowledgeable about investing in commercial real estate, specifically multi-family, self-storage and mobile home parks.

Paul Moore started his professional life at Ford Motor company. His time there was short as he co-founded a staffing firm, becoming a finalist for Michigan Entrepreneur of the Year, two years in a row. Paul and his partner sold their staffing firm to a large publicly traded company and began investing in real estate. He later founded multiple investment and development companies, appeared on HGTV and is contributor to FOX Business and Bigger Pockets. Paul is the co-host on two podcasts called The Art of Investing and How to Lose Money.

Mentions: Bigger Pockets, Brandon Turner

Check out Paul’s links below:
Website: www.wellingscapital.com
Twitter: https://twitter.com/PaulMooreInvest
Facebook: https://www.facebook.com/wellingscapital
LinkedIn: www.linkedin.com/in/paul-moore-3255924
The How to Lose Money Podcast: https://podcasts.apple.com/us/podcast/how-to-lose-money/id1170805348

Average Joe Finances
Our social media links are all on our Flow Page below:
🌐 Flow Page: https://flow.page/avgjoefinances
🌐 Check out: https://averagejoefinances.com
🏡 Buying or Selling a House? https://averagejoefinances.com/realtor
🏘 Interested in getting your real estate license? https://averagejoefinances.com/prepagent
💰 Free Stocks: Robinhood: https://averagejoefinances.com/robinhood | Webull: https://averagejoefinances.com/webull | SoFi: https://averagejoefinances.com/sofi-invest
📋 Consolidate debt: https://averagejoefinances.com/sofi-loans/
⚠️ Life Insurance: https://averagejoefinances.com/ladder
💎 Average Joe Finances Swag: https://averagejoefinances.com/resources/shop

🚧 DISCLAIMER 🚧 On this channel I share my thoughts, opinions, and own journey to financial freedom. We also bring on guests to share their experiences as well. I am a licensed REALTOR-ASSOCIATE® however, I am not a CPA, attorney, insurance, contractor, lender, or financial advisor. The content on this page shall not be construed as tax, legal, insurance, financial advice, or other and may be outdated or inaccurate; it is your responsibility to verify all information yourself. I hope you enjoy our content and join in on this financial freedom adventure! https://averagejoefinances.com/disclaimer

If you are interested in writing for Average Joe Finances or joining us for an interview on the podcast, please email me at 📬 averagejoe@averagejoefinances.com


Tropical Sensation by Mike Leite https://soundcloud.com/mikeleite Creative Commons — Attribution 3.0 Unported — CC BY 3.0 Free Download / Stream: https://bit.ly/-tropical-sensation Music promoted by Audio Library https://youtu.be/Hc6r06k-ADA

Support the show (https://www.buymeacoffee.com/avgjoefinances)

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In this episode I interview David Essel. David and I discuss how he overcame addiction and completely change his life. We talk about the conscious and subconscious mind and how it affects our thinking related to finances. David is a plethora of information and provides some real life-altering advice.

David Essel, M. S. O.M., is a number one best-selling author, counselor, master life coach, international speaker and minister whose mission is to positively affect 2 million people or more every day, in every area of life, regardless of their current circumstances. Celebrity Jenny McCarthy says “David Essel is the new leader of the positive thinking movement.” His newest book went #1 bestseller in 3 months, a mystical romance novel set in the Hawaiian Islands called " Angel on a Surfboard", which offers the 6 keys to deep love.

Another #1 best seller ” FOCUS! SLAY YOUR GOALS…THE PROVEN GUIDE TO HUGE SUCCESS, A POWERFUL ATTITUDE AND PROFOUND LOVE”, was recently selected by the influential blog bookauthority.org as one of the top 100 GOAL SETTING BOOKS OF ALL TIME!

David’s work of 38 years is also highly endorsed by the late Wayne Dyer, “Chicken Soup for the Soul” author Mark Victor Hansen, as well as many other celebrities and radio and television networks from around the world. He is verified through Psychology Today as one of the top Counselors and Life Coaches in the USA, and is verified through Marriage.com as one of the top relationship counselors and coaches in the world.

Check out David’s links below:
Website: www.DavidEssel.com
Twitter: www.twitter.com/DavidEssel
Facebook: www.Facebook.com/DavidEssel
Instagram: www.Instagram.com/DavidEssel

Average Joe Finances
Our social media links are all on our Flow Page below:
🌐 Flow Page: https://flow.page/avgjoefinances
🌐 Check out: https://averagejoefinances.com
🏡 Buying or Selling a House? https://averagejoefinances.com/realtor
🏘 Interested in getting your real estate license? https://averagejoefinances.com/prepagent
💰 Free Stocks: Robinhood: https://averagejoefinances.com/robinhood | Webull: https://averagejoefinances.com/webull | SoFi: https://averagejoefinances.com/sofi-invest
📋 Consolidate debt: https://averagejoefinances.com/sofi-loans/
⚠️ Life Insurance: https://averagejoefinances.com/ladder
💎 Average Joe Finances Swag: https://averagejoefinances.com/resources/shop

🚧 DISCLAIMER 🚧 On this channel I share my thoughts, opinions, and own journey to financial freedom. We also bring on guests to share their experiences as well. I am a licensed REALTOR-ASSOCIATE® however, I am not a CPA, attorney, insurance, contractor, lender, or financial advisor. The content on this page shall not be construed as tax, legal, insurance, financial advice, or other and may be outdated or inaccurate; it is your responsibility to verify all information yourself. I hope you enjoy our content and join in on this financial freedom adventure! https://averagejoefinances.com/disclaimer

If you are interested in writing for Average Joe Finances or joining us for an interview on the podcast, please email me at 📬 averagejoe@averagejoefinances.com


Tropical Sensation by Mike Leite https://soundcloud.com/mikeleite Creative Commons — Attribution 3.0 Unported — CC BY 3.0 Free Download / Stream: https://bit.ly/-tropical-sensation Music promoted by Audio Library https://youtu.be/Hc6r06k-ADA

Support the show (https://www.buymeacoffee.com/avgjoefinances)

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In this episode we welcome our guest Chris Miles. Chris and I discuss how he became the “Anti-Financial Advisor” and explains how he discovered his passion for passive income. There are some golden nuggets in this episode that made me think twice about my own investments and investment strategies. This is one of those episodes that can be life changing to someone. Chris really surprised me with how he changed his own investment strategy when he realized there were better ways to build passive cash flow.

Chris Miles, the Cash Flow Expert and Anti-Financial Advisor, is a leading authority teaching entrepreneurs and professionals how to get their money working for them TODAY! He’s an author, podcast host of the Chris Miles Money Show, has been featured in US News, CNN Money, EOFire, and has a proven reputation with his company, Money Ripples getting his clients fast, life-altering financial results. In fact, his personal clients have increased their cash flow by over $200 Million in the last 10 years!

Check out Chris’ links below:
Website: www.moneyripples.com
LinkedIn: https://www.linkedin.com/in/chriscmiles
Facebook: www.facebook.com/moneyripples
Instagram: https://www.instagram.com/chriscmiles
Check out his Podcast The Chris Miles Money Show: https://podcasts.apple.com/us/podcast/the-chris-miles-money-show/id895555599

Average Joe Finances:

Our social media links can be found here: flow.page/avgjoefinances

🌐 Check out: averagejoefinances.com

⚖️ Balance Your Portfolio with Passiv: averagejoefinances.com/passiv

🏡 Buying or Selling a House? averagejoefinances.com/realtor

🏘 Interested in getting your real estate license? averagejoefinances.com/prepagent

🎥 Use the same Audio/Video Editing Team that I use: editpods.com

📢 Host your own Podcast here: averagejoefinances.com/buzzsprout

📋 Social Media Management Tool: averagejoefinances.com/social-media

💰 Free Stocks:

Robinhood: averagejoefinances.com/robinhood

Webull: averagejoefinances.com/webull

📋 Consolidate debt: averagejoefinances.com/sofi-loans/

⚠️ Life Insurance: averagejoefinances.com/ladder

☕️ Support the Show: buymeacoffee.com/avgjoefinances

💎 Average Joe Finances Swag: averagejoefinances.com/resources/shop

🚧DISCLAIMER 🚧 averagejoefinances.com/disclaimer

If you are interested in writing for Average Joe Finances or joining us for an interview on the podcast, please visit https://averagejoefinances.com/contact


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In this episode I talk about setting goals for the new year and why it’s important… at least to me. I also talk about how we shouldn’t just be focused on one year, but have a long-range plan for at least five years out. This bonus episode is meant to help motivate you into holding yourself accountable to get out there and crush it this year! Thanks for listening and please leave us a review. It helps us out tremendously.

Average Joe Finances:

Our social media links can be found here: flow.page/avgjoefinances

🌐 Check out: averagejoefinances.com

⚖️ Balance Your Portfolio with Passiv: averagejoefinances.com/passiv

🏡 Buying or Selling a House? averagejoefinances.com/realtor

🏘 Interested in getting your real estate license? averagejoefinances.com/prepagent

🎥 Use the same Audio/Video Editing Team that I use: editpods.com

📢 Host your own Podcast here: averagejoefinances.com/buzzsprout

📋 Social Media Management Tool: averagejoefinances.com/social-media

💰 Free Stocks:

Robinhood: averagejoefinances.com/robinhood

Webull: averagejoefinances.com/webull

📋 Consolidate debt: averagejoefinances.com/sofi-loans/

⚠️ Life Insurance: averagejoefinances.com/ladder

☕️ Support the Show: buymeacoffee.com/avgjoefinances

💎 Average Joe Finances Swag: averagejoefinances.com/resources/shop

🚧DISCLAIMER 🚧 averagejoefinances.com/disclaimer

If you are interested in writing for Average Joe Finances or joining us for an interview on the podcast, please visit https://averagejoefinances.com/contact


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In this episode we welcome our guest Ted McLyman, Author | Entrepreneur | Business Owner | Speaker | Trainer | Lt Col, USMC (Ret) | Ironman Triathlete. Ted discusses discuss how conventional wisdom about money is wrong and how emotions are tied to money. He explains how money success is about knowing your natural money temperament and managing your behavior, and then, your money. Ted and I share an awesome dialogue that will resonate with everyone, especially our military population of listeners. There are gems in this episode for people that are just getting started on their financial freedom journey and for more seasoned listeners. You don’t want to miss it!Ted has over 30 years of award-winning experience, helping individuals and organizations achieve peak performance. He is the founder of Apexx Behavioral Financial Group and Pathfinder Coaches Academy; Director, Behavioral Finance, and Advisory Board Member at www.DreamSmartAcademy.com; retired financial advisor/agent; economics instructor at the US Naval Academy; Aide to the Under Secretary of the Navy for Financial Management; Head, Marine Corp Training Management Division; Commander, USMC Financial Management School; artillery officer; Executive Office, Battle Assessment Team, Operation Desert Storm. Ted holds a BA Social Relations from Colgate University; MA Public Administration from Pepperdine University; and MS Performance Technology from Boise State University. He authored three books on behavioral finance, money temperament, and spending behavior.

Check out Ted’s links below:
Website: www.tedmclyman.com
LinkedIn: https://www.linkedin.com/in/ted-mclyman
Facebook: https://www.facebook.com/TedMcLyman
Facebook Group: https://www.facebook.com/groups/WhatsYourMoneyTemperament/learning_content/Twitter: https://twitter.com/TedMcLyman
Instagram: https://www.instagram.com/tedmclyman
YouTube: https://www.youtube.com/channel/UCPin5wrsMoqEx34B1DFLX2AAmazon Author Page and link to books: https://www.amazon.com/Ted-McLyman/e/B004BF4HKO

Average Joe Finances:

Our social media links can be found here: flow.page/avgjoefinances

🌐 Check out: averagejoefinances.com

⚖️ Balance Your Portfolio with Passiv: averagejoefinances.com/passiv

🏡 Buying or Selling a House? averagejoefinances.com/realtor

🏘 Interested in getting your real estate license? averagejoefinances.com/prepagent

🎥 Use the same Audio/Video Editing Team that I use: editpods.com

📢 Host your own Podcast here: averagejoefinances.com/buzzsprout

📋 Social Media Management Tool: averagejoefinances.com/social-media

💰 Free Stocks:

Robinhood: averagejoefinances.com/robinhood

Webull: averagejoefinances.com/webull

📋 Consolidate debt: averagejoefinances.com/sofi-loans/

⚠️ Life Insurance: averagejoefinances.com/ladder

☕️ Support the Show: buymeacoffee.com/avgjoefinances

💎 Average Joe Finances Swag: averagejoefinances.com/resources/shop

🚧DISCLAIMER 🚧 averagejoefinances.com/disclaimer

If you are interested in writing for Average Joe Finances or joining us for an interview on the podcast, please visit https://averagejoefinances.com/contact


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In this episode we discuss when you should use a financial coach or a financial advisor with the founder of Wealthtender, Brian Thorp. We discussed in detail about when it’s appropriate to use a coach or an advisor. We also spoke about how it’s important to have that person to help hold you accountable in your own financial journey.

In 2019, Brian left his high paying six-figure financial services career in Texas to launch a startup. Crazy? Perhaps! He started working remotely from a small beach town in Mexico building a business to help millions of Americans achieve their financial goals. Everyone's finances have been impacted by the pandemic and the need for useful advice and guidance has become more important than ever. Brian believes there's never been a better time for our audience to find help with money matters from someone they can trust who truly understands their individual needs. He’s a huge fan of technology, but when it comes to financial advice and guidance, he explains why he believes artificial intelligence is no substitute for actual human intelligence.

Check out Brian’s links below:
Website: https://averagejoe finances.com/wealthtender
LinkedIn: https://www.linkedin.com/in/briancthorp
LinkedIn Group: https://www.linkedin.com/company/wealthtender
Facebook: https://www.facebook.com/wealthtender
Twitter: https://www.twitter.com/wealthtenderInstagram: https://www.instagram.com/wealthtender

Average Joe Finances:

Our social media links can be found here: flow.page/avgjoefinances

🌐 Check out: averagejoefinances.com

⚖️ Balance Your Portfolio with Passiv: averagejoefinances.com/passiv

🏡 Buying or Selling a House? averagejoefinances.com/realtor

🏘 Interested in getting your real estate license? averagejoefinances.com/prepagent

🎥 Use the same Audio/Video Editing Team that I use: editpods.com

📢 Host your own Podcast here: averagejoefinances.com/buzzsprout

📋 Social Media Management Tool: averagejoefinances.com/social-media

💰 Free Stocks:

Robinhood: averagejoefinances.com/robinhood

Webull: averagejoefinances.com/webull

📋 Consolidate debt: averagejoefinances.com/sofi-loans/

⚠️ Life Insurance: averagejoefinances.com/ladder

☕️ Support the Show: buymeacoffee.com/avgjoefinances

💎 Average Joe Finances Swag: averagejoefinances.com/resources/shop

🚧DISCLAIMER 🚧 averagejoefinances.com/disclaimer

If you are interested in writing for Average Joe Finances or joining us for an interview on the podcast, please visit https://averagejoefinances.com/contact


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In this episode with Anthanē Richie from Rich State of Mind, we discuss how he got started in his own journey into financial independence using real estate as his vehicle. He is a newer investor and gives a great perspective on his first investment properties. He is currently serving in the U.S. Navy and was recently selected for Chief Petty Officer. In the Navy, that is a significant milestone that he has achieved. It goes to show his determination in everything that he does. We talk a little bit about his career in the Navy and what drove his mindset to pursue financial independence. He talks about his partner Amyra and how she is integral to his operation. Side note, I have known Amyra for almost 18 years as we served on the same ship together just about 18 years ago. What a small world! Check out this episode and enjoy. I was also interviewed by Anthanē on his podcast (when my mic wasn’t working on Zoom) and you can hear that by checking out his podcast links below.

Mentions: Bigger Pockets

Check out Anthanē’s links below:
Website: www.richstateofmind.com
Instagram: https://instagram.com/rich_statebrand and https://instagram.com/rich_invests_
Rich State of Mind Podcast Links:
https://podcasts.apple.com/us/podcast/rich-state-of-mind/id1522296714
https://open.spotify.com/show/43FZPOnHaJn0OaskUR0CaG

Average Joe Finances:

Our social media links can be found here: flow.page/avgjoefinances

🌐 Check out: averagejoefinances.com

⚖️ Balance Your Portfolio with Passiv: averagejoefinances.com/passiv

🏡 Buying or Selling a House? averagejoefinances.com/realtor

🏘 Interested in getting your real estate license? averagejoefinances.com/prepagent

🎥 Use the same Audio/Video Editing Team that I use: editpods.com

📢 Host your own Podcast here: averagejoefinances.com/buzzsprout

📋 Social Media Management Tool: averagejoefinances.com/social-media

💰 Free Stocks:

Robinhood: averagejoefinances.com/robinhood

Webull: averagejoefinances.com/webull

📋 Consolidate debt: averagejoefinances.com/sofi-loans/

⚠️ Life Insurance: averagejoefinances.com/ladder

☕️ Support the Show: buymeacoffee.com/avgjoefinances

💎 Average Joe Finances Swag: averagejoefinances.com/resources/shop

🚧DISCLAIMER 🚧 averagejoefinances.com/disclaimer

If you are interested in writing for Average Joe Finances or joining us for an interview on the podcast, please visit https://averagejoefinances.com/contact


Tropical Sensation by Mike Leite soundcloud.com/mikeleite Creative Commons — Attribution 3.0 Unported — CC BY 3.0 Free Download / Stream: https://bit.ly/-tropical-sensation

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In this episode with Kyle Robertson, we discuss how he got started in real estate. He explains how he managed to get some great deals including when he bought a storage facility. During his journey he explains how he was able to double his gains with that commercial property to jump start the growth of his portfolio. He discusses pressing the reset button with his family, selling everything, and starting over. That sounds scary doesn’t it? Well Kyle and his wife made it work. After hitting that reset button, they went on to purchase a few small apartment buildings totaling 50 doors. You have to listen to this episode and hear this awesome story.

Kyle Robertson is 36 years old, married and has three awesome kids residing in Oregon. He spent some of his school age in the Midwest in Missouri. That time in particular is kind of what drew him to that section of the United States when he got the bug to start investing.

You reach out directly to Kyle here:
Facebook Page: https://www.facebook.com/joecapitalgroupusa

Average Joe Finances:

Our social media links can be found here: flow.page/avgjoefinances

🌐 Check out: averagejoefinances.com

⚖️ Balance Your Portfolio with Passiv: averagejoefinances.com/passiv

🏡 Buying or Selling a House? averagejoefinances.com/realtor

🏘 Interested in getting your real estate license? averagejoefinances.com/prepagent

🎥 Use the same Audio/Video Editing Team that I use: editpods.com

📢 Host your own Podcast here: averagejoefinances.com/buzzsprout

📋 Social Media Management Tool: averagejoefinances.com/social-media

💰 Free Stocks:

Robinhood: averagejoefinances.com/robinhood

Webull: averagejoefinances.com/webull

📋 Consolidate debt: averagejoefinances.com/sofi-loans/

⚠️ Life Insurance: averagejoefinances.com/ladder

☕️ Support the Show: buymeacoffee.com/avgjoefinances

💎 Average Joe Finances Swag: averagejoefinances.com/resources/shop

🚧DISCLAIMER 🚧 averagejoefinances.com/disclaimer

If you are interested in writing for Average Joe Finances or joining us for an interview on the podcast, please visit https://averagejoefinances.com/contact


Tropical Sensation by Mike Leite soundcloud.com/mikeleite Creative Commons — Attribution 3.0 Unported — CC BY 3.0 Free Download / Stream: https://bit.ly/-tropical-sensation

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In this episode we interview Tim Carmon. Tim and I served together in the Navy at the same command a few years ago. Tim has always been a go getter and it certainly showed in his Navy career. Tim and I were catching up on LinkedIn and started talking real estate and I asked him to come on and share his story with what he’s been doing. He explained how he was able to build a great relationship with his lender at a local bank to work out different finance options. Tim and his brother are putting in some great efforts to beautify and restore the local community that they invest in. It’s really neat to see a real estate investor putting in that extra effort to help and show how much they care.

Tim retired from the Navy after serving for 28 years. His goal was to have a few houses as rental properties before retiring. He wanted to build up his monthly income to accompany his retirement check. Both him and his brother do a lot of their own work to fix up the properties they buy.

You reach out directly to Tim here: tcarmon747@gmail.com
LinkedIn: https://www.linkedin.com/in/timothy-carmon-86551b152/

Mentions: Active Duty Passive Income (ADPI)

Average Joe Finances
Our social media links are all on our Flow Page below:
🌐 Flow Page: https://flow.page/avgjoefinances
🌐 Check out: https://averagejoefinances.com
🏡 Buying or Selling a House? https://averagejoefinances.com/realtor
🏘 Interested in getting your real estate license? https://averagejoefinances.com/prepagent
💰 Free Stocks: Robinhood: https://averagejoefinances.com/robinhood | Webull: https://averagejoefinances.com/webull | SoFi: https://averagejoefinances.com/sofi-invest
📋 Consolidate debt: https://averagejoefinances.com/sofi-loans/
⚠️ Life Insurance: https://averagejoefinances.com/ladder
💎 Average Joe Finances Swag: https://averagejoefinances.com/resources/shop

🚧 DISCLAIMER 🚧 On this channel I share my thoughts, opinions, and own journey to financial freedom. We also bring on guests to share their experiences as well. I am a licensed REALTOR-ASSOCIATE®, however I am not a CPA, attorney, insurance, contractor, lender, or financial advisor. The content on this page shall not be construed as tax, legal, insurance, financial advice, or other and may be outdated or inaccurate; it is your responsibility to verify all information yourself. I hope you enjoy our content and join in on this financial freedom adventure! https://averagejoefinances.com/disclaimer

If you are interested in writing for Average Joe Finances or joining us for an interview on the podcast, please email me at 📬 averagejoe@averagejoefinances.com


Tropical Sensation by Mike Leite https://soundcloud.com/mikeleite Creative Commons — Attribution 3.0 Unported — CC BY 3.0 Free Download / Stream: https://bit.ly/-tropical-sensation Music promoted by Audio Library https://youtu.be/Hc6r06k-ADA

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In this episode we interview Greg Junge. We had a great discussion about real estate syndications, turn-key investments, and success mindsets. Greg recently co-authored Success Habits of Super Achievers. The book features lessons from Darren Hardy, Les Brown, Brian Tracy, Mark Victor Hansen, and many other authority figures.

Greg grew up on Long Island, NY, and currently resides in Phoenix, AZ with his wife Mandy and their dog Buster. He has been a full time Realtor since 2015 and real estate investor since 2012. Greg is into sports, reading, personal development, and most things real estate investing related.

You can find out more about Greg here:
Website: www.SevenFigureCapital.com
Facebook: https://www.facebook.com/greggers19
LinkedIn: https://www.linkedin.com/in/gregoryjunge

Average Joe Finances
Our social media links are all on our Flow Page below:
🌐 Flow Page: https://flow.page/avgjoefinances
🌐 Check out: https://averagejoefinances.com
🏡 Buying or Selling a House? https://averagejoefinances.com/realtor
🏘 Interested in getting your real estate license? https://averagejoefinances.com/prepagent
💰 Free Stocks: Robinhood: https://averagejoefinances.com/robinhood | Webull: https://averagejoefinances.com/webull | SoFi: https://averagejoefinances.com/sofi-invest
💰 Consolidate debt: https://averagejoefinances.com/sofi-loans/
⚠️ Life Insurance: https://averagejoefinances.com/ladder
📚 Average Joe Finances Swag: https://averagejoefinances.com/resources/shop

🚧 DISCLAIMER 🚧 On this channel I share my thoughts, opinions, and own journey to financial freedom. We also bring on guests to share their experiences as well. I am not a CPA, attorney, insurance, contractor, lender, or financial advisor. The content on this page shall not be construed as tax, legal, insurance, financial advice, or other and may be outdated or inaccurate; it is your responsibility to verify all information yourself. I hope you enjoy our content and join in on this financial freedom adventure! https://averagejoefinances.com/disclaimer

If you are interested in writing for Average Joe Finances or joining us for an interview for a future podcast and video, please email me at 📬 averagejoe@averagejoefinances.com


Tropical Sensation by Mike Leite https://soundcloud.com/mikeleite Creative Commons — Attribution 3.0 Unported — CC BY 3.0 Free Download / Stream: https://bit.ly/-tropical-sensation Music promoted by Audio Library https://youtu.be/Hc6r06k-ADA

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In this episode we interview Jay Sooknanan. We talk about a variety of topics and he shares his story of personal growth and development. He shares with me how a life coach was able to change the trajectory of his life and how he changed his mindset to find his purpose. He is now a life coach himself and a successful entrepreneur focused on becoming financially independent. His reasoning behind it is not just for himself and his family, but to help others. I had a great time talking with Jay and listening to his story. Be sure to check it out.

Jay Sooknanan is a Health and Wellness Coach, a published author, and a business owner. He supports people and communities to live abundantly through well-rounded finances, health practices, and practices of well-being.

You can find out more about Jay here:
Website: http://bodymindandsoulbms.com
Facebook: https://www.facebook.com/jay.sooknanan.3
Instagram: https://instagram.com/jayfaith512

Average Joe Finances
Our social media links are all on our Flow Page below:
🌐 Flow Page: https://flow.page/avgjoefinances
🌐 Check out: https://averagejoefinances.com
🏡 Buying or Selling a House? https://averagejoefinances.com/realtor
🏘 Interested in getting your real estate license? https://averagejoefinances.com/prepagent
💰 Free Stocks: Robinhood: https://averagejoefinances.com/robinhood | Webull: https://averagejoefinances.com/webull | SoFi: https://averagejoefinances.com/sofi-invest
💰 Consolidate debt: https://averagejoefinances.com/sofi-loans/
⚠️ Life Insurance: https://averagejoefinances.com/ladder
📚 Average Joe Finances Swag: https://averagejoefinances.com/resources/shop

🚧 DISCLAIMER 🚧 On this channel I share my thoughts, opinions, and own journey to financial freedom. We also bring on guests to share their experiences as well. I am not a CPA, attorney, insurance, contractor, lender, or financial advisor. The content on this page shall not be construed as tax, legal, insurance, financial advice, or other and may be outdated or inaccurate; it is your responsibility to verify all information yourself. I hope you enjoy our content and join in on this financial freedom adventure! https://averagejoefinances.com/disclaimer

If you are interested in writing for Average Joe Finances or joining us for an interview for a future podcast and video, pleased email me at 📬 averagejoe@averagejoefinances.com


Tropical Sensation by Mike Leite https://soundcloud.com/mikeleite Creative Commons — Attribution 3.0 Unported — CC BY 3.0 Free Download / Stream: https://bit.ly/-tropical-sensation Music promoted by Audio Library https://youtu.be/Hc6r06k-ADA

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In this episode we interview Erik Engebretson. Erik explains how he built his partnership and his real estate portfolio of 50/50 short-term and traditional rental properties. By short-term rentals, we aren’t talking AirBnB or Vacation Rentals… We are talking about one to six-month rentals. We also covered finding that work-life balance on your financial freedom journey. Don't miss out!

Erik Engebretson is the founder and CEO of EME Companies. Erik is an entrepreneur, real estate investor and expert in real estate finance. He has been investing in real estate since the age of 18. Erik owns and manages two real estate portfolios. Both are a 50/50 mix of short term furnished and traditional buy and hold rentals. Erik is also part owner and CFO for Guild Dream Homes, which is a fix and flip business. Along with being a full-time real estate investor, he has also worked as a mortgage banker/loan officer for ten years. Erik has a bachelor’s degree in finance and he minored in accounting. As a loan officer he has assisted many first-time home buyers. Through all of these interactions he has learned the themes of what makes (or doesn’t) make people financially successful.

You can find out more about Erik here:
Facebook: https://www.facebook.com/erik.engebretson.98
Instagram: https://instagram.com/eengebre?igshid=1bnk25fi56m1m
LinkedIn: https://www.linkedin.com/in/erik-engebretson-06a52517

Average Joe Finances
Our social media links are all on our Flow Page below:
🌐 Flow Page: https://flow.page/avgjoefinances
🌐 Check out: https://averagejoefinances.com
🏡 Buying or Selling a House? https://averagejoefinances.com/realtor
🏘 Interested in getting your real estate license? https://averagejoefinances.com/prepagent
💰 Free Stocks: Robinhood: https://averagejoefinances.com/robinhood | Webull: https://averagejoefinances.com/webull | SoFi: https://averagejoefinances.com/sofi-invest
💰 Consolidate debt: https://averagejoefinances.com/sofi-loans
⚠️ Life Insurance: https://averagejoefinances.com/ladder
📚 Average Joe Finances Swag: https://averagejoefinances.com/resources/shop

🚧 DISCLAIMER 🚧 On this channel I share my thoughts, opinions, and own journey to financial freedom. We also bring on guests to share their experiences as well. I am not a CPA, attorney, insurance, contractor, lender, or financial advisor. The content on this page shall not be construed as tax, legal, insurance, financial advice, or other and may be outdated or inaccurate; it is your responsibility to verify all information yourself. I hope you enjoy our content and join in on this financial freedom adventure! https://averagejoefinances.com/disclaimer

If you are interested in writing for Average Joe Finances or joining us for an interview for a future podcast and video, pleased email me at 📬 averagejoe@averagejoefinances.com


Tropical Sensation by Mike Leite https://soundcloud.com/mikeleite Creative Commons — Attribution 3.0 Unported — CC BY 3.0 Free Download / Stream: https://bit.ly/-tropical-sensation Music promoted by Audio Library https://youtu.be/Hc6r06k-ADA

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This interview with Rocky Lalvani was a great learning experience for me. Rocky is the real deal! Throughout the interview he shares his insights and personal experiences that led to his success. I really enjoyed this interview and felt that I learned quite a bit from Rocky. I think there is something in this episode for everyone. Definitely listen to the whole episode and enjoy.

About Rocky Lalvani: He started with nothing when his parents immigrated to the United States. He was two years old, and his parents were in their 40's. It was his parents' second time starting over in life as they moved to the United States to experience the American dream. In spite of a lot of struggles and his mom passing away when he was 7, he has been able to achieve financial success. Rocky has learned how to create harmony with health, wealth, time, relationships, and spirituality in his own personal development journey. The core is being clear in your purpose and having a growth mindset to achieve success. These principles have allowed Rocky to become a multi-millionaire.
Rocky’s links:
http://richersoul.com
https://profitcomesfirst.com
https://www.facebook.com/richersoul
https://www.facebook.com/ProfitComesFirst/
https://www.linkedin.com/in/rocky-lalvani/
https://twitter.com/rockylalvani
https://instagram.com/richer.soul

Average Joe Finances:

Our social media links can be found here: flow.page/avgjoefinances

🌐 Check out: averagejoefinances.com

⚖️ Balance Your Portfolio with Passiv: averagejoefinances.com/passiv

🏡 Buying or Selling a House? averagejoefinances.com/realtor

🏘 Interested in getting your real estate license? averagejoefinances.com/prepagent

🎥 Use the same Audio/Video Editing Team that I use: editpods.com

📢 Host your own Podcast here: averagejoefinances.com/buzzsprout

📋 Social Media Management Tool: averagejoefinances.com/social-media

💰 Free Stocks:

Robinhood: averagejoefinances.com/robinhood

Webull: averagejoefinances.com/webull

📋 Consolidate debt: averagejoefinances.com/sofi-loans/

⚠️ Life Insurance: averagejoefinances.com/ladder

☕️ Support the Show: buymeacoffee.com/avgjoefinances

💎 Average Joe Finances Swag: averagejoefinances.com/resources/shop

🚧DISCLAIMER 🚧 averagejoefinances.com/disclaimer

If you are interested in writing for Average Joe Finances or joining us for an interview on the podcast, please visit https://averagejoefinances.com/contact


Tropical Sensation by Mike Leite soundcloud.com/mikeleite Creative Commons — Attribution 3.0 Unported — CC BY 3.0 Free Download / Stream: https://bit.ly/-tropical-sensation

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Show Notes from My Future Business Podcast:

On today’s My Future Business Show I have the pleasure of spending time with property investor and founder of Average Joe Finances Mr. Michael Cavaggioni talking about investing and wealth creation.
Mike grew up on Long Island, NY and enlisted in the Navy at the age of 17 as an E1 (the lowest rank in the military). He worked his way up the enlisted ranks to E6 and an eventual commission as an officer. With 18 years of service and approaching retirement, Mike began focusing on building financial independence and wealth.

Through Average Joe Finance, Mike is on a mission to educate people about wealth creation. To do this, Mike also hosts the Average Joe Finances [AJF] podcast, runs the AJF YouTube channel, and is a contributing writer and editor for the AJF blog.

During today’s call, Mike shares insights into smart investing strategies for millennials, how to “find” money for savings and investments, the keys to building wealth, the value of side hustles, and how to create multiple income streams, passive income and steps you can take in preparing for your retirement.

Mike’s mission with Average Joe Finances is to help people realize their growth potential no matter their income level, and wants to help you become financially independent and wealthy.

Links to the original episode: https://myfuturebusiness.com/mike-cavaggioni/
https://podcasts.bcast.fm/e/2nxx37yn
Average Joe Finances:

Our social media links can be found here: flow.page/avgjoefinances

🌐 Check out: averagejoefinances.com

⚖️ Balance Your Portfolio with Passiv: averagejoefinances.com/passiv

🏡 Buying or Selling a House? averagejoefinances.com/realtor

🏘 Interested in getting your real estate license? averagejoefinances.com/prepagent

🎥 Use the same Audio/Video Editing Team that I use: editpods.com

📢 Host your own Podcast here: averagejoefinances.com/buzzsprout

📋 Social Media Management Tool: averagejoefinances.com/social-media

💰 Free Stocks:

Robinhood: averagejoefinances.com/robinhood

Webull: averagejoefinances.com/webull

📋 Consolidate debt: averagejoefinances.com/sofi-loans/

⚠️ Life Insurance: averagejoefinances.com/ladder

☕️ Support the Show: buymeacoffee.com/avgjoefinances

💎 Average Joe Finances Swag: averagejoefinances.com/resources/shop

🚧DISCLAIMER 🚧 averagejoefinances.com/disclaimer

If you are interested in writing for Average Joe Finances or joining us for an interview on the podcast, please visit https://averagejoefinances.com/contact


Tropical Sensation by Mike Leite soundcloud.com/mikeleite Creative Commons — Attribution 3.0 Unported — CC BY 3.0 Free Download / Stream: https://bit.ly/-tropical-sensation

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Interview James Goi Jr. Part 3. This is part three of exploring James’ book How to Attract Money Using Mind Power. If you haven’t already, go to his website below, snag a copy of the book, and join along as we go through each chapter in detail. Being able to go chapter by chapter with the author really helps put things into a different perspective than just reading it on your own. Join us in this final part of our 3-part journey through How to Attract Money Using Mind Power.

James Goi Jr., aka The Attract Money Guru™, is the bestselling author of How to Attract Money Using Mind Power—a book that set a new standard for concise, no-nonsense, straight-to-the-point self-help books. He condenses and simplifies abstract metaphysical concepts and powerful success principles, making this life-changing information accessible to everyone. James has thus far written 11 books. You can see James in the groundbreaking docudrama, Think and Grow Rich: The Legacy.

You can find out more about James Goi Jr. here: 🌐 https://jamesgoijr.com
Social media:
Facebook Personal Profile: https://www.facebook.com/jamesgoijr
Facebook Author Page: https://www.facebook.com/JamesGoiJrPublicPage/
Facebook Book Page: https://www.facebook.com/HowToAttractMoneyUsingMindPower/
Twitter: https://twitter.com/JamesGoiJr
LinkedIn: https://www.linkedin.com/in/jamesgoijr/

Average Joe Finances
Our social media links are all on our Flow Page below:
Flow Page: 🌐 https://flow.page/avgjoefinances
🌐Check out: https://averagejoefinances.com
🏡Buying or Selling a House? https://averagejoefinances.com/realtor
🏘 Interested in getting your real estate license? https://averagejoefinances.com/prepagent
💰 Free Stocks: Robinhood: https://averagejoefinances.com/robinhood | Webull: https://averagejoefinances.com/webull | SoFi: https://averagejoefinances.com/sofi-invest
💰 Consolidate debt: https://averagejoefinances.com/sofi-loans/
⚠️ Life Insurance: https://averagejoefinances.com/ladder
📚📷🎙 Average Joe Finances’ Amazon Recommendations (Books, Gear, Etc.): https://averagejoefinances.com/resources

🚧 DISCLAIMER 🚧 On this channel I share my thoughts, opinions, and own journey to financial freedom. We also bring on guests to share their experiences as well. I am not a CPA, attorney, insurance, contractor, lender, or financial advisor. The content on this page shall not be construed as tax, legal, insurance, financial advice, or other and may be outdated or inaccurate; it is your responsibility to verify all information yourself. I hope you enjoy our content and join in on this financial freedom adventure! https://averagejoefinances.com/disclaimer

If you are interested in writing for Average Joe Finances or joining us for an interview for a future podcast and video, pleased email me at 📬 averagejoe@averagejoefinances.com

📋Budgeting and Money Management| 🏡 Real Estate Investing | 💰 Investing in the Stock Market. 💎 Join the community and the journey.------------------------------------------------------------------------------------
Tropical Sensation by Mike Leite https://soundcloud.com/mikeleite Creative Commons — Attribution 3.0 Unported — CC BY 3.0 Free Download / Stream: https://bit.ly/-tropical-sensation Music promoted by Audio Library https://youtu.be/Hc6r06k-ADA

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Interview James Goi Jr. Part 2. This is part two of exploring James’ book How to Attract Money Using Mind Power. Go to his website below, snag a copy of the book on his website and join along as we go through each chapter in detail.

James Goi Jr., aka The Attract Money Guru™, is the bestselling author of How to Attract Money Using Mind Power—a book that set a new standard for concise, no-nonsense, straight-to-the-point self-help books. He condenses and simplifies abstract metaphysical concepts and powerful success principles, making this life-changing information accessible to everyone. James has thus far written eleven books. You can see James in the groundbreaking docudrama, Think and Grow Rich: The Legacy.

Note 1: I didn’t realize until halfway through this interview that my microphone was disconnected from Zoom. Sorry for the poor audio quality on my end as it was my laptop microphone that recorded.

You can find out more about James Goi Jr. here: 🌐 https://jamesgoijr.com

Social media:
Facebook Personal Profile: https://www.facebook.com/jamesgoijr
Facebook Author Page: https://www.facebook.com/JamesGoiJrPublicPage/
Facebook Book Page: https://www.facebook.com/HowToAttractMoneyUsingMindPower/
Twitter: https://twitter.com/JamesGoiJr
LinkedIn: https://www.linkedin.com/in/jamesgoijr/

Average Joe Finances

Our social media links are all on our Flow Page below:
Flow Page: 🌐 https://flow.page/avgjoefinances
🌐Check out: https://averagejoefinances.com
🏡Buying or Selling a House? https://averagejoefinances.com/realtor
🏘Interested in getting your real estate license? https://averagejoefinances.com/prepagent
💰Free Stocks: Robinhood: https://averagejoefinances.com/robinhood | Webull: https://averagejoefinances.com/webull | SoFi: https://averagejoefinances.com/sofi-invest
💰Consolidate debt: https://averagejoefinances.com/sofi-loans/
⚠️Life Insurance: https://averagejoefinances.com/ladder
📚📷🎙Average Joe Finances’ Amazon Recommendations (Books, Gear, Etc.): https://averagejoefinances.com/resources

🚧 DISCLAIMER 🚧 On this channel I share my thoughts, opinions, and own journey to financial freedom. We also bring on guests to share their experiences as well. I am not a CPA, attorney, insurance, contractor, lender, or financial advisor. The content on this page shall not be construed as tax, legal, insurance, financial advice, or other and may be outdated or inaccurate; it is your responsibility to verify all information yourself. I hope you enjoy our content and join in on this financial freedom adventure! https://averagejoefinances.com/disclaimer

If you are interested in writing for Average Joe Finances or joining us for an interview for a future podcast and video, pleased email me at 📬 averagejoe@averagejoefinances.com

📋Budgeting and Money Management| 🏡 Real Estate Investing | 💰 Investing in the Stock Market. 💎 Join the community and the journey.------------------------------------------------------------------------------------
Tropical Sensation by Mike Leite https://soundcloud.com/mikeleite Creative Commons — Attribution 3.0 Unported — CC BY 3.0 Free Download / Stream: https://bit.ly/-tropical-sensation Music promoted by Audio Library https://youtu.be/Hc6r06k-ADA

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Interview James Goi Jr. Part 1. We go through James’ book How to Attract Money Using Mind Power. Go to his website below, snag a copy of the book and join along as we go through each chapter in detail. This was a fun interview to have and James shares how events early in his life propelled him to where he is today as an author and as The Attract Money Guru.™

James Goi Jr., aka The Attract Money Guru™, is the bestselling author of How to Attract Money Using Mind Power—a book that set a new standard for concise, no-nonsense, straight-to-the-point self-help books. He condenses and simplifies abstract metaphysical concepts and powerful success principles, making this life-changing information accessible to everyone. James has thus far written eleven books. You can see James in the groundbreaking docudrama, Think and Grow Rich: The Legacy.

Note 1: I didn’t realize until halfway through this interview that my microphone was disconnected from Zoom. Sorry for the poor audio quality on my end as it was my laptop microphone that recorded.

Note 2: This interview was very long so we are breaking it down into a 3-part series. We discuss James’ book and dissect it down chapter by chapter.

You can find out more about James Goi Jr. here: 🌐 https://jamesgoijr.com

Social media:

Facebook Personal Profile: https://www.facebook.com/jamesgoijr

Facebook Author Page: https://www.facebook.com/JamesGoiJrPublicPage/

Facebook Book Page: https://www.facebook.com/HowToAttractMoneyUsingMindPower/

Twitter: https://twitter.com/JamesGoiJr

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

Average Joe Finances

Our social media links are all on our Flow Page below:

Flow Page: 🌐 https://flow.page/avgjoefinances

🌐Check out: https://averagejoefinances.com

🏡Buying or Selling a House? https://averagejoefinances.com/realtor

🏘Interested in getting your real estate license? https://averagejoefinances.com/prepagent

💰 Free Stocks: Robinhood: https://averagejoefinances.com/robinhood | Webull: https://averagejoefinances.com/webull | SoFi https://averagejoefinances.com/sofi-invest

💰 Consolidate your debt: https://averagejoefinances.com/sofi-loans/

⚠️ Life Insurance: https://averagejoefinances.com/ladder

📚📷🎙 Average Joe Finances’ Amazon Recommendations (Books, Gear, Etc.): https://averagejoefinances.com/resources

🚧 DISCLAIMER 🚧 On this channel I share my thoughts, opinions, and own journey to financial freedom. We also bring on guests to share their experiences as well. I am not a CPA, attorney, insurance, contractor, lender, or financial advisor. The content on this page shall not be construed as tax, legal, insurance, financial advice, or other and may be outdated or inaccurate; it is your responsibility to verify all information yourself. I hope you enjoy our content and join in on this financial freedom adventure! https://averagejoefinances.com/disclaimer

If you are interested in writing for Average Joe Finances or joining us for an interview for a future podcast and video, pleased email me at 📬 averagejoe@averagejoefinances.com

Tropical Sensation by Mike Leite https://soundcloud.com/mikeleite Creative Commons — Attribution 3.0 Unported — CC BY 3.0 Free Download / Stream: https://bit.ly/-tropical-sensation Music promoted by Audio Library https://youtu.be/Hc6r06k-ADA

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Dr. Shaun Woodly has dedicated his professional career to education. He is a decorated K-12 teacher, university professor and author whose deep passion and research have allowed him great success as an educator and entrepreneur. He is the architect behind the educator movement “Teach Hustle Inspire” and has written the best-selling book “MC Means Move the Class: How to Spark Engagement and Motivation in Urban and Culturally Diverse Classrooms”. In both education and life, Dr. Woodly believes in having fun! He educates with love, enthusiasm, motivation and hustle!

Note: I didn’t realize until after this interview (and even halfway through my next one) that my microphone disconnected from Zoom. Sorry for the poor audio quality on my end as it was my laptop microphone that recorded.

You can find out more about Dr. Shaun Woodly here:

🌐 www.teachhustleinspire.com
#teachhustleinspire
Facebook: https://www.facebook.com/TeachHustleInspire/
Twitter: https://twitter.com/ShaunWoodly
Instagram: https://www.instagram.com/teachhustleinspire/

Average Joe Finances
Our social media links are all on our Flow Page below.
Flow Page: 🌐 https://flow.page/avgjoefinances
🌐Check out: https://averagejoefinances.com
🏡Buying or Selling a House? https://averagejoefinances.com/realtor
🏘Interested in getting your real estate license? https://averagejoefinances.com/prepagent
💰 Free Stocks: Robinhood: https://averagejoefinances.com/robinhood | Webull: https://averagejoefinances.com/webull | SoFi: https://averagejoefinances.com/sofi-invest
💰Consolidate your debt: https://averagejoefinances.com/sofi-loans/
⚠️Life Insurance: https://averagejoefinances.com/ladder
📚📷🎙 Average Joe Finances’ Amazon Recommendations (Books, Gear, Etc.): https://averagejoefinances.com/resources

🚧 DISCLAIMER 🚧 On this channel I share my thoughts, opinions, and own journey to financial freedom. We also bring on guests to share their experiences as well. I am not a CPA, attorney, insurance, contractor, lender, or financial advisor. The content on this page shall not be construed as tax, legal, insurance, financial advice, or other and may be outdated or inaccurate; it is your responsibility to verify all information yourself. I hope you enjoy our content and join in on this financial freedom adventure! https://averagejoefinances.com/disclaimer

If you are interested in writing for Average Joe Finances or joining us for an interview for a future podcast and video, pleased email me at 📬 averagejoe@averagejoefinances.com

📋Budgeting and Money Management| 🏡 Real Estate Investing | 💰 Investing in the Stock Market. 💎 Join the community and the journey.------------------------------------------------------------------------------------
Tropical Sensation by Mike Leite https://soundcloud.com/mikeleite Creative Commons — Attribution 3.0 Unported — CC BY 3.0 Free Download / Stream: https://bit.ly/-tropical-sensation Music promoted by Audio Library https://youtu.be/Hc6r06k-ADA

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In this episode, I discuss different side hustles you can do. I talk about side hustles I have done in the past as well. This episode is wave-top information in a sea of possibilities. Hopefully this can give you some good ideas of different things you can do to make a little more money during these tough times.

Average Joe Finances
📋Budgeting and Money Management| 🏡 Real Estate Investing | 💰 Investing in the Stock Market. 💎 Join the community and the journey.

Links to all of our social media accounts can be found on our flow page.
🌐 Flow Page: https://flow.page/avgjoefinances

🌐 Check out: https://averagejoefinances.com

🏡Buying or Selling a House? https://averagejoefinances.com/realtor

🏘Interested in getting your real estate license? https://averagejoefinances.com/prepagent

💰 Free Stocks: Robinhood: https://averagejoefinances.com/robinhood | Webull: https://averagejoefinances.com/webull | https://averagejoefinances.com/sofi-invest

💰 Consolidate your debt: https://averagejoefinances.com/sofi-loans/

⚠️ Life Insurance: https://averagejoefinances.com/ladder

📚📷🎙 Average Joe Finances’ Amazon Recommendations (Books, Gear, Etc.): https://averagejoefinances.com/recommended

Mentions: Eric Bowie’s Interview: https://podcasts.apple.com/us/podcast/interview-with-eric-bowie-smart-money-bro-pt-1/id1525238870?i=1000489585151

🚧 DISCLAIMER 🚧 On this channel I share my thoughts, opinions, and own journey to financial freedom. We also bring on guests to share their experiences as well. I am not a CPA, attorney, insurance, contractor, lender, or financial advisor. The content on this page shall not be construed as tax, legal, insurance, financial advice, or other and may be outdated or inaccurate; it is your responsibility to verify all information yourself. I hope you enjoy our content and join in on this financial freedom adventure! https://averagejoefinances.com/disclaimer

If you are interested in writing for Average Joe Finances or joining us for an interview for a future podcast and video, pleased email me at 📬 averagejoe@averagejoefinances.com

Tropical Sensation by Mike Leite https://soundcloud.com/mikeleite Creative Commons — Attribution 3.0 Unported — CC BY 3.0 Free Download / Stream: https://bit.ly/-tropical-sensation Music promoted by Audio Library https://youtu.be/Hc6r06k-ADA

Support the show (https://www.buymeacoffee.com/avgjoefinances)

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In this episode, we interview Jeff Bayless host of The Evolution Podcast and co-host of Journey to Higher Consciousness on YouTube. He shares his story of resilience and overcoming some extreme hardships. I have known Jeff for many years and served with him in the Navy. He talks about this time period in his life and how he went from being essentially homeless, $40k in debt, and in some legal troubles to having $40k in savings and in a much better place mentally and financially.

All of Jeff’s links can be found here: 🌐 https://www.flow.page/jeffbayless_

Books mentions: Start with Why - Simon Sinek, The Five Love Languages – Gary Chapman
Average Joe Finances

📋Budgeting and Money Management| 🏡 Real Estate Investing | 💰 Investing in the Stock Market. 💎 Join the community and the journey.

🌐 https://flow.page/avgjoefinances
🌐 Check out: https://averagejoefinances.com

🏡Buying or Selling a House? https://averagejoefinances.com/realtor

🏘Interested in getting your real estate license? https://averagejoefinances.com/prepagent

💰 Free Stocks: Robinhood: https://averagejoefinances.com/robinhood | Webull: https://averagejoefinances.com/webull | https://averagejoefinances.com/sofi-invest

💰 Consolidate your debt: https://averagejoefinances.com/sofi-loans/

⚠️ Life Insurance: https://averagejoefinances.com/ladder

📚📷🎙 Average Joe Finances’ Amazon Recommendations (Books, Gear, Etc.): https://averagejoefinances.com/resources

🚧 DISCLAIMER 🚧 On this channel I share my thoughts, opinions, and own journey to financial freedom. We also bring on guests to share their experiences as well. I am not a CPA, attorney, insurance, contractor, lender, or financial advisor. The content on this page shall not be construed as tax, legal, insurance, financial advice, or other and may be outdated or inaccurate; it is your responsibility to verify all information yourself. I hope you enjoy our content and join in on this financial freedom adventure! https://averagejoefinances.com/disclaimer

If you are interested in writing for Average Joe Finances or joining us for an interview for a future podcast and video, pleased email me at 📬 averagejoe@averagejoefinances.com

Tropical Sensation by Mike Leite https://soundcloud.com/mikeleite Creative Commons — Attribution 3.0 Unported — CC BY 3.0 Free Download / Stream: https://bit.ly/-tropical-sensation Music promoted by Audio Library https://youtu.be/Hc6r06k-ADA

Support the show (https://www.buymeacoffee.com/avgjoefinances)

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In this episode, we interview Eric Bowie from Smart Money Bro. He shares his story on how he started his journey to financial freedom and how he went from a negative net worth to having a net worth of $600k. This is the final episode in a 3-part series where we discussed the 7 topics below. In this episode we talk about topics 4-7. You don’t want to miss when he talks about his voice over work and pooling family money together. Definitely two topics I found to be very interesting and fun. We talked a little before the show about his passion for the NBA and how he said he could guard Steph Curry… I brought it up during this part of the episode as a joke, but Steph Curry, Eric is calling you out. He said he can guard you. Don’t let him punk you.

Remaining topics of discussion:

  1. Leveraging LinkedIn as a social media platform to build his business.

  2. How to do business with the Federal Government with managing contracts for the government.

  3. How he got into the voice over space. Currently, he makes about $400 to $600 per month doing freelance voice over work on the side.

  4. Pooling Your Family Money. He discusses how he spent the last 5 years meeting with his family once a month and learning the benefits of pooling their family money.

Eric’s Links:

🌐 His Website: https://www.smartmoneybro.com

✅ Facebook: https://www.facebook.com/smartmoneybro

✅ LinkedIn: https://www.linkedin.com/in/ericbowie

✅ Twitter: https://twitter.com/smartmoneybro1

✅ Pinterest: https://pinterest.com/ericbowie0291

Check out his voice over work with NBAWOWTV here: https://www.youtube.com/channel/UCc3ugaTGSV7vhknYrecWLvA

Average Joe Finances:

Our social media links can be found here: flow.page/avgjoefinances

🌐 Check out: averagejoefinances.com

⚖️ Balance Your Portfolio with Passiv: averagejoefinances.com/passiv

🏡 Buying or Selling a House? averagejoefinances.com/realtor

🏘 Interested in getting your real estate license? averagejoefinances.com/prepagent

🎥 Use the same Audio/Video Editing Team that I use: editpods.com

📢 Host your own Podcast here: averagejoefinances.com/buzzsprout

📋 Social Media Management Tool: averagejoefinances.com/social-media

💰 Free Stocks:

Robinhood: averagejoefinances.com/robinhood

Webull: averagejoefinances.com/webull

📋 Consolidate debt: averagejoefinances.com/sofi-loans/

⚠️ Life Insurance: averagejoefinances.com/ladder

☕️ Support the Show: buymeacoffee.com/avgjoefinances

💎 Average Joe Finances Swag: averagejoefinances.com/resources/shop

🚧DISCLAIMER 🚧 averagejoefinances.com/disclaimer

If you are interested in writing for Average Joe Finances or joining us for an interview on the podcast, please visit https://averagejoefinances.com/contact


Tropical Sensation by Mike Leite soundcloud.com/mikeleite Creative Commons — Attribution 3.0 Unported — CC BY 3.0 Free Download / Stream: https://bit.ly/-tropical-sensation

Support the show (https://www.buymeacoffee.com/avgjoefinances)

View Details

In this episode, we interview Eric Bowie from Smart Money Bro. He shares his story on how he started his journey to financial freedom and how he went from a negative net worth to having a net worth of $600k.

This episode is the second in a series where we discuss the topic number 3 of the 7 different topics below.

  1. How and why Eric started an eBay business that paid for his daughters way through college.
  2. His journey in real estate and single-family rentals.
    3. 1 on 1 coaching where he goes over the 4 principles to maximizing personal finances. Money Mindset, Money Mainstays, Money Management, and Money Multipliers.4. Leveraging LinkedIn as a social media platform to build his business.
  3. How to do business with the Federal Government with managing contracts for the government.
  4. How he got into the voice over space. Currently, he makes about $400 to $600 per month doing freelance voice over work on the side.
  5. Pooling Your Family Money. He discusses how he spent the last 5 years meeting with his family once a month and learning the benefits of pooling their family money.

Eric’s Links:
🌐 https://www.smartmoneybro.com
✅https://www.facebook.com/smartmoneybro
✅https://www.linkedin.com/in/ericbowie
✅https://twitter.com/smartmoneybro1
✅https://pinterest.com/ericbowie0291

Average Joe Finances:

Our social media links can be found here: flow.page/avgjoefinances

🌐 Check out: averagejoefinances.com

⚖️ Balance Your Portfolio with Passiv: averagejoefinances.com/passiv

🏡 Buying or Selling a House? averagejoefinances.com/realtor

🏘 Interested in getting your real estate license? averagejoefinances.com/prepagent

🎥 Use the same Audio/Video Editing Team that I use: editpods.com

📢 Host your own Podcast here: averagejoefinances.com/buzzsprout

📋 Social Media Management Tool: averagejoefinances.com/social-media

💰 Free Stocks:

Robinhood: averagejoefinances.com/robinhood

Webull: averagejoefinances.com/webull

📋 Consolidate debt: averagejoefinances.com/sofi-loans/

⚠️ Life Insurance: averagejoefinances.com/ladder

☕️ Support the Show: buymeacoffee.com/avgjoefinances

💎 Average Joe Finances Swag: averagejoefinances.com/resources/shop

🚧DISCLAIMER 🚧 averagejoefinances.com/disclaimer

If you are interested in writing for Average Joe Finances or joining us for an interview on the podcast, please visit https://averagejoefinances.com/contact


Tropical Sensation by Mike Leite soundcloud.com/mikeleite Creative Commons — Attribution 3.0 Unported — CC BY 3.0 Free Download / Stream: https://bit.ly/-tropical-sensation

Support the show (https://www.buymeacoffee.com/avgjoefinances)

View Details

In this episode, we interview Eric Bowie from Smart Money Bro. He shares his story on how he started his journey to financial freedom and how he went from a negative net worth to having a net worth of $600k.
This episode is the first in a series where we discuss the first 2 of the 7 different topics below.

  1. How and why Eric started an eBay business that paid for his daughters way through college.
  2. His journey in real estate and single-family rentals.
  3. 1 on 1 coaching where he goes over the 4 principles to maximizing personal finances. Money Mindset, Money Mainstays, Money Management, and Money Multipliers.
  4. Leveraging LinkedIn as a social media platform to build his business.
  5. How to do business with the Federal Government with managing contracts for the government.
  6. How he got into the voice over space. Currently, he makes about $400 to $600 per month doing freelance voice over work on the side.
  7. Pooling Your Family Money. He discusses how he spent the last 5 years meeting with his family once a month and learning the benefits of pooling their family money.

Eric’s Links:
🌐 https://www.smartmoneybro.com
✅https://www.facebook.com/smartmoneybro
✅https://www.linkedin.com/in/ericbowie
✅https://twitter.com/smartmoneybro1
✅https://pinterest.com/ericbowie0291

Average Joe Finances:

Our social media links can be found here: flow.page/avgjoefinances

🌐 Check out: averagejoefinances.com

⚖️ Balance Your Portfolio with Passiv: averagejoefinances.com/passiv

🏡 Buying or Selling a House? averagejoefinances.com/realtor

🏘 Interested in getting your real estate license? averagejoefinances.com/prepagent

🎥 Use the same Audio/Video Editing Team that I use: editpods.com

📢 Host your own Podcast here: averagejoefinances.com/buzzsprout

📋 Social Media Management Tool: averagejoefinances.com/social-media

💰 Free Stocks:

Robinhood: averagejoefinances.com/robinhood

Webull: averagejoefinances.com/webull

📋 Consolidate debt: averagejoefinances.com/sofi-loans/

⚠️ Life Insurance: averagejoefinances.com/ladder

☕️ Support the Show: buymeacoffee.com/avgjoefinances

💎 Average Joe Finances Swag: averagejoefinances.com/resources/shop

🚧DISCLAIMER 🚧 averagejoefinances.com/disclaimer

If you are interested in writing for Average Joe Finances or joining us for an interview on the podcast, please visit https://averagejoefinances.com/contact


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In this episode, we go over my start into multi-family real estate investing. I dive into details and share how I purchased my first multi-family investment property. Check it out and see if this might be an investment you may want to do in the future.

Average Joe Finances:

Our social media links can be found here: flow.page/avgjoefinances

🌐 Check out: averagejoefinances.com

⚖️ Balance Your Portfolio with Passiv: averagejoefinances.com/passiv

🏡 Buying or Selling a House? averagejoefinances.com/realtor

🏘 Interested in getting your real estate license? averagejoefinances.com/prepagent

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📢 Host your own Podcast here: averagejoefinances.com/buzzsprout

📋 Social Media Management Tool: averagejoefinances.com/social-media

💰 Free Stocks:

Robinhood: averagejoefinances.com/robinhood

Webull: averagejoefinances.com/webull

📋 Consolidate debt: averagejoefinances.com/sofi-loans/

⚠️ Life Insurance: averagejoefinances.com/ladder

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🚧DISCLAIMER 🚧 averagejoefinances.com/disclaimer

If you are interested in writing for Average Joe Finances or joining us for an interview on the podcast, please visit https://averagejoefinances.com/contact


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In this episode, we interview Christine Teh from Teh Financial Coaching. She shares her unique perspective on building a relationship with money and how it should be treated the same way any other healthy relationship should be treated.

Christine Teh is a second-generation Chinese born and raised in the Philippines. She immigrated to the United States to continue her college education and seek out opportunities in corporate America. She worked at various large companies such as First Data, Wells Fargo and Visa all while taking night classes. She explains how she developed a passion for finances and turned that passion into a full-time career. It started off as a “side-hustle” for her, but with her continued drive, she managed to get her new business to the point where it was paying her expenses and she cold leave the corporate rat race. She explains how being profitable while doing something you love and enjoy is so valuable. Check out her story in the video and on the podcast. You can find out more about Christine and her financial coaching business by visiting her links below.

🌐https://www.tehfinancialcoaching.com

✅https://www.facebook.com/TehFinancialCoaching/

✅https://www.instagram.com/TehFinancialCoaching/

✅https://www.linkedin.com/in/tehfinancialcoaching/

✅https://twitter.com/TehFinance

Average Joe Finances:

Our social media links can be found here: flow.page/avgjoefinances

🌐 Check out: averagejoefinances.com

⚖️ Balance Your Portfolio with Passiv: averagejoefinances.com/passiv

🏡 Buying or Selling a House? averagejoefinances.com/realtor

🏘 Interested in getting your real estate license? averagejoefinances.com/prepagent

🎥 Use the same Audio/Video Editing Team that I use: editpods.com

📢 Host your own Podcast here: averagejoefinances.com/buzzsprout

📋 Social Media Management Tool: averagejoefinances.com/social-media

💰 Free Stocks:

Robinhood: averagejoefinances.com/robinhood

Webull: averagejoefinances.com/webull

📋 Consolidate debt: averagejoefinances.com/sofi-loans/

⚠️ Life Insurance: averagejoefinances.com/ladder

☕️ Support the Show: buymeacoffee.com/avgjoefinances

💎 Average Joe Finances Swag: averagejoefinances.com/resources/shop

🚧DISCLAIMER 🚧 averagejoefinances.com/disclaimer

If you are interested in writing for Average Joe Finances or joining us for an interview on the podcast, please visit https://averagejoefinances.com/contact


Tropical Sensation by Mike Leite soundcloud.com/mikeleite Creative Commons — Attribution 3.0 Unported — CC BY 3.0 Free Download / Stream: https://bit.ly/-tropical-sensation

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In this episode, we discuss current events with the pandemic and what it’s doing to real estate in the big cities. We also touch a little bit on starting up a side hustle to help better your financial situation if you are unemployed. Some of the key takeaways are these questions.

If you lost your job and collecting unemployment benefits, what are you doing to build another skill set during the time you are home?

Have you thought about starting a side hustle?

Average Joe Finances:

Our social media links can be found here: flow.page/avgjoefinances

🌐 Check out: averagejoefinances.com

⚖️ Balance Your Portfolio with Passiv: averagejoefinances.com/passiv

🏡 Buying or Selling a House? averagejoefinances.com/realtor

🏘 Interested in getting your real estate license? averagejoefinances.com/prepagent

🎥 Use the same Audio/Video Editing Team that I use: editpods.com

📢 Host your own Podcast here: averagejoefinances.com/buzzsprout

📋 Social Media Management Tool: averagejoefinances.com/social-media

💰 Free Stocks:

Robinhood: averagejoefinances.com/robinhood

Webull: averagejoefinances.com/webull

📋 Consolidate debt: averagejoefinances.com/sofi-loans/

⚠️ Life Insurance: averagejoefinances.com/ladder

☕️ Support the Show: buymeacoffee.com/avgjoefinances

💎 Average Joe Finances Swag: averagejoefinances.com/resources/shop

🚧DISCLAIMER 🚧 averagejoefinances.com/disclaimer

If you are interested in writing for Average Joe Finances or joining us for an interview on the podcast, please visit https://averagejoefinances.com/contact


Tropical Sensation by Mike Leite soundcloud.com/mikeleite Creative Commons — Attribution 3.0 Unported — CC BY 3.0 Free Download / Stream: https://bit.ly/-tropical-sensation

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In this episode, we interview Tim Kelly from Active Duty Passive Income. Tim is an active duty Chief Petty Officer in the United States Navy and has been serving his country for 14 years. Now stationed on shore duty in Pensacola, Florida, he is fully pursuing his dream of owning and operating multi-family real estate and helping others realize their financial freedom goals!

Tim tells his story on how he started investing in real estate in 2011 when he purchased his first single family residence with the intention of forcing appreciation and flipping for a profit. That turned into his first “house-hack,” and he quickly learned the benefits of long-term buy and hold real estate were much more aligned with his goals.

Tim also co-authored the #1 Best Selling book with ADPI titled: Military House Hacking!

Tim is now a Senior Managing Partner of both Kelly Housing Group and ADPI Capital where he and his partners invest in and syndicate multi-family property in the affordable and workforce housing spaces with a focus on apartment communities, mobile home communities, and storage facilities.

Check out Tim Kelly's links:

✅ http://thetimothykelly.com

✅ https://www.activedutypassiveincome.com

✅ https://kellyhousinggroup.com/

✅ http://www.linkedin.com/in/thetimothykelly/

✅ https://www.facebook.com/thetimothykelly

✅ Instagram: @thetimothykelly

📋Average Joe Finances:

Our social media links can be found here: flow.page/avgjoefinances

🌐 Check out: averagejoefinances.com

⚖️ Balance Your Portfolio with Passiv: averagejoefinances.com/passiv

🏡 Buying or Selling a House? averagejoefinances.com/realtor

🏘 Interested in getting your real estate license? averagejoefinances.com/prepagent

🎥 Use the same Audio/Video Editing Team that I use: editpods.com

📢 Host your own Podcast here: averagejoefinances.com/buzzsprout

📋 Social Media Management Tool: averagejoefinances.com/social-media

💰 Free Stocks:

Robinhood: averagejoefinances.com/robinhood

Webull: averagejoefinances.com/webull

📋 Consolidate debt: averagejoefinances.com/sofi-loans/

⚠️ Life Insurance: averagejoefinances.com/ladder

☕️ Support the Show: buymeacoffee.com/avgjoefinances

💎 Average Joe Finances Swag: averagejoefinances.com/resources/shop

🚧DISCLAIMER 🚧 averagejoefinances.com/disclaimer

If you are interested in writing for Average Joe Finances or joining us for an interview on the podcast, please visit https://averagejoefinances.com/contact


Tropical Sensation by Mike Leite soundcloud.com/mikeleite Creative Commons — Attribution 3.0 Unported — CC BY 3.0 Free Download / Stream: https://bit.ly/-tropical-sensation

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In this episode we discuss debt consolidation and how it can be an option for when the budgeting may be too difficult. Debt consolidation can be quick way to rid yourself of credit card debt and save a significant amount of money on interest.

Average Joe Finances:

Our social media links can be found here: flow.page/avgjoefinances

🌐 Check out: averagejoefinances.com

⚖️ Balance Your Portfolio with Passiv: averagejoefinances.com/passiv

🏡 Buying or Selling a House? averagejoefinances.com/realtor

🏘 Interested in getting your real estate license? averagejoefinances.com/prepagent

🎥 Use the same Audio/Video Editing Team that I use: editpods.com

📢 Host your own Podcast here: averagejoefinances.com/buzzsprout

📋 Social Media Management Tool: averagejoefinances.com/social-media

💰 Free Stocks:

Robinhood: averagejoefinances.com/robinhood

Webull: averagejoefinances.com/webull

📋 Consolidate debt: averagejoefinances.com/sofi-loans/

⚠️ Life Insurance: averagejoefinances.com/ladder

☕️ Support the Show: buymeacoffee.com/avgjoefinances

💎 Average Joe Finances Swag: averagejoefinances.com/resources/shop

🚧DISCLAIMER 🚧 averagejoefinances.com/disclaimer

If you are interested in writing for Average Joe Finances or joining us for an interview on the podcast, please visit https://averagejoefinances.com/contact


Tropical Sensation by Mike Leite soundcloud.com/mikeleite Creative Commons — Attribution 3.0 Unported — CC BY 3.0 Free Download / Stream: https://bit.ly/-tropical-sensation

Support the show (https://www.buymeacoffee.com/avgjoefinances)

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In this episode we discuss the 7 Steps to Financial Freedom. We outline simple steps you can use to get out of debt and start building wealth. We have researched some of the most successful financial gurus on how they reached their goals. Most of them follow something very similar to these 7 steps.

Average Joe Finances:

Our social media links can be found here: flow.page/avgjoefinances

🌐 Check out: averagejoefinances.com

⚖️ Balance Your Portfolio with Passiv: averagejoefinances.com/passiv

🏡 Buying or Selling a House? averagejoefinances.com/realtor

🏘 Interested in getting your real estate license? averagejoefinances.com/prepagent

🎥 Use the same Audio/Video Editing Team that I use: editpods.com

📢 Host your own Podcast here: averagejoefinances.com/buzzsprout

📋 Social Media Management Tool: averagejoefinances.com/social-media

💰 Free Stocks:

Robinhood: averagejoefinances.com/robinhood

Webull: averagejoefinances.com/webull

📋 Consolidate debt: averagejoefinances.com/sofi-loans/

⚠️ Life Insurance: averagejoefinances.com/ladder

☕️ Support the Show: buymeacoffee.com/avgjoefinances

💎 Average Joe Finances Swag: averagejoefinances.com/resources/shop

🚧DISCLAIMER 🚧 averagejoefinances.com/disclaimer

If you are interested in writing for Average Joe Finances or joining us for an interview on the podcast, please visit https://averagejoefinances.com/contact


Tropical Sensation by Mike Leite soundcloud.com/mikeleite Creative Commons — Attribution 3.0 Unported — CC BY 3.0 Free Download / Stream: https://bit.ly/-tropical-sensation

Support the show (https://www.buymeacoffee.com/avgjoefinances)

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Our very first episode! This episode is our introduction and a part of our story.

Average Joe Finances:

Our social media links can be found here: flow.page/avgjoefinances

🌐 Check out: averagejoefinances.com

⚖️ Balance Your Portfolio with Passiv: averagejoefinances.com/passiv

🏡 Buying or Selling a House? averagejoefinances.com/realtor

🏘 Interested in getting your real estate license? averagejoefinances.com/prepagent

🎥 Use the same Audio/Video Editing Team that I use: editpods.com

📢 Host your own Podcast here: averagejoefinances.com/buzzsprout

📋 Social Media Management Tool: averagejoefinances.com/social-media

💰 Free Stocks:

Robinhood: averagejoefinances.com/robinhood

Webull: averagejoefinances.com/webull

📋 Consolidate debt: averagejoefinances.com/sofi-loans/

⚠️ Life Insurance: averagejoefinances.com/ladder

☕️ Support the Show: buymeacoffee.com/avgjoefinances

💎 Average Joe Finances Swag: averagejoefinances.com/resources/shop

🚧DISCLAIMER 🚧 averagejoefinances.com/disclaimer

If you are interested in writing for Average Joe Finances or joining us for an interview on the podcast, please visit https://averagejoefinances.com/contact


Tropical Sensation by Mike Leite soundcloud.com/mikeleite Creative Commons — Attribution 3.0 Unported — CC BY 3.0 Free Download / Stream: https://bit.ly/-tropical-sensation

Support the show (https://www.buymeacoffee.com/avgjoefinances)

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📋Budgeting and Money Management| 🏡 Real Estate Investing | 💰Investing in the Stock Market. 💎 Join the community and the journey.

🌐 Check out https://averagejoefinances.com

✅ Facebook: https://facebook.com/averagejoefinances

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✅ LinkedIn: https://www.linkedin.com/company/average-joe-finances

👨‍💻 About me https://averagejoefinances.com/about

🏡Buying or Selling a House? https://averagejoefinances.com/realtor

🏘Interested in getting your real estate license? https://averagejoefinances.com/prepagent

💰 Free Stocks: Robinhood: https://averagejoefinances.com/robinhood | Webull: https://averagejoefinances.com/webull | https://averagejoefinances.com/sofi-invest

💰 Consolidate your debt: https://averagejoefinances.com/sofi-loans/

⚠️ Life Insurance: https://averagejoefinances.com/ladder

📚📷🎙 Average Joe Finances’ Amazon Recommendations (Books, Gear, Etc.): https://averagejoefinances.com/resources

🚧 DISCLAIMER 🚧 On this channel I share my thoughts, opinions, and own journey to financial freedom. We also bring on guests to share their experiences as well. I am not a CPA, attorney, insurance, contractor, lender, or financial advisor. The content on this page shall not be construed as tax, legal, insurance, financial advice, or other and may be outdated or inaccurate; it is your responsibility to verify all information yourself. I hope you enjoy our content and join in on this financial freedom adventure! https://averagejoefinances.com/disclaimer

If you are interested in writing for Average Joe Finances or joining us for an interview for a future podcast and video, pleased email me at 📬averagejoe(at)averagejoefinances.com

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