Living Wealthy Radio - Podcast: Recent Episodes
Teresa Kuhn
Living Wealthy Radio, with host & Bank On Yourself advisor Teresa Kuhn, airs every Monday on LivingWealthyRadio.com and iTunes. Living Wealthy Radio® consists of a team of individuals dedicated to helping you living wealthier – and we aren't just talking money. Teresa is a financial consultant, health researcher, and liberty activist who features guests from a wide variety of backgrounds to discuss unconventional topics ranging from building wealth outside of the establishment to healthy living choices to supporting liberty. Living Wealthy Radio might be compared to the Dave Ramsey show or Bulletproof Radio.
The money issues you face on a regular basis really extend to a deeper emotional level. How you think about money absolutely controls how you interact with money. So, it goes without saying that if you can correct the root thoughts that drive you to make money mistakes, the fruit of prosperity will be inevitable.
Joining us is Christine Luken, who was a trained accountant and money manager when she reached rock bottom in her personal finances. She realized that her money failures were caused by allowing her heart to highjack her wallet. Her journey back into the black taught her a lot about the connection between emotions and wealth. Money is intrinsically connected to our emotions, and when we realize this, we can heal those emotions and harness positive emotions to achieve the financial success we want.
www.MoneyIsEmotional.com
Let your business brain finish what your entrepreneurial heart started: BusinessFinishingSchool.com
This is an autopsy of American culture, and a deep dive into the spiritual and philosophical problems that are behind our nation’s decline. But it doesn’t start out that way. It starts as a conversation about overcoming your demons and rejecting a victim mentality personally. There are so many negative voices dragging us down. And this rather unique conversation shows the link between personal victimhood and broad-scale degradation of society as a whole.
Joining us today is Cynthia Garrett, popular speaker, media commentator, and founder of Cynthia Garrett Ministries. She is the author of “I Choose Victory: Moving from Victim to Victor,” a powerful new book about breaking free of the victim mentality and achieving victory in key aspects of life. She’s going to share how our mindset can either keep us down or empower us to live the wonderful life God has for us.
Request your free ebook to prepare your financial battleship: LivingWealthyFinancial.com
Today’s talk is a very candid look at the state of income protection the average person has. There are several surprises that really struck me throughout the conversation. For example, by far, the majority of disability needs do not come from an accident but from common illnesses like cancer. And most people just aren’t prepared for the double whammy of high medical bills combined with loss of income.
Joining us is Matt Mitchell, an independent insurance consultant and an expert on disability income insurance. He is licensed in all 50 states and helps people bridge the gap between the insurance industry and specific client needs. He’s here to break down the “why,” and how to find the best deals on quality disability coverage to protect our income.
www.cdcallen.com
In today’s talk, you’re going to get a real wakeup call about what is coming for this country and perhaps the world. There is a massive exodus occurring as people realize big cities are not the place to be when the chips are down. With all of the violence and health restrictions going into effect, and with so many people getting used to working remotely, downtown is a thing of the past. If you’ve ever thought about settling into a smaller community and preparing for a collapse, this conversation is for you.
Joining us today is Marjory Wildcraft, founder of The Grow Network, and an expert in off-grid living. Marjory has travelled to many, many small towns across the US looking for places where you can be safe, and have wonderful food, family, friends, a supportive community, and live a vibrant life regardless of the world’s circumstances. If you’re looking to relocate out of the big city, today’s show will save you thousands of dollars and years of time.
www.TheGrowNetwork.com
www.RelocationShortcuts.com
Today, we’re talking straight up health magic. What started out as a way to strengthen the musculoskeletal system and improve bone density now has people claiming they’ve been cured of osteoporosis, chronic back pain, they’re skipping knee replacement surgeries. It’s incredible! We have a nation of people with atrophied bone foundations, and the rest of their health is suffering for it. And they’re treating it with massage and occasional chiropractic and even surgical and pharmaceutical treatments. But it just keeps getting worse.
Joining us today is Deepak Suthar, a former technology professional turned health and wellness expert. He is the owner of OsteoStrong in Austin, TX, which is based on a unique scientific concept combined with robotic musculoskeletal therapy devices to help people increase strength, agility, balance, and posture. Here’s here to share with us how we can improve our bone and muscle strength for long-term health.
www.OsteoStrongATX.com
www.OsteoStrong.me
Legal protection for your family, business, or identity: IProtectPeople.com
Today, the United States stands on the brink of losing what little freedom we have left. We’re locking up preachers, business owners, and people who just don’t wear a face mask. How did this change happen so quickly? In this conversation, we discuss what America had back in 1776 that we don’t have today. We’re giving up our liberties without a second thought, and you have to wonder: is there any going back?
Joining us for a second time is Pastor Church Baldwin, a prolific writer, speaker, media commentator, and preacher. He currently pastors the Liberty Fellowship in Montana and continues to speak out on matters of liberty and the church. He’s here to explain just how crucial this moment in history is, and where the New World Order agenda is leading us with COVID and civil unrest if we don’t wake up and put a stop to it.
www.ChuckBaldwinLive.com
Experience the power of simplicity: www.Trusii.com
This talk is a somewhat brief but rather meaty, philosophical discussion about what the libertarian model of government would look like and mean for our society. Most people don't realize just how fundamental violence and coercion are in the current paradigm. Perhaps because it’s institutionalized and given a veneer of order and decency, it’s easy to forget that basically, government is force – violence. We either comply, or we get hurt. That’s what it comes down to.
Joining us today is Adam Kokesh, libertarian candidate for President. He’s a longtime activist, author, and freedom advocate who is calling for a peaceful, orderly dissolution of the entire federal government. Not your average campaign platform, right? Adam is going to share with us his radical freedom message and give us the libertarian perspective on what’s going on in the world – and why freedom is always the right answer.
www.KokeshForPresident.com
Let your business brain finish what your entrepreneurial heart started: BusinessFinishingSchool.com
We’re discussing money and mindsets, and how to thrive in difficult times. We don’t really understand just how powerful the mind is, and when times are bad, we go into auto-pilot mode. We get anxious and afraid. And we fail to understand how much control we have over our life. Taking charge of your life and not playing victim may well be the single greatest factor in determining how well you do in life.
Joining us is Suzy Siegle, a researcher, educator, and expert in the field of building inner resilience to find new success opportunities during challenging times. She is the creator of LOCUS Mindset, which helps professionals, leaders, and entrepreneurs launch new ventures, grow existing businesses, and create positive organizational cultures. She’s here to help us understand how we can gain more control over our lives, our money, and our health by using science-based tools for real and positive change.
www.LocusMindset.com (10% OFF for LWR listeners; use promo code: Tammy102020!)
Request your free ebook to prepare your financial battleship: LivingWealthyFinancial.com
This interview tackles the dire new reality in which we find ourselves in a COVID-1984 world. Who would have thought just a few months ago that going to work or not wearing a mask could land you in jail? It didn’t seem to take much to plunge our society into totalitarianism. But as this talk brings out in stunning clarity, freedom is always the better way.
Joining us today is Dr. Richard Ebeling, a leading member of the Austrian school of economics and former president of the FEE or Foundation for Economic Education. He writes and lectures on free-market economic principles, and he’s here to help us understand why the government’s response to COVID-19 and the economic crisis will lead to even more financial instability and disaster.
www.AIER.org/Staff/Richard-M-Ebeling
Enjoy tax-favored investment growth with access on your own terms: LivingWealthyFinancial.com
We’re under a lot of stress these days. We’re facing financial uncertainty, health risks, a changing social structure – and it’s affecting us more than we realize. Fortunately, there are powerful therapies and principles which can turn our challenges into opportunities for success. And in this talk, we’re going to jump right into those.
Joining us is Jason Wasser, a licensed marriage and family therapist, a certified Neuro Emotional Technique practitioner, and an expert in solving stress and anxiety problems. He’s here to share with us some simple but powerful concepts for overcoming stress and thriving during challenging and uncertain times.
www.TheFamilyRoomsFL.com
Secure your child’s future and build a lasting investment with Go College Planning; call 1-800-382-0830.
This conversation is about freedom – and how COVID-19 is being used to take away what little freedom we have left in this Orwellian country. If you’re looking for just a little sanity and logic in this mad and panicking world, this is it. We’re talking cold, hard facts along with some very helpful speculation and theories thrown in to boot.
Joining us is Becky Akers, a free-lance writer and historian who has published two novels of the American Revolution, Halestorm and Abducting Arnold. She’s a syndicated columnist for libertarian organizations like LewRockwell.com, and she’s here to help us understand what to make of the government’s response to COVID-19.
FEE.org/people/becky-akers
Legal protection for your family, business, or identity: IProtectPeople.com
Most Americans go to work, spend 40-80 hours grinding away, and never manage to put much away for the future. Most live paycheck to paycheck with little to nothing for emergencies, major life expenses, or just enjoying their families. But as this conversation brings out, all it takes is a little self-education, a few unconventional principles, and maybe a paradigm shift, and you can change all this. You can live off passive income and have the time left over to live the life you want to live.
Joining us is Larry Smith, an American business success story. He’s a successful entrepreneur, businessman, and financial coach, and the author of Dare to Get Rich: Shorten Your Learning Curve. He’s going to discuss with us his incredible story and some of the financial lessons he learned along the way.
www.LoveAndMoneyHacks.com
Secure your child's future and build a lasting investment at: GoCollegePlanning.com
The classical education system that gave us great minds like Newton, Locke, and Plato is based on the individuality of the student and most importantly, their ability to develop as a person in stages. But today’s popular system is based on a flawed model that tries to mix these stages at all ages. The result? Students who are frustrated and disengaged and later adults who don’t have an education equal to the problems they face.
Joining us today is Susan Wise Bauer, an educator, historian, and bestselling author of several books, including The Well-Educated Mind: A Guide to the Classical Education You Never Had. She advocates returning to classical education to solve many of our children’s educational problems. And she’s here to help us understand why this approach is both timely and needed in our modern society.
www.SusanWiseBauer.com
Request your free ebook to prepare your financial battleship: LivingWealthyFinancial.com
Today’s talk gets to the absolute heart of the problem. We’re talking about the way people save or invest and prepare for retirement today vs. 50-100 years ago. And by now, if you’ve been listening, you know that Teresa advises clients in a low-risk, dependable way of building and saving wealth that is completely against conventional knowledge. Yet it’s precisely the way your grandparents and great-grand parents accomplished so much and retired comfortably without playing the stock market.
Joining us is Tim Austin, the man who, along with Pamela Yellen, co-founded the Bank On Yourself concept. He is also the founder of SET for Advisors, a leading training organization for financial advisors who want to help their clients grow wealth predictably and without risk or volatility. He’s here to share why current investment and savings practices are so different from the time-tested methods of previous generations, and how we can learn and profit from the tried-and-true methods of our great-grandparents.
www.MySETSolutions.com
Go to FindOutMoreNow.com to get a free special report and chapter of the Bank on Yourself Revolution book (use code TK93).
Experience the power of simplicity: Trusii
Teresa recently sat down with fellow Bank On Yourself advisor, Kristin Colca, for another Living Wealthy Financial webinar - this one to destroy the myth that the average rate of return advertised for a given savings vehicle equals the actual rate of return on that investment. Most investments advertise an average return that grossly inflates what clients actually experience each year.
It turns out, the small print warns you that their number won't necessarily reflect your return. So why take a chance with your financial future? In this special replay for Living Wealthy Radio, Kristin and Teresa contrast what investors think they are buying with what they actually get. This is then contrasted with what that same investment would yield in a Bank On Yourself guaranteed policy. You will be amazed.
www.LivingWealthyFinancial.com
In today’s conversation, Teresa is reminiscing with a long-time friend and mentor about their Bank On Yourself journey. In fact, today’s guest is the advisor who turned Teresa on to her first Bank On Yourself policy and helped her become a certified advisor. They discuss the intensive training that distinguishes Bank On Yourself advisors, some of the unique objections they’ve encountered along the way, as well as the incredible power and potential these plans afford people regardless of where they are coming from.
Joining us is Marvin Bulas, a long-time friend and fellow Bank On Yourself advisor. He’s a senior consultant at Strategic Education Technologies, and helps train others to share the incredible power of Bank On Yourself financial solutions. He’s here to discuss some of the amazing things that set Bank On Yourself advisors apart from the crowd and why he believes so much in this unique approach to steadily building wealth.
www.MySETSolutions.com
Let your business brain finish what your entrepreneurial heart started: BusinessFinishingSchool.com
Today’s talk is a really insightful look at the reasons investments underperform and our best laid plans don’t go quite like we thought they would. People speculate based on emotion even without realizing it. And this is a tough-love kind of no-nonsense talk that breaks down why very popular financial strategies so often fail – and why dividend bearing whole life insurance has been such a reliable tool for so many years for shoring up your financial future and avoiding risk.
Joining us today is Keith Mohn, a long-time friend and fellow Bank On Yourself advisor. He was practically raised in financial services and has extensive experience in advanced planning, estate planning, qualified plans, and deferred compensation plans. He’s here to discuss some of the much better wealth-building alternatives to Wall Street that his clients benefit from – and share how to develop a guaranteed income stream throughout retirement.
www.MySETSolutions.com
Enjoy tax-favored investment growth with access on your own terms: LivingWealthyFinancial.com
Full Transcript:
**Tammy de Leeuw- Hey everybody, this is Tammy de Leeuw with Living Wealthy Financial Group, and today we have one of our really special clients, all of our clients are special, but his lady particularly so because she a local business owner in the Austin area, she is the owner and founder of Get The Picture Inc, the best event photography place in the whole state.
Kate Caudillo- That’s fabulous of you to say so, thank you!
Tammy- She is the best little photographer in Texas. She is and has been a client of Teresa Kuhn’s and Living Wealthy Financial Group for quite some time now, and I wanted to have her here today because I wanted her to share with all of you her experience with Bank on Yourself and how she came to find out about it, how she came to believe in it, and what she has been using this concept for in her own personal and professional life. Welcome Kate, and thanks for being here. First of all, tell us a little bit about yourself, what you do. We know you are a photographer but you do so many other things as well.
Kate- Well thank you for having me Tammy. My photography business is a little unusual, we do something a little different, we go out to events and set up full on-site studios and we deliver portraits on the spot so when people get in our line and take their picture, they get to see them, pick their favorites, and get to walk out with them that night.
Tammy- That’s really cool, that’s instant gratification.
Kate- It is, it’s a lot of fun, so i really enjoy doing what i do.
Tammy- And how long have you been doing this?
Kate- Get The Picture is 13 years old. I’ve been doing that company and of course i’ve worked with other companies in photography before that, but as far as mine we’ve been around for 13 years.
Tammy- So you are located in Austin but you go all over the state, you are kind of like a hired gun.
Kate- We are.
Tammy- And you work with your husband as well?
Kate- That is true. Both Charles and I are certified professional photographers and that’s really nice because a lot of the time we will have more than one event at a time and one of us can go to one and the other can go to the other one.
Tammy- That’s perfect. So, how did you come across Bank on Yourself? Were you attracted to it as a businesswoman, how were you introduced to the concept?
Kate- Well, you know I heard, I kept hearing actually, radio spots on public radio and I guess they aired at the same time every day because I kept hearing them when I was taking my kids to school. After hearing it 6 or 7 times I thought well i better check this thing out, because it talks about being able to create a bank for yourself and using that bank to loan yourself money so you are collecting the interest and not someone else. So, it made perfect sense to me and finally one day I called and I was very excited to be hooked up with Teresa because she has been absolutely fabulous.
Tammy- The 800 number that you called put you in contact with someone in your local area, and that person was Teresa, who really is one of the premier Bank on Yourself advisors. So, you were able to meet with her and how did she explain this to you, and what did she do to make it easy for you to grasp how this was going to work?
Kate- Well I gotta tell you, I felt like I was driving her crazy because I really wanted to understand it and I didn’t right at first, because it’s an unusual concept and it’s not something that we are taught or that people really talk about. So, i really had to explore and get deep into it and ask her a lot of questions and she was so great; she was really patient with me, and she explained every little thing that i asked her, and she went into as much detail as i wanted until i felt confident that this was the right vehicle for me.
Tammy- And she really loves to do that because she knows her stuff. So, it was good you were able to ask questions. Teresa really enjoys clients who really question things and ask themselves is this going to make sense for me and my business and my family. She was able to explain everything to your satisfaction and then you got started how many years ago?
Kate: Maybe 5 years.
Tammy- 5 years. So, all along the way you kept in touch with each other and became friends going through this process. You do want to be on that kind of wavelength with someone who is helping you handle your money. She was able to help guide you, for example, what was the first thing you did when you got your Bank on Yourself policy? What were you looking to do with that?
Kate- Well my business uses a lot of equipment. and the average photographer uses a good amount of equipment already, but when you take into account that we have to carry all this equipment on site- there are lots of cases and printers and cameras and lighting and tons and tons of stuff. So what I first used it for and what I've been using it for pretty much each time I’ve taken out a loan it’s been for equipment for my business. I can loan my business money and then my business pays the policy back with interest. So, that interest instead of it going into Bank of America’s pocket it goes into mine. It’s a great way to build wealth.
Tammy- And you like that!
Kate- Yes!
Tammy- So you enjoy having control of your money, that was an important factor in why you did this as well, so you could control the process?
Kate- Absolutely.
Tammy- That’s important because in a typical loan you have to go into the back and beg, hat in hand and get down on your knees and plead to be accepted. With this you set the terms which is really crucial for people to understand. You are the banker, you set the terms, if something happens and you couldn’t- say you had cancellations- and you have to pay it back through a traditional bank you couldn’t do this without ruining your credit.
Kate- Yes, and that is fabulous, You can stop repaying a loan at any point when you need a break, if you need some time to get cash flow going or whatever and it’s perfect for that because I don’t have to worry, there’s no creditors breathing down my neck because it’s my money!
Tammy- As it well should be. When you look at your statement every month, what are you thinking? Are you seeing growth that you didn’t expect, or is this what Teresa told you, or is it beyond what you expected?
Kate- I trust Teresa implicitly. She knows her stuff and I completely trust her judgement. Of course, we got this thing at the beginning that shows the projections, but as soon as you start taking loans, and I’ve done lots of loaning, the policy grows like crazy and doesn’t look anything like it looked like before anyways. So I trust the process and I’m excited to see where it goes from now.
Tammy- You are expanding your business and franchising at some point to expand and grow your business.
Kate- This is ideal for expanding your business because you always have access to funds that you can use at any time and then you just pay those back. I think it’s the coolest thing. It’s the coolest thing to have your own financing and I just love it. It’s a great way to go.
Tammy- Would you recommend this to every small business owner in your area?
Kate- Absolutely!
Tammy- Working with Teresa -and Teresa works in many different states not just Texas- is she the type of person you think people should be working with?
Kate- I haven’t met anyone else that does this, but it wouldn’t really matter because I can’t imagine working with anyone but Teresa. She is phenomenal to work with, she listens very well , she gets where you are coming from, and she is incredibly skilled in leading you in the right direction for what you are trying to accomplish. I don’t think I could do this without her.
Tammy- Well, that is a fantastic endorsement Kate. If you need a great photographer, Kate how do they get in touch with you? Let’s shamelessly promote you. That was a great endorsement. We didn't pay Kate for that, we didn't’ even take her to dinner! So, we appreciate it. How do they get in touch with you?
Kate- They can go to our website, www.getthepicture.com or they are welcome to call us here at the office which is 512-997-7427.
Tammy- Great, well thank you very much. Again, we have been talking to Kate Caudillo and she is a fantastic photographer, I’ve seen some of her work. Don’t call it and bug her but if you have work for her she won’t turn it away, right?
Kate- Absolutely not!
Tammy- Thank you.
Kate- Thank you, Tammy for having me.**