Send us a textJoin 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 dependenceFinancial freedom allows you to spend without guiltWhy education is just as important as budgetingWhy you should not accept the norm of having debt as it isAnd 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.comTiktok: https://www.tiktok.com/@tawnyaschultzInstagram: https://www.instagram.com/tawnyaschultz/Average Joe Finances®Our social media links can be found here: https://flow.page/avgjoefinancesCheck out: https://averagejoefinances.comBalance Your Portfolio with Passiv: https://averagejoefinances.com/passivBuying or Selling a House? https://averagejoefinances.com/realtorInterested in getting your real estate license? https://averagejoefinances.com/prepagentUse the same Audio/Video Editing Team that I use: https://editpods.comHost your own Podcast here: https://averagejoefinances.com/buzzsproutSocial Media Management Tool: https://averagejoefinances.com/social-mediaPodcast Book I'm Published in: https://averagejoefinances.com/daniel-larson Free Stocks:Robinhood: https://averagejoefinances.com/robinhoodWebull: https://averagejoefinances.com/webullConsolidate debt: https://averagejoefinances.com/sofi-loans/Get Life Insurance: https://averagejoefinances.com/ladderAverage 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/contactSupport the show

Send us a textJoin 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.comFacebook: https://www.facebook.com/thesarahstjohnTwitter: https://twitter.com/thesarahstjohnInstagram: 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/avgjoefinancesCheck out: https://averagejoefinances.comBalance Your Portfolio with Passiv: https://averagejoefinances.com/passivBuying or Selling a House? https://averagejoefinances.com/realtorInterested in getting your real estate license? https://averagejoefinances.com/prepagentUse the same Audio/Video Editing Team that I use: https://editpods.comHost your own Podcast here: https://averagejoefinances.com/buzzsproutSocial Media Management Tool: https://averagejoefinances.com/social-mediaPodcast Book I'm Published in: https://averagejoefinances.com/daniel-larsonFree Stocks:Robinhood: https://averagejoefinances.com/robinhoodWebull: https://averagejoefinances.com/webullConsolidate debt: https://averagejoefinances.com/sofi-loans/Get Life Insurance: https://averagejoefinances.com/ladderAverage 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/-trBuzzsprout - Let's get your podcast launched!Start for FREEDisclaimer: This post contains affiliate links. If you make a purchase, I may receive a commission at no extra cost to you.Support the show

Send us a textJoin 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 literacyHow to break societal molds with financial knowledgeWhy financial inclusion requires financial educationWho has access to financial educationWhat are the risks of investing and how to be comfortable with themAnd 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.comTwitter: https://twitter.com/7Millionaire1Grab a copy of his book here: https://amzn.to/3reji8JAverage Joe Finances®Our social media links can be found here: https://flow.page/avgjoefinancesCheck out: https://averagejoefinances.comBalance Your Portfolio with Passiv: https://averagejoefinances.com/passivBuying or Selling a House? https://averagejoefinances.com/realtorInterested in getting your real estate license? https://averagejoefinances.com/prepagentUse the same Audio/Video Editing Team that I use: https://editpods.com Host your own Podcast here: https://averagejoefinances.com/buzzsproutSocial Media Management Tool: https://averagejoefinances.com/social-mediaPodcast Book I'm Published in: https://averagejoefinances.com/daniel-larsonFree Stocks:Robinhood: https://averagejoefinances.com/robinhoodWebull: https://averagejoefinances.com/webullConsolidate debt: https://averagejoefinances.com/sofi-loans/Get Life Insurance: https://averagejoefinances.com/ladderAverage 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 Support the show

Send us a textJoin 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 competitionRich not only financially but also to be physically healthy, having quality family timeHow to earn money without having to work 8 hours a day or moreHow it’s the passion and drive to pursue things fuels what you will becomeAnd 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.comPodcast: www.successfullyunemployed.coInstagram: www.instagram.com/thedustinheinerAverage 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/robinhoodWebull: 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/contactSupport the show

Send us a textJoin 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/B08M7J3V2DAverage 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-larsonFree Stocks:Robinhood: https://averagejoefinances.com/robinhoodWebull: 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 Support the show

Send us a textJoin 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 familyUnderstanding your expenses The three-investing path (Simple path, hybrid path, and active path)Managing risk and facing challengesTips in investingAnd 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_yetChoose FI book: https://averagejoefinances.com/choose-fiAverage 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-larsonFree Stocks:Robinhood: https://averagejoefinances.com/robinhoodWebull: 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 Support the show

Send us a textJoin 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 financesWhy someone with a mentality of reaching financial independence is a “freak”Job traps that most people, typically young, get caught inWhat the FIRE movement is all about, and who is it forThe Happiness Curve and how it affects one’s financial independence journeyAnd 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/teen7-Day free trial mentioned in the show: https://averagejoefinances.com/sheeksfreaks/ (Use code: "averagejoe" all lower case)Dan's email: [email protected] the book: https://amzn.to/3IO8tAbAverage Joe Finances®Our social media links can be found here: https://flow.page/avgjoefinancesCheck out: https://averagejoefinances.comBalance Your Portfolio with Passiv: https://averagejoefinances.com/passivBuying or Selling a House? https://averagejoefinances.com/realtorInterested in getting your real estate license? https://averagejoefinances.com/prepagentUse the same Audio/Video Editing Team that I use: https://editpods.comHost your own Podcast here: https://averagejoefinances.com/buzzsproutSocial Media Management Tool: https://averagejoefinances.com/social-mediaFree Stocks:Robinhood: https://averagejoefinances.com/robinhoodWebull: https://averagejoefinances.com/webullConsolidate debt: https://averagejoefinances.com/sofi-loans/Get Life Insurance: https://averagejoefinances.com/ladderAverage 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/contactSupport the show

Send us a textJoin 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.comLinktr.ee: https://linktr.ee/thenetworthnurseAverage 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-mediaFree 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/disclaimerSupport the show

Send us a textJoin 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/tandemconsultingAverage Joe Finances™Our social media links can be found here: https://flow.page/avgjoefinancesCheck out: https://averagejoefinances.comUse the same Audio/Video Editing Team that I use: https://editpods.comHost your own Podcast here: https://averagejoefinances.com/buzzsproutSocial Media Management Tool: https://averagejoefinances.com/social-mediaEpisode Sponsor. Your Multifamily Mentor: http://www.yourmultifamilymentor.com/*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 Support the show

Send us a textJoin 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.netKP Cares: www.kpsystem.orgInstagram: https://www.instagram.com/davidmtorrence/Twitter: https://twitter.com/davidmtorrenceLinkedIn: https://www.linkedin.com/in/davidmtorrence/Average Joe Finances™Our social media links can be found here: https://flow.page/avgjoefinancesCheck out: https://averagejoefinances.comBalance Your Portfolio with Passiv: https://averagejoefinances.com/passivBuying or Selling a House? https://averagejoefinances.com/realtorInterested in getting your real estate license? https://averagejoefinances.com/prepagentUse the same Audio/Video Editing Team that I use: https://editpods.comHost your own Podcast here: https://averagejoefinances.com/buzzsproutSocial Media Management Tool: https://averagejoefinances.com/social-mediaFree Stocks:·         Robinhood: https://averagejoefinances.com/robinhood·         Webull: https://averagejoefinances.com/webullConsolidate debt: https://averagejoefinances.com/sofi-loans/Life Insurance: https://averagejoefinances.com/ladderSupport the Show: buymeacoffee.com/avgjoefinancesAverage Joe Finances Swag: averagejoefinances.com/resources/shopEpisode Sponsor: Your Multifamily Mentorhttp://www.yourmultifamilymentor.com/*DISCLAIMER* https://averagejoefinances.com/disclaimerSupport the show

Send us a textJoin 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.comLinkedIn: https://www.linkedin.com/in/robschulz/Twitter: https://twitter.com/robschulztxFacebook: https://www.facebook.com/groups/thoughtsonthingsfinancialOrder 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⚖️ 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/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 Support the show

Send us a textJoin 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.comFacebook:  https://www.facebook.com/chad.wittfeldtLinkedIn: https://www.linkedin.com/in/chadwittfeldtAverage 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/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 Support the show

Send us a textJoin 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⚖️ 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/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 Support the show

Send us a textJoin 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/⚠️ Life Insurance: averagejoefinances.com/ladder☕️ Support the Show: buymeacoffee.com/avgjoefinances💎 Average Joe Finances Swag: averagejoefinances.com/resources/shop🚧DISCLAIMER 🚧 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 Support the show

Send us a textJoin 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: Website: https://replaceyourmortgage.com/LinkedIn: https://www.linkedin.com/in/michael-lush-a1091b9/YouTube: https://bit.ly/3xupDNzAverage 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/robinhoodWebull: 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/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  Support the show

Send us a textJoin 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: Website: the1031investor.comTwitter: twitter.com/DaveFoster1031Facebook: facebook.com/the1031investorLinkedIn: linkedin.com/in/davefoster1031Instagram: instagram.com/davefoster1031Average 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/robinhoodWebull: 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/disclaimerIf you are interested in writing for Average Joe Finances or joining us for an interview on the podcast, please visit https://averagejoefinances.com/contactSupport the show

Send us a textJoin 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/fintechreviewnetLinkedIn: https://www.linkedin.com/in/tristanpellouxInstagram: https://www.instagram.com/fintechreviewTwitter: https://twitter.com/fintech_reviewAverage 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/robinhoodWebull: 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/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 Support the show

Send us a textJoin 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/realtrainingFacebook: https://www.facebook.com/TheRobertRiopelInstagram: https://www.instagram.com/rrriopelTwitter: https://twitter.com/RobRox69Download Raymond Riopel's FREE eBook, Success Left a Clue, here: https://robertriopel.com/book1Buy it here: https://amzn.to/3gaYA3bCheck 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/robinhoodWebull: https://averagejoefinances.com/webull📋 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 🚧https://averagejoefinances.com/disclaimerIf you are interested in writing for Average Joe Finances or joining us for an interview on the podcast, please email me at 📬[email protected] 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-sensationSupport the show

Send us a textJoin 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/brendanleeyoungAverage 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💎 Average Joe Finances Swag: averagejoefinances.com/resources/shop🚧DISCLAIMER 🚧 averagejoefinances.com/disclaimerSupport the show

Send us a textJoin 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.comLinkedIn: linkedin.com/in/will-owens-wowInstagram: instagram.com/will_owensFacebook: facebook.com/owenswill Twitter: twitter.com/will_owens 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💎 Average Joe Finances Swag: averagejoefinances.com/resources/shop🚧DISCLAIMER 🚧 averagejoefinances.com/disclaimerSupport the show

Send us a textJoin 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 counterpartWhat “growth stocks” are and some tenets to keep in mind when investing in themHow to manage the risk in growth stocks by finding a trajectory towards profitabilityThe importance of educating yourself before investing and the best way to get startedHow to differentiate a fiduciary from someone who just wants to sell you a productAnd 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/LeftBrainIRLinkedin: https://www.linkedin.com/in/briandressYouTube channel: https://www.youtube.com/channel/UC6bqGg_VfmuCH7E-s7rNUxQAverage 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/robinhoodWebull: 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/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 Support the show

Send us a textJoin 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 estateThe benefits of falling in love with project management when renovating a propertyWhat a “1031 Exchange” is and how to get the most out of your investment propertiesWhen you should contact a qualified intermediary when planning to do an exchangeThe 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-gccFacebook: facebook.com/nathan.webb.58323431Average 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/robinhoodWebull: 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/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 Support the show

Send us a textJoin 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/bmags1984Flow Code: flow.page/brandon-magierowskiCheck out 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💰 Free Stocks:Robinhood: averagejoefinances.com/robinhoodWebull: averagejoefinances.com/webull⚠️ Life Insurance: averagejoefinances.com/ladder☕️ Support the Show: buymeacoffee.com/avgjoefinances💎 Average Joe Finances Swag: averagejoefinances.com/resources/shop🚧DISCLAIMER 🚧 averagejoefinances.com/disclaimerSupport the show

Send us a textJoin 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/rickmaz1106Check out Average Joe Finances:Our social media links can be found here: averagejoefinances.com/links🌐 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/robinhoodWebull: 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/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 Support the show

Send us a textJoin 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.comInstagram: https://instagram.com/coach.karenaLink Tree: https://linktr.ee/coachkarena Check out Average Joe Finances:Our social media links can be found here: averagejoefinances.com/links🌐 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/robinhoodWebull: 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/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 Support the show

Send us a textJoin 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.comMultifamily Realty Gains: www.multifamilyrealtygains.comPersonal Loving Care: http://www.plccarehomes.comLinkedIn: www.linkedin.com/in/prashant-at-myrealtygainsFacebook: https://www.facebook.com/prashant.myrealtygainsCheck out 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📋 Social Media Management Tool: https://averagejoefinances.com/social-media 💰 Free Stocks:Robinhood: https://averagejoefinances.com/robinhoodWebull: https://averagejoefinances.com/webull 📋 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 🚧 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 https://soundcloud.com/mikeleite Creative Commons — Attribution 3.0 Unported — CC BY 3.0 Free Download / Stream: https://bit.ly/-tropical-sensation Support the show

Send us a textJoin 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.comEasy Button REI: www.easybuttonrei.comFacebook: https://www.facebook.com/martin.amy.bInstagram: https://www.instagram.com/amyfarrownowCheck 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/robinhoodWebull: https://averagejoefinances.com/webull📋 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 🚧 https://averagejoefinances.com/disclaimerIf you are interested in writing for Average Joe Finances or joining us for an interview on the podcast, please email me at 📬 [email protected] the show

Send us a textJoin 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.comInstagram: https://www.instagram.com/adventurous.reiFacebook Page: https://www.facebook.com/adventurousREILinkedIn: https://www.linkedin.com/company/adventurous-real-estate-investorsCheck 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/robinhoodWebull: https://averagejoefinances.com/webull📋 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 🚧 https://averagejoefinances.com/disclaimerIf you are interested in writing for Average Joe Finances or joining us for an interview on the podcast, please email me at 📬 [email protected] the show

Send us a textJoin 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.comInstagram: www.instagram.com/thefinancialguides@mikesoroko / @zzenda5Average Joe Finances: https://flow.page/avgjoefinances🌐 Check out: https://averagejoefinances.com🚧DISCLAIMER 🚧Support the show

Send us a textJoin 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.comLinkedIn: https://www.linkedin.com/in/melissa-mcray-johnson-8794827YouTube: https://www.youtube.com/channel/UCciaP9ER_iA5a2WzFy4bcBQ/videosInstagram: www.instagram.com/melissajohnson8Facebook: https://www.facebook.com/melissajohnsonreiCheck out Average Joe Finances:Our social media links are all on our Flow Page: 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📋 Social Media Management Tool: htaveragejoefinances.com/social-media💰 Free Stocks:Robinhood: https://averagejoefinances.com/robinhoodWebull: https://averagejoefinances.com/webull📋 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 🚧https://averagejoefinances.com/disclaimerIf you are interested in writing for Average Joe Finances or joining us for an interview on the podcast, please email me at 📬[email protected] Sensation by Mike Leite https://soundcloud.com/mikeleite Creative Commons — Attribution 3.0 Unported — CC BY 3.0 Free Download / Stream: https://biSupport the show

Send us a textJoin 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.orgLinkedIn: https://www.linkedin.com/in/ramsey-blankenship-35a56137Check 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/robinhoodWebull: https://averagejoefinances.com/webull📋 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 🚧https://averagejoefinances.com/disclaimerIf you are interested in writing for Average Joe Finances or joining us for an interview on the podcast, please email me at 📬[email protected] 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-sensationSupport the show

Send us a textJoin 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:Robinhood: https://averagejoefinances.com/robinhoodWebull: https://averagejoefinances.com/webull📋 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 🚧https://averagejoeSupport the show

Send us a textJoin 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/robinhoodWebull: https://averagejoefinances.com/webull📋 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 🚧https://averagejoefinances.com/disclaimerIf you are interested in writing for Average Joe Finances or joining us for an interview on the podcast, please email me at 📬 [email protected] 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-sensationSupport the show

Send us a textJoin 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/larrypendletoncpaLinkedIn: https://www.linkedin.com/in/larry-pendleton-jr-cpa-msa-493aa249Facebook: https://www.facebook.com/profile.php?id=100012395678547Instagram: https://www.instagram.com/larrypendletoncpaAverage 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/robinhoodWebull: https://averagejoefinances.com/webullSoFi: 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/avgjoefinancesAct on Children’s Business Fair: www.podcast.childrensbusinessfair.org🚧DISCLAIMER 🚧https://averagejoefinances.com/disclaimerIf you are interested in writing for Average Joe Finances or joining us for an interview on the podcast, please email me at 📬 [email protected] the show

Send us a textJoin 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.comAgent Financial Website: https://www.agentfinancial.comLinkedIn: https://www.linkedin.com/in/bernard-reisz-cpaFacebook: https://www.facebook.com/profile.php?id=100018434525079Check 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/robinhoodWebull: https://averagejoefinances.com/webullSoFi: 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 🚧https://averagejoefinances.com/disclaimerIf you are interested in writing for Average Joe Finances or joining us for an interview on the podcast, please email me at 📬[email protected] 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-ADASupport the show

Send us a textJoin 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 KawaokaLane 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.comFacebook: https://www.facebook.com/SimplePassiveCashFlowTwitter: https://twitter.com/SimplePassiveCfInstagram: https://www.instagram.com/SimplePassiveCashflowCheck 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/robinhoodWebull: https://averagejoefinances.com/webullSoFi: 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 🚧https://averagejoefinances.com/disclaimerIf you are interested in writing for Average Joe Finances or joining us for an interview on the podcast, please email me at 📬[email protected] 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-ADASupport the show

Send us a textJoin 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 AnthonyAnthony 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/robinhoodWebull: https://averagejoefinances.com/webullSoFi: 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 🚧 https://averagejoefinances.com/disclaimerIf you are interested in writing for Average Joe Finances or joining us for an interview on the podcast, please email me at 📬 [email protected] 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-ADASupport the show

Send us a textJoin 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 FasuloAlex 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.comLinkedIn: https://www.linkedin.com/in/alexandrafasuloTikTok: https://www.tiktok.com/@alexfasulobizThe Freelance Fairytales Podcast: https://open.spotify.com/show/0ukaBAqFz5INXwqqwoZjDMCheck 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🎥 Hire my Audio/Video editing team: https://averagejoefinances.com/podcast-editing💰 Free Stocks:Robinhood: https://averagejoefinances.com/robinhood Webull: https://averagejoefinances.com/webullSoFi: 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 🚧 https://averagejoefinances.com/disclaimerIf you are interested in writing for Average Joe Finances or joining us for an interview on the podcast, please email me at 📬 [email protected] the show

Send us a textJoin 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/aboutInstagram: https://instagram.com/joshplavePodcast: 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/webullSoFi: 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 🚧 https://averagejoefinances.com/disclaimerIf you are interested in writing for Average Joe Finances or joining us for an interview on the podcast, please email me at 📬 [email protected] the show

Send us a textIn 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/InvestPassively2LiveActivelyFacebook: 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/robinhoodWebull: https://averagejoefinances.com/webullSoFi: 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/disclaimerIf you are interested in writing for Average Joe Finances or joining us for an interview on the podcast, please email me at 📬 [email protected] the show

Send us a textJoin 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 freedomThe importance of having multiple bank accountsPro’s and Con’s of investing in real estate while living abroadGoals for Property/Market Selection And much more! About Daniel MillsGrowing 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 FinancesOur 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/robinhoodWebull: www.averagejoefinances.com/webullSoFi: www.averagejoefinances.com/sofi-invest📋 Consolidate debt: www.averagejoefinances.com/sofi-loans/⚠️ 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/disclaimerIf you are interested in writing for Average Joe Finances or joining us for an interview on the podcast, please email me at 📬 [email protected] the show

Send us a textIn 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.comLinkedIn: https://www.linkedin.com/in/apurva-shah-15794271/Average Joe FinancesOur 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/disclaimerIf 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-ADASupport the show

Send us a text🎙 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.comHarborside Partners: https://harborsidepartners.comLinkedIn: https://www.linkedin.com/in/charleskcarillo/Facebook: https://www.facebook.com/CharlesKennethCarilloAverage Joe FinancesOur 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/disclaimerIf 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-ADASupport the show

Send us a textIn 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 episodeCheck out Tim’s page Cityside Capital here: https://www.citysidecap.comLinkedIn: https://www.linkedin.com/in/tim-lyons-cityside-capital/Facebook: https://www.facebook.com/CitysidecapAverage Joe FinancesOur 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/disclaimerIf 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-ADASupport the show

Send us a textIn 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 cardsCheck out this awesome episode!Check out Simon’s page Anglia Advisors here: https://www.angliaadvisors.comLinkedIn: https://www.linkedin.com/in/simonbradyny/Average Joe FinancesOur 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/disclaimerIf 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-ADASupport the show

Send us a textIn 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.comInstagram: https://www.instagram.com/cathleencooksstuff/Average Joe FinancesOur 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/disclaimerIf 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-ADASupport the show

Send us a textIn 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/passivEmail Nick: [email protected] Joe FinancesOur 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/disclaimerIf 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-ADASupport the show

Send us a textIn 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 TurnerCheck out Paul’s links below:Website: www.wellingscapital.comTwitter: https://twitter.com/PaulMooreInvestFacebook: https://www.facebook.com/wellingscapitalLinkedIn: www.linkedin.com/in/paul-moore-3255924The How to Lose Money Podcast: https://podcasts.apple.com/us/podcast/how-to-lose-money/id1170805348Average Joe FinancesOur 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/disclaimerIf 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-ADASupport the show