Wealthy HOMES

Ep.36- Unlocking a Wealthy Retirement: The 5 Golden Keys

At PFG, we have over 1,000 clients. Want to know the 5 characteristics of our most successful clients? They’re really quite simple!
 
🔑#1. Work Smart, Work Long
You don't need to be a workaholic, but working till 65? That's the golden ticket! Let your money grow and save on insurance costs. Consider part-time gigs later on. 💼
🔑 #2. Debt Is Your Ball & Chain
Debt is like a weight tied to your dreams. Key #2? Crush that debt! Less cash flow to repayments = more for YOU in retirement. 🚀
🔑 #3. Ride the Investment Rollercoaster 🎢
Invest through thick and thin. It's not about timing the market; it's about time in the market. Ride those market waves and let dollar cost averaging work its magic. 📈
🔑 #4. Avoid the Market Timing Trap ⏰
Let's face it, most of us aren't market wizards. Key #4: Stop trying to time the market. It often hurts more than it helps. 🎢
🔑# 5. Don't Inflate Your Lifestyle
Don't let lifestyle inflation creep up on you. 🏠 Bigger houses, fancier cars, extravagant dining—it's tempting as you climb the career ladder. But remember, a high retirement income to maintain that lifestyle isn't always sustainable. Building wealth is about choices, not just income. 💸
These golden keys aren't just for your parents' retirement; they're your ticket to financial freedom too! Start today, and you'll thank yourself later. 💪
Join me on the Wealthy HOMES Podcast for more financial wisdom to fuel your journey towards Wealth. 🎙️ Let's unlock that bright financial future together! 🌅✨
#FinancialSuccess #RetirementGoals #YoungAdults #MoneyTips #WealthyHOMES 🎧
 
Past performance is not a guarantee of future results. Securities & Advisory Services offered through Harbour Investments, Inc. Securities licensed in MI, FL, TN, CA, & WA. Member SIPC

Ep.35- Building An Emergency Fund

🚨 EMERGENCY FUND 101 🚨
 
Did you know that a whopping 51% of Americans have less than 3 months of savings (Bankrate)? 😱 That's like trying to navigate a financial minefield without a map! 🧭
Rule of thumb: Your emergency fund should be 3-6 months of EXPENSES, not income! 🧾 So, if pizza night is part of your budget (of course it is 🍕), that goes in there too!
💰 Now, where do you park this rainy day treasure? ☔️ Definitely not under your mattress - too lumpy! 😆
🏦 Opt for a high-yield savings account or a money market account. 💳They keep your funds secure and growing - like your own financial secret garden! 🌱💰 
Your emergency fund is like your financial superhero cape – ready to swoop in when you need it most. 🦸‍♀️✨ 
Remember, financial superheroes are MADE, not born. 💪 Share your emergency fund tips below, and let's build a financially resilient Michigan, one slice of pizza at a time! 🍕🏠💰 
#EmergencyFund101 #FinancialSuperhero #MichiganMoneyMagic #WealthyHOMES 
 
Securities & Advisory Services offered through Harbour Investments, Inc. Securities licensed in MI, FL, TN, CA, & WA. Member SIPC

Ep.34- Soaring to New Heights with Patman Droneography

🎙️ Just dropped anchor and reeling in more than just fish! 🎣
 
There’s nothing like being out on the water, enjoying a relaxing evening of fishing. But guess what? I've got something to reel you in too – our latest podcast episode featuring the one and only Patman Droneography! 🚁📸, while we were literally on a boat and fishing 🌊. We had a blast chatting about capturing Michigan's beauty from above, navigating the drone biz, and what's on the horizon for Patman 📸✈️.
 
So, whether you're casting a line or just daydreaming about those open waters, plug in those earbuds and join us for an episode that's as refreshing as a lake breeze 🌬🍃. It's a reel treat, I promise! 🎣🎧
 
Patman Droneography Website: https://www.patmandroneography.com/
Patman Droneography Facebook Page: https://www.facebook.com/patmandroneography/?ref=embed_page

Ep.33- Mini Series Halftime: Small Business Retirement Plans Demystified

🚀 Ready for some halftime financial fireworks? 🎆
🎉🚀 It's Halftime in our epic mini-series on Entrepreneurship vs. Business Ownership Mini-Series, let's dive into a game-changer: Small Business Retirement Plans! 🌟
It's not just about the hustle; it's about securing your future too! 💼 Did you know that small biz retirement plans offer a goldmine of benefits? 💡 Let's dive into the playbook:
🔥Tax Benefits: 📊 Pay less to Uncle Sam and keep more for yourself! 💸Your business gets a boost, and you enjoy sweet tax deductions. 🚀
🔐 Employee Retention: 💼 Happy employees = Happy business!Attract and retain top talent with attractive retirement benefits. 🤝
💰 Save for Your Future: 🌅 Secure your golden years!Plan for retirement while growing your biz. It's a win-win! 🏖️
🚀 Hello, Solo 401(k)!: 🌟 Quit your 9 to 5 and start your dream biz!Some have used the Solo 401(k) to leap from salary life to entrepreneurship. 💪
Stay tuned for the second half of our mini-series, where we'll uncover more amazing stories on Entrepreneurship and Business Ownership! 📚
#HalftimeHustle #EntrepreneurshipJourney #WealthyHOMESHalftime #SmallBizSuccess #RetireLikeABoss #FinancialGamePlan
Securities & Advisory Services offered through Harbour Investments, Inc.
Securities licensed in MI, FL, TN, CA, & WA.
Member SIPC

Ep.32 Roasting Beans and Brewing Dreams with Café Rica☕(Part 3 Business Mini-Series)

☕ Don't Miss Out! Our latest episode of the 5-part mini-series celebrating entrepreneurship and business ownership is brewing now! ☕🎙️
 
In this captivating pod, we sit down with Tristan and Jackson Bredehoft, the dynamic duo behind Cafe Rica, a coffee shop that's become a beacon of downtown Battle Creek, MI 🌟 From humble beginnings in online coffee sales to a thriving downtown storefront coffee haven, their journey is nothing short of inspiring!
 
Join us as we uncover the secrets behind their rise to success, from that first small cargo container to a bustling community hub ☕🏙️ Tristan and Jackson share the highs, lows, and everything in between in this engaging interview.
 
This episode is a testament to the power of ambition and determination. Tune in now to savor their story! 🎧👂 #EntrepreneurshipSpotlight #CafeRicaStory #CoffeeDreamsComeTrue
 
Cafe Rica Website: https://www.cafe-rica.com/
Cafe Rica Facebook Page: https://www.facebook.com/CafeRicaUSA
 
Securities & Advisory Services offered through Harbour Investments, Inc. 
Securities licensed in MI, FL, TN, CA, & WA. 
Member SIPC

Ep.31-From Fighter to Entrepreneur: Caleb Grummet’s Unstoppable Journey!🥊

 From Fighter to Entrepreneur: Caleb Grummet's Unstoppable Journey! 🥊
 
👊 Once a fighter, always a fighter! Join us on the latest episode 5-part Business Mini-series as we dive into the incredible journey of Caleb Grummet.
 
🎖️ From serving in the Marine Corps to stepping into the ring as a professional MMA fighter, Caleb's determination and grit have been unwavering. 🥋 But that's just the beginning!
 
📚 Balancing education while boxing professionally, Caleb's story is a testament to the power of perseverance. 📺 And let's not forget his epic matches, including fighting on HBO against former Baltimore Ravens safety, Tom Zbikowski, and fighting on the Floyd Mayweather undercard in Las Vegas! 🥊💥
 
💪 Today, he's not only a fighter but also the founder of Grit Strength Systems, a thriving gym and strength & conditioning program. Join us as we explore Caleb's evolution from warrior to entrepreneur, discussing the highs, the lows, and the incredible lessons he's learned along the way.
 
🔥 Don't miss this inspiring episode! Tune in now and discover how Caleb turned his fighting spirit into a thriving business that's all about strength, grit, and community. 🌟
 
#InsideGritAndGlory #FighterToEntrepreneur #GritStrengthSystems #FromTheRingToBusiness
 
Securities & Advisory Services offered through Harbour Investments, Inc. 
Securities licensed in MI, FL, TN, CA, & WA. 
Member SIPC

Ep.30- Scaling Painted Arrow Outdoors with Nate Hicks

🎬 Exciting News! Introducing our brand-new 5-part mini-series on entrepreneurship and business ownership 🚀📈 In this episode, we're thrilled to feature Nate Hicks, the co-founder of Painted Arrow Outdoors! 🎯
Join us as we dive into the incredible journey of Nate and Devin, the masterminds behind Painted Arrow 🏹🎥 Learn how they transformed their passion for hunting into a game-changing business! From humble beginnings to innovative breakthroughs, they've taken mobile hunting to a whole new level with their revolutionary "Mag-Pro" magnet bow mount– the ultimate tool to capture your hunt using your cell phone!  📱🦌.
Tune in to the podcast to hear about the challenges they faced, the lessons they've learned, and the amazing success they've achieved over the past year 🎙️📈 Don't miss out on this inspiring tale of dedication, innovation, and the power of entrepreneurship! 🔥
Listen now on all major podcast platforms and get ready to be motivated by their story! 🎧👂
#Entrepreneurship #BusinessSuccess #InnovationUnleashed #PodcastEpisode #5PartMiniSeries
 
Link to Painted Arrow Website
Link to Painted Arrow Podcast
Link to Painted Arrow Facebook Page
Link to Painted Arrow Instagram
Link to Painted Arrow Outdoors Youtube Channel
 
Securities & Advisory Services offered through Harbour Investments, Inc. Securities licensed in MI, FL, TN, CA, & WA. Member SIPC

Ep. 29- Entrepreneurship Edge & New Mini Series Announcement

🎧 Elevate your wealth-building journey with the latest episode of the Wealthy HOMES podcast!
🌟 Uncover the profound impact of entrepreneurship and small business ownership. Did you know that 95% of companies and businesses in the U.S. are owned by individuals, and that on average self-employed individuals are wealthier than non-self employed?
In this episode I go over topics like:
✨ Flexibility: where being your own boss allows you to sculpt a life of balance and freedom. Not, a ball and chain…..
💼 Income Stream(s): Explore the realm of additional income streams and how these ventures can evolve into substantial replacements, securing your financial future.
🏆 Your Business is an Asset: discover the untapped potential of crafting a small business into a valuable asset – a legacy that can be passed on or sold for generations to come.
📢 SPECIAL ANNOUNCEMENT: Get ready for a captivating 5-part mini-series! 🎉 I willinterview five diverse small businesses, each showcasing how their entrepreneurial journey led to wealth creation and newfound opportunities. Be inspired by their resilience, creativity, and ability to thrive in today's business landscape.
Don't miss out on this wealth of wisdom and inspiration. Tune in now and empower yourself to pave the way for financial success and fulfillment. Link in bio! 👆🔗 #WealthyHOMESPodcast #Entrepreneurship #SmallBizSuccess #MiniSeriesComingSoon

Ep.28- Life & Family Insurance

🛡️ Protecting Your Family: The Overlooked Necessity 🛡️
 
Life insurance – a topic often sidelined, yet incredibly important. Many of us are dangerously underinsured, leaving our loved ones vulnerable to financial hardships in what are probably the worst days of their lives. Did you know, your life insurance coverage should ideally be 10-20 times your income? Surprising, right? 📈
 
Here's the kicker: while your employer might cover 1-2 years of your salary, it falls far short of what your family truly needs. As parents, we'd move mountains for our kids and spouse, but somehow, we neglect this crucial financial safety net. 🌟
 
The "it won't happen to me" mentality is a common pitfall. But remember that life is unpredictable. Take the proactive step to ensure that your family's dreams and aspirations are never compromised!
 
🔑 Reason Behind Millennial Hesitation? Cost. 🤑
Guess what? Research shows millennials overestimate the cost of life insurance by a staggering $1,000! 💸 Life insurance doesn't have to break the bank. Term policies, especially for young parents, can offer comprehensive coverage for probably what you spent at Starbucks today. Yeah, I went there.
 
Let's take the step of protecting what truly matters. Life insurance isn't just a safety net; it's an act of love, preparedness, and responsibility. 💕 Don't wait until it's too late. Reach out today and let's chat about securing your family's financial future.
 
#LifeInsurance #FamilyFirst #FinancialProtection #SecureYourFuture
 
Securities & Advisory Services offered through Harbour Investments, Inc. 
Securities licensed in MI, FL, TN, CA, & WA. 
Member SIPC

Ep.27- The Power of Compound Interest (8th Wonder of the World)

📈🔐 Unlocking the Power of Compound Interest! 💡📈
 
Have you seen any of the 7 wonders of the world? What about the 8th?  Let's explore the fascinating concept of compound interest, famously referred to as the "eighth wonder of the world" by Albert Einstein.
 
Yet, there's more to this story. Most don’t know the second half of the quote- "He who understands it, earns it… he who doesn't… pays it." These words remind us that compound interest can either work for us or against us, depending on our comprehension.
 
Think of compound interest like a snowball rolling downhill, gathering momentum and growing over time. Your investments not only earn on your initial amount but also on the accumulated interest, creating a powerful multiplying effect.
 
The key takeaway? Starting early can lead to remarkable results! The longer your money has to compound, the greater the potential gains. Whether you're beginning your financial journey or have been on the path for a while, remember that consistency is your ally.
 
Harness the power of compound interest and pave your way to financial success!
 
Want to learn more? Click the link to see all the best places to listen- https://linktr.ee/connor_bauserman. 
 
#CompoundInterest #FinancialGrowth #8thWonderOfTheEarth #StartEarly
 
Securities & Advisory Services offered through Harbour Investments, Inc. 
Securities licensed in MI, FL, TN, CA, & WA. 
Member SIPC

Ep.26- What Happens To My Family & My Estate Without A Will with Jessica Brandow

🎙️🏠 Let's be honest, the vast majority of handling your finances isn’t “fun.” Especially when you’re covering topics like taxes, insurance, and even estate planning. But, Jessica Brandow said “not on my watch.” Jessica is an estate planning attorney who came on the Wealthy HOMES podcast to breakdown wills, trusts, and everything you need to know to create a rock-solid estate plan for your young family.
 
💡💼 Jessica made the complex world of estate planning accessible and understandable, guiding us through the ins and outs with ease. From understanding wills to exploring the advantages of trusts, this interview was an eye-opener. 📜🔍
 
😮🗺️ But the most jaw-dropping moment came when we discussed Michigan law and where your assets could end up without an estate plan. Makes you scared to think that the state laws could dictate where your money goes and who cares for your kids. 😱💼 Trust me, it's a revelation you won't want to miss!
 
Whether you're starting a family or looking to secure your loved ones' future, Jessica's insights are a must-hear! 🎧🏰
Law Office of Jessica Brandow's Website: https://www.brandow-law.com/
Law Office of Jessica Brandow's Facebook: https://www.facebook.com/jessicabrandowlaw
 
#WealthyHOMES #PodcastEpisode #EstatePlanningExpert #WillsAndTrusts #SecureYourFamily #MichiganLaw #FinancialInsights #KnowledgeIsPower
 
Securities & Advisory Services offered through Harbour Investments, Inc.
Securities licensed in MI, FL, TN, CA, & WA.
Member SIPC

Ep.25- Protecting Your Home & Investing in Real Estate with Kyle Frizzell

📣🎙We had an incredible interview with the one and only Kyle Frizzell, the rockstar agent who took his Kyle Frizzell Agency to the TOP in Michigan! 🚀
In this episode, we explored:🏆 Kyle's Success Story: Learn how Kyle grew his agency to become the cream of the crop among all Farm Bureau agencies in Michigan. His journey will inspire you and show you that with determination and a passion for serving clients, you can achieve remarkable success!
🌾 Unique Niche Products: Discover the intriguing and specialized insurance products offered by Farm Bureau. Kyle unveils the hidden gems that can provide tailored coverage for specific needs, ensuring that you're protected no matter what life throws at you.
🏠 Real Estate Adventures: Hold on tight as we dive into Kyle's exciting real estate journey! He currently manages an impressive 10 rental units and is on a mission to reach a remarkable 100! We discussed the ups and downs of rental properties, how he got started, and the valuable lessons he learned along the way.
Get ready for laughs, valuable insights, and a whole lot of inspiration! Don't forget to subscribe for more episodes filled with professional knowledge, inspiring stories, and fantastic guests like Kyle Frizzell!
#WealthyHOMES #PodcastEpisode #FarmBureau #SuccessStory #RealEstateInvesting#InsuranceCoverage #RentalProperties #ProfessionalAdvice
 
Kyle's Website: https://www.michfb.com/insurance/find-an-agent/kyle-frizzell-3333-s-pennsylvania-ave-ste-202
Kyle's Facebook: https://www.facebook.com/kylefrizzellagency
Kyle's LinkedIn: https://www.linkedin.com/in/kyle-frizzell-a56536106/
Securities & Advisory Services offered through Harbour Investments, Inc.Securities licensed in MI, FL, TN, CA, & WA.Member SIPC

Ep.24- Budgets That Stick

💼 In the world of personal finance, budgets are the backbone of financial success! 💰📊
 
Did you know that individuals who explicitly set goals are 10x more likely to achieve them? 📈 That’s right, folks! Budgets aren’t just numbers on a spreadsheet; they are the secret sauce to unlocking your financial potential. 🗝️✨
 
Join me on the latest episode of “Budgets That Stick” as we jump into the captivating world of budgeting. 🎙️ Discover how creating a well-structured budget can provide the roadmap you need to achieve your financial dreams. 💪
 
From evaluating your financial situation to setting realistic goals and finding innovative ways to stick to your budget, I’ve got you covered! 💡💸 Lets equip you with practical tips, tricks, and insights that will revolutionize your approach to managing your money. 💼💰
 
Get ready to take control of your financial future and unlock the door to financial freedom. 🚪🔓 Tune in to “Budgets That Stick” and embark on an adventure that will transform your relationship with money forever! 🌟
 
#BudgetsThatStick #FinancialSuccess #BudgetingTips #FinancialLiteracy #FinancialPlanning
 
Securities and Advisory Services offered through Harbour Investments, Inc.
Securities licensed in MI, FL, TN, CA, & WA.
Member SIPC

Ep. 23- Raising Money-Smart Kids

📣 Attention, fellow parents! It's time for some money-smart kid Chronicles! 💰😄
👩‍👧‍👦 Raising money-smart kids can be a wild adventure! 🚀💸 Just yesterday, my little one asked where my credit card was at. Should I be worried or impressed? Maybe both!
🏦 Forget piggy banks, my child wants to open a full-scale "Bank of Mom and Dad" with personalized interest rates and a loan department! 💸💼 Now, we're learning about compound interest, and they're convinced their piggy bank will grow into a piggy mansion! 🐷🏰 Talk about ambition!
🙌 Who knew teaching kids about money could be this entertaining? 🎉
💡 Pro tip: Turn chores into mini-business ventures! My kids started a mini grocery store that earns money by giving back scratches. Somehow ended up with a marketing strategy rivaling Meijer! Still trying to figure out the currency🏆💼
🌟 Let's create a support group for parents who've been outsmarted by their own offspring! 😅💡 Share your tales of financial adventures in the comments below!
 
 
Securities and Advisory Services offered through Harbour Investments, Inc.
Securities licensed in MI, FL, TN, CA, & WA.
Member SIPC
 

Ep.22- Managing Investment Portfolios with Nate Baumann from LVZ, Inc.

Join me for a captivating interview with Nate Baumann, from LVZ Investment Management. We delve into LVZ's impressive growth journey, shedding light on their remarkable journey to the top 10% of all RIA’s. 📈
 
Learn firsthand the collaborative synergy between an advisor and portfolio manager, as we uncover how Nate and I work together to give top-notch expertise and tailored investment strategies. 🤝
 
Curious about LVZ's portfolio offerings? LVZ's diverse portfolio offerings are designed to meet the unique goals and needs of investors. From conservative to aggressive, they've got you covered. 💼
 
And don't miss our discussion on the headwinds and tailwinds currently shaping the stock market. Gain valuable insights into the opportunities and challenges that LVZ Investment Management anticipates. 💨☀️
 
Tune in to hear about how we teamed up to give the client the ultimate experience. 🎧✨
 
LVZ Website: https://www.lvzadvisors.com/benefits/
Nate Baumann's LinkedIn: https://www.linkedin.com/in/natebaumann/
 
#PodcastInterview #InvestmentManagement #LVZGrowth #TailwindsAndHeadwinds #FinancialInsights
 
Disclaimer: Nate Bauman has securities offered through Harbour Investments, Inc. Advisory Services offered through LVZ, Inc. (https://lvzfinancialplanning.com/disclosures/)

Ep.21- Maximizing A Home Sale with The Leonard Group

🎙️ Are you looking to maximize the value of your home and dive into the world of real estate investing? 🔑🏠
Our latest podcast episode is here to help you do just that! Join us as we chat with Esther & Ryan from The Leonard Group with EXP realty, specialists in maximizing home sales and running successful Airbnb’s.
 
In this episode, we delve into:
💰 Home Sale Strategies: Discover the investments that truly make a difference when selling your home. Esther and Ryan share their expertise on what upgrades yield the highest returns and what to avoid, ensuring you make smart choices to attract potential buyers and secure the best possible sale price.
🔑 Airbnb Adventures: Dive into the fascinating journey of Esther and Ryan as they share their experiences in the world of Airbnb investments. Learn how they turned their properties into successful vacation rentals and get insider tips on location selection, guest management, and staying ahead in this booming market.
💡 Proven Strategies for Success: Whether you're a homeowner looking to sell or an aspiring real estate investor, this episode is packed with practical advice and real-life experiences to guide you in making smart decisions and helping you achieve your financial goals.
Ready to unlock the secrets of home value maximization and Airbnb success? Listen to the episode now on Apple Podcast, Spotify, or https://wealthyhomes.podbean.com/ to access it directly. Remember to subscribe to the Wealthy HOMES podcast for more episodes to help you manage your finances and build wealth.
 
Ryan & Esther Facebook page: https://www.facebook.com/LeonardGroupeXpRealty
Ryan & Esther's Listing Page: https://theleonardgroup.exprealty.com/?fbclid=IwAR2A7YSoVW4mVcTjnGemKiyBBxqhZdBCifVZP1rq7hohlMv5ttITbkw8B_k
Ryan & Esther's Vacation Rental Facebook Page: https://www.facebook.com/coastalpeacedaytonabeach