Perennial Pride

Summary I recently talked with someone who'd just finished their tax return and found out they owed over sixty thousand dollars they hadn't planned for. Not their total tax bill, just what wasn't withheld, plus penalties on top of it. When I asked when their CPA knew about this, the answer was simple: when they did the return. That's the moment I want every Perennial Pride listener to avoid, and i...

Summary Every time you solve a financial challenge, a new one takes its place. Make more money and you face a growing tax bill. Reduce those taxes and you need a smarter investment strategy. Build real wealth and now you're thinking about retirement. Reach retirement and legacy planning moves to the front. Most people spend their lives chasing a state where problems disappear. That state doesn't e...

SUMMARY True wealth planning goes beyond spreadsheets and tax returns. That's the premise behind Heidi Olson's work at Pathfinder Legacy, and it's what drew Tom to have her on the show. In this conversation, Heidi shares how she helps families, farmers, and business owners move past the discomfort of estate and succession planning to get to what really matters: making sure the right people know th...

Summary This episode is part two of a series covering Tom's due diligence trip to Raleigh, North Carolina, where he evaluated a multifamily real estate syndication opportunity. This time, Tom is joined by his son Aidan, a college student who came along for the trip and got a firsthand look at how private real estate investing actually works. Aidan shares his honest first impressions, what surprise...

Summary Every advisor, every CPA, every financial professional has heard it: "I'm paying way too much in taxes." And while that pain is real, I've noticed something important when I dig a little deeper with clients. The taxes themselves are often the most visible and most painful part of a much larger problem. Just like a fever tells you something's off without telling you what, a high tax bill is...

Summary There's a certain kind of financial education that never shows up in a classroom or on a balance sheet, and that's what Tom set out to give his son on a recent trip to the Raleigh, North Carolina area. Alongside touring a multifamily syndication investment, Tom used the experience to open the door on how real investors evaluate operators, read markets, and make decisions with significant c...

Summary There's a version of financial success that looks good on paper but feels off in practice. You've got money coming in, multiple advisors in your corner, and accounts growing in the background — but you can't shake the sense that something isn't quite working. That unease, Tom argues, is almost always a design problem, not a money problem. In this episode, Tom walks through exactly how fina...

Summary Tom opens this episode by flagging one of the most expensive planning gaps he sees among business owners: the assumption that there is always more time to figure out the exit. His guest, Steve DeTray, CEPA and founder of Freedom Path Planning, brings a sharp framework to the conversation built on years of working directly with CPA firm owners who come to him too late, or just in time. They...

Executive Summary A college tour with his son gave Tom Suvansri an unexpected lens for examining some of the most important principles in personal finance. In this episode, he draws five lessons from the trip—on exposure, cost vs. return, legacy, comfort zones, and life design, and connects each one back to the wealth decisions his listeners face every day. The episode's central idea: most people...

Episode Summary Balancing "offense vs. defense" in your financial life to build resilient, optimized wealth It uses a sports analogy (especially basketball/March Madness) to explain how: Offense = wealth-building activities (investments, income, growth, assets) Defense = protection and structure (tax strategy, insurance, liquidity, risk management, debt strategy) Key ideas include: Most people ove...

Episode Summary In this episode of the Perennial Pride Podcast, Tom Suvansri sits down with philanthropic advisor Barron Damon to explore a topic often overlooked in financial conversations: how we use our wealth for good. With over 20 years of experience in the nonprofit and philanthropic space, Barron shares his personal journey into philanthropy, sparked by a life-altering event that reshaped h...

Summary In this episode of the Perennial Pride Podcast, Tom Suvansri dives into the realities of tax season and the growing risks taxpayers face from fraudulent schemes. Using the IRS "Dirty Dozen" list as a foundation, Tom breaks down common tax scams—from phishing attempts to misleading social media advice—and explains how easily individuals can fall into costly traps. More importantly, he shift...

Summary Real estate investing often seems complicated for those who are busy running businesses or managing their careers. In this episode, host Tom sits down with Neil Timmins, founder of Little Guy Loans, to unpack two major paths into real estate: becoming an operator (fixing and flipping properties) or becoming the lender behind those deals. Neil shares insights from more than 20 years in the...

Episode Summary In this reflective episode of Perennial Pride, Tom Suvansri shares lessons sparked by a college visit trip with his son — and how that experience became a powerful metaphor for life, finances, and long-term fulfillment. Tom explores the idea that life is a compounding journey shaped by daily decisions. Whether in finances, health, relationships, or personal growth, the choices we m...

Episode Summary In this episode, host Tom Suvansri sits down with Josh Gilmore, SVP at SDIRA Wealth, to explore how real estate investing can serve as a long-term pathway toward financial independence. Drawing from personal experience and over a decade working with investors, Josh explains how direct ownership of rental properties can create predictable income, tax efficiency, and protection again...

EPISODE SUMMARY Taxes are not a once-a-year inconvenience. They are a system that quietly influences nearly every financial decision you make — how you earn, how you save, how you invest, how you use your money, and how you transfer wealth to the next generation. In this episode, we break down the five stages of wealth where taxes play a critical role: How you earn How you save How you invest How...

EPISODE SUMMARY In this reflective and forward-looking episode, the host explores a question most people avoid: What if you live to 95… or even 100? After celebrating a 65th birthday and anticipating a 90th birthday in the family, he reflects on how quickly life moves — and how dramatically longevity is changing financial realities. With people living longer, traditional retirement models may leav...

 Episode Summary In this episode of Perennial Pride, Tom Suvansri explores a powerful paradox: why highly successful professionals often abandon the very mindset that made them successful when it comes to managing their personal finances. While they take ownership, calculated risks, and bold action in their careers, many default to fear, herd mentality, and passivity with money—especially around t...

Summary  In this episode of Perennial Pride, discover the power of urgency over comfort in building wealth and success. Using the inspiring story of a high school football team's championship journey, explore the vital role of intentional effort, proactive planning, and facing challenges to achieve financial freedom and a richer life beyond money. Perfect for anyone ready to transform their approa...

EPISODE SUMMARY This episode revisits key conversations that challenge traditional financial thinking. From protecting family legacies through trusts, to using infinite banking as a personal financial system, to leveraging private equity for passive income and tax efficiency, this episode emphasizes intentional wealth-building through structure and education.   LINKS MENTIONED https://podcasts.app...

Today's episode of the Perennial Pride podcast, Tom dives into one of the most overlooked but essential concepts in wealth building: liquidity. With markets showing volatility and assets potentially overvalued, he breaks down why having access to capital—not just investments—is key to confidence, preparedness, and opportunity. Tom shares practical strategies he's personally used over the last year...

In this episode of The Perennial Pride Podcast, Tom and Kira break down one of the hottest—and most controversial—financial headlines: the potential introduction of a 50-year mortgage. They unpack what this could mean for first-time homebuyers, investors, affordability, long-term debt, and the already-strained housing market. From rising interest rates and distorted market forces to cash-flow stra...

Continuing on this final episode with Brandon Jenkins, Tom and Brandon explore the multifaceted nature of leadership, emphasizing the importance of self-leadership, trust, and humility. They discuss the challenges leaders face when transitioning from individual contributors to team leaders, the significance of fostering a collaborative team culture, and the necessity of connecting individual value...

Continuing in this four part series, Tom and Brandon talk about the impact of beliefs and assumptions on personal behavior and potential. He emphasizes how these ingrained beliefs, often formed from early life experiences, can unconsciously dictate actions and hinder personal growth. By becoming aware of these underlying assumptions, individuals can unlock their true potential and make more intent...

In part two of this series with Brandon Jenkins, Tom and Brandon explore the concept of resilience, its importance in personal and professional growth, and practical strategies to cultivate it. They discuss the significance of understanding one's purpose, the cycle of aligning actions with that purpose, and the mindset required to navigate challenges. Things such as community, preparation, and min...