Up Your Average

America's founding fathers stepped into total uncertainty with no guarantee it would work. The only thing that gave them the courage to do it was faith. On this Fourth of July weekend, Keith and Doug sit down with sculptor Sabin Howard, the artist behind the National WWI Memorial in Washington, D.C., as he prepares to unveil his next project: the Grand Liberty Arch, a monument to America's foundin...

Before you assemble the crib and install the car seat, there are a few commonly forgotten questions you should ask. Keith Tyner and Doug Shrieve of Gimbal Financial cover the financial and life decisions young families get wrong, skip entirely, or never think to ask. From estate planning basics to building community, rethinking the cost of kids, and developing a parental education philosophy that...

A legacy letter, a father's voice, and the question every child carries for the rest of their life without asking out loud. Blake Brewer, founder of Legacy Letter, joins Keith Tyner and Doug Shrieve to share how a letter his father wrote before his unexpected death became the framework for helping more than 20,000 families pass down what matters most. This episode walks through the Legacy Letter f...

Keith packed everything for the Inca Trail. A porter could have carried most of it for a few dollars a day. It’s a good picture of how most of us handle life. In this conversation, Keith Tyner and Doug Shrieve of Gimbal Financial talk through the expectations, costs, and burdens people carry without ever deciding to. They cover the SpaceX IPO and what investor history actually teaches, why the ide...

Have you ever felt like no matter how much you accomplish, it still isn't enough? Many people spend their lives chasing success, approval, achievement, and significance, hoping the next milestone will finally bring peace. In this episode of Up Your Average, Keith and Doug share how Bob Warren’s Romans study challenged that mindset and changed the course of their lives. What began as a simple study...

The future belongs to skilled workers. In this episode, Keith and Doug interview Jason Altmire, author of Trade Up , who explains why skilled trades are becoming one of the most important pathways to career stability, entrepreneurship, and long-term financial success. As the cost of college continues to rise and the demand for skilled labor grows, more families and young adults are reconsidering w...

Regulatory compliance is usually treated like the most boring part of business, but this conversation proves it doesn’t have to be. In this episode of the Up Your Average podcast, Doug sits down with Gimbal Financial’s compliance officer, Sue Mitchell, to talk about what regulatory compliance actually looks like behind the scenes, why compliance matters more than most people realize, and how busin...

Buying a home is exciting—but many new homeowners quickly realize there are hidden responsibilities and unexpected expenses nobody prepared them for.  In this episode of the Up Your Average Podcast, Doug sits down with expert repairman Micah Langmaack to break down a practical homeowner checklist designed to help first-time buyers and aspiring homeowners avoid costly mistakes. From home maintenanc...

What if the biggest thing holding you back isn’t your past, but how your brain learned to respond to it? In this episode, neurosurgeon Dr. Lee Warren breaks down how neuroscience, trauma, and mental health intersect and why lasting change doesn’t come from rewriting your story, but from rewiring your brain. We explore a powerful idea: you don’t need a different life, different parents, or differen...

Your 40s are a unique season of life, full of energy, opportunity, and motion. In this episode, Keith and Doug talk through why this decade can feel like a “sweet spot.” You have more experience, more discernment, and often more financial stability, but at the same time, life is moving faster than ever. Your kids are growing up, your responsibilities are expanding, and your time and attention are...

A lot of people waste their twenties and it’s not because they lack ambition. It’s because they’re focused on the wrong things. In this episode, Keith and Caleb break down what actually matters in your 20s. And it’s probably not what you’ve been told. It’s not just about making more money, chasing status, or waiting until everything feels “perfect” before making big life decisions. Instead, they e...

Financial planning has evolved in ways most families don’t fully understand. In this episode, Keith and Doug break down the 60-year evolution of financial planning, from relationship-driven advice in the 1960s to today’s metrics-obsessed world of 401k balances, market headlines, and financial gurus. Along the way, they unpack how major events like market crashes, media influence, and cultural shif...

Most people believe success comes from saying yes to more opportunities. In reality, the opposite is true. In this episode, we break down the power of saying no and why your ability to filter decisions is directly tied to your financial outcomes, time freedom, and long-term fulfillment. If you’ve ever felt stretched thin, overcommitted, or stuck in an “average” lifestyle despite doing all the righ...

Unforgiveness is rarely obvious at first. It doesn’t show up as a single decision. It builds quietly into bitterness, frustration, and ultimately a sense of hopelessness. In this episode, Rick Underhill shares a deeply personal story about how unresolved resentment began to shape his thinking, his behavior, and the direction of his life. What started beneath the surface eventually led to consequen...

Caring for aging parents can be one of the most emotional and complex seasons a family will face. For many adult children, the conversation quickly turns to assisted living or facility-based care. But in many cases, home care deserves much more consideration than it gets. In this episode, Keith and Doug interview home care experts David Morgan and Tracy Seals about why staying at home may be a pra...

Social connection has changed dramatically over the last few decades—and not necessarily for the better. In this episode of Up Your Average, we rewind the clock and compare what social life looked like in the 1960s versus today. Back then, boredom pushed people outside. Kids rode bikes until dark. Neighbors talked on front porches. Community happened naturally. Today, we have more technology, bigg...

In this episode of Up Your Average, Keith and Doug sit down with Hall of Fame college football coach Mark Richt to talk about the leadership principles that carried him through one of the most competitive environments in sports. Coaching at the highest level of college football, Richt learned quickly that even the best leaders only win a little more than half the time. If the greatest coaches make...

What if your self-confidence could increase 60–70% in just eight weeks? In this episode, Caleb and Libbi take a deep dive into the Dale Carnegie Course with Steve Haines to learn why high performers continue investing in personal development decades after achieving financial success. Self-confidence isn’t personality—it’s a skill. We explore how structured training improves communication clarity,...

How do you retire without anxiety? For high-net-worth families, retirement planning isn’t just about growing wealth—it’s about spending it wisely and confidently. In this episode of the Up Your Average, Keith and Doug unpack one of the most overlooked transitions in financial life: shifting from saving mode to spending mode. If you’ve built over $500,000 in investable assets, the question is no lo...

Artificial intelligence is everywhere. But can AI actually help improve your cash flow, or is it just another shiny distraction? In this episode, Doug breaks down how artificial intelligence tools can be used practically to bring clarity, discipline, and efficiency to your cash flow, especially for families navigating rising income and the quiet threat of lifestyle creep. Many high-earning familie...

Most families think about generosity emotionally—but few think about it strategically. In this episode, Keith and Caleb break down a surprising way to give generously while improving your tax planning, especially for families with significant assets. When done correctly, generosity doesn’t just improve the world around you—it can reduce taxes, preserve family wealth, and help future generations th...

What can you really accomplish in your first year as a financial advisor? In this episode, Keith sits down with Caleb Tyner for an honest, behind-the-scenes conversation about the lessons that only come from being in the trenches—working with real families, navigating real markets, and learning what it actually takes to give meaningful financial advice. From mastering financial advisor fundamental...

Most people believe their worst job was a waste of time. The low pay. The long hours. The frustration. The feeling of being stuck. But what if the job you hated was actually overpaying you ? In this episode, Keith and Doug take a candid look at the lessons learned from the worst jobs we’ve ever had—from fast food counters to hotel front desks—and why those experiences quietly shaped skills that pa...

Cash flow is more than a budgeting exercise—it is the reality check that determines whether your money is truly supporting the life you want to live. In this episode, Doug walks through a comprehensive guide to cash flow, breaking it down into practical, real-world terms for families navigating career transitions, major purchases, retirement planning, or simply trying to create more financial marg...

When a parent begins to decline from dementia, families are often forced to make decisions with no perfect answers—only tradeoffs. In this episode, Keith and Doug sit down with experienced physician, Dr. George Elmes, M.D., to talk candidly about helping aging parents with dementia, navigating end-of-life care, and knowing when it’s time for family members to step in. This conversation goes beyond...