Perennial Pride

Time moves fast and before we know it, years fly by especially when we start getting comfortable. We can often neglect to stop and reflect on why we are doing the things we are or aren't doing. The world's most influential values are family, relationships, and financial security. Tune in today to hear Tom talk about his hopes to inspire others to think about how they can best support their familie...

Tom is joined by Curtis May of Practical Wealth Advisors to talk about freedom of wealth and life. They help their clients achieve more than they thought possible from a financial perspective and want more control over their money. They want to become financially independent before age 65. They are committed to lifelong learning and know that with the right education, they can find the best soluti...

In today's episode, Tom talks about the potential recession coming given rate hikes and debt with companies. We are starting to see layoffs as some of the larger corporations that may have hired too many, too fast. However, many corporate professionals need paychecks and healthcare. Most have built good net worth but not much liquidity. Tom talks about assessing your financial foundation and getti...

Tom is joined today by estate planner and attorney Everett Sussman. Death isn't something everyone wants to talk about, but the reality is that it will eventually happen. Society has come to rely on the government more than ever for benefits and reduced the freedoms we have in life. Majority of families don't have an estate plan in place. Listen to hear about why you should have a plan in place an...

In today's episode, Tom talks about his son and when he started to play baseball: He is a good athlete but didn't quite know what he was doing. He needed to learn the game. The same can be applied to Real Estate Investing. It's something many want to get into, but they just don't quite know where to start. Tom shares the opportunities he used to get educated and how he leveraged his whole life pol...

Tom is joined again by Monica Felton, a College Financial Planner to talk about alternative ways to pay for college. They talk about the misconceptions of what the true cost of college is and the reality of funding options (many think there's a lot of money to get from the government and schools), but the reality is a lot worse. Tune in today to learn about alternative ways to fund your child's Hi...

In today's episode, Tom talks about being curious, courageous, and cautious when it comes to life and wealth. He recalls his self-effacing childhood and not wanting attention, but feeling good about himself. This pushed him to learn more and research things. Tom talks about how your ego can be your enemy and the importance of pressure testing yourself to gain courage and know to "quit" for the bet...

Joining Tom today is Chad Spitzer of the Captive Insurance Group to talk about building the right financial foundations and removing surprises to bring more certainty to your business. Tune to hear about alternative ways to protect risks to your business. Highlights 01:29 Chad's background in finance and how his family works in the insurance business 02:38 Purpose behind captive insurance and how...

In today's episode, Tom talks about delayed gratification and the impact it has in life and wealth. Everything is essentially one click away; Amazon, dinner, clothes, entertainment, etc. When it comes to your wealth and life, doing things the easy way doesn't always pay off. But being disciplined teaches you to be patient and think about the long term. Evaluate what you're invested in and determin...

Practice makes perfect, right? We get frustrated when we fail but in the moment, we don't always understand that failures can be your best teacher. It's important to be open-minded and have a growth mindset to learn from failures so they aren't repeated. Tune in to hear about the lessons Tom has learned from failing and how he overcame them. Highlights 01:01 Importance of learning from failures an...

In our lives, it's been proven that losses hurt more than the thrill/enjoyment of gains. We're wired oddly that way. As Buffet states - losing money is not a good thing to our wealth building. To reach our potential, we have to take risks. We have to have courage to face our reality and make changes in our careers/jobs and finances. Because change is scary so many will stay in the same situation....

Leverage: We use it in so many different ways and parts in our lives whether it be relationships, skills and talents, time or connections. We can gain ultimate freedom in life by using leverage. Tune in to hear how Tom encourages people to see what types of leverage they might be able to use to boost their wealth and success. Highlights 02:04 Using the analogy of pole vaulting and high jumping to...

Today, Tom is joined by Disability Insurance Expert Hunter Brown to help listeners better under the importance of disability insurance (DI).  Did you know that about 12% of the population suffers a long-term disability and at age 35, you have a 50% chance of experiencing a disability of three months or longer? Tune in to hear Hunter and Tom discuss myths and confusion around DI, what they wish peo...

In today's episode, Tom talks about a 2013 PBS series on the retirement crisis that is still very applicable today. Most people don't have pensions to rely on for retirement and have moved to risk type retirement. Cash flow is king as you need it to let you live the life you want. Listen in to hear what you can do to prepare for a stress-free retirement. Highlights 00:21 Transitioning to retiremen...

Joining Tom today is Ryan Condie to talk about creating freedom in your life. Our time is our most precious resource and we need to be doing everything we can do to protect that resource. The economy is changing and people are looking for the next journey in life. Freedom and control of life requires taking responsibility. Investing is something you can own and control to reduce risk. Tune in to l...

In today's episode, Tom's you through the history of 401k plans and how it may play out for most people later in life and even in legacy. What was originally created for the uber wealthy when the tax rate was 70%, has now become the mainstream way for people to invest for retirement. You CAN have more security over your wealth AND still have access to it by following a different path. Schedule cal...

Today, Tom is joined by Carolyn Tormey, a career ownership coach to talk about the benefits of entrepreneurship and franchising. With the economy changing and the potential for layoffs, on top of people retiring and looking for the next journey in their lives, many are understanding that time is our most precious resource. Moving to self-employment and away from corporate America is a way to provi...

A positive mindset can do so much not only for your day-to-day life, but also for your financial headspace. Think about pouring clean water into a dirty bucket - the more you pour, the cleaner the water gets. Tom talks about the importance of evaluating your financial situation and identifying ways to pour clean water into your personal and financial life. It's important to take full responsibilit...

In today's episode, Tom talks about the importance of a balanced environment for our finances and our lives and maximizing our resources. He talks more about creating efficiencies of our resources and using those dollars to buy back some of those resources. In life and finances, we have to play both sides - offense and defense. Tune in to hear Tom talk about how to best play both sides of the game...

Clients Adonis and Daniella join Tom today to share some of the things they have learned about personal finance and real estate investing. Working in the real estate industry, they understand the power of real estate as an investment class. Purchasing a duplex home, living on one side, and renting out the other, their tenant is helping to pay the mortgage. Being coachable and open-minded clients,...

In this episode, Tom shares his thoughts on the Netflix documentary "Get Smart with Money." This documentary talks about the basic fundamentals on personal finance but still focuses on the cookie cutter type of finance rather than thinking outside the box to create financial freedom and control most desire. Listen in to hear Tom talk through the positives and negatives of conditional thinking arou...

Society has come to rely on the government more than ever for benefits, security, financing, etc. Tom and lawyer Alessandra Messineo Long discuss how security has reduced the freedoms we have in life. Think about taxes - they come in so many shapes and sizes. When it comes to Protection vs. Wealth Accumulation, most people want to focus on the latter, but how do you protect them when you obtain th...

Joining Tom for a second time is friend and colleague Bryan McCloskey of Revisionist Wealth. Continuing up in their previous episode "The Retirement Experiment is Failing," Tom and Bryan talk more about the definition of retirement and how most people focus on net worth but in retirement, it's about cash flow and income. Pensions are no longer common for most outside of government jobs; money is b...

Throughout my life and business, I've always tried to learn from the success of others. I take what resonates with me and move forward with trying to implement it. One of my favorite success stories is that of John D Rockefeller who came from humble beginnings as a bookkeeper to become the richest man in the country when he retired. Staying open-minded is key to increasing your success as new idea...

People don't often talk about the emotions tied to their finances. Financial Advisor Mark Bertrang joins Tom as they talk about the emotional side of personal finances. In his book, Investments Don't Hug, he shares true life stories of families who have gone through significant pain by loss of a loved one unexpectedly and how having a life insurance plan provided such value for those families. He...