Financial Freedom Secrets Tyler Osborne on Wealth Building & Success

Want to build financial freedom, improve your money mindset, and create lasting wealth building strategies for your future?

In this powerful episode of Business and Beyond Feature Friday, Tanya Bartolini sits down with Tyler Osborne, financial educator, entrepreneur, speaker, former JP Morgan professional, and host of the Money Master Podcast.

Tyler shares his inspiring journey from college football and pursuing the NFL dream to working at JP Morgan, launching his own financial company, and helping entrepreneurs, families, athletes, and business owners master their finances.

In this episode, you'll discover how financial education, wealth building, money mindset, and financial freedom strategies can completely transform your business and personal life.

In this conversation, you'll learn about:
Financial education and why most people were never taught how money really works
Money mindset shifts that impact your wealth, business, and future success
Wealth building strategies for entrepreneurs, business owners, and families
Financial freedom principles and long term financial planning
How mentorship, coaching, and discipline create business success
Protecting wealth, retirement planning, and wealth preservation strategies
The connection between finances, stress, family, health, and personal freedom
Business growth, leadership, delegation, systems, and scaling a company
Financial literacy, budgeting, debt management, savings, and money management

⏱️ Chapters:
00:00 Introduction to Financial Education & Wealth Building
00:17 Meet Tyler Osborne Financial Educator & Money Master Host
01:05 Tyler’s Story From Football Dreams to Financial Success
02:47 Why Tyler Applied to JP Morgan
07:06 Self Worth, Open Mindedness & Seeing Your True Value
09:32 Leaving JP Morgan & Building Financial Freedom
10:41 Finding a Mentor & Starting a Financial Business
13:03 Why Coaching Matters for Business Success
14:14 Athlete Mindset, Discipline & Business Growth
22:46 Hiring, Leadership & Building the Right Team
26:02 Financial Stress, Health & The 5 Fs Framework
34:05 Wealth Preservation, Retirement & Financial Strategy
36:23 Why Financial Education Matters More Than Ever
37:57 The 40/40 Retirement Trap Explained
42:30 Tyler Osborne’s Best Advice for Business Owners
43:43 Final Thoughts & Closing

Tyler also shares his powerful philosophy of the 5 Fs: Faith, Family, Fitness, Finances, and Fun, and explains how mastering these pillars can help you create true financial freedom and a better life.

If you want stronger financial literacy, smarter money management, better wealth preservation, and practical financial education that actually makes sense, this episode is packed with valuable insights.

🌐 Learn more about Tyler Osborne:
https://moneymasternation.com

🎙️ Listen to the Money Master Podcast:
Available on Apple Podcasts, Spotify, Amazon, and more.

About Tania Bartolini:
Tania Bartolini is a business coach, consultant, and former attorney with over 17 years of experience in international business law. After building, scaling, and selling her own law firm, she now helps entrepreneurs create scalable, self sustaining businesses through strategy, operations, leadership, and mindset.

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Website: https://businessandbeyondllc.com/
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Transcript

SPEAKER_00 0:07

Hello, everyone, and welcome to another episode of Business and Beyond Feature Friday with Tanya Bardellini, your host. Today I have a great guest, Tyler Osborne. He is a financial educator, speaker, and host of the Money Master Podcast, where he simplifies wealth building and financial strategy. I know I need it simplified. So thank you for that. Um, a former JP Morgan professional and college football player, he blends real-world finance with discipline and mindset. Tyler helps individuals and business owners take control of their money, build assets, and create long-term wealth with clarity and confidence. And I think we all need a little bit of that. So welcome, Tyler. Thank you for being here.

SPEAKER_01 1:02

I'm excited to be here. Thank you so much. Thank you for having me.

SPEAKER_00 1:05

So, can you tell me a little bit about your business, why you got into it, why you're doing what you're doing?

SPEAKER_01 1:13

Yeah, absolutely. Um, so I'm gonna backtrack a little bit, but I'll wrap it all in and all make sense. So uh I'm born and raised in California, grew up out there, grew up on the east side of San Jose, which quote unquote is the hood. Uh, and actually, sports saved my life. And the reason I just say that the majority of my friends growing up are now they're no longer living in prison or strong on drugs. So kind of thank God I got away from them. Uh crazy as well. My little brother was shot five times and survived and lived. Thank God, right? Uh, one of my closest friends growing up was shot 12 times, survived and survived and lived. And uh he's in prison for you know 20 plus years now. But um, that's why I say God saved my life because I end up getting a football scholarship at the University of St. Mary's in Kansas in uh 2010. I was in the what's called the small school NFL combine. Basically, at that point in time, they used to have these little combines for kids who didn't go to big schools, and then you go there and compete, and they can see if you go ahead and qualify to be in the NFL draft and stuff like that. Well, I didn't get drafted, so I had to figure out to do next. I uh went to school for psychology. I wanted to be a marriage counselor. Uh, then I got married to my wife and decided no longer want to be a marriage counselor, all right. Uh so for those of you that are married, you probably relate. And uh had to feel I was do next. And um, at that point in time, uh, excuse me, and now we have me and my wife are still married. We have four children. I have an 18-year-old son, I have a uh a 15-year-old daughter, 14-year-old son, and a 12-year-old daughter. So, boy, girl, boy, girl, how they're all born. Uh, but I had to figure out to do next. And I remember I was up one night, you know, praying, I'm a man of faith, and the Lord was like, Well, go apply for JP Morgan. I said, Money, JP Morgan. All right, cool. So I got up and I started filling out this application, and I end up starting to do like a math test on a Friday evening. And I was like, What am I doing? And my sister-in-law was a banker at a at a um credit union in um in California as well. And I asked her, I was like, Did you have to do like a algebra test to to work for you know, work for a bank? She was like, No. I was like, Yeah, and I got frustrated. I was like, I don't want to do this crap. So I just stopped in the middle of it. I like, right? And I took my wife, we went and saw the movie. I couldn't tell you what the movie was, it must not have been good. Uh, because I remember everything else but what movie we watched, anyways. So uh ended up getting back home probably around 11:45, 12 o'clock at night, and the Lord just kind of spoke to me, like, go finish that application. So I got up, went to finish up. I'm doing math to like 1:30 in the morning on a on a Friday, early Saturday morning. And uh that was that was that weekend. I ended up finishing that application, and I got a call Tuesday from a lady named Jeannie Cox. That quick, a lady called me named Jeannie Cox. She said, Hey, how you doing? This is Jeannie. Wanted to reach out to you, calling from JP Morgan, wanted to invite you in for an interview. I saw your application, you scored really high on the math test. So, did I really? I said, Okay, cool. So then she um schedules me for an interview out in Mountain View, California. And uh I ended up going out to this interview in Mountain View, California, sitting down with the branch manager over there, and we're having a great conversation. He's like, I like you. Uh, I want to invite you back to go ahead and sit down with our GM. I said, Okay, cool. When do you want me to come back? Tomorrow next year. He's like, Can you come back like an hour and a half? Like, all right, I'll figure it out. Cool.

SPEAKER_02 4:26

Okay.

SPEAKER_01 4:26

So I came back an hour and a half later, and I'm sitting out with the GM, and the GM's asking me questions. He's asked me a bunch of questions about, you know, how come over the last year and a half you didn't have a job? And I was like, Well, I was training for the NFL. That was like my whole, that was like my main focus. Like, I don't know if you know how football is in America, but you can make a lot of money doing this. And that was all I was doing for the last year and a half, and he just could not get over that fact. And he he basically said I wasn't ambitious because I didn't have a job. And at that point in time, I was only like 21 years old or so. And uh I was just in shock about how much he just laid into me about that. So I left there, like, dang, I didn't get that job. Ended up going home. And um uh a couple days later, Jeannie called me back. She goes, Hey Tyler, how you doing? Wanted to reach out. How did the interview go? I said, I don't think I got that. I've never heard anything back, and you're the the most recent person I've heard from from JP Morgan. She's like, Really? It's like I thought for sure you get it. Like, I love you as a candidate. I was like, Oh, I appreciate that. She's like, you know what? I'm gonna set you up with a whole nother interview outside that guy's district. I'm gonna send you to uh a hiring interview in Fremont, California. I said, Okay, cool. So I went to this hiring interview for JP Morgan or hiring event for JP Morgan. They call it a hiring event because there's only like three of us there. Uh anyways, I walk into this room, I get seated to another like little office room, and uh a gentleman comes in by the name of Eric Powell. I'll never forget him. Uh, and I appreciate him. And we sat down for the next hour and a half, and all we did is talk about football. He didn't mention anything about my work experience, didn't worry about if I'm good in sales, and didn't worry about if I was good in finances, he didn't worry about any of that. An hour and a half, all we did is talk football. And he was just so intrigued about my mindset when it came to understanding discipline and reaching goals and working with the team and just everything that you kind of learn through playing sports. But obviously, when you play in college, you just play it at a you just do that at a higher level. And uh afterwards, I walked out that room like, I think I got this one, but how the last one was I just I don't know. So then literally about three days later from that, I get a call from a lady named Vicki, who was the branch manager at a location in Cupertino, California. And I come in, I meet with Vicky, and uh Vicky's um she hires me on the spot. She's like, Hey, this is for you. We we like you. We you know, Eric said some great things about you. He's not even the GM of this location. He just spoke so highly of you that we want to go ahead and offer you the opportunity. And I said, Okay, awesome. So I took the opportunity, and then for the next two years, I was with I was with them, I was with JP Morgan uh from that point forward. So that's how I got into the industry, per se, is that that's kind of like my journey story of how I got into it.

SPEAKER_00 7:08

Now, from there, high in the I'm gonna stop you right there just for a second, because you have said something that I want my audience to catch, which is I want to showcase how different people perceive things from their own experience and in different ways, right? You had one person interview you who could care less about the fact that you were training for a year and a half to get drafted into the NFL, and you had another person who saw the value in it and discussed that with you for your interview, right? So we have one who could not see past their own limited belief system, right? And another one who was more open-minded who could see the value in different things, not just actual work that he's done. Um, and that just it reminds me of that story of um, you know, when a dad, and I don't know if everybody knows it, but a dad gave a car to his son, and he said, Hey, go to the dealership and see how much it's worth. And the dealership gave him like five grand or something. And then he said, Well, go to the pawn shop and see. And the pawn shop was like, Oh, we'll give you a gring. And the son's like, Dad, why are you giving me this piece of crap? Right, what am I gonna do with it? And he goes, You know what, son? Go to the um what are those people that collect oh to the collectors, right? To a collector's auction or something, and they told him it was worth a hundred grand.

SPEAKER_02 8:54

Yep.

SPEAKER_00 8:54

Right. So it depends on where you are, and you should never ever base your self-worth on other people's opinions.

SPEAKER_01 9:02

Oh, that's powerful.

SPEAKER_00 9:04

Right. So thank you so much for sharing that and allowing me to just showcase those moments that you've experienced, um, so we can all learn from them. So sorry for interrupting.

SPEAKER_01 9:16

No, you're fine, and I and I a thousand percent agree. It's I it was the exact I'm I mean, I was the exact same person. I just showed up to two different people, and one person valued me, one person didn't. And um, you're a thousand percent right on that.

SPEAKER_00 9:28

That yeah, so okay, that's how you got into the industry.

SPEAKER_01 9:32

That's how I got into the industry. So from there, I was working with JP Morgan for a couple years, and a person basically had to have a certain amount of money to sit down and speak with me. Um, and I kind of really didn't like that because that means I just really couldn't help as many people as I wanted to. Um, so that was one thing. Secondly, I had helped somebody do about a half million dollar rollover of an old 41k slash IRA, and uh JP Morgan had paid me about two grand. So I'd made two grand in one hour at that point in time. I was like 22 years old, and I was fired up. I was like, Yeah, I made two grand, yeah, I was so excited. And then I went home and did my research and found out that that 2,000 would have been close to 30,000 if I just would have had my own company. So wait a dang minute.

SPEAKER_02 10:10

Yeah, it was a big discrepancy there.

SPEAKER_01 10:13

And remember, like I mentioned earlier, I'm from the hood, so I wanted to cut somebody. I didn't though, thank God. But I was highly upset, highly upset. And from that day forward, I had to figure out how the heck I'm gonna get out of here. And eventually ended up meeting somebody that actually already owned their own financial firm, and they actually decided they'd mentor, trained me, and coach me on what I could do to have my own. And I just did everything that gentleman told me to do for the next year, and I had my own company, and that's how I got that's how I got started and uh ended up forming my own business. So then now yeah, so then now I've been on my own now for 13 years.

SPEAKER_00 10:45

That is amazing. So, how okay, how did you find someone to mentor you? And the reason I ask a lot of people say, Oh, I am making all this money for my employer, I'm gonna go out and make it for myself, and they just open up a business, and you know, things don't always go right.

SPEAKER_01 11:09

Absolutely.

SPEAKER_00 11:10

You found a mentor, yeah.

SPEAKER_01 11:13

I did. So I was introduced to him by someone who was one of my bank clients. So just by you know, being at JP Morgan and being at the bank, obviously, people come in all the time and just having conversations. And honestly, really, what I was just doing, I just tell my vision to people. This is what I want to do, this is what I want to do. I always be talking about my vision. And from the vision, someone's like, I think I know someone who can help you. And that was the introduction of how I ended up getting introduced to somebody else. I just spoke about how I don't want to, I don't want to be working here forever. I want to own my own. And I just kept talking to people about that, and eventually it ended up happening. Um, so that's kind of what happened for me. So I just spoke about what I wanted, and eventually I spoke about it to the right person, and they said, I know somebody who could probably help you with that. And then they made the introduction, and I was um smart enough to just listen because I think sometimes we want mentorship, but we're not always culture to it. Um for me, I was just gonna be culture to what the Joe Man said because he had already done it, and what made it kind of cool was that he was actually from the same side of town that I was from, so it made it even more believable that I could do it too, if that makes sense, right? Yes, um, so that that that's what happened. I ended up, you know, clinging on, and we're still in contact to this day, like he still mentors me to this day. Um, but yeah, that's kind of how it all happened.

SPEAKER_00 12:31

Oh, that is amazing. And so now, 13 years later, you have built a successful company that is still going. Yes. I I love that you were open to asking for help, to telling people you're vision, to accepting and listening to that help, because I find a lot of people think, well, you know, I'm smart, I should know how to do this. You know, it's just business.

SPEAKER_01 13:03

It's what what what I've learned is the higher you go, the more coaching you need. The higher you go, the more coaching you need. So all the so obviously he coached me as I started, but I need more coaching now that I'm doing better than I did when I first started, because now it's a different lifestyle than when I first started. And I'm coming into situations and circumstances that I haven't experienced yet that he already has. So a fool will go ahead and make the same mistake someone else has, all right, or a wise person will listen to the mistakes someone else has made and just do the complete opposite. So that's what I'm just doing. I'm just listening, and as I go, continuously go ahead and listen and learn and listen and learn and and go ahead and do that. That's kind of been a success skill of mine is being able to just be coachable and not thinking that I know it all or that I've arrived, because I don't I don't think that by no means, because there's still a lot. I I I got a lot left in the tank, if that makes sense. I'm only 38. I got a lot left in the tank. I got a lot left in the tank.

SPEAKER_00 14:07

Oh my god, you have more than half your life left um working, right?

SPEAKER_01 14:13

Yes, absolutely.

SPEAKER_00 14:14

So, do you think because I'm kind of curious about this? A lot of athletes have, I mean, athletes have coaches, right? I mean, that's just part of being an athlete. You have a coach or two or three, right, who kind of help you through what you're doing, your stances, your everything. So, do you think that you are a lot more open to coaching and being mentored so that you can progress much more quickly than someone who's not, because of the fact that you were used to it from being an athlete?

SPEAKER_01 14:54

I agree with that a thousand percent. Um, sports has helped frame my life uh positively majority of the time. Um, because I have been in environments which I have to work with people or I have to be disciplined, I have to get up early, I have to set goals, I have to have strategies. So I just took all those same things, and then on top of what you're mentioning, coaching, I just took all that same thing, just apply it to business because it all kind of translates. Um, so for that, yeah, I thousand percent agree that being able to be coached in something else helped me to be able to be coached in business as well. And I can see it from the flip side of if you've never been in, you know, played sports and never had a coach, then someone tried to tell you what to do, you're, you know, you might want want to listen, or it might be harder to take coaching that way. Um, so yeah, I thousand percent agree that because I did play sports and was used to a coach, that it's helped. But I am but on top of that, and I didn't mention this, but I've had obviously have so you so in football, you have a bunch of coaches that are on a staff, right? You got your head coach who oversees everything, and then you have a bunch of positional coaches. Like if you play quarterback, you're get coached by the quarterback coach. You play receiver, you get you know, coach by the receiver coach, and so on and so forth. There's just so many different position coaches. Um, but in football, when you go to practice, uh even in college, the the goal isn't necessarily to help, then they're not there to help you develop as a player, they're there to help win games as a team. Does that make sense? Yes, right. So outside of my football team, I had an individual coach that would coach me, Tyler, as the player to develop and get better. So a gentleman by the name of Daryl Lutz was very instrumental in my development, not only just in football, but honestly becoming a man as well. He just poured into me so much. Uh, he was my personal trainer uh from my sophomore year in college until after I graduated college. And then on top of that, I even coached football with him for a year at a high school level. So he was he was very instrumental in my life, um, helped me believe in myself a lot more. He just poured so much confidence into me as a man that I am now today. Um, he didn't coach me in business, but he just he just coached me in football, and but that translated over the next 20 plus years now.

SPEAKER_00 17:14

So um and and that's where when when we had talked about the two people that you had interviewed with, right? One of them saw the value in training for the NFL because it does take a lot of discipline, yeah, it takes a lot of time, it takes a lot of energy, it's your whole life, you have to be coachable, right? Because you have to listen to what your mentors and coaches are telling you to do so that you can improve. Um, and so I love that whole story and how it all played out for you. Um, thank you for sharing that.

SPEAKER_01 17:55

Absolutely, you're welcome.

SPEAKER_00 17:56

So now going to your business. I know you had a mentor and you did everything your mentor taught you, and you're coachable, but did you have any obstacles in trying to build your business, especially at the beginning or even now?

SPEAKER_01 18:13

Yeah, absolutely. Um, in the beginning, and I tell people this when there's gonna be growth, it's gonna look messy. Growth is usually messy. So my biggest problem is okay, so uh I don't have you ever heard the acronym STAR STAR, and all it is is just personality types. So S stands for structure, T stands for technical, A stands for action, then R stands for relationship. And on that of the personality type, structure, technical, action, relationship, I'm a double A R. I'm action, I'm all about the action. Action, action, action. So that means I wasn't too structured, not very technical, and but then I know how to build relationships because I've been in you know team sports. So what I had to do is figure out a way to go ahead and get structured. Uh, although I wasn't structured, the good thing is my significant other is, so she's very structured. So for me, having her come into business with me helped a lot because then it put structure to our business. Uh, being able to track business, track our agency, track what's going on. So that kind of helped quite a bit. So for me, in the beginning, it's a whole lot of chaos, controlled chaos, you know what I mean? For the most part, but it's a lot of chaos trying to grow a business up front. And then what you have to do is find structure and get an operations team. So for me, implementing my wife, getting the right operations team really helped when it came to uh scaling and kind of moving forward. Because prior to that, I was a mess. Um, I mean, I knew where things were at, but if you're like, how did I get to this?

SPEAKER_00 19:51

Like, I uh see, you just brought up a couple of really, really good points. Okay. One that I'm a big, big fan of is strengthen your strengths and delegate your weaknesses. Yes, right? God is God made us all different. We all have different strengths. And so, why do we always have to feel like we have to work on our weaknesses and make them stronger? And no, we don't have to do everything all by ourselves, right? If we strengthen our strengths, we can be so much better and serve so much better rather than focusing on our weaknesses and trying to be okay at something, right? And so you did that, you got your wife to come in whose strong suit is not yours, right? And so you delegated your weakness of organization to someone else who then helped you create this amazing thing, yes, right? And the other thing you were talking about was the structure and tracking, right? You cannot improve that which you cannot measure.

SPEAKER_01 21:09

Absolutely.

SPEAKER_00 21:10

Um, so when you're tracking and you're organized and you see, and if you can do it, like you know, like Tyler, find someone else who can do it for you, right? Because that's what's gonna help you figure out what your next step is. That's what's gonna help you do things that move the needle forward rather than just busy work and being chaotic all the time. Um, and so yes, all of us, including me, when we first start a business, it is so chaotic. You're doing everything all yourself, you're trying to figure it out, and that's okay. But then you have to ask for help. You have to find those pieces and those people who can come in and plug your weaknesses, those holes in the bucket. Absolutely. Um that is awesome.

SPEAKER_01 21:59

And and then Even for for especially for people if you're just starting your business too, there's ways to get inexpensive help. Like there's so many VAs out there now. Like that really wasn't a thing when I got started. You know? So we also we also didn't have AI to ask questions to either. Like, there's just there's so many different resources at our fingertips now. It's just now are you gonna put in the work to go find them? Uh so I just think for people who are starting out, you there's different ways you can figure out ways to get organized without you know blowing the bank to go ahead and pay somebody you know a large salary up front. So there's definitely ways to do that.

SPEAKER_00 22:37

Yes, 100%. Um, are there any other obstacles that you can share with us?

SPEAKER_01 22:45

Yeah, so after that, my next far part was trying because I don't okay. How do I how do I say this properly?

SPEAKER_02 22:51

Oh, just say it.

SPEAKER_01 22:53

Okay, we're all friends here.

SPEAKER_02 22:55

Absolutely.

SPEAKER_01 22:55

No, what I'm trying to say is okay, so I I do finances, like that's what my company does. I do finances uh for you know for professional athletes, business owners, families. I we do all that, which is cool, but I don't want to do every single appointment. Okay, so from there I had to go ahead and start developing a um uh an agency, a sales team, uh licensed professionals that can do what I can do uh for me to go ahead and train. So the next part is gonna be looking for and hiring and training people. Um, that's a skill in itself. So it's it's a completely different skill from doing it yourself compared to coaching somebody into doing it. Two completely different skills. So I had to start looking for, finding, mentoring, training people, and that was a whole different obstacle I had overcome because you think you got somebody good and you find out they ain't too good. Um, so that's an obstacle itself is hiring, finding the right people, developing them. Um so now you have you have an operations team, and then you also have a sales team per se. And now you're kind of moving forward from there, but developing the sales team and mentoring them and training them and teaching them how to do it. And one thing that I've noticed and learned is that not everyone has people skills.

SPEAKER_02 24:16

Oh, yes.

SPEAKER_01 24:18

And I I've learned that common sense ain't too common. Uh so I'm finding out that as I'm growing, that I'm having to train people on how to talk to people. Like I I thought it was not knowing because since I played sports and I got, you know, I didn't mention this, I got six sisters and four brothers. Um, I've been around people my whole life. So I understand people, but that's not everybody. And that's not a strength for everybody. And speaking is not a strength for everybody. So you said something earlier that resonated with me quite a bit is being able to leverage and delegate different tasks. So my skill is speaking. So I don't mind speaking, I don't mind doing a video, sending it out for training or whatever I got to do to go ahead and do that and coaching people that way. I might not always want to sit down with the client. And not saying that I won't, but that's that that's not a skill that I want to focus on right now because that's that's not that's not where we're at nor as far as for us to scale properly. Um, I do it every now and then still, but I prefer to kind of focus on my strengths, which is speaking. And that's why I do podcasts and things like this, so I can go ahead and educate and get information out there to people.

SPEAKER_00 25:26

And so you're the CEO rainmaker of the company, where you're working on the company, right? Giving those educational speaking engagements, getting you know, people to know who you are, um, helping, right, and trying to get them into the business so that your people can take care of them.

SPEAKER_01 25:52

Correct, exactly how it is. So um, I speak and then I got a podcast light as well that you will be on, hopefully in the future.

SPEAKER_02 26:01

Thank you.

SPEAKER_01 26:02

Absolutely. Um, well, I'm speaking, speaking about finances, educating people because um I just want to bring value to it because when I found out a couple of things. One, the number one reason for divorce is because of finances. Uh, because remember, I mentioned I want to be a marriage counselor, so that's part of the reason why finances made sense. I want to help lower that divorce rate. And then two, uh, I'm big on health. And the number one reason, the number one cause for people getting sick is stress. The number one cause of stress is money. So if I can help people get out of that situation of focusing on money and they can really live their life. So I I live my life by something called the five Fs, which stands for faith, family, fitness, finances, and fun. And I think if you have all those working in your life properly, you have the sixth F, which is called freedom. And that's what I want everyone to have. I want everyone to have, you know, go ahead and live by their five F's. I don't you don't have to be the same faith as I am, but have some type of faith in something. Uh, I want your family to be in order. That means that goes for your you and your kids, you and your spouse, whatever it may be. I want that to be in order. I want your fitness in order as well, because um health is wealth. That's really where wealth is. Because you tell me about a billionaire that has cancer, he don't want he rather he much would rather change all his exchange all his money to go ahead and be healthy. Um, so we want to focus on the health, and then we want to go ahead and make sure your finances are in order. And what I've started to notice so much as being an adult, a lot of us do not know how to have fun anymore. Right, it's crazy. Like I asked them, well, what do you do for fun? Well, you know, I go to work.

unknown 27:31

What?

SPEAKER_01 27:32

What hang out with my kids? That is fun, I get it. But eventually kids gotta go to bed. What you like to do, man? And we just forget to have fun, uh, as far as that. So I want to help people get the five F's going back in their life.

SPEAKER_00 27:47

That and I love it because I love your five F's. I'm gonna write them down after we're done with this and just post them on my wall with the sixth one, because the goal is the freedom. Absolutely. Um, but it's so true. I don't know if you're familiar with like Dr. Joe Dispenza and his work and people in that field, but it has been proving that when you have faith in something bigger than you, your brain actually changes and your life becomes better. Yeah, it right, you de-stress, um, so you're healthier, you know. So that faith from the beginning actually helps the rest of the five. Everything, everything, you know, and you're right, you don't have to believe in the same things I do or you do or whatnot. We can all have our own faith in whatever it is that we believe in. Um, and then family. I mean, family is the most important part of your life. Who else is doing this for? Right? Um, so we have to have them in there. And hang having faith and hanging out with family actually does de-stress you. Yes, right.

SPEAKER_01 29:11

Absolutely, absolutely, I thousand percent agree.

SPEAKER_00 29:15

Oh, and you need to keep your money so you can buy good food instead of junk so you can stay healthy, and so all of them kind of work together as a cohesive unit. Yes, you know, for a better life. Um, I hear a lot of people say, Well, I don't have time to take care of myself.

SPEAKER_01 29:34

Yeah, that's I think we have time for whatever we want to we value whatever we spend time on. So if you don't have time for it, you just don't value it at the moment. And you don't start valuing it until you find out how much you need it. And you know, I just truly believe proper preparation prevents poor performance. So I want to make sure I'm going ahead and being properly prepared prepared. I've also heard this that an ounce of prevention, an ounce of yeah, an ounce of prevention is better than uh a pound of cure, right? So I want to make sure I'm already up to date with all that stuff. I don't want I want to prevent things from happening. I don't want to try to get cured when something happens. So a lot and and we all have the same 24 hours. Like, let's just be real. We all got the same 24, just schedule it in. Like, like I get to the gym at six o'clock in the morning every morning, right? Six o'clock, six between six and six thirty every morning, Monday through Saturday.

SPEAKER_00 30:25

I'm in there working out, and you have four kids, and I got oh, I bring two of them.

SPEAKER_01 30:29

And you have a business, and I got a business, right? I bring two of the kids with me every morning, they're with me.

SPEAKER_00 30:35

Oh, I love it. Get them healthy and fit right from the beginning. Um, you know, it's funny because I always tell my clients and I ask them, I'm like, don't you owe it to your clients to be the best version of yourself?

SPEAKER_01 30:49

Yes, we do.

SPEAKER_00 30:50

Okay, don't you owe it to your family to be the best version of yourself?

SPEAKER_01 30:53

Yes, we do.

SPEAKER_00 30:54

Don't you owe it to your friends to be the best version of yourself? Yes, then how are you gonna give them the best version of yourself if you're not taking care of yourself? You're being selfish by not taking care of yourself.

SPEAKER_01 31:05

I agree.

SPEAKER_00 31:07

Right? So it is very important. Um, the self-care. And so, oh, this is great. Let's let's let's shift a little bit and go to what's working in your business and how did you get it to work?

SPEAKER_01 31:23

Okay, what's working for me? I do so pre-recordings work quite a bit. And what I mean by that, I have a um, I have a free course that I offer. So that's kind of the how people get into my ecosystem, right? Okay. So I have a I have a free course that people can go and get into. And the free course is about finances. Um, you know, how to how the first thing in the in the course talks about the mindset, your money mindset, because a lot of us come up or we've created or we've bought into stigmatisms that we had since we were a child, right? One thing that I heard, you know, a lot of my life is you know, money doesn't grow on trees. Well, how do they print a thing? Because it definitely comes on paper, or it's hard to get money, or probably one of the biggest misconceptions um, money's the root of all evil. Like, no, that's not what it says. It says the love of money is the root of all evil, so which is a big difference. Um, so I do have a I part of the course is the module speaking about the money mindset and how to change your mindset when it comes to money. Uh, then the next portion goes into budgeting, then how to get out of debt, then how to go ahead and you know, uh start an emergency fund, then how to go ahead and start saving for your future, then talking about life insurance and talking about having to trust and how can about saving for your kids' college. So it's a free course that anyone could have access to, uh, talking about that. So that course gets people in my ecosystem. All right, it's me speaking on it. Uh, that's why I say I love to use my skills. I did a course, send people to it, they go learn, get some free information, then from there, if they want to potentially become a client, they can book a time, then someone on my team can go ahead and help them that way. If they're like, you know what, I need more in-depth and they want coaching, I coach people in the five F's from there if they want to go ahead and do that. So that's kind of um what's been working for us.

SPEAKER_00 33:11

So, how how can people get into your free course?

SPEAKER_01 33:15

Oh, they they can go to um they can go to my our website, uh money masternation.com, and then it'll click on um money master university, and then there you go. They click on it and now they're in.

SPEAKER_00 33:28

Okay, moneymasternation.com. If you missed that, don't worry, it will be in the comments and at the end of the show as well, because I do believe that anytime you can get some valuable information on your finances, you should take advantage of that. Um, so thank you for sharing that. And is there anything else that you would like to tell our audience about business, about running a successful business, or even finances, how you actually help people?

SPEAKER_01 34:05

Yeah, for sure. So, a lot of times what we do is we are we're helping people with their preservation of their wealth. So, a lot of times when you hear most people talk about finances, they're talking about okay, well, how do I grow? What stock do I get into? What stock do I buy? Which is cool, and that's awesome. And there's a lot of different strategies on how to do that. Our focus is typically going to be for people who have some wealth and they want to make sure that they can preserve it, use it for retirement, and even pass on to next generation as well. And that's really where we kind of specialize in, okay, in that area. Um, because when it comes to money, there's like three different stages. You have the accumulation stage, the protection stage, and the distribution stage. So the accumulation stage is typically going to be from you know zero until you're like 50.

unknown 34:47

Right?

SPEAKER_01 34:47

You want to you want to accumulate as much as you possibly can. And then once you get to 50 to like 65, you're trying to go ahead and protect it now because now that you have some wealth, there's so many different types of people that can want to come after you, okay? And we teach people how to properly protect it, and then there's a distribution phase on how they can start taking it out and based upon how they're gonna pay taxes on it. There's you know, you could pay taxes now, later, or something else called tax advantage, and a lot of people like those types of options being able to have their money protected and have advantages on it, which I don't have to worry about paying taxes when they're starting to take distributions.

SPEAKER_00 35:22

So you know, I love it because I I always want to pay Uncle Sam every penny that he's due, right? Because I do believe in the taxation system, I believe in having working roads, I believe in having all the infrastructure, but at the same time, I don't want to pay more than I have to.

SPEAKER_01 35:42

Exactly. I don't mind paying my fair share.

SPEAKER_00 35:45

Yes, and so I love that you have these strategies that help people minimize what they have to pay, and they can just pay what they actually owe, yeah, rather than falling in those loopholes and paying extra for no reason, just because they didn't know.

SPEAKER_01 36:04

Yeah, there's strategies out, there's strategies out there in which you can put your money into, in which your money can actually grow tax-free. You can take it act out tax-free. You can it's protected from the courts, the IRS, taxes, litigations, lawsuits, malpractice, divorce in most states, child supports in most states, uh, bankruptcies and stock market risk. But people just don't know this because there's no financial education in schools, right? So that's why I'm called a financial educator because all I want to do is just spread the good news. Spread the good news. You don't have to have gone to Harvard to understand your finances, you don't have to have gone to Yale. You don't have to, you don't have to have that level of education to understand where you're at and how to have access to and how to do some right things and save properly and things like that. So um, yeah, my job is just to spread the knowledge, help people get more educated on their finances, be more confident and competent. I see those two things right there for sure.

SPEAKER_00 36:56

That yes, and I love that because you know, a lot of people know how to make money, yep, but they don't know how to keep it.

SPEAKER_01 37:02

Absolutely not.

SPEAKER_00 37:06

We're not educated on that, right? Your school is about keep your head down, do your work, memorize what's in front of you, listen to authority, and maybe you can get a good job that you can keep your head down, do your work, listen to authority, and then die, right? Like that's and that's not what we're made for. That's not, you know, these new generations that are coming up are not happy with that, and I can't blame them. Right. Um, so I love that you're educating people on how to keep their money rather than continue this cycle of make and spending, make and spending. Oh my god, now I'm 65 and I have to go work a you know, a grocery store bagging groceries because I can't, right?

SPEAKER_01 37:56

It's so true. Um and you just described what I call the 40 40 40 plan. You work 40 hours a week for 40 years of your life to live on 40% of what you made in retirement. That sounds like hell to me, right?

SPEAKER_02 38:13

No, I'm good.

SPEAKER_01 38:14

That sounds horrible, you know. Uh absolutely not. Like, no, and but that's unfortunately that's what people have signed up for unwillingly, and um because they're not properly educated, don't know what to do, just they just do whatever plans they're told at work, and they're hoping that it works. Um and a lot of times I think what happens is when people come across someone like myself, they think, well, I don't have enough money or I'm gonna get charged too much. The good news about what we do is this, we actually don't take fees from our clients. What? The per who pays me is whichever company we place them with. So I'm a I'm a broker, so I have access to you know several different, not just several, um, probably 30, 40 plus different companies at our at our at our fingertips, all A-rated type companies, in which whenever we place a client with them, they're the ones who compensate us. We don't take it out of our client's pocket.

SPEAKER_00 39:11

I love it. So okay, we're we're running out of time, but I want to get this point across to people is you have fiduciaries and you have dual fiduciaries, right? And so if they have a financial advisor or someone who works for a certain company that sells products, they're only getting that company's product and not necessarily what's best for them out there.

SPEAKER_01 39:47

That's a thousand percent true. Okay, when I that's part of my reason why I left JP Morgan, because that's all I could tell.

SPEAKER_00 39:54

It was JP Morgan, even if there was something better for your client, you can't you can't do anything, correct? Right, but because you have your own company and you have access to all of these different companies that offer the cer the financial services, you can find the best plan for your client, notwithstanding who sells it.

SPEAKER_01 40:21

Correct. Like I have absolutely no loyalty to any of those companies. My loyalty is to the client. Like, I I don't care. Like, I have no loyalty to them. If I want to, I can get rid of them tomorrow. It doesn't matter. All right, my loyalty is to the client to find what's their best need, then match them with the company that will fit that need. That's that's what we do. And I'm I always it's always for us, and it's been like this since I've been in business, it's always the mission before the commission. We must do what's right for the people. We're not worried about our compensation. Okay, because it's really about yeah, exactly. It's about building relationships. This is a relationship building type of business, so it's not just wham bam, I'm done. I never talk to you. I'm like, no, like you're you're our client now, you're gonna be getting annual reviews, we're gonna be meeting together. Like some of my clients, like they like me so much, I get invited to all kinds of stuff. Like I've been invited to been invited to weddings, I've been invited to baby showers, I've been, you know, invited to all kinds of different things. Um, because people are my clients and they they like the services. Um, but more importantly, I think they like me as a person, right? Which I'm just toot my own horn, just a little, just a little bit, just a little bit. Uh but um, and that's kind of what I what I like is you know, then I'm in we're doing life together now. It's not just um we never talk again, which is pretty cool. So I'm I'm constantly building and making friends.

SPEAKER_00 41:44

That is awesome. And so before I let you go, two things your contact information, which is oh, okay.

SPEAKER_01 41:53

So you can reach me. You can reach me uh on my website, moneymasternation.com. Uh, also you can reach me on Instagram at moneymaster uh408. Okay, those are two ways you can have access to me. You can get a hold of me there. Um, either way.

SPEAKER_00 42:09

Okay, and then how can we listen to your podcast?

SPEAKER_01 42:12

Oh, you can go to moneymasternation.com if the podcast is on their website as well. It's on the website, awesome. And then we you could find me on Apple and Spotify and uh you know Amazon, just wherever a podcast is, you can basically listen to me there. Uh, the podcast name is Money Master. That's the name of the podcast, Money Master.

SPEAKER_00 42:30

Moneymaster. Okay, and then the second and final thing before I let you go, if you could only give business owners one piece of advice to be successful, what would that like?

SPEAKER_01 42:43

You can't give up. You can't give up. Like you there's gonna be some amazing days, and there's gonna be days you can't stand, like you just hate. But you have to understand there are up days and down days, but reality is always just somewhere right in the middle, and also never make a decision when you're down because that's not the real you. That's not the real you. So you gotta make sure you know you can't quit, you can't give up. Doesn't matter how hard it's looking. Please understand everything worth having never comes easy. Uh, keep pushing through. You and one of the most important things too, you have to have self-talk, you have to tell yourself you're the best, you have to tell yourself you can do it, you have to tell yourself you can get through this. You constantly have to be talking positive to yourself because although there's gonna be negative thoughts coming into your head, only you have to counteract it with positivity. So it's okay if birds fly over your head, just don't let them lay a nest there. Okay.

SPEAKER_00 43:33

So I love that analogy. I just pictured it.

SPEAKER_01 43:39

But that that's what I'd say to anybody.

SPEAKER_00 43:43

Thank you so much. This has been so great. Um, I really appreciate all the value that you've given us today. And for my listeners, thank you for being here and supporting us as we support you. And we will see you next time.