Episodios

  • The Declaration of Financial Independence: What Freedom Really Means

    The Declaration of Financial Independence: What Freedom Really Means
    Jul 7 2025
    In this special July 4th episode of The Prosperity Lounge, Joey Ruffalo gets personal. He opens with a powerful tribute to his father, Joseph J. Ruffalo Jr., a Vietnam War veteran, community leader, and advocate for the blind. You’ll hear Joey’s dad read the poem “It’s the Veteran” and learn how his life shaped Joey’s views on freedom, finances, and faith. Then, Joey dives into the Declaration of Independence, pulling out 5 key phrases and showing how they still apply today — not just to nations, but to your daily life. This episode will help you: Understand what real financial freedom looks like (it’s not about yachts) Identify the three stages of financial freedom: Stability, Security, and Choice Walk through your own Declaration of Financial Independence using a free worksheet Shift from reacting to your money… to leading it with clarity and purpose You’ll also hear real listener questions answered with real-world guidance. 📥 Download your free worksheet 👉 www.TheProsperityLounge.com/freedom 🎧 Available on YouTube, Spotify, Apple Podcasts, and all major platforms. Until next time, stay faithful. Stay fearless. Freedom lives where faith and action meet. The Lounge is always open.
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    1 h
  • From Burnout to Business: How Camp Honey Coffee Grew from a Dream to a Small Business Reality

    From Burnout to Business: How Camp Honey Coffee Grew from a Dream to a Small Business Reality
    Jun 30 2025
    In this episode of The Prosperity Lounge, Joey Ruffalo talks with Whitney Holliday, owner of Camp Honey Coffee in Knoxville, TN. Whitney shares how she left a stressful job, faced burnout, and started a new business with purpose. They talk about money mindset, taking risks, and building a small business from the ground up — even without a detailed plan. You’ll hear real talk about budgeting, community, and how business can be part of healing. Whether you’re looking for small business growth, budgeting tips, or financial coaching ideas, this story will inspire you to take the next step toward your own version of prosperity. 📍 Topics include: Personal finance and burnout recovery Business strategies without big budgets How to grow a business with community in mind Financial wellness through ownership The power of mindset in starting over 🎙️ For more money tips and tools, visit TheProsperityLounge.com 📺 Watch the full show on YouTube or subscribe to the podcast
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    1 h y 2 m
  • Home Maintenance and Financial Wellness Strategies for Prosperity with Brad Fleming of HomeSmiles Knoxville

    Home Maintenance and Financial Wellness Strategies for Prosperity with Brad Fleming of HomeSmiles Knoxville
    Jun 23 2025
    In this episode of The Prosperity Lounge, we explore the crucial connection between financial wellness and effective home maintenance with Brad Fleming, owner of HomeSmiles Knoxville. Financial wellness is essential for securing your financial future, and maintaining your home is a key part of that strategy. We delve into actionable budgeting tips and financial insights that empower listeners to protect their investments and avoid costly repairs that can derail your finances. Whether you're in the process of buying a home, maintaining your current property, or looking to enhance your money mindset, these tips will guide you toward a prosperous and healthier financial future. Tune in for essential knowledge that bridges home upkeep with sound financial strategies! Visit www.theprosperitylounge.com Buy me a Coffee: https://coff.ee/prosperitylounge HomeSmiles Knoxville https://homesmiles.com/location/homesmiles-knoxville/ Subscribe on youtube: www.youtube.com/@theprosperitylounge
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    59 m
  • Financial Wellness & Business Growth for Young Entrepreneurs | Baked By Grace on The Prosperity Lounge

    Financial Wellness & Business Growth for Young Entrepreneurs | Baked By Grace on The Prosperity Lounge
    Jun 18 2025
    In this episode, Joey Ruffalo explores financial wellness strategies for young entrepreneurs, highlighting real-world tips around budgeting, money mindset, and business growth. He’s joined by 14-year-old Gracie, founder of Baked By Grace, who shares her journey of building a profitable baking business while navigating Tennessee’s cottage food laws, managing orders, and balancing homeschool with entrepreneurship. From personal finance to small business strategy, this conversation delivers actionable money management tips, financial literacy insights, and a dose of inspiration for the next generation of leaders. 🎧 Listen now or watch on YouTube. 🌐 Learn more at TheProsperityLounge.com Visit The Prosperity Lounge Baked by Grace Subscribe to The Prosperity Lounge Youtube channel
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    57 m
  • 3 Power Moves to Build Your Brand Today | Financial Strategies for Entrepreneurs

    3 Power Moves to Build Your Brand Today | Financial Strategies for Entrepreneurs
    Jun 9 2025
    Unlock your business growth with proven branding insights and financial strategies from financial coach Joey Ruffalo. In this episode, discover how to build a bold personal brand, improve your money mindset, and take actionable steps toward long-term prosperity. These tips are ideal for entrepreneurs, small business owners, and side hustlers ready to turn financial coaching into real-world results.
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    55 m
  • Debt vs. Retirement? Proven Strategies to Crush Debt Without Killing Your Future

    Debt vs. Retirement? Proven Strategies to Crush Debt Without Killing Your Future
    Jun 2 2025
    Is it smarter to pay off debt or invest in retirement — and how do you know when to hit pause? In this episode of The Prosperity Lounge, Joey Ruffalo breaks down the most emotionally loaded question in personal finance:“Should I pause my retirement contributions to pay off debt?” You’ll discover: ✅ The exact debt payoff strategies that work (Snowball, Avalanche, Hybrid & more) ✅ How your age and proximity to retirement change the entire conversation ✅ Why the math says YES — and when it doesn’t ✅ How to negotiate with lenders and build a real payoff plan ✅ Listener questions on car loans, savings, medical bills, and more Joey also shares how he and his family paid off $370,000 in debt — and what made the biggest difference. 🎁 Grab the Debt Payoff Tracker and budgeting tools at 👉 TheProsperityLounge.com 🎧 Subscribe, leave a review, and share this episode with someone who’s ready to break free. Because debt steals your future — but every payment is a punch back. Let’s fight this together.
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    29 m
  • Why Money Stress Is Wrecking Your Health (And How to Take Back Control)

    Why Money Stress Is Wrecking Your Health (And How to Take Back Control)
    May 26 2025
    Feeling overwhelmed by money stress? You’re not alone. In this episode, Joey Ruffalo shares how financial anxiety impacts your health, relationships, and mindset—and what habits can bring peace. Learn how to budget with intention, reduce guilt, and start talking about money without the fight. 📲 Get free tools, guides, and join the community at theprosperitylounge.com financial wellness, money stress, budgeting tips, mental health and money, financial coaching, values-based budgeting, money and relationships
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    31 m
  • From Side Hustles to Breakthroughs: How I Paid Off $370K in Debt

    From Side Hustles to Breakthroughs: How I Paid Off $370K in Debt
    May 19 2025
    What happens when budgeting isn’t enough? You hustle—with purpose. In this powerful episode of The Prosperity Lounge, Joey Ruffalo shares how he and his family used side hustles to pay off over $370,000 in debt—and how you can create financial breathing room, margin, and momentum using what’s already in your hands. We’ll walk through: Why most people don’t have an income problem—they have an only one income problem How to find your “Sweet Spot” for a profitable side hustle Tips to get started fast without a website, business plan, or burnout Real examples of everyday people turning skills into income Plus: How Joey’s eBay flipping days became a #1 bestselling book on Amazon 💻 Join the free community: www.TheProsperityLounge.com 📺 Catch the full video on YouTube https://www.youtube.com/@theprosperitylounge 🎙️ Subscribe on Apple Podcasts, Spotify, or wherever you listen You don’t need perfection. You need a plan. Let’s build one—together.
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    30 m