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Join us on Average Joe Finances as our guest Larry Mietus, the 'Chief Excuse Obliterator,' to discuss leadership, accountability, and company culture. Larry shares his journey as a business consultant and author, highlighting his approach to transforming excuses into solutions.From personal anecdotes to professional strategies, Larry provides valuable advice for leaders and entrepreneurs looking to enhance their business operations and personal growth.

In this episode:

• Learn to identify and replace excuses with actionable solutions for transformative growth.
• Understand that transparency and accountability build a results-driven, empowered workplace culture.
• Realize the importance of continuous learning and self-education as tools for leadership and success.
• Discover how fostering ownership and teaching business fundamentals drive team innovation and alignment.
• And so much more!

Key Moments:

00:57 Meet Larry Midas: The Chief Excuse Obliterator

01:28 The Journey to Becoming an Author

02:26 Excuses in Business: Identifying and Eliminating Them

04:00 Creating a Solution-Oriented Culture

04:56 Teaching Employees to Think Like Owners

05:39 The Importance of Loving Your Work

08:30 Transparency and State of the Company Meetings

10:55 The Role of Leadership in Employee Success

15:58 Observing and Improving Company Culture

17:47 The Pitfalls of Success and Complacency

21:20 Financial Literacy and Business Success

23:08 Living Below Your Means

23:29 Warren Buffett's Frugality: Lessons from a Billionaire

24:24 Understanding Business Valuation

27:01 The Art of Business Focus: Narrow vs. Broad Strategies

27:54 Biggest Financial and Business Mistakes

30:57 Tips for Aspiring Entrepreneurs

35:01 Recommended Reads

37:19 Final Words of Wisdom

39:38 Conclusion: Stay Accountable and Keep Learning

Find Larry Mietus on:

Website: https://speakingofstrategy.com/

LinkedIn: https://www.linkedin.com/in/larrymietusspeakingofstrategy/

X: https://x.com/larrymietus

Youtube: https://www.youtube.com/@leadershiplarry9468

Average Joe Finances®

All of our social media links and more: https://averagejoefinances.com/links

About Mike: https://mikecavaggioni.com

About Tawnya: https://www.themoneylifecoach.com/

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*DISCLAIMER* https://averagejoefinances.com/disclaimer

See our full episode transcripts here: https://podcast.averagejoefinances.com/episodes

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Join us on Average Joe Finances as our guest Moshe Popack, chairman of YMP Real Estate Management, discusses his journey from New York to Miami, his initial struggles, and how he turned to real estate after losing his job during the 2007-08 financial crisis. He also shares practical tips for getting started in real estate and emphasizes the need for continual self-improvement and clarity of vision.

In this episode:

• Understand that adaptability and resilience are key to navigating economic challenges and thriving in uncertainty.
• Learn that passion and genuine interest in your work fuel long-term success and prevent burnout.
• Recognize the value of inclusive leadership and diverse perspectives for stronger, innovative teams.
• Discover the importance of starting small, taking calculated risks, and aligning with the right partners.
• And so much more!

Key Moments:

00:00:27 Moshe Popak's Background and Family Life

00:01:15 Starting Over in Miami

00:01:53 Transition to Real Estate

00:03:04 Entrepreneurial Mindset and Challenges

00:04:01 Importance of Vision and Execution

00:04:15 Navigating the Real Estate Industry

00:05:06 Breaking Free from Comfort Zones

00:07:04 Financial Management and Resilience

00:16:18 Empowering Women in Business

00:17:58 Realizing the Need for Financial Literacy

00:18:11 Commitment to Learning and Seeking Support

00:19:07 Faith and Financial Awakening

00:19:39 The Role of Faith in Entrepreneurship

00:20:40 Overcoming Fear and Embracing Failure

00:20:57 The Importance of Non-Judgment

00:22:01 Youth and the Value of Hard Work

00:26:23 The Power of Partnerships

00:27:14 Tips for Real Estate Beginners

00:31:51 Final Thoughts and Words of Wisdom

Find Moshe Popack on:

Website: https://moshepopack.com/

LinkedIn: https://www.linkedin.com/in/mpopack/

Facebook: https://www.facebook.com/MoshePopack

Instagram: https://instagram.com/mpopack

Youtube: https://www.youtube.com/@mpopack

Podcast: https://moshepopack.com/podcast/

Average Joe Finances®

All of our social media links and more: https://averagejoefinances.com/links

About Mike: https://mikecavaggioni.com

About Tawnya: https://www.themoneylifecoach.com/

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*DISCLAIMER* https://averagejoefinances.com/disclaimer

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Listen on: Apple Podcasts Spotify

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Join us on Average Joe Finance hosts Mike Cavaggioni and Tanya discuss their reflections on 2024 and share their goals and strategies for a successful 2025. They emphasize the importance of being present, setting intentions, and reflecting on achievements and shortcomings to improve for the future. They also touch on planning for potential investments, building liquidity, and considering alternative lifestyles such as becoming an expat. The episode concludes with advice on celebrating wins and being intentional about personal and financial goals.

In this episode:

• Discover the power of mindfulness in achieving financial and personal growth.
• Understand the value of compound interest in long-term wealth building.
• Embrace change by exploring new living environments and career paths.
• Reflect on your goals regularly to stay focused and intentional in your actions.
• And so much more!

Key Moments:

00:00:19 Reflecting on 2024: Personal Growth and Challenges

00:01:19 Financial Strategies and Investment Insights

00:06:27 Exploring Expat Life and International Living

00:12:19 Setting Goals and Intentions for 2025

00:16:09 Balancing Life: Fun, Finances, and Personal Time

00:22:20 Closing Thoughts and Future Plans

Average Joe Finances®

All of our social media links and more: https://averagejoefinances.com/links

About Mike: https://mikecavaggioni.com

About Tawnya: https://www.themoneylifecoach.com/

Show Notes add-on continued here: https://averagejoefinances.com/show-notes/

*DISCLAIMER* https://averagejoefinances.com/disclaimer

See our full episode transcripts here: https://podcast.averagejoefinances.com/episodes

Listen on: Apple Podcasts Spotify

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Join us on Average Joe Finances as our guest Elizabeth Bieniek, an accomplished entrepreneur and author of “Cake on Tuesday: 25 Lessons to Unlock Corporate Innovation”, shares her unconventional career journey from studying creative writing to becoming an entrepreneur in the tech industry. She discusses the value of starting with a fresh perspective, the importance of asking 'why,' and the role of embracing and leveraging diverse teams for innovation. Elizabeth also highlights the challenges and opportunities she faced, offering practical advice on entrepreneurship and the significance of investing in oneself.

In this episode:

• Discover the power of embracing curiosity—it opens doors to opportunities and fuels innovation.
• Realize that action conquers fear; momentum builds success one step at a time.
• Acknowledge the strength in "not knowing"; vulnerability fosters collaboration and growth.
• Explore the impact of small gestures—creativity and kindness elevate team morale and drive progress.
• And so much more!

Find Elizabeth Bieniek on:

Website: https://www.elizabethbieniek.com/

LinkedIn: https://www.linkedin.com/in/elizabethbieniek/

Instagram: https://www.instagram.com/cakeontuesday/

Email: connect@elizabethbieniek.com

Average Joe Finances®

All of our social media links and more: https://averagejoefinances.com/links

About Mike: https://mikecavaggioni.com

About Tawnya: https://www.themoneylifecoach.com/

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*DISCLAIMER* https://averagejoefinances.com/disclaimer

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Join us on Average Joe Finances as our guest Larisa Olteanu from Unshakable Wealth shares her inspiring story of overcoming a tumultuous childhood and severe financial hardships. Arriving in the U.S. with just $20, Larissa details her journey from learning English on the job to earning a finance degree and working with ExxonMobil. She further explains how she transitioned to founding Unshakable Wealth, with a mission to empower others, especially women, in their financial journeys.

In this episode:

• Discover how resilience in adversity builds strength and financial responsibility.
• Understand how education unlocks opportunities for lasting financial independence.
• Learn how shifting to a growth mindset transforms challenges into opportunities.
• Gain insight into empowering others through financial literacy and shared knowledge.
• And so much more!

Key Moments:

00:01:13 Introducing Guest: Larisa Olteanu from Unshakable Wealth

00:01:35 Larisa's Inspiring Journey

00:01:53 Lessons from a Challenging Childhood

00:03:41 Navigating Financial Hardships and Early Responsibilities

00:06:13 Adapting to a New Life in the U.S.

00:08:31 The Importance of Education and Personal Growth

00:11:50 Shifting Mindsets: From Victim to Victor

00:17:43 Investing in Real Estate and Personal Development

00:20:13 Challenging Beliefs About Wealth and Success

00:23:32 Transitioning to Unshakable Wealth

00:25:47 Balancing Motherhood and MBA

00:26:11 Turning Down Job Offers for a Dream

00:26:51 Understanding Personal Finance Challenges

00:28:32 Empowering Women in Finance

00:32:03 Final Round Questions

00:33:43 Practical Financial Tips and Mindset

00:37:30 Networking and Learning from the Wealthy

00:42:11 Recommended Books and Resources

00:45:41 Where to Find More Information

00:47:21 Closing Remarks and Call to Action

Find Larisa Olteanu on:

Website: https://www.shakeablewealth.com

LinkedIn: https://www.linkedin.com/in/larisa-olteanu/

Average Joe Finances®

All of our social media links and more: https://averagejoefinances.com/links

About Mike: https://mikecavaggioni.com

About Tawnya: https://www.themoneylifecoach.com/

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Join us on Average Joe Finances as our guest Curtis May, the host of The Practical Wealth Show Podcast and the creator and owner of Practical Wealth Advisors. Curtis has been planning for individuals for more than 35 years, and he is passionate about helping his clients save money and live the very best life they can right now. The primary focus of his financial planning firm is to help businesses and families become financially free by following the principles of wealth creation that have endured for centuries around the world.

In this episode:

• The importance of understanding cash flow, the differences between saving and investing, and principles for wealth creation.
• Challenges common financial advice, such as solely relying on 401(k)s and mutual funds, and emphasizes the value of holistic planning and financial literacy.
• Discussing topics like debt management and proactive financial planning.
• Practical tips for those starting their investment journeys and the importance of continual learning in personal finance.
• And so much more!

Key Moments:

00:44 Curtis May's Background and Journey

03:11 Financial Philosophy and Influences

05:47 Practical Financial Strategies

10:47 Cashflow Management and Budgeting

21:07 Debt Management and Financial Literacy

24:13 Debt Restructuring Insights

25:11 Understanding Constructive vs. Destructive Debt

25:45 Financial Literacy and Income Types

26:07 The Four Rules of Financial Institutions

27:44 The Importance of Skillset and Mindset

30:25 Entrepreneurial Challenges and Realities

32:20 Final Round: Financial Mistakes and Lessons

34:55 Investing Tips and Rules

36:58 Favorite Books and Resources

39:05 The Power of Financial Games

40:48 Where to Find More Information

45:21 Closing Remarks and Gratitude

Find Curtis May on:

Website: https://www.practicalwealth.net/

LinkedIn: https://www.linkedin.com/in/curtismay/

Average Joe Finances®

All of our social media links and more: https://averagejoefinances.com/links

About Mike: https://mikecavaggioni.com

About Tawnya: https://www.themoneylifecoach.com/

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*DISCLAIMER* https://averagejoefinances.com/disclaimer

See our full episode transcripts here: https://podcast.averagejoefinances.com/episodes

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Join us on Average Joe Finances as our guest Dr. Kimberly Harms shares her compelling life story, involving personal challenges, the loss of her child and husband, and how these experiences shaped her career and mission in life. She talks about the significance of being financially and emotionally prepared, and how to create a legacy that ensures your loved ones are taken care of after you are gone.

In this episode:

• Learn to embrace resilience by transforming personal trials into opportunities for purpose and growth.
• Discover the importance of legacy planning that balances emotional preparation with practical organization.
• Understand the value of confronting mortality to create a meaningful legacy of love and foresight.
• Grasp the healing power of reconciliation in resolving conflicts and easing the grieving process.
• And so much more!

Key Moments:

00:03:02 Meet Dr. Kimberly Harms

00:03:22 Dr. Harms' Life Story

00:05:15 Overcoming Personal Tragedies

00:06:39 Legacy and Resilience

00:14:08 Financial Planning and Downsizing

00:18:21 Importance of Legacy Planning

00:22:41 Facing Death and Procrastination

00:25:29 Overcoming Procrastination in Estate Planning

00:25:59 The Intimidation of the Word 'Estate'

00:27:06 The Importance of Planning While Healthy

00:27:51 Steps to Effective Estate Planning

00:28:48 Emotional Affairs and Reconciliation

00:32:50 Lessons from Rwanda on Forgiveness

00:34:17 Biggest Financial Mistakes and Scams

00:35:59 Downsizing and Letting Go of Stuff

00:39:32 Tips for Getting Started with Estate Planning

00:41:51 The Power of Trust and Giving

Find Dr. Kimberly Harms on:

Website: https://www.drkimberlyharms.com/

LinkedIn: https://www.linkedin.com/in/kim-harms-bb524666/

Average Joe Finances®

All of our social media links and more: https://averagejoefinances.com/links

About Mike: https://mikecavaggioni.com

About Tawnya: https://www.themoneylifecoach.com/

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*DISCLAIMER* https://averagejoefinances.com/disclaimer

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Join us on Average Joe Finances as our guest Christian Osgood, the owner of Multifamily Strategy, shares his journey from saving for financial freedom to acquiring over 200 rental units. He emphasizes the importance of setting clear goals, the value of building relationships in the real estate industry, and the significance of focusing on one niche area to build a successful business.

In this episode:

• Learn how creative financing can unlock opportunities without relying on traditional savings.
• Discover the importance of setting clear financial goals to accelerate growth.
• Understand the value of sustainable strategies like cash flow and long-term debt in real estate.
• Master the art of relationship-building to access seller-financed deals and unique opportunities.
• Realize the importance of staying focused on core goals to avoid costly distractions.
• Embrace the balance of profitability and social impact through community-focused investments.

Key Moments:

00:01:20 Christian Osgood's Journey Begins

00:02:16 Setting Goals and Overcoming Challenges

00:03:39 Meeting Cody Davis and Learning Seller Financing

00:05:36 Scaling Up and Principles of Real Estate Investment

00:08:39 Creative Financing and Building Relationships

00:15:49 Mindset Shift and Goal Setting

00:21:57 Future Goals and Coaching Insights

00:24:20 Setting Ambitious Goals

00:25:00 Passion for Low-Income Housing

00:26:53 Challenges and Successes in Real Estate

00:29:52 The Importance of Focus in Business

00:32:55 Lessons from Financial Mistakes

00:41:31 Advice for Aspiring Investors

00:43:04 Recommended Books and Resources

00:46:37 Where to Find More Information

00:48:13 Conclusion and Final Thoughts

Find Christian Osgood on:

Website: Multifamilystrategy.com

LinkedIn: https://www.linkedin.com/in/christian-osgood-10a95b71/

Facebook: https://www.facebook.com/christian.osgood

Instagram: https://www.instagram.com/christianosgood/

Youtube: https://www.youtube.com/@Multifamilystrategy

Average Joe Finances®

All of our social media links and more: https://averagejoefinances.com/links

About Mike: https://mikecavaggioni.com

About Tawnya: https://www.themoneylifecoach.com/

Show Notes add-on continued here: https://averagejoefinances.com/show-notes/

*DISCLAIMER* https://averagejoefinances.com/disclaimer

See our full episode transcripts here: https://podcast.averagejoefinances.com/episodes

Listen on: Apple Podcasts Spotify

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