Let’s stop pretending everyone starts from the same starting line.

“Just make more money” is not a wealth plan … it’s a cop-out. Because while you’re being told to hustle harder, other families are quietly passing down access, relationships, and generational knowledge most people don’t even know exists.

Wealth isn’t just dollars. It’s legacy. It’s strategy. It’s proximity to power.

And if no one handed it to you, you’ll need to build it differently.

🎧 Full episode here → Click Related video 🔗

This whole “I’ll just figure it out myself” mindset is exactly why first-gen wealth feels so damn hard.

Dr. LaTanya White broke it down ….if you’re not reading, not asking the hard questions, not building a coalition inside your own family… you’re not creating wealth.

Here’s the truth:
You might be the first, but you don’t have to be the only.

Start with education. Find your people. Share the playbook. Then go execute.

Nobody’s coming to save your legacy ….so you better build it yourself.

🎧 Watch the full episode → Click Related video 🔗

Not everyone in your circle is meant to come with you.

Especially when it comes to wealth.
Sometimes the room you’re in is the reason you feel stuck.

Not your mindset. Not your ambition. Just… the wrong room.
Your community shapes your standards.

And if nobody around you is building anything … guess what?

You’re going to start shrinking to fit in.

This episode is a must if you’ve been craving something bigger but feel like no one around you gets it yet.

🎧 Full episode → Click Related video 🔗

Don’t act surprised by your tax bill.

You didn’t plan ahead. You waited. And now you’re scrambling.

This is what happens when you treat year-end taxes like a to-do list instead of a strategy.

Every time the rules shift, people panic. But it doesn’t have to be that way.

Use this quarter to get ahead or keep repeating the same mistakes.

🎧 Full video with @goldenliontaxsolutions5605 → Click Related video 🔗

The media will give you a sliver of the story and call it fact.

But if you’re only listening to the headlines, you’re missing what actually matters. The info floating around right now? Partially true. But that “big beautiful bill” people keep talking about? It’s being twisted.

This is how misinformation spreads fast and leaves business owners blindsided.

If you want to build real wealth, you’ve got to dig past the surface.

🎧 Watch the full episode with @goldenliontaxsolutions5605 for the full breakdown → Click Related video 🔗

Morgan didn’t even blink when I asked this…

“What if I just write off my haircut? Or my kid’s bike?”

Her answer?

Sure. If you’re cool with the IRS making your life hell for the next 10 years.
This isn’t about getting away with stuff.

It’s about getting ahead — legally, strategically, and with professionals who know what they’re doing.

Play it smart now or pay for it later.

🎧 Listen now with @goldenliontaxsolutions5605 Full video → Click Related video 🔗

You waited until March to call your tax person…

and now you’re shocked you owe money?

Morgan said it perfectly:
“If you’re handing over a box of receipts and hoping for the best, you’re not planning…you’re reporting.”

Tax planning isn’t something you do after the year ends.

It’s something you do right now.

This is when the smartest business owners sit down and ask:
What pivots can I make before December 31st to minimize what I owe?

That’s how you build wealth.

🎧 Listen now: Full video with @goldenliontaxsolutions5605 → Click Related video 🔗

If you’re using AI for video, just know… the internet is laughing at you.

People are spotting this stuff faster than ever. Even your grandma can clock a fake video.

Listen, we use AI in our business. But not for video content.

Why? Because it’s so obvious.

It pulls people out of the experience instead of drawing them in.

You want attention?

Be real. Be smart. Be better than a blurry Elon Musk deepfake.

🎧 Listen now: Full video → Click Related video 🔗

Headlines sold you a fairy tale. The One Big Beautiful Bill is not simple, and “no tax on tips” is not what you think. Here is the real playbook for Q4 and 2025.

Host: @stoyhall
Guest: Morgan Anderson, EA

WHAT YOU’LL LEARN
• What OBBB actually changes for owners this year and next
• Why “no tax on tips” is limited and how reporting still matters
• Which credits are fading or shifting and how to plan around them
• Why DIY software will lag after code changes and who should avoid it
• The “laugh test” for deductions so you stop guessing
• How to choose a real tax pro and verify credentials fast
• The Q4 checklist that keeps you off the penalty list

WHO THIS IS FOR
• First-gen owners who want control, not surprises
• S corp and LLC operators with payroll, benefits, or tipped staff
• W-2 earners who keep getting hit with April tax bills
• Anyone tired of clickbait tax talk

DO THIS NEXT
• Reconcile books through last month and project to year-end
• Fix withholding or estimates before the deadlines hit
• Match incentives to your business, not the headline
• Document deductions that pass the laugh test, cut the rest
• Book one meeting with your tax pro and advisor this month

CHAPTERS
00:00 Why Q4 tax planning actually matters
02:00 Stop waiting until March and playing defense
03:00 Key dates you cannot miss this fall
04:00 Expiring credits and retro changes you need to manage
07:00 The “laugh test” for deductions that won’t get you burned
12:00 “No tax on tips” explained without the fairy tale
17:00 Entity realities for owners, vehicles, and what still works
22:00 DIY software traps after code changes
26:00 Withholding vs estimates and how to fix numbers now
31:00 How to choose and verify a real tax pro

LINKS

• NoBS Wealth channel: https://www.youtube.com/@nobswealth

• Black Mammoth site: https://www.blackmammoth.com

• Morgan Anderson, EA — LinkedIn: https://www.linkedin.com/in/morgan-anderson-ea/

• Golden Lion Tax Solutions — Instagram: https://www.instagram.com/goldenliontaxsolutions

REAL TALK
This is not politics. It is execution. The rules are the rules. If you want to keep cash and sleep in April, you act in Q4.

Drop your question in the comments, then send this to the owner who still plans taxes in March.

You ever had a video hit 40K on TikTok and then absolutely tank on every other platform? We have. That’s the game now. One algorithm will throw you a bone while the others starve you out.

That’s why being on just one platform is a dumb move. You can’t build long-term momentum with short-term flukes.

Get your ass on multiple platforms. Don’t overthink it. Just show up everywhere your audience might be. This isn’t about viral spikes. It’s about staying alive online.

🎧 Listen now: Full video → Click Related video 🔗

@kristina.e_hall came in and said it straight:

If your website sucks, your emails don’t exist, and your internal systems are chaos…

then your social media is just smoke and mirrors.

Likes won’t fix a broken client journey.
Reels won’t repair a bad funnel.
Aesthetic means nothing if the foundation is trash.

You want real growth? Get your house in order.

🎧 Listen now: 📺 Full video → Click Related video 🔗

@kristina.e_hall broke it all the way down.

If you’re spinning your wheels, wondering how often to post, when to post, or where to even begin… stop.

She shared exactly what works:

✅ Start with 3 posts a week

✅ Stick to midday — 12pm is the magic hour (for most)

✅ And above all: stay consistent.

This is straight from a strategist who’s seen what actually moves the needle.

📺 Full video → Click Related video 🔗
🎧 Listen now: Spotify & Apple Music

I didn’t build this podcast to stroke egos or stack downloads.

I built it because every week, someone’s facing a big decision and getting paralyzed by the wrong voices.

You shouldn’t have to dig through 100 episodes to find something useful.

You shouldn’t need a financial dictionary just to take a next step.

So here’s how this works:
➡️ We drop new episodes weekly.
➡️ Each one tackles a topic real people are living through money, trust, partnership, family, legacy.
➡️ Pick the one that fits your next big move.
➡️ Use it. Apply it. Run with it.

And if you’ve got a question for the Collective, send it in.
We’ll bring it to the mic and make it real.

🎧 Listen now: Full video → Click Related video 🔗

I didn’t build the No BS Collective to sound smart. I built it because I was DONE watching people get half-ass advice from “experts” who’ve never been in the trenches.

We’re talking financial planners who actually know what it means to serve divorced women, first-gen families, minority founders, and people who are done having kids.

Accountants who don’t sugarcoat the tax code.

Attorneys, therapists, marketing leaders, insurance assassins.

And one badass woman you’ll never forget when she hits the mic.

You’ll see them. You’ll hear them. You’ll f*cking feel them.

And if you’re wondering why 31… that was my college football number. And I still play to win.

🎧 Listen now: Full video → Click Related video 🔗

Most podcasts just scratch the surface.

They give you that little itch but never get deep enough to actually SOLVE anything.

I’m done with that shit.

We made this shift because you deserve more.

You’re gonna hear experts disagree. You’re gonna hear raw truths.

But you’ll never hear bullshit. Not on my watch.
This isn’t just about what’s trending or what sounds smart.

You’re going to walk away with something real to act on TODAY.

No fluff. No maybes. No “think about it” later.

Let’s get to work.

🎧 Listen now: Youtube, Spotify, Apple Music. @stoyhall

They say you’re here for wealth knowledge.

I say you’re here because you’re tired of the B$.
This is the reset.

No more surface-level convos. No more vague advice. I’ve built the No BS Collective.. a crew of vetted professionals I personally trust. Financial planners. Tax pros. Therapists. Attorneys. Brand ops. All killers, no fillers.

Each episode? 30 to 45 minutes of raw truth. What the media’s saying. What we actually do. And what the hell you should be doing right now to build real wealth.

This isn’t fluff.
Welcome to the reset.

🎧 Listen now: Full video → YouTube —https://youtu.be/0mktbXbnSmc

#wealthbuilding #financialliteracy #financialfreedom #moneytips #moneymindset

Divorce is a wealth event, not just a life event. Most people don’t realize that until they’ve already lost money, time, and peace of mind. In this episode, I sit down with Certified Divorce Financial Analyst Jamie Lima to expose the myths, lay out the real math, and give you the playbook to walk away without regret. @stoyhall

Jamie and I hit the hard truths:
• Divorce rates spike during recessions, and most people are financially unprepared.
• Alimony is rarely forever—most states push rehabilitative support, not lifetime checks.
• The 50/50 split is a trap. A judge may stamp two $500K assets “equal,” but taxes make a 401(k) worth far less than home equity.
• Attorneys litigate. They don’t build wealth strategies. That’s where a CDFA makes the difference.
• Prenups and postnups aren’t just for the rich—they’re marriage insurance.
• Mediation with a plan saves money. Litigation without strategy bleeds you dry.

Jamie shares his own mistakes—writing 144 alimony checks, letting his lawyer drive the process, and paying the price. He explains where clients waste the most money, how emotional emails and texts drain accounts, and why you need to think like the CEO of your life, not a passenger.

We give you the first moves before you file:

Inventory income, expenses, assets, liabilities.

Secure access to accounts and freeze if needed.

Pull a 3-bureau credit report from annualcreditreport.com.

Protect your health—divorce will drain you if you let it.

Build your team: CDFA, attorney, therapist, and a support system that won’t disappear.

Finally, Jamie previews his Secure Split platform and free toolkit, built to help clients model alimony, child support, pensions, and taxes with clean data instead of guesswork.

This is not theory. It’s battle-tested strategy from someone who’s lived it and now fights so others don’t repeat his mistakes.

Watch the full episode, drop your questions, and share it with someone who needs the truth about divorce and money.

Timestamp
00:00 Why divorce is a wealth event
02:00 Survival mode vs planning for life after divorce
05:00 Myths: alimony forever, “never marry,” bad advice online
08:00 How alimony really works and what drives it
10:00 The 50/50 split trap and the tax drag nobody talks about
12:00 Why attorneys shouldn’t run the money
14:00 Prenups and postnups as “marriage insurance”
17:00 What a CDFA actually does in divorce strategy
21:00 Where people lose the most money in divorce
23:00 Emotional traps that sabotage smart decisions
24:00 First steps before filing: docs, accounts, credit, freezes
27:00 Build your team and protect your health
31:00 Standing up to bullies and mindset shifts
33:00 Secure Split preview: new tools for divorce planning

Insurance isn’t boring—it’s the defense line of your wealth game. Ignore it, and you’re playing without protection.

@stoyhall sits down with Maxwell Schmitz to crush the myths around insurance, income protection, and disability coverage. If you think your work plan is enough, or that you’re too young to care, this episode will snap you out of it.

Chapters:
00:00 Why insurance matters now
01:45 Why people treat insurance as an afterthought
04:20 Disability vs life insurance: the hidden risk
07:10 Myth 1: “I’m too young for that”
09:30 Why work coverage isn’t enough
14:00 Myth 2: “Insurance is a waste of money”
16:20 Reframing insurance inside a wealth plan
20:00 The biggest misunderstanding about insurance
23:10 Questions to ask your advisor
25:30 Two policies to review before year end
28:00 The one move you must make today
30:00 Closing thoughts – you’re not alone

Watch, comment, and share. The NoBS Collective is here to give you the truth.

We’re getting brutally honest about wealth, legacy, and the truth behind systemic barriers. This isn’t another fluffy financial talk—this is about breaking cycles and building real generational wealth.

I sit down with Dr. LaTanya White to talk about financial trauma, systemic oppression, and the hard realities of being a first-generation wealth builder. If you’ve ever felt like traditional wealth advice doesn’t apply to you—this conversation explains why.

Chapters:
00:00 Why Legacy Gaps Matter
02:00 Dr. White’s Research Journey
05:30 The Reality of Starting from Scratch
08:00 Healing Money Trauma & Family Tensions
10:00 Why Traditional Wealth Advice Fails Us
12:30 Media Myths: Opportunity, Investing, Mindset
16:00 Why Community Is Non-Negotiable
21:00 Generational Trauma & Forgiveness
27:00 Roadmap for First-Gen Wealth Builders
32:00 Recording Family Knowledge & Stories
34:00 Leveraging Community for Real Growth

📌 Watch more NoBS Wealth: https://www.youtube.com/@nobswealth

📌 Learn more at: https://www.blackmammoth.com

📌 Follow Stoy: @stoyhall

Q4 is the noisiest quarter of the year. Most businesses will drown in it because they’re focused on more volume instead of better strategy. In this episode, Stoy Hall sits down with Kristina Hall to expose why Q4 demands a different approach, how AI is changing the game (and not always for the better), and what business owners should actually do to stand out.

We cut through the noise, destroy the myths, and give you real strategies you can act on before year-end. If you’re tired of chasing algorithms and posting just to post, this is your playbook for Q4.

📺 Watch more No BS Wealth: https://www.youtube.com/@nobswealth

🎙️ Follow Stoy Hall: @stoyhall
🌐 Learn more: https://www.blackmammoth.com

⏱️ CHAPTERS
00:00 Why Q4 is different
01:00 AI content: noise, bots, and rage-bait
04:30 Posting daily vs. posting with intention
07:00 Which platforms actually matter in Q4
10:30 Why Q4 is too late to start planning
16:00 The biggest shifts in social media this year
20:30 What’s working now: storytelling and authenticity
24:00 What to avoid: hashtags, stock photos, AI-only content
27:00 Action steps for business owners this week
29:00 The mindset shift to finish the year strong
31:00 Exact posting cadence and timing that works

The reset is here. No fluff. No endless bios. No surface talk. The NoBS Collective is taking wealth conversations deeper than ever before.

I’m @stoyhall and this is your front row seat to real experts, real conversations, and real action you can use right now. Forget what the media feeds you. We’re cutting through the noise and giving you the truth about money, wealth, and the steps to actually move forward.

This isn’t entertainment. This is education that matters.

Timestamps
00:00 Why we’re resetting NoBS Wealth
01:20 What makes the NoBS Collective different
03:15 The new structure: Intro, Myths vs Reality, Expert POV, Action Steps
05:00 Who’s in the Collective (planners, tax pros, attorneys, therapists, more)
07:30 How to use this show for your wealth journey
08:45 What’s coming next: Christina Hall, Morgan Anderson, Preston Cherry, Dr. LaTanya White, Jamie Lima
10:00 Why this isn’t just another podcast—it’s a movement

Watch more here:
NoBS Wealth YouTube: https://www.youtube.com/@nobswealth

Let’s Get Real YouTube: https://www.youtube.com/@LetsGetFReal

Listen on Podcasts:
Spotify: https://open.spotify.com/show/5hRolFyn4QkcTXPCqyDNbp?si=9928847f3f824ee7

Apple: https://podcasts.apple.com/us/podcast/nobs-wealth/id1598154326

Stay connected:
Newsletter + resources: blackmammoth.com