Year-end isn’t reflection season—it’s leverage season. Budgets, bonuses, titles, equity, retention risk—decisions about you are getting made now. Silence doesn’t pay. In this episode, Dr. Renee Baker and I break the fear cycle and show you how to negotiate your raise, title, and equity like a pro.

Chapters
00:00 Leverage season: why Q4 decisions matter
01:05 How companies really decide comp at year-end
05:25 Speak up: fear, layoffs, and why silence doesn’t pay
08:10 Myth: “Be grateful and wait your turn”
12:05 Myth: “Raises aren’t possible this year”
15:10 Inflation & “cheaper to keep ’em” (your retention leverage)
18:40 Politics vs performance: read the breadcrumbs
23:20 Quantify outcomes, not tasks—how to show value
28:45 Job Titles = access, pay bands, and mobility
32:55 If they say no: timelines, criteria, and next moves

Links
▶️ Full episode: https://youtu.be/sN9-MechYpM

🔔 Subscribe: https://www.youtube.com/@nobswealth

👤 Tag: @stoyhall
🌐 Black Mammoth: https://www.blackmammoth.com

Guest
Dr. Renee Baker
LinkedIn: https://www.linkedin.com/in/itsreneebaker/

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

YouTube: https://www.youtube.com/@DrReneeBaker

About NoBS Wealth
We educate first-gen builders and business owners with blunt, real-world money conversations. No fluff. No sidesteps. Just truth that moves you.

You can’t win on social if you’re only showing up where it’s comfortable.

Everyone says “you need to be on every platform,” but nobody builds the system to make it work. That’s the problem.

Instagram, Facebook, LinkedIn each one speaks a different language. You can’t post the same thing everywhere and expect results.

Start where your ideal clients hang out. Then expand. Because your clients’ friends, colleagues, and referrals are on other platforms too and that’s where your growth really happens.

📺 Full video → Click Related video 🔗

Consistency beats content dumps every time.

Posting more doesn’t make you relevant. Being consistent does.

Everyone thinks volume is the key. It’s not. Authority and discipline are.

You don’t need to post 10 times a day. You need to show up with intention, stay on message, and give real value every single time.

Consistency builds trust. Trust builds momentum. Momentum builds everything else.

📺 Full video → Click Related video 🔗

Q4 has everyone acting like they’re in a sprint to save the year.

The truth? It’s just another three months. The only reason it feels heavier is because we put unrealistic pressure on ourselves to reinvent everything before January hits.

You don’t need a new year to get your shit together. You need consistency, not panic.
Stop setting fire to your peace just because the calendar’s ending. The holidays are already stressful enough.

📺 Full video → Click Related video 🔗

Let’s be real: Thanksgiving can turn into a money minefield. Old roles, hot buttons, passive-aggressive comments. In this episode, financial therapist Rachel Duncan and I show you how to stop the shame spiral, set real boundaries, and keep your peace—without pretending nothing happened.

Chapters
00:00 Why money blows up at the holidays
01:20 Family triggers: Why you “feel 14 again” at home
02:45 Money beliefs form by age eight (and what to do now)
06:30 Avoid or address? How to redirect without gaslighting
11:00 People-pleasing, “Set Boundaries, Find Peace,” and scripts that work
15:10 How to feel a boundary crossing in real time
19:40 Swap shame for guilt to make change possible
23:15 Connection kills shame: build your money “superhero team”
26:10 The daily “pleasure practice” that beats any budget
29:05 Budget = boundary (how to make it feel normal)

Guest
Rachel Duncan — Financial Therapist (and art therapist), founder of @themoneyhealingclub
• LinkedIn: https://www.linkedin.com/in/rachelduncanfinancialtherapist/

• Facebook: https://www.facebook.com/moneyhealingclub

• Instagram: https://www.instagram.com/moneyhealingclub/

Connect
@stoyhall
NoBS Wealth YouTube: https://www.youtube.com/@nobswealth

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

Your clients don’t need a know-it-all. They need someone who isn’t afraid to say, “I don’t know yet, but I’ll find out.” Fear is just lack of information. The more you learn, the less it controls you.

I learned that the hard way when I was sick in the hospital. Someone told me, “Fear is what happens when you don’t understand something yet.” They were right.

Your job isn’t to fake confidence. It’s to stay curious, dig deep, and actually understand the sh*t your clients are scared of. That’s how you earn trust ….not by acting perfect, but by showing you’re willing to do the work.

I don’t care how good an investment looks on paper. I want to know the downside. What’s the risk? How bad could it get? If you only plan for the good days, the bad ones will wreck you.

Smart investing isn’t about hope. It’s about being ready when sh*t hits the fan.

📺 Full video → Click Related video 🔗

Fear is just a lack of information. The more you know, the less room there is for fear to control you. Most people stay scared because they’re too afraid to admit they don’t know sh*t. But that’s where the growth is.

Ask the damn questions. Dig for answers. Educate yourself.

That’s what your clients pay you for… to make sense of the complicated stuff they can’t do alone.

Be the advisor who’s curious as hell, not the one hiding behind ego. Knowledge kills fear every time. 🖤

📺 Full video → Click Related video 🔗

Every headline is designed to trigger you. Don’t take the bait.

You can feel it. You can get pissed, scared, or anxious… that’s normal. But reacting instantly is how people wreck their peace, their money, and their decisions.

Pause. Pray. Process.

Or if faith isn’t your thing …pause and process.

The smartest people don’t react to chaos. They study it, breathe through it, and move with intention.

📺 Full video with @DrPrestonCherry → Click Related video 🔗

ALTS WITHOUT THE LIE: INCOME, LIQUIDITY, AND REAL RISK
Most people chase yield. Pros budget liquidity. If you want real results with alternatives, you need both. I’m sitting with Shana Orczyk Sissel@BanrionCapital to break down private credit, interval funds, leverage, and the due-diligence path that actually protects investors. No hype. No hand-holding. We get straight to what works and what blows up.

WHO THIS IS FOR
• Advisors who want an edge beyond product access
• Business owners and high earners building durable income
• Investors who need a liquidity plan, not just a yield story

WHAT YOU’LL LEARN
• Why access to alts exploded and how to avoid the tourist traps
• Income vs. liquidity: how to price the tradeoff before you buy
• Interval funds in the real world: gates, NAV, and expectations
• Private credit basics: underwriting, structure, and sources of yield
• Leverage is not one thing: spread capture vs. synthetic exposure
• A clean due-diligence checklist anyone can run
• Suitability, taxes, and how structure drives outcomes
• A simple, repeatable framework to add alts without breaking the plan

CHAPTERS
00:00 “Chasing yield vs. budgeting liquidity”
01:10 Why alts are everywhere now: access, regs, and wrappers
04:00 Private credit’s rise and the true cost of higher income
07:05 Interval funds 101: mechanics, gates, and behavior
11:10 Complexity ≠ Risk: how to separate stories from structure
16:00 Leverage explained: the good, the dumb, and the dangerous
20:45 Incentives and conflicts: who gets paid and for what
24:30 Due diligence that matters: valuation, admin, audit, data
31:00 Who alts are for (and who they’re not)
35:10 A practical checklist for integrating alts into a plan
40:30 Final takeaways: planning beats performance-chasing

THE CHECKLIST (COPY/PASTE THIS)

– Set a liquidity budget before picking products
– Map income needs and re-investment risk to structure
– Follow incentives: platform, manager, and distribution economics
– Verify valuation, admin, and audit are independent and documented
– Define position sizing and rebalancing rules up front
– Track tax impact and the pace of cash flows, not just stated yield

GUEST
Shana Orczyk Sissel, CEO & Founder, Banríon Capital Management (@BanrionCapital)
Website: https://www.banrioncapital.com/
LinkedIn: https://www.linkedin.com/in/shsissel/
IG: https://www.instagram.com/finance_queen2020/
TikTok: https://www.tiktok.com/@finance_queen2020
Banríon IG: https://www.instagram.com/banrioncapital/
Banríon YouTube: https://www.youtube.com/@BanrionCapital

FOLLOW NOBS WEALTH / STOY
@stoyhall
NoBS Wealth YouTube: https://www.youtube.com/@nobswealth

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

Cutting everything and hoarding cash isn’t strategy. It’s panic.

Stashing money under your mattress might make you feel safe, but it’s not getting you anywhere. That’s not discipline …that’s fear disguised as control.

You don’t win by reacting. You win by planning.

You don’t need to go all in or all out. You need a proactive game plan that keeps you steady when everyone else is losing their mind.

Watch the full episode with @DrPrestonCherry → Click Related video 🔗

Lifestyle creep isn’t the enemy. The wrong kind is.

I’m all for leveling up your life …nicer things, better experiences, more comfort. You should invest in yourself and your quality of life.

The problem is when it stops being intentional and starts being performative. When you’re spending to prove something instead of improve something.

That’s the kind of lifestyle creep that drains your wallet and your self-worth.

📺 Full video with @DrPrestonCherry Click Related video 🔗

Money feels heavy because it’s never just money.

We trade our time, energy, and sanity for it. It decides how we live, how long we rest, and who we get to spend our time with.

It’s not about greed. It’s about survival.
Money isn’t just paper or numbers on a screen. It’s a reflection of how much of yourself you’ve had to give up to get it.

Watch the full episode with @DrPrestonCherry → Click Related video 🔗

Going through a divorce? Start acting like the CEO of your life.

Two people signed a contract that no longer works. Now you’re dissolving it. That’s business.

Lead with emotion and you’ll bleed money. Lead with strategy and you’ll move on faster.

Your lawyer isn’t your therapist. Stop writing novels, stop over explaining, and start thinking like a boss.

📺 Full video → Click Related video 🔗

“Just don’t get married” isn’t the solution.

That mindset comes from fear, not logic. Marriage itself isn’t the problem — it’s the lack of preparation, awareness, and communication that wrecks people.

Skipping marriage doesn’t protect you from pain. It just keeps you from building something real.

And if you do get married, you shouldn’t live terrified of paying alimony for the rest of your life. The goal isn’t to avoid commitment. It’s to go into it smart, informed, and clear on what’s fair for both sides.

📺 Full video → Click Related video 🔗

Nobody really prepares for what life looks like after the divorce.

Everyone talks about the chaos of getting divorced …the heartbreak, the family tension, the “dropping the D-word” moment. But no one tells you how disorienting it is when the dust settles.

You’re in survival mode. You’re just trying to get through the storm. But when you don’t stop to think about the life you actually want on the other side, you end up making choices that box you in later.

Five years from now, do you want peace or just less chaos? Do you want your kids thriving or just surviving with you? Those decisions start right now, even when it hurts to think that far ahead.

📺 Full video → Click Related video 🔗

Why do we treat insurance like it’s optional?

Like it’s only something to think about after something bad happens?

We walk around believing we’ll always go up — that risk, death, or disability couldn’t possibly apply to us.

We don’t plan for the worst because we’re too busy pretending we’re “temporarily embarrassed millionaires.” But hope is not a plan.

Insurance isn’t about fear. It’s about protecting the version of you that still has bills to pay when life flips upside down.

📺 Full video → Click Related video 🔗

Q4 isn’t a vibe. It’s a scoreboard. Authority over volume. Here’s how to sprint to year-end without selling your soul or spamming the feeds.

@stoyhall | Subscribe: https://www.youtube.com/@nobswealth

Black Mammoth (Modern Family Office): https://www.blackmammoth.com

In this episode:
• Why the calendar pressure is a head fake and how to reset your Q4 (clarity over chaos).
• Apprentice → Expert → Authority → Celebrity: what actually moves you up the ladder.
• The system: record once, repurpose with intent, and stop using the Yeti.
• AI sharpens strategy. Humans do the work. Period.
• Attraction marketing beats the hard close (and Google says it takes ~20 touches).
• The “perfect content formula” and 15-minute daily discipline.
• Metrics that matter: grow the owned list, drive actions, ignore the dopamine.
• Brand filter: would Red Bull/Nike post this? If not, it’s a no.
• ProudMouth’s Influence Snapshot: find your gaps fast.

Chapters
00:00 Cold open & setup
01:00 Q4 pressure vs clarity
03:00 Authority → celebrity: consistency over volume
06:00 One-to-many system; platforms; kill the Yeti
07:00 AI supports strategy, doesn’t replace it
10:00 Attraction marketing over hard sell (20 touches)
19:00 Simple content system: “after-meeting” videos
22:00 Metrics that matter: owned audience & CTAs
28:00 Brand filter: Nike/Red Bull test
31:00 ProudMouth Influence Snapshot + wrap

Guest — Matt Halloran (@proudmouth )
LinkedIn: https://www.linkedin.com/in/matthalloranpm/

YouTube: https://youtu.be/C7PnGaQoLhc

Instagram: https://www.instagram.com/matthew_halloran_/?hl=en

TikTok: https://www.tiktok.com/@matthewhalloranauthor

X: https://x.com/MattHalloran

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

Money isn’t just a tool. It’s your partner. If you’re tired of panic headlines and bad takes, this is your reset. @DrPrestonCherry Preston Cherry, CFP, joins me to build financial harmony that stands up in uncertain times: align life and money, then execute with a plan you’ll actually follow. @stoyhall

Timestamp:
00:00 Why money feels heavy right now + holiday emotions
02:02 Money as a partner, not just a tool (yes, even down to two-ply)
04:10 What “financial harmony” really means: wealth secured wellbeing
08:02 Alignment first, strategies second
09:15 Lifestyle creep: purpose vs proving and the 5 Ps
12:05 Cash hoarding vs cash moat; beating the “inflation bedbugs”
16:20 Handling panic: admit, acknowledge, take action
19:05 Flat-fee advice and a fiduciary membership community
24:00 The human element vs AI; cutting through Reddit noise
25:20 Planning in a “down cycle” people actually feel
29:20 Do this now: pause, pray, process + the mirror self-audit
33:20 Wrap Up and resources

Guest: Dr. Preston Cherry, CFP
LinkedIn: https://www.linkedin.com/in/drprestoncherry/

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

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

TikTok: https://www.tiktok.com/@drprestoncherry

X: https://x.com/drprestoncherry

Bonus clip: https://youtu.be/MmXJm-BBJME

Follow NoBS Wealth
YouTube: https://www.youtube.com/@nobswealth

Host: @stoyhall
Black Mammoth: https://www.blackmammoth.com

About this episode
We define financial harmony, separate wealth from wellbeing, and lay out a practical cash moat strategy so you stop reacting to headlines. You’ll leave with a self-audit you can do today and a path to align your dollars with your real life.

You want financial peace?

Start by holding yourself accountable.
Not by buying another policy.

Not by calling a professional.

Not by opening a new credit card and calling it “backup.”
Start by doing the boring, unsexy thing:
Fully fund your emergency fund.

Not half. Not “almost there.” Not “well, I’ve got a few hundred sitting in checking.”
Because when shit hits the fan—and it will—

those dollars are the difference between calm and chaos.
This isn’t about fear. It’s about freedom.

Don’t just talk about building wealth.

Make sure your foundation doesn’t crumble first.
🎧 Watch the full clip here →https://youtu.be/aCx9zCcjhII

Everyone loves to hate on insurance… until they’re the one who needs it.

Most people think insurance companies are just suits out to screw you.
And honestly? I get it.

But the data tells a different story — and if you actually look at where the money goes, you might be surprised.

This isn’t about lining pockets or polishing CEO statues. It’s about risk. It’s about reserves. It’s about making sure someone is there when your worst-case scenario becomes real life.

Disability insurance isn’t flashy. But when life hits the fan? It’s the thing that keeps your family above water.

Don’t wait until you’re desperate to start asking questions.
📺 Full video → Click Related video 🔗

If insurance is a waste of money, then you’ve never had to use it.

And honestly? I hope you never do.

Because the only time it feels worth it… is when everything else is falling apart.

It’s not about stats. It’s not about fear. It’s about responsibility.

Maxwell said it best: even if the odds are 1 in 1,000, that one still deserves a plan.

Especially if that one is you.

You don’t wait until disaster hits to realize what you should’ve done.

Check the box. Make the call. Protect your people.

📺 Full video → Click Related video 🔗

You can’t fake generational wealth by staying quiet.

If you’re on the privileged side thinking “there’s nothing for me to fix” — you’re missing the point. Wealth isn’t just money. It’s access. Knowledge. Emotional work. Family power.

I did this work alone at first. It burned me out. I hit walls. But over the last few years I started bringing more people in. Now the next generation is stepped in, talking. Planning. Building.

If you want TRUE wealth, not just margin, you gotta shift the mindset. The community. The energy.

🎧 Full episode → Click Related video 🔗

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

Want to be a writer? Write.
Want to scale your business? Start experimenting.

The fastest way to clarity is action.
Even if it’s messy. Even if it flops.
The process teaches you more than planning ever will.

Whatever your goal is, start today. Let it be imperfect.
Let it be real.

Follow for more real talk on building wealth and serving clients with purpose.

You don’t need a brand new idea to make a big impact.

In estate planning, there’s rarely something completely new. And chasing flashy trends just to stand out? That’s a quick way to get called out.

What works is timeless. What lasts is built on clarity, trust, and experience.

Start sooner. Focus on what matters. Stick with what actually works.

Follow for more grounded insights on money, estate planning, and legacy.

Have you ever stopped yourself from asking for help because you assumed you’d be judged?

Even with people who love us and want to help, past money experiences can create hesitation.

We tell ourselves stories like, “They’ll think I’m irresponsible” or “They’ll hold it over me.”

But what if those assumptions aren’t true?

Sometimes the real barrier isn’t the money. It’s the fear tied to it.

Follow for more honest conversations about money, relationships, and rewiring your mindset.

That’s just how we’ve always done it” is one of the most dangerous things you can say about money.

Whether it’s how you were raised, how your parents viewed debt, or how your family handled lending just because it’s tradition doesn’t mean it’s truth.

Financial patterns can be updated. Cycles can be broken. Beliefs can be rewired.

You can still enjoy the syrup on your biscuits. Just do it with intention.

Follow for more fresh takes on money, mindset, and financial healing.

In most relationships, there’s a money person… and a not-money person.

So how do you bridge the gap when one partner handles it all and the other wants nothing to do with it?

It starts with willingness on both sides.
Yes, the “CFO” of the relationship can take the lead, but real financial intimacy requires participation from both partners.

Because at the end of the day, a wealthy marriage is built on shared responsibility, trust, and open conversation.

Follow for more real talk about money and relationships.

Let’s talk about financial infidelity.

It’s not about cheating in the way you might think. It’s about hiding money decisions, secret spending, or gatekeeping financial information from your partner.

And yes, it’s done intentionally.

Whether it’s a secret credit card, a hidden account, or not being honest about debt, financial infidelity can break trust just as much as any other betrayal.

Follow for more honest conversations about money, relationships, and building trust where it matters most.

Some people really are just trying to survive.
It’s something we were told as kids

But you don’t really feel it until adulthood hits hard.
Divorce. Grief. Financial stress.

Whatever you’re carrying , someone out there is carrying even more.

This isn’t about comparison, it’s about perspective

And offering grace wherever you can.

Follow for more real-talk that actually makes you think

A QDRO (Qualified Domestic Relations Order) is the legal document that makes it possible. It outlines exactly how a 401k or similar retirement plan gets divided between both parties.

It includes:
• Who gets what
• For how long
• Who the beneficiary is

And yes, it’s legally binding.

Follow for more financial clarity without the fluff.

The one who felt hopeless
The one who didn’t know where to turn
The one who thought they’d always be stuck

Financial education is missing in this world. And too many people are limited not by laziness or failure but by a lack of knowledge and support.

This work is emotional because it matters.
Money impacts everything.
And no one should be left behind because they didn’t know what they didn’t know.

Follow for content that helps you take your power back financially.

Even if you’re in the 400s, there is a way out. It’s just not going to happen overnight. And anyone promising to fix it in 24 hours is selling you a lie.

Late payments hurt. But they aren’t permanent. It just takes time, strategy, and the right knowledge to rebuild.

Especially if the account is closed, there’s more room to work with. The key is understanding how credit repair really works.

Follow for honest conversations about credit, financial recovery, and building lasting wealth the right way.

Jay breaks down why having a “just in case” strategy can ease anxiety and help you feel more in control. Whether it’s getting a second passport or outlining a move you may never make, the real power comes from knowing you have options.

Sometimes the freedom isn’t in the move. It’s in knowing you could.

Follow for more real conversations about building security, safety, and long-term freedom.

If you owe taxes, the clock is already ticking.

Penalties and interest start building the moment your payment is late and they don’t stop.

Waiting doesn’t make it go away. It makes it worse.

This is your reminder to take action now before the balance grows.

🎧 Catch the full conversation now on the No BS Podcast → Click Related video 🔗

There are a thousand reasons why someone might end up with tax debt.

Life happens. Circumstances shift. And most of the time, people are just doing their best.

You don’t need shame — you need a plan.

🎧 Catch the full conversation now on the No BS Podcast: Link in bio

If you get a notice from the IRS, don’t panic and definitely don’t ignore it.

The worst thing you can do is let fear take over and shut down communication. Stay in close contact with your tax professional and respond early.

Silence doesn’t make the problem go away. But action can give you control.

🎧 Catch the full conversation now on the No BS Podcast→ Click Related video 🔗

When it comes to the IRS, silence is not safety — it’s a setup.

A lot of taxpayers think if they’re not hearing anything, they’re in the clear. But that quiet is just the calm before the IRS moves in with liens, levies, and wage garnishments.

It’s not about fear. It’s about being proactive. Because when you wait for the knock at the door, it’s already too late.

🎧 Catch the full conversation now on the No BS Podcast → Click Related video 🔗

You build your own.
Tessa didn’t start a company just to be a boss. She did it because traditional spaces weren’t willing to push the boundaries of what was possible.

Now she leads a team of experts who are just as committed to staying on the edge of innovation and doing meaningful work that actually helps people grow.
This is what happens when vision meets courage.

🎧 Catch the full conversation on the No BS Podcast → Click Related video 🔗

What if your nervous system is the reason you keep hitting a ceiling with your income?

You can have all the strategy in the world, but if your body doesn’t feel safe holding success, you’ll self-sabotage without even realizing it.

That fear of losing it all, that sense of not being grounded, it’s not just a mindset. It’s your nervous system sounding the alarm.

This episode breaks down why regulating your internal world is the key to sustainable wealth.

🎧 Catch the full conversation now on the No BS Podcast → Click Related video 🔗

What happens when the game ends?

For athletes, that final snap isn’t just the end of a season. It can feel like the end of an identity.

You’ve lived and breathed the sport. Now what?

That in-between moment—the loss of structure, the unknown, the silent question of “who am I now”—can be overwhelming.

But it’s also a blank canvas. A chance to build something new.

To rediscover what else you’re great at. To ask questions and start fresh.

🎧 Catch the full conversation with @10Korleh now on the NOBS Podcast- link in bio.

Every sport carries risk.

The difference? Football teaches grit, teamwork, pressure, and leadership in a way few other activities can.

And if full-contact isn’t your thing, flag football is growing fast. It’s safer, competitive, and yes, even Olympic-worthy.

So if fear is the only thing holding you back, maybe it’s time to look at the bigger picture.

🎧 Catch the full conversation with @10Korleh now on the NOBS Podcast → Click Related video 🔗

Not everyone has the most talent on the field but everyone has the chance to outwork the next guy.

If you’re only in it for the jersey and the game day vibe that’s fine. But don’t expect results.

Because right now there are high school players getting paid. There are athletes grinding behind the scenes who want it more.

And if you’re not taking your effort seriously on and off the field why should anyone else?

Hard work stacks. Grit matters. How you do one thing is how you do everything.

🎧 Catch the full conversation with @10Korleh now on Youtube → Click Related video 🔗

What if the real breakthrough comes after the fall?

Chancellor drops a quote that hits deep—success and destruction can follow the same path. It’s not about the failure, it’s about what you do next. That’s where the growth happens.

You don’t need to have it all figured out. You just need to give your heart to the process and stay locked in.

🎧 Catch the full conversation with @10korleh now on the NOBS Podcast.
📺 Full video → Click Related video 🔗

Ready to break free from the invisible chains holding your success back? In this no-fluff episode, we’re diving deep with neuroscience-based wellness expert Tessa Santarpia on how trauma, burnout, and emotional patterns are literally wired into your brain—and how that’s messing with your money.

From childhood trauma to toxic relationships, from anxiety to burnout recovery, Tessa lays out how your nervous system may be sabotaging your financial decisions. And guess what? You can rewire it—starting now.

Whether you’re a woman in business, an entrepreneur on the edge, or just trying to heal and grow, this episode will shift your entire perspective on wealth, wellness, and worth.

🔥 TIMESTAMPS & TOP MOMENTS
00:00 Why your brain and body are fighting your financial growth
02:00 Tessa’s shift from traditional medicine to brain-body integration
04:55 How Visualize in 360 helps rewire anxiety, burnout & trauma
06:50 Quick science-backed tools to calm the nervous system
10:00 What “survival mode” really looks like and how to shift out
13:00 Visualization vs reality: how athletes & leaders train their mind
17:30 Why we MUST stop ignoring emotional triggers in financial decisions
20:45 “Fun Money” budgets, dopamine hits & smarter money planning
22:10 The #1 reason wealth feels unsafe for so many
24:00 Daily mindset rewiring: the truth about consistency
27:30 Measuring change: how her clients SEE results on brain scans

🔗 RESOURCES & LINKS
💻 Work with Stoy: https://blackmammoth.com/power-hour
🎙 Explore financial truth: https://nobswealth.com
🧠 Rewire with Tessa: https://visualizein360.com/

Feeling Trapped by the IRS? You’re Not Alone.

Too many entrepreneurs, especially women and small business owners, suffer in silence when it comes to financial trauma. In this episode of NoB$ Wealth, we rip the shame off the tax conversation with tax debt expert Morgan Anderson, EA—and we’re not holding back.

If you’ve ever gotten that dreaded IRS letter and spiraled into anxiety, fear, or guilt… this one’s for you.
We’re diving deep into:

Why tax debt isn’t criminal (but silence is dangerous)

How childhood trauma and toxic relationships play into your money mindset

What to do right now if you’re overwhelmed with back taxes or notices

The difference between “just filing taxes” and true financial freedom

And why burnout recovery starts with facing your financial truth

This is the kind of emotional healing we don’t talk about enough—because money and trauma are often linked. And if you’re trying to build wealth while dragging around tax shame, this episode could be your turning point.

🎯 Whether you’re a woman in business, a self-employed hustler, or a W-2 employee who just messed up your W-4—you are not broken. You just need a damn plan.

⏱️ TIMESTAMPS
00:00 The IRS Boogeyman & Your Money Trauma
02:00 Morgan’s Origin Story: From Candles to Tax Rescue
04:15 Will I Go to Jail? The Real Truth About Tax Debt
07:00 Wage Garnishments, Levies & the Fear Loop
10:30 Why Individuals Fall Into Debt (It’s Not What You Think)
13:45 How W-2 Workers Get Blindsided by Withholding
16:00 Business Owners: You’re Probably Missing THIS
19:00 Sales & Payroll Tax Mistakes That’ll Wreck You
24:00 Your Tax Pro Isn’t Telling You Enough
27:00 What Tax Resolution Actually Looks Like
31:00 Final Truth: Don’t Let Shame Keep You Stuck

🔗 RESOURCES & LINKS
✅ Get Real Help Now: https://www.goldenliontaxsolutions.com/
✅ Want 1:1 Wealth Coaching? Book a Power Hour: https://blackmammoth.com/power-hour
✅ Explore More Real Wealth Truths: https://nobswealth.com

Sometimes the only thing holding you together is the quiet presence of the people who never left.

She doesn’t remember every detail of being near death. But she remembers who sat beside her.
The long hours. The silent strength. The love that kept her grounded.

A reminder that support can speak louder than words when you’re at your lowest.

🎧 Catch the full conversation with @hollyaftergbs now on the No BS Podcast.
📺Full video → Click Related video 🔗

Ever feel like your story isn’t big enough to share? That was the case until everything changed.

After surviving a rare illness and being separated from her baby for months the questions started rolling in.
What was it like in the ICU?
How did you make it through?
What was it like coming home?

There was no way to fit it all into a five minute answer so she wrote it all down and shared the truth.
Raw real and honest.

This episode is a reminder that your experience matters and sharing it might help someone else feel less alone.

Listen to the full podcast with @hollyaftergbs now → Click Related video 🔗

There was a time when being diagnosed with something rare meant facing it completely alone. No answers, no community, just confusion.

But today, connection is just one message away. Holly shares how finding others who’ve walked a similar path helped her feel seen, understood, and supported.

This is your reminder: if you’re struggling, you’re not alone. Someone out there understands and wants to help.

🎧 Catch the full conversation with @hollyaftergbs now on the No BS Podcast → Click Related video 🔗