Most advisors are running the same portfolio with a different logo. Shana Orczyk Sissel and I talk about what actually separates real planning from “asset allocation theater”—and the questions you need to ask if you want the truth about alternatives, crypto, and where advice is headed.
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We love the feel-good nonprofit stories — the cute animals, smiling founders, heartfelt posts. But behind every “Save the [Insert Cause]” campaign is a brutal math problem and a human being getting ground down by it. In this 12 Days of Giving story, a donkey rescue blows up the fantasy and forces us to ask better questions about impact, money, and what we call “charity.”
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Every December feels “special” until the bill hits in January and you swear next year will be different. It won’t—unless you build an actual system. Here’s how a simple “Holiday Lessons Learned” ritual can protect your money, your sanity, and your future self.
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An erroneous 1099-R helped the IRS seize a $116,000 refund from a real family. In this episode, we walk through how it happened, how we fought it, and what you need to do so it doesn’t happen to you.
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You can be doing millions in revenue and still be broke if the wrong debt is sucking your business dry. In this 12 Days of Giving episode, we unpack how a $14M business ended up with $1.5M in stacked merchant cash advances—and how the right team turned it into $45K/month in breathing room.
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Most couples aren’t on the edge of divorce. They’re just exhausted, busy, and quietly fighting the same money battle over and over. In this 12 Days of Giving breakdown, I walk through a real-life couple case with financial therapist Ashley Quamme and unpack why your income isn’t the problem—your unspoken money stories are. If you’re “fine… except when you talk about money,” this one is for you.
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Most business owners aren’t stuck because they’re bad at what they do. They’re stuck because they refuse to be seen. In this 12 Days of Giving episode with Kristina Hall, we break down how one dermatologist went from “I’m not doing video” to TV spots, Walgreens features, and viral reach—all because he finally just f***ing did it.
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You can do nothing “wrong” on your taxes and still have the IRS quietly grab six figures of your money because a company filed bad paperwork in your name. That’s exactly what happened in this real 1099-R horror story—and it’s a playbook for how to fight back and win.
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A single mom, two little girls, a new apartment, and over $10,000 in credit card debt. This isn’t a budgeting fairy tale—it’s a real story from our 12 Days of Giving series. In this post, we break down what actually turned things around for her—and how you can use the same steps if you’re standing at your own financial edge.
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If you’re the one who hosts, buys the gifts, picks up the tab, and keeps everyone feeling like family… this is for you. Your giving isn’t the problem. The problem is when your generosity is funded by anxiety, avoidance, and a retirement plan that doesn’t exist. It’s time to keep the heart and change the habits.
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Divorce doesn’t just end a relationship. It redraws your entire financial life. In one real case, a mom with a special needs child was days away from signing a settlement that would’ve quietly cost her $300K–$400K and likely her home. Here’s how a simple second opinion changed everything—and what you need to do before you sign anything.
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Google PodcastsApple PodcastsSpotifyBuzzsproutYouTube Let’s just say it out loud: You can do everything “right” as a parent and still have a teen or college-age kid who is absolutely not launching. One kid gets a job early, saves money, remembers deadlines, and acts like a small adult.The other kid… doesn’t. They avoid applying for jobs.They overdraft…
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In the final episode of his 12-day series, Stoy Hall, CFP®, shares a compelling narrative that highlights the essence of the Modern Family Office. This story, featuring a client navigating through personal loss and financial disarray, not only showcases Stoy’s empathetic and skilled approach but also illustrates the transformative impact of a Modern Family Office. Stoy’s unique blend of honesty, expertise, and a no-BS attitude brings to life a financial planning model that extends beyond traditional boundaries, offering a beacon of hope and a pathway to stability for families and business owners alike. Join Stoy on Day #12 as he unfolds the pivotal role of the Modern Family Office in redefining financial wellness.
Read MoreIn the final installment of a 12-day holiday series, Stoy Hall, CFP®, shares a heartfelt Merry Christmas alongside his youngest son, Croy, highlighting the essence of family and personal connection. This episode delves into the story of a new client, referred by an existing one, facing a complex financial situation exacerbated by tragedy. The client, a married couple with a growing family, juggled multiple income streams alongside unforeseen familial losses and financial disarray caused by unpaid bills and plummeting credit scores. Through their journey, Hall outlines the critical role of a modern family office in providing comprehensive financial planning and support. This service not only addresses immediate financial challenges but also fosters long-term planning and execution, emphasizing the importance of personal relationships in financial advisory. The narrative culminates in a reflection on the significance of a family-centric approach to financial planning, underscoring the transformative impact of professional guidance during life’s most challenging moments.
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The NoBS Wealth Podcast’s “12 Days of Giving Series” features Tommy Sikes, CFP®, the creator of TravelTirement, advising on affordable retirement living abroad. Tommy’s platform presents an innovative financial planning perspective, encouraging U.S. retirees to consider relocating to countries with lower living costs, like Italy and France. He provides practical advice on housing, healthcare, and navigating taxes, all while highlighting the emotional benefits of expat life. His insights on achieving a financially viable and fulfilling retirement are accessible across social media platforms and podcasting services. TravelTirement’s global approach offers an empowering retirement alternative to those constrained by U.S. living expenses.
Read MoreDay 11 of the “12 Days of Giving” series features Tommy Sikes discussing the benefits of expat retirement in Italy and France, addressing affordable housing and a cost-effective lifestyle that can significantly impact retirement plans. Sikes highlights the potential for middle-class Americans to retire comfortably on less savings due to lower living costs in these countries. He also mentions Italy’s tax incentive offering a flat 7% income tax for relocating to certain regions, further reducing costs. Sikes advises a financial plan to assess the feasibility of such a move, encouraging listeners to consider retiring abroad as a viable option. The talk covers practical concerns like obtaining a mortgage, health care systems, and tax implications, aiming to educate and empower people to consider expat retirement.
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As the festive season wraps us in its warm embrace, it’s a time not just for celebration but for reflection, growth, and, most importantly, giving. In the spirit of this giving season, we’re thrilled to embark on a special journey, the “12 Days of Giving” series, with none other than Shehara Wooten, CFP®, a beacon…
Read MoreWelcome to Day 10 of the “12 Days of Giving” series, presenting Shehara Wooten’s guidance in financial planning. The episode features Kelly’s story, a young professional who, with Wooten’s help, evolved from having no savings to nearing a six-figure Roth IRA. Wooten emphasizes the importance of starting financial planning early and illustrates the transformative power of a strategic, educational approach to managing money. The conversation points out the benefits of a long-term relationship with a financial advisor who can help navigate the numerous life transitions and associated financial decisions. Kelly’s journey is not just about accumulation but also understanding, stewardship, and adapting to changes such as marriage. Wooten leaves listeners with a message to believe in their financial future no matter the starting point and to seek trusted guidance.
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Embark on a transformative journey with Romy Pickron, CFP®, in our “12 Days of Giving Series,” where financial freedom is the ultimate gift. This series delves into the heart of debt management, wealth building, and the strategies that forge paths to financial well-being. Discover how empathy, honesty, and strategic planning can illuminate the road from debt to prosperity. Through personal stories, expert insights, and actionable advice, Romy guides us toward a future where financial security and independence are not just dreams, but achievable realities. Join us and take the first step towards reclaiming your financial peace of mind.
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In the heart of the holiday season, Misty Lynch, CFP®, guides us through a transformative journey in the “12 Days of Giving Series.” Beyond the numbers, Misty delves into the emotional fabric of financial planning, emphasizing that true wealth is measured not by bank balances but by happiness and life’s fulfilled moments. With a blend of empathy, honesty, and blunt insight, she challenges small business owners to rethink wealth, urging them to craft legacies that transcend monetary gains. This series isn’t just financial advice; it’s a call to embrace the joy and complexity of navigating life’s financial waters with wisdom and heart.
Read MoreDay 8 of the “12 Days of Giving” series highlights Misty Lynch, a certified financial planner who specializes in advising small business owners. Lynch discusses the challenges these entrepreneurs face during the holiday season, emphasizing the financial strain and emotional stress of trying to maintain a work-life balance while navigating financial highs and lows. The episode explores how entrepreneurs can manage their all-or-nothing tendencies and offers tips for creating memorable holidays without financial burden. Stoy Hall, also a certified financial planner, discusses the significance of long-term vision over short-term gains, the importance of building a supportive team, and the emotional facets of wealth beyond numbers. The conversation focuses on mindfulness in business and personal growth, with an emphasis on the value of happiness and legacy over monetary achievements.
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The “12 Days of Giving Series” on the NoBS Wealth Podcast is more than just a collection of episodes; it’s a beacon of hope, education, and empowerment in the vast sea of financial literacy. Our recent spotlight on Lei Deng, CFA, CFP®, and her profound impact through Savor Financial serves as a testament to the…
Read Morehttps://youtu.be/34A3Q1F-QIE Welcome to Day #7 of our 12 Days of Giving series! In this episode, we’re joined by the incredible Lei Deng, CFA, CFP®. Together, we delve into a client story that sheds light on the emotional and behavioral aspects of financial planning. Lei specializes in assisting children of immigrants, small business owners, and individuals…
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Discover the transformative power of financial planning in our special feature, “Empowering Financial Futures: The Impact of Larry Sprung’s ’12 Days of Giving Series'”. Join us as we delve into real-life stories of resilience, strategic planning, and the journey towards financial security, led by financial expert Larry Sprung, CFP®. Through empathy, honesty, and a no-nonsense approach, Larry and his team at Mitlin Financial illuminate the path to financial freedom for individuals and families alike. This series is not just about numbers; it’s about changing lives, one financial plan at a time. Get ready to be inspired, learn, and take control of your financial destiny.
Read Morehttps://youtu.be/kXFw2-Imibw Day #6 of our 12 Days of Giving Series In this episode, Larry Sprung, CFP® w/ @MitlinFinancial and Stoy Hall, CFP®, share the inspiring story of a family’s 10-year financial journey. This family faced scattered assets, uncertain retirement goals, and unexpected health challenges. Discover how comprehensive financial planning transformed their lives, helping them…
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In the heart of the holiday season, we dive into Day #5 of the “12 Days of Giving Series,” featuring Karen Coyne, CFP®. This post unveils Karen’s empathetic approach to financial planning, where understanding and transformation take center stage. Through a captivating client story, we explore the emotional and practical facets of seeking financial clarity amidst life’s unpredictability. Karen’s commitment to empowering her clients shines through, offering a beacon of hope for anyone feeling overwhelmed by their financial journey. Join us as we discover the power of empathy, honesty, and strategic planning in achieving financial peace of mind.
Read MoreIn the 5th day of the “12 Days of Giving” series, financial planner Karen Coyne shares insights on financial planning, emphasizing the emotional aspects and the importance of organization in managing finances. Clients often seek guidance after life events, desiring assurance and direction in handling their resources efficiently. Coyne’s approach includes a SWOT analysis to prioritize clients’ needs. The process is not swift; building a financial plan involves an emotional journey and takes time due to various life elements at play. The interview concludes with a holiday message encouraging reflection on financial progress, setting manageable goals for the upcoming year, and enjoying the festive season. Black Mammoth underscores the need for personalized advice, cautioning against generalization in financial decisions.
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In the spirit of the holiday season, join us on a remarkable journey with Dominique Henderson, CFP®, in the “12 Days of Giving Series.” This series shines a light on the profound impact of empathetic financial planning, showcasing real-life transformations from traditional employment to fulfilling entrepreneurship. Through the inspiring story of Mrs. X and Dominique’s insightful guidance, we explore the true essence of wealth beyond financial metrics—focusing on happiness, purpose, and making a difference. Discover how aligning your financial goals with your deepest values can lead to a life of true wealth and fulfillment.
Read MoreIn episode 4 of “12 Days with Dom,” Stoy Hall and Dominique Henderson discuss a client’s financial growth, emphasizing the human side of financial planning. Highlights include the impact of personal stories, balancing regular employment with side businesses, and how time and choice factor into wealth-building. The episode illustrates how financial advice can reduce stress and provide clarity, leading to transformative life changes, not just monetary gains. They stress the importance of understanding one’s relationship with money, arguing that true wealth lies in relationships and choices rather than just financial assets. Both experts agree on the benefits of seeking professional financial guidance to navigate these complexities and advocate for the long-term journey of financial well-being over quick riches. The sponsorship disclosure notes that Black Mammoth does not guarantee future performance based on past recognitions and that different strategies have varying levels of risk and potential for loss.
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Join us for Day #3 of the 12 Days of Giving Series with Cody Garrett, CFP®, as we delve into the often overlooked but crucial role of the non-working spouse. Cody offers unparalleled insights into the emotional and financial dynamics of households, challenging us to recognize and appreciate the diverse contributions that enrich our lives beyond the paycheck. Discover how empathy, understanding, and open communication can transform our relationships and lead to a deeper, more fulfilling sense of wealth. This is a must-read for anyone looking to enhance their appreciation of life’s true riches.
Read MoreDay 3 of the 12 Days of Giving series features financial planner Cody Garrett discussing challenges faced by non-working spouses in family finance, using Susan’s story—a retiree who struggled with her contribution to her family’s finances after leaving her job. Main points include Susan’s guilt over not earning, her attempts to save money and manage investments as a way to contribute, and ultimately the necessity of affirmation in family dynamics. Steve, Susan’s husband, later affirms her non-financial contributions, highlighting the emotional aspect of financial decisions and the importance of recognition beyond monetary value. The advisors emphasize investing in mental and physical health to achieve true wealth, reinforcing the message that net worth does not equate to self-worth.
Read MoreIn the second episode of the “12 Days of Giving” series, financial planner Stoy Hall and therapist Ashley Quamme discuss the importance of proactive assistance in handling shifts in relationships and finances. They delve into a case study of a couple dealing with the husband’s impulsive spending following his brain tumor diagnosis and subsequent personality changes. Despite being financially stable, the couple struggled to adapt to the new behavioral patterns, which disrupted their financial relationship. Over a year, with Quamme’s guidance, they redefined their roles and enhanced their financial communication, rebuilding their connection. The importance of assembling a support team, including therapists and financial advisors, is emphasized to adapt to life’s constant changes and face challenges, highlighting that proactive steps are often more manageable than reacting to crises.
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In today’s spotlight of our “12 Days of Giving” series, we feature Ashley Quamme, a pioneering Financial Therapist behind The Wealthy Marriage. Ashley’s unique blend of marriage and financial therapy offers couples not just a roadmap to financial stability but a journey towards a richer, deeper union. Through her empathetic approach, she helps couples navigate the complexities of modern marriage, transforming financial stress into opportunities for growth and connection. Her work underscores the truth that a truly wealthy marriage encompasses emotional, spiritual, and financial well-being, guiding couples to build a shared vision that thrives on love, understanding, and mutual goals.
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In the heart of the holiday spirit, Stoy Hall, CFP®, introduces the 12 Days of Giving, a series that transcends traditional financial planning, focusing on the emotional journey behind personal finance. Through stories of resilience, growth, and the power of community, Stoy and his team of experts unveil the truth that managing wealth is more about navigating emotions and mindsets than mere numbers. This initiative not only highlights Stoy’s holistic approach to wealth management but also serves as a call to action for introspection and collective support. Engage with Stoy’s wealth of knowledge and resources, and embark on a transformative journey towards financial freedom and personal growth, guided by empathy, honesty, and a no-nonsense attitude toward achieving true wealth.
Read MoreStoy Hall begins the “12 Days of Giving” series, featuring stories of clients from different walks of life, aiming to offer relatable insights and encourage self-reflection. This initiative diverges from mere financial charity; it’s about imparting lessons through real experiences. Hall introduces the concept alongside his sons, emphasizing the series’ role in illustrating how emotions and mindsets are integral to financial planning, rather than just focusing on the monetary aspect. The episodes, including interviews with professionals and client narratives, aim to inspire listeners to seek help and build a supportive team for life’s journey. The series also serves as a moment to reflect during the holiday season on one’s life and aspirations. Hall underscores the importance of not facing life’s challenges alone and encourages engagement with the series’ content and experts. The disclaimer notes that while the content is believed to be accurate, listeners should seek professional advice for their specific situations.
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