Shows
Productive Flourishing PodcastDanielle Granger Nava & Dustin Granger: Strength in Business (Episode 228)Today’s guests are Dustin Granger and Danielle Granger Nava, the brother-sister duo behind Toujours Planning. Toujours is a full service wealth management firm that caters to professionals and pre-retirees across the US. They join Charlie today to talk about what it’s like to work with a sibling, and how they have been able to foster a great working relationship. Key Takeaways:[2:40] - When it comes to working with siblings or family, there are generally two camps: 1. Yeah, I could do that, and 2. Absolutely not. Dustin and Danielle’s father was in the fina...2021-02-2551 min
Wealth by DesignMINISODE: Hurricane Hiatus - An Update on the Wealth by Design PodcastHello, loyal listeners! We wanted to let you know that we have a quick update on the podcast and a few things that are happening over at Toujours Planning right now. As you may know, we are a Lake Charles-based business and family, and our community, homes, and offices were devastated by Hurricane Laura in August. While we work to rebuild our community and also weather other storms that have come through the area, we are taking a break from the Wealth by Design podcast. We do not know how long it will take to...2020-10-1204 min
Wealth by Design116: The Global Effects of the Stock MarketWe often think “the stock market” is synonymous with Wall Street. Stressed out stockbrokers yelling and wearing blazers. New York City. Right? Not necessarily. There are other stock markets all around the world, and they all have different degrees of influence on everything else. That’s how a global economy works. And that’s what Dustin and Joseph discuss in this new episode. WHAT YOU’LL LEARN [02:07] We’re in a global economy [06:15] What we think of when we hear “stock market” [08:25] Is McDonald’s an American company? [09:46] How to envision the global economy [12:33] Easy trading + quaranti...2020-09-2900 min
Wealth by DesignMINISODE: Do You Need a Financial Advisor or a Certified Financial Planner™?When you decide to get your financial ducks in a row, you probably start to look for help with a good old Google search. But when you look up “financial advisor,” “financial planner,” “planning for retirement” or any variation of your financial needs… you might get confused. Quickly. Why? Because there are so many titles for financial professionals out there. Do you need a financial planner? A financial advisor? An investment professional? A money coach? And what are those initials after their names?! In this minisode, Dustin briefly describes the different types of financial professionals and designatio...2020-09-2205 min
Wealth by Design115: How You Spend and Invest Your Money MattersWhen you think about buying something — a plain ol’ shirt, for example — what’s your thought process? How do you decide what shirt to buy? Maybe you think, “I don’t want to spend over $20 on this shirt.” Or, “I need it fast, so I need to buy it online from a store that offers free two-day shipping.” How often are you thinking, “I need a shirt that’s sustainably and responsibly made from a locally owned clothing boutique”? This is an example of using your money to make an impact. Every purchase you make has a ripple effect. That’...2020-09-1500 min
Wealth by DesignMINISODE: Are You Falling into This Stock Market Trap?Sir John Templeton, an American-born British investor, banker, fund manager, and philanthropist, said this on investing: “Bull markets are born on pessimism, grown on skepticism, mature on optimism, and die on euphoria.” He was named “the greatest global stock picker of the century” by Money in the 1990s, so we’re inclined to listen to his advice. In this new minisode, Dustin breaks down each part of Sir Templeton’s quote. He also discusses timing the stock market, why it’s a bad idea, and what you should do instead. WHAT YOU’LL LEARN The “s...2020-09-0805 min
Wealth by Design114: Your Money & the Federal Reserve Currency SystemWe often think of “money” as a stack of bills with a bunch of dead presidents on them, right? That’s money as a concept. But when was the last time you carried cash on you? If you don’t see it or touch it, does it actually exist? Yes. And no. Maybe? Dustin and Joseph do a deep dive into the concept of money in our latest episode. They also cover how financial systems evolved from thousands of years ago into what it is now to support a global economy. Tune in to learn about the...2020-09-0100 min
Wealth by DesignMINISODE: Should You Have a Joint Account with Your Partner?We’ll keep the intrigue to a minimum. In our opinion, the answer to this question is a resounding yes. Whether you’ve just gotten married (congrats!) or you’re in a committed, long-term relationship, it may be a good idea to have a joint account with your partner. Sharing your finances with your partner builds trust. Keeping them separate can breed suspicion and worry; plus, separate accounts keep your partner out of the loop on your day-to-day spending and savings habits. Why do partners keep separate accounts? It may be a leftover habit from when yo...2020-08-2504 min
Wealth by Design113: Should There Be a Wealth Tax?The coronavirus pandemic, as well as recent protests against racial injustice, have highlighted a few underlying problems in our society that have been unknown by many and ignored by most. One of them is the income equality in America: the staggering wealth that a very small percentage of the population owns. As you’ve probably heard, about 1% of the population owns 44% of the wealth in the world. It’s staggering. That’s why the idea of a wealth tax has been kicked around lately, especially as we draw nearer to the 2020 election. Senator Elizabeth Warren and Senator Bernie...2020-08-1800 min
Wealth by DesignMINISODE: When Stock Markets Dip and Bounce BackIn March of 2020, we saw the stock market tumble 30% in one month. In the following few months, we’ve gained most of that back. What is happening?? In this minisode (seriously, it’s less than three minutes!), Dustin recaps what a stock actually is — in case you’ve forgotten amidst all the panicked COVID-19 stock market talk — and how stocks are bought and sold. He discusses how people’s emotions cause those peaks and valleys in the stock market, and how you can avoid that dangerous herd mentality when it comes to your own investing. WHAT YOU’LL...2020-08-1104 min
Wealth by Design112: Growing a Business & Wealth with Katell and Jon of ReverielaneKatell and Jon, a husband and wife design team, are founders of Reverielane, a purpose-driven brand and web design firm. Katell’s experiences living in The Ivory Coast in Africa and France have honed her keen eye for design. Paired with her entrepreneurial drive, as well as Jon’s technical skills and creative spirit, led to the growth of Reverielane. We were so excited to talk to Katell and Jon about Reverielane, their thoughts on investing and building wealth, and their long-term goals for their business and personal lives. WHAT YOU’LL LEARN [02:00] How and why Katell...2020-08-0436 min
Wealth by Design[Summer Remix] 102: Net Worth is KingWe talk about fear a lot on our podcast. Fear is natural and, TBH, necessary. But when it comes to finances, three types of fear tends to hold us back: from investing, from charging clients what we’re worth, or from taking chances when building a business. Fear can also make you focus on the wrong thing when it comes to your net worth. Paying down debt rather than building up your assets, to be specific. And that’s what we discuss in this week’s episode: where our fear of the “debt boogeyman” comes from, our three-step s...2020-08-0326 min
Wealth by Design[Summer Remix] 101: Robo-advisors: Your New Best Friend or Your Worst Enemy?The robots have taken over. Just kidding. In reality, robots haven’t taken over — but they have taken over a major chunk of the financial industry in the form of robo-advisors. A lot of people assume that we’re going to bash on robo-advisors (“The robots are taking your jobs!”) or that we will tell them a human advisor is the only way to go. But the truth is, we think robo-advisors are actually pretty useful. Of course, there’s a time and a place to use them, which is exactly what we cover in this episode of Wealth by...2020-07-2150 min
Wealth by Design100: High Yield Savings vs. Stocks: Who Wins?Let’s address the elephant in the room first: what does the phrase “stock market” mean to you? Fear! Panic! Crash! We get it. But we’re here to tell you… the stock market ain’t that bad! There are a lot of misconceptions about investing in the stock market, thanks to fear-mongering in the news, horror stories from family and friends, and a lack of education about the stock market in general. Your fears are valid, but they can also hold you back from growing your wealth. Your fears may also be why high yield...2020-07-1436 min
Wealth by Design[Summer Remix] 98: Leaving Behind the “Punch Clock” MindsetNo one uses an actual punch clock at their job anymore, right? However, the concept of a punch clock — punching in to start a shift and punching out when it ends — is ingrained in many of us, even as business owners who write our own checks and make our own schedules. But it doesn’t have to stay that way! On this episode of Wealth By Design, we talk about how you can start changing your mindset and your life right now. WHAT YOU’LL LEARN Why the punch clock is the enemy The irony of making...2020-07-0721 min
Wealth by Design111: What’s Most Important to You?How has your life changed in 2020? We’re not talking about how you’re learning how to bake bread, choosing Zoom backgrounds for your virtual meetings, or watching way too much Netflix. We’re talking about how the intangible stuff has changed. Your values. Your priorities. Your life goals. Maybe you’re realizing that you want to make more time to spend with family. You might find that you want to pursue hobbies that make you happy. Or maybe you’ve realized you need to make lifestyle changes now in order to make your dreams come to life in the...2020-06-3019 min
Wealth by Design110: Why Everyone Needs an Estate PlanAnswer us this: which person needs estate planning the most? A) Someone with two kidsB) Someone with a small business of their ownC) Someone who has property and possessions to pass onD) All of the above If you answered D, ding ding ding! You win. Say the term “estate planning” and people assume it’s only meant for people with kids, or that it’s used to pass on wealth and possessions. But it’s much more than that, and we know that everyone benefits from an estate plan. We talk about why in our late...2020-06-2321 min
Wealth by DesignMINISODE: The Problem With Saving Just for Emergencies & RetirementHow many times have you heard “Save for an emergency!” and “Save for retirement!” We’re not saying those aren’t super important things to save for… but what about the rest of your life? Things like buying a house some day, or having kids. Taking that 6-month sabbatical. Buying out your business partner. Starting another business. You don’t just have the cash sitting around for that, do you?? Probably not, which is why you need a savings goal for them, too. We know you might want to save for all of the above, or maybe for you...2020-06-1604 min
Wealth by Design109: The Problem with Baby StepsWhere do you get your financial advice? (Aside from us and the Wealth by Design podcast, of course. 😉) Your friends? Parents? Coworkers? YouTubers? “Money gurus?” Some of the most popular money gurus out there (we won’t name names) have a process called “baby steps,” designed to get you started with your financial education. But we have a little bit of a problem with those baby steps. OK a lot of problems. We break down every step in this method, talk about the pros and cons of each, and share our own insight — including what we think you sho...2020-06-1131 min
Wealth by DesignMINISODE: The Real Reason You Lose (and Gain) Money in the Stock MarketWelcome to another minisode! This week, Danielle shares some quick tips and stories about the stock market, the 2007-2009 financial crisis, and the best kind of investment strategy you can use, pandemic or no pandemic. Look, we get it. It’s terrible when someone loses everything in a recession or stock market downturn. And you’re probably thinking about this stuff more frequently right now thanks to the coronavirus. However, you’ve gotta remember the other side to those horror stories: the people who lost everything probably bailed at the bottom of the market. That means they didn’t...2020-05-2604 min
Wealth by Design108: Why It’s Important to Know Your NumbersDo you know your numbers? We’re not talking about your numbers like how much you have in your checking account, or age and weight (which we shouldn’t be asking about anyway!). By “numbers,” we mean the three numbers that can help you ride out this COVID-19 crisis… or any big unexpected life change that comes your way. We’re talking about: How much money you really need to make Your emergency fund number Your BULB threshold In our latest Wealth by Design episode, we talk about calculating those three numbers and how you can...2020-05-1920 min
Wealth by DesignMINISODE: Tactical Advice for Businesses Affected by COVID-19As of right now, things are looking pretty bad thanks to COVID-19. And as Dustin says in our latest minisode, things will probably get much worse. We’re not trying to scare you — we don’t need any more sources spreading fear, right? But we say this so you can prepare yourself for what’s going to happen. Preparing yourself is especially important if you’re a business owner. The reality is, many businesses will fail. If yours doesn’t, the landscape is still gonna look very different after the coronavirus pandemic eases up. That’s why you need...2020-05-1207 min
Wealth by Design107: The Key to Consistency in InvestingDollar-cost averaging. It’s probably the most boring financial term ever. (We’re working on coming up with a new term. Anyone have any ideas? Anyone?) Snooze-inducing as it sounds, dollar-cost averaging is a super important technique that everyone should be using to invest. Why? Read on. WHAT YOU’LL LEARN [01:55] What dollar-cost averaging means [03:30] Why timing the market doesn’t work [04:24] The key to investing: don’t think about it [05:20] Some musings on stock market fear [08:14] Bring on the volatility! [09:34] Start low and stick to it Timing the market doesn’t work Brace yourself: we get topic...2020-05-0513 min
Wealth by DesignMINISODE: COVID-19 & Your Retirement AccountsThanks to the continuing COVID-19 crisis, you’re probably hearing “the D-word” thrown around a lot. Yes, that big, scary D-word. “Depression.” News outlets and public figures are warning us that we’re heading for a depression that rivals the Great one. Other news outlets and public figures are assuring us that it’s not all bad; you won’t get another opportunity in your lifetime to invest like you will now. So, who’s right? What should you do with your retirement accounts? Who do you listen to? (Us, of course.) If you’re looking for...2020-04-2804 min
Wealth by DesignMINISODE: What You Need to Know About the Current Stimulus PackagesAnother day in quarantine, another minisode in our COVID-19 Crisis Series. This time, we’re talking about stimulus packages. You may have heard the terms “monetary policy” and “fiscal policy” thrown around a lot on the news in regard to the upcoming stimulus package, but what do those terms even mean? Sometimes they’re even used interchangeably. But there are big differences between the two, and we explain those differences (and how it affects YOU) in this minisode. For one thing, monetary policy is usually managed by the Federal Reserve. Think interest rates and the amount of mon...2020-04-2100 min
Wealth by DesignMINISODE: The Importance of Liquidity in a CrisisAs part of our COVID-19 Crisis Series, we’re covering what you need to know about market uncertainty and your money during these unprecedented times. In our newest minisode, we talk about the most important thing you need to keep in mind during this crisis: liquidity. Liquid assets are assets that you can easily sell or buy without affecting the asset’s price. The value of illiquid assets, like real estate, can fluctuate or decrease. During a crisis, you need liquid assets to protect yourself for what’s happening and what’s to come. As Danielle says in this m...2020-04-1412 min
Wealth by DesignMINISODE: Is This Market Crash Short-term or Long-term?Our minisode series on the COVID-19 pandemic continues to roll out, and in our latest episode, we tackle a question many of y’all probably have on your minds: is this a short-term or a long-term thing? We’re in a bear market, the possibility of a recession is looming on the horizon...so how long is this gonna last? We can’t tell you exactly how long things will last, of course. We aren’t wizards (yet). But we can share some helpful advice to help you get through it. In this minisode, we talk about what we c...2020-04-0706 min
Wealth by DesignMINISODE: The Stock Market, Coronavirus, & Three Things Business Owners Can Do NowAs we’re now officially shoulder-deep into quarantines from COVID-19 and continue to experience uncertainty in our daily lives, as well as the stock market—we’ll be providing periodic updates on what’s happening, how to interpret it, plus any actions you can be taking right now as a result of any developments. As of late March 2020, we’re officially in a bear market, which is sparking a lot of questions and stoking the recession fires. We know that what’s happening in the stock market right now can be incredibly confusing and you’re wondering what all this...2020-03-3110 min
Wealth by DesignMINISODE: 3 Ways To Help Prepare Your Business For A Potential 2020 RecessionAs coronavirus continues to create uncertainty in our daily lives that’s being reflected in the stock market, we’re starting to hear more and more talk about an oncoming recession. And while we’ve not yet been declared to officially be in a recession (as of the time of this recording)—we are overdue. Fortunately for entrepreneurs, our job description is to help people by solving problems. And while a recession brings problems to light, it also brings opportunities for entrepreneurs to solve those problems. We know that this can be an incredibly uncertain time, and you’re l...2020-03-2409 min
Wealth by DesignMINISODE: The #1 Question People Have About Coronavirus & the Stock MarketMarch 2020 is one for the books. The coronavirus has reached pandemic level, many cities and states are issuing quarantines and shutdowns, and the stock market… well. The stock market is a reflection of just how crazy our lives are right now. We know that this can be an incredibly scary time, and you may have questions about your investments. Danielle is answering them in this short video, which we hope helps calm some of your fears and answers some of your questions. WHAT YOU’LL LEARN The #1 question we hear from clients and listeners How...2020-03-1705 min
Wealth by Design106: How Your Obsession With Taxes Affects InvestingOur society is obsessed with not paying taxes. Just take a look at some of these famous quotes about taxes (that the IRS themselves put together!): "The power of taxing people and their property is essential to the very existence of government.'' James Madison, U.S. President “Few of us ever test our powers of deduction, except when filling out an income tax form.” Laurence J. Peter, author “I am proud to be paying taxes in the United States. The only thing is – I could be just as proud for half the money.” Arthur Godfrey, entertainer “The hardest thin...2020-03-1000 min
Wealth by DesignMINISODE: What is a Work-Optional Lifestyle?We’ve got something new for you! Every couple of weeks, we’ll be mixing up the style of our podcast: 1 week will be long-form and the following week will be a minisode. These are super short-and-sweet tips to help you get your financial house in order, get the DL on what’s going on in the economic world, and generally empower you to live life on your terms! With that said, let’s dive into this week’s episode: What is a Work-Optional Lifestyle & How Can You Get There? The most exciting part? You can choose...2020-03-0303 min
Wealth by Design105: Penny Stocks: Buy In or Beware?Have you ever heard about penny stocks? Are you wondering what they are and if you should be getting in on that action? We’re covering everything about penny stocks in this episode of Wealth by Design, so buckle up. Warning: we do not shy away from our opinions about penny stocks in this episode! WHAT YOU’LL LEARN [01:20] What is a penny stock? [03:01] How Dustin was introduced to penny stocks [06:10] The reality of Dustin’s dot com story [08:19] Common misconceptions with penny stocks [09:54] The type of investm...2020-02-2518 min
Wealth by Design104: How the Laws of Human Nature Relate to InvestingWhat do children’s fables, dog memes, human nature, and investing have to do with each other? Well, you just might have to listen to the full episode to understand. In a nutshell, though, Episode 104 is all about human nature and how it can work against us when it comes to investing. Fear of the unknown and fear of failure can hold us back. And greed can lead us down some bad paths and entice us to make poor decisions that we’ll pay for later. WHAT YOU’LL LEARN [00:50] The enemy of investing [02:10] A famous quote on investi...2020-02-1826 min
Wealth by Design103: How to Prioritize Saving for Now, the Future, and In-BetweenWhat’s the most important part of your financial strategy? Creating an emergency fund? Saving and investing? Understanding what money goals you need to set for your priorities? Trick question, it’s kind of all three. In this week’s episode, we’re revisiting an old friend who you may have heard a lot about on this show: the bucket strategy. That’s right, folks. But this time, we’re paying special attention to the middle child of the strategy, the intermediate-term bucket. We talk about why you may have been neglecting that middle bucket, as well as ho...2020-02-1128 min
Wealth by Design102: Net Worth is KingWe talk about fear a lot on our podcast. Fear is natural and, TBH, necessary. But when it comes to finances, three types of fear tends to hold us back: from investing, from charging clients what we’re worth, or from taking chances when building a business. Fear can also make you focus on the wrong thing when it comes to your net worth. Paying down debt rather than building up your assets, to be specific. And that’s what we discuss in this week’s episode: where our fear of the “debt boogeyman” comes from, our three-step...2020-02-0425 min
Wealth by Design101: Robo-advisors: Your New Best Friend or Your Worst Enemy?The robots have taken over. Just kidding. In reality, robots haven’t taken over — but they have taken over a major chunk of the financial industry in the form of robo-advisors. A lot of people assume that we’re going to bash on robo-advisors (“The robots are taking your jobs!”) or that we will tell them a human advisor is the only way to go. But the truth is, we think robo-advisors are actually pretty useful. Of course, there’s a time and a place to use them, which is exactly what we cover in this episode of Wealth by...2020-01-2824 min
Wealth by Design100: High Yield Savings vs. Stocks: Who Wins?Let’s address the elephant in the room first: what does the phrase “stock market” mean to you? Fear! Panic! Crash! We get it. But we’re here to tell you… the stock market ain’t that bad! There are a lot of misconceptions about investing in the stock market, thanks to fear-mongering in the news, horror stories from family and friends, and a lack of education about the stock market in general. Your fears are valid, but they can also hold you back from growing your wealth. Your fears may also be why high yield...2020-01-2136 min
Wealth by Design99: Adjusting Your Focus with Taylor JacobsonWhen you work a traditional 9-to-5, working from home (for yourself) can feel like a real treat. You sit in a comfortable chair of your choosing, you can blast music as loud as you want, and pants are optional. But anyone who works remotely full-time or runs their biz from their home office knows: it’s not all sunshine and rainbows. Much of the time, you’re fighting distractions that are pulling you away from your work. Thankfully, Focusmate can help you… well, focus. We talked about productivity and human habit with Focusmate’s creator, Taylor Jacobson, on this...2020-01-1433 min
Wealth by Design98: Leaving Behind the “Punch Clock” MindsetNo one uses an actual punch clock at their job anymore, right? However, the concept of a punch clock — punching in to start a shift and punching out when it ends — is ingrained in many of us, even as business owners who write our own checks and make our own schedules. But it doesn’t have to stay that way! On this episode of Wealth By Design, we talk about how you can start changing your mindset and your life right now. WHAT YOU’LL LEARN [01:29] Why the punch clock is the enemy [01:56] The irony of making...2020-01-0722 min
Wealth by Design97: What You Need to Know So You Can Prepare for 2020With 2020 just around the corner, now is (hopefully) the time when you’re laying the groundwork for what you’re doing in the New Year. From mapping out your big business goals to figuring out where you want to travel in 2020, it’s an exciting time where you get to think about all the possibilities. Of course, we believe that the best way to plan for the future is by assessing the whole picture — even the not-so-fun stuff. That is why we’re sharing a few things you should be aware of in 2020 in this episode. Our hope is tha...2019-12-1027 min
Wealth by Design96: Charitable Giving & Making an Impact All Year-RoundThe Giving Season is upon us. Between Giving Tuesday, the Salvation Army Santas standing outside your favorite shops, and the influx of donation requests you’re getting in the mail, you’ve probably got giving on the brain. On this episode of Worth It, we’ll be talking about donations — including how you can make more impact with something called a “charitable giving policy.” WHAT YOU’LL LEARN [00:52] Why many people don’t think about planning their charitable giving [01:42] The role of the board of a nonprofit (hint: it’s to raise money) [02:20] How to streamline...2019-12-0322 min
Wealth by Design95: Hustle, Prioritize, and Charge Your Worth w/ Alisha RobertsonFor biz owners and entrepreneurs, you know it’s about more than just building a business for the money. You want to live the life you want, and use the skills and superpowers that are unique to you. And you want to make a difference, right? Well, today’s guest understands that, and works with female entrepreneurs to make sure they’re living over existing. Alisha Robertson is the creator of “Living Over Existing,” a podcast, a membership community, and a book all about reshaping what entrepreneurship looks like. Because she specializes in working with female entrepreneurs, note that...2019-11-2633 min
Wealth by Design94: Do You Really Need Insurance?We know that the title of this episode might not strike up the butterflies in your stomach or get you excited about life. But really, we’re talking about insurance because it. is. critical. We think that insurance is the most overlooked, undervalued, and denied aspect of your financial health. And yeah, it’s crazy boring. But you know what? It could save your 🍑 WHAT YOU’LL LEARN [00:51] Why insurance is critical [01:11] The situations that insurance make “manageable” [02:39] The downsides of insurance salespeople — giving you the wrong kinds of insurance [03:16] Why insurance isn’t a...2019-11-1919 min
Wealth by Design93: Is Your Business Recession-Proof?There are so many business owners and entrepreneurs who are #killingit out there today. But the majority of them started business after the 2008 financial crisis. In fact, some of them started their business after college, when normal jobs just weren’t available and they had to adapt. As a result, they have no idea what it’s like to own a business during a recession. They may have started at the onset of the recovery, but they’re not truly prepared for the effects of a recession. That’s why today’s episode is dedicated to asking the questi...2019-11-1227 min
Wealth by Design92: Can You Have Security with Variable Income?If you don’t work a “traditional” job, one with an office and a salary, you’ve likely dealt with the challenges of variable income. Sometimes, entrepreneurs can barely pay themselves as they try to scale a new venture, while small biz owners are at the whim of seasons, customers, or contracts. Basically, you might not know what’s going into your bank account during a given month. And while that’s part of the thrill of the hustle, it can also be the downside of self-employment. We all want some stability in our lives, even if we want the...2019-11-0520 min
Wealth by Design91: What’s a CPA and When Should You Hire One? with Amy Northard, CPAAmy Northard, CPA, has a passion for helping small business owners manage their finances and accounting so they can focus on growing their business. She also loves teaching accounting basics to online entrepreneurs who are just starting out. We were lucky enough to have her on this episode of Worth It, where we talk all about her CPA firm, what a CPA does, and when a creative biz owner (like yourself) might need to bring a CPA onboard. WHAT YOU’LL LEARN [01:48] Amy’s journey as a CPA [04:01] How Amy formed a niche making accounting easy...2019-10-2934 min
Marketing – Top Advisor MarketingEpisode 203 – Going All-In With Online Millennial Entrepreneurs — With Danielle Granger Nava and Dustin GrangerWould you ever be so bold as to switch your niche? In this episode, Matt speaks with a financial planning brother-sister duo, Danielle Granger Nava and Dustin Granger, about their pivotal decision to start targeting online millennial entrepreneurs. Having made a clean break from the traditional advisor path, Danielle and Dustin share their perspective on … Continue reading Episode 203 – Going All-In With Online Millennial Entrepreneurs — With Danielle Granger Nava and Dustin Granger →2019-10-2200 min
Wealth by Design90: Which is Most Important in Your Biz: Revenue or Profit?How often do you hear an entrepreneur or business owner say “I made 7 figures last year”, and you assumed that meant they took home 7 figures? We’re here to break it to you real nice: 7 figures in revenue is not the same thing as 7 figures in profit. You want to aim for the stars when it comes to both your revenue and your profit, but it’s also important to know the difference so you can properly plan and leverage your business’s money for long-term growth and stability. Interested in how to do that? Listen in on Episode...2019-10-2216 min
Wealth by Design89: Why Your Life Vision Shouldn’t Be Tied to Your Business VisionWhen you’re an entrepreneur, it’s hard to separate work from life. When you’ve built a business (or multiple businesses) from the ground up, it can be even harder. After all, you have big dreams. Maybe you want to scale that biz, hit 7 figures (or 10 figures, you do you!), and work remotely while building your empire. Whatever your vision for your business looks like, odds are that vision also bleeds into your life. It becomes “When I hit 7 figures, I’ll buy myself that Tesla,” or “I want to live in New York so I can build more contacts...2019-10-1516 min
Wealth by Design88: Are You a Spender or Saver in Life & Biz?As entrepreneurs and business owners, money is a huge part of our everyday lives — from the few bucks we spend on that morning latte to our home expenses and how we use it to invest in new hires for our business. We all have a different experience with money, and most of us have different “money styles” than our loved ones or business partners. Why is that? Well, we think it’s because most people boil down to one “type”: a Spender or a Saver. Now, we know this is a generalization and that we all have a little Spe...2019-10-0833 min
Wealth by Design87: Income is Not WealthDo you feel like a total baller because you make a bunch of money each month? Are you living high on the hog because your business is making 6 or even 7 figures? That’s great! Hats off to you. But… we’re here to burst your bubble a little. While you may be making a really great monthly or yearly income, and you are totally killin’ it at what you do, income is not the same as wealth. Income is literally what is coming in each month from your work or revenue streams. But wealth is the “abundance of valuable...2019-10-0115 min
Wealth by Design86: Start Finishing - How to Go From Idea to Done with Charlie GilkeyIf you’ve been in the entrepreneurial space for more than a hot minute, you probably know Charlie Gilkey. He started out with a blog, but now he is the creator of Productive Flourishing, a podcast and a site that helps people do the work that matters so they can become their best selves. Believe it or not, we nabbed Charlie as a guest on Worth It, and we’re really excited to share this interview with you. So, let’s get to it. WHAT YOU’LL LEARN 00:40 Who Charlie Gilkey is — and why we’re so excited to ch...2019-09-2453 minWealth by Design85: Adulting 101 Series: SavingDo you think about saving money and instantly feel guilty and/or defensive about your lack of savings right now? You are so not alone. And while we’re here to tell you a bit about how much you should be saving, we spend some time in this episode of Worth It talking about why you should be saving. We hope it gets you fired up and ready to save, so let’s dive in. WHAT YOU’LL LEARN [02:20 How Dustin managed to build wealth through savings… even during the 2008 financial crisis [07:45 What Warren Buf...2019-09-1633 min
Wealth by Design84: Adulting 101: DebtWe hear it all the time: “I feel like I’m not actually an adult because I have debt. And debt is bad!” Do you resonate with that? Well… we’re here to tell you a few things about debt that just might blow your freakin’ mind. Check out the fourth installment of our #Adulting 101 series about *drum roll please* debt repayment. How much should you be paying to debt? You’ll probably be surprised. WHAT YOU’LL LEARN 02:19 What people sacrifice for the sake of paying down debt 03:20Generational fear and hatred of debt 03:46 Dust...2019-09-1020 min
Wealth by Design83: Adulting 101 Series: LifeYou’ve heard us talk about housing. You’ve heard us talk about transportation. Now, we’re talking about life. Not like the heavy “What is life?” stuff… just the money side of it. Do you know how much you spend on “life,” i.e. dining out, clothing, Netflix and chill sessions, vacations, etc.? Do you ever wonder if you should really be spending that much money on yourself? You’re not alone. That’s why, on this episode of Worth It, we’re talking about the “life” category of your spending: how much you should be spending… and how much you should be savin...2019-09-0319 min
Wealth by Design82: Adulting 101 Series: TransportationIs it time to buy a new car? Are you wondering what you should be spending (or not spending) on your new wheels? We know that it’s tempting to buy the newest model hot off the lot, but this week’s episode offers some guidance on what to consider when it’s time to buy a car, how much you should spend, and what to look out for in your payments. WHAT YOU’LL LEARN 5:20 The role luxury and status have in our purchase decisions 7:45 Why it’s important to consider why you’re buyin...2019-08-2734 min
Wealth by Design81: Adulting 101 Series - Housing#Adulting: how many times have you seen that hashtag, or even said it aloud? We’re sure it makes older generations roll their eyes, but that’s alright. We know that adulting can feel hard, but we don’t think it has to be that way. That’s why we’re committing this little mini-series to all of you out there trying to “adult.” And as part of our #Adulting 101 Series, we’re diving straight into the deep-end, talking about housing. BUYING A HOUSE — EEEK! Just thinking about buying a home can make a Millennial break out in sweats...2019-08-2033 min
Wealth by Design80: Sustainable Fashion & Social Good With Stephanie HepburnWhen it comes to entrepreneurship, we hear a lot about how y’all want to do good and give back. And we’ve talked about that before, from donating cash to creating private foundations to creating socially minded business. Today, we’re talking to an entrepreneur who has built a business designed around the concept of social good and we think you’re gonna love it. Listeners, meet Stephanie Hepburn of Good Cloth. This episode is really eye-opening, both from an entrepreneurial standpoint and from a consumer standpoint. We already know you’re gonna learn a lot, so ma...2019-08-1342 min
Wealth by Design79: Commingling Finances With a Small Business OwnerAre you about to marry a small business owner or entrepreneur? Are you in a committed relationship with one? Whether you or your partner have a side-hustle-turned-income-stream or are building a budding small business, there are bound to be questions about finances. After all, how can you make it work with possibly variable income, and what will you do if 💩 goes sideways? But really, commingling finances with a business owner is about more than that. It’s about what you plan to do as a couple as the business grows, and what happens in the event of death, disability, divor...2019-08-0630 min
Wealth by Design[Summer Remix] 55: From Building A Can’t-Live-Without SaaS Business From The Ground Up to Planning Global Impact with Jesse Patel**Summer Replay: Here is one of our favorite episodes we are re-releasing with a new introduction. Stay tuned for all new episodes coming later this summer** On this episode of Worth It, Dustin R. Granger, CFPⓇ and I interview Jesse Patel, the cofounder of Workflowy, the fastest, most flexible list maker on the planet and one of our absolute favorite tools for business and at home. We discuss how this simple, but powerful tool has changed our lives and his. We dig into his journey from working a typical 9-5 job, to joining an incubator, to creating the...2019-08-0146 min
Wealth by Design[Summer Remix] 57: Why Your Money Needs Direction**Summer Replay: Here is one of our favorite episodes we are re-releasing with a new introduction. Stay tuned for all new episodes coming later this summer** Managing your money is a little bit like going camping or hiking. You spend a lot of time preparing and packing for the journey and then you’re off, ready to see where the road takes you. But what happens when you forget your map? And what happens when you don’t plan out where you’re going? Starting off without a direction can feel exciting, but it can also p...2019-07-2523 min
Wealth by Design66: Your Business Runs on Liquidity (So Should You)**Summer Replay: Here is one of our favorite episodes we are re-releasing with a new introduction. Stay tuned for all new episodes coming later this summer** The most liquid asset is cash, but what about other assets? And what does liquidity mean? On the Worth It podcast, we dive deep on what liquidity is (and is not) and what it can do for your finances. --- Which is easier to drink when you’re thirsty: a block of ice or cold water straight from the tap? The tap water, right? It makes sense in...2019-07-1830 min
Wealth by Design[Summer Remix] 56: How to Let Go (So You Can Level Up)**Summer Replay: Here is one of our favorite episodes we are re-releasing with a new introduction. Stay tuned for all new episodes coming later this summer** Are you guilty of holding on to things just a little too long? We’re not just talking about those jeans from high school — we’re talking about the big stuff: Jobs, negative relationships, and even other people’s expectations of you. Maybe even your expectations of yourself. We all want to level up in some way, whether that means taking on a side hustle so you can build your empi...2019-07-1133 min
Wealth by Design78: How to Be the Boss of Your MoneyIf you’re a business owner or entrepreneur, you may already feel like the boss of your money. After all, you’re pretty much solely responsible for what goes in and what comes out, right? But as many entrepreneurs and biz owners know, that can also lead to a lot of stress. In many cases, taxes aren’t withheld, revenue can vary from month-to-month, and it always seems like there’s a new bill to pay. So how do you feel like you’re REALLY the boss of your money, rather than holding on to money for a while before it...2019-06-2719 min
Wealth by Design77: Mental Fitness & Your Daily Routine With Marc ChampagneOn today’s episode of Worth It, we’re talking to Marc Champagne, the co-founder of Kyō App, (pronounced KEY-OH). His app, which blends journaling, mindfulness, and what Marc calls “mental fitness,” offers a place for smartphone users to write down their thoughts, access journaling prompts and mindfulness resources, and build a routine of self-awareness and self-care. The discussion ranges from Marc’s background in Big Pharma, the importance of a daily routine, to handling money stress. We had a lot of fun talking to Marc and really appreciate his insights. Check this episode out if you want to tak...2019-06-2050 min
Wealth by Design76: Build Wealth and Make an Impact With ESG InvestingIf there’s one thing we know about today’s business owners and entrepreneurs, it’s that they’re breaking the mold. They’re not doing business like previous generations, and they’re using their money, products, and services to make the world a better place. That translates into more than just how they make their money; it bleeds into how they invest, as well. More and more Millennials, Gen Z’ers, and even Baby Boomers are choosing to invest in socially responsible businesses and to be “selective” with the mutual funds and stocks they choose to put their money into. 2019-06-1320 min
Wealth by Design75: What Legacy Do You Want to Leave?When you think about legacy, do you think about inheritances or a last will and testament? Of course, those are all parts of planning a legacy, but we know that what you leave behind goes far beyond money and paperwork. Instead, we want to talk about the real legacy — the stuff that made you so special to the people you’ll leave behind. For some, this may seem like a morbid topic or one that’s slightly depressing. But we think this episode of Worth It is important for two reasons: You should be planning your legacy...2019-06-0624 min
Wealth by Design74: 3 Ways Entrepreneurs Can Give Back & Make a DifferenceAs an entrepreneur or small business owner in today’s world, making money is important to you. Having autonomy over your work and making your clients and customers happy is also important to you. But so is giving back. Maybe you donate a percent of your profits to a cause you love, or you volunteer at a charity close to your house. As your business grows, though, you may be wondering how you can give back even more. This has been a frequent topic of discussion among Worth It listeners, so we finally dove into it on this episode....2019-05-3027 min
Wealth by Design73: Pitfalls Series: When You Don’t Invest in YourselfWe’ve all heard the importance of investing in ourselves. Whether it’s investing in an executive coach, in the right clothes, or in your personal development, Dustin and Danielle have covered the gamut in past episodes. But on today’s episode of Worth It, they’re taking a different angle. In the Pitfall Series, they’ve been talking about the pitfalls of investing in the wrong arena and in the wrong advisory team, but today they’re talking about the pitfalls of not investing in yourself (and your future). Instead of talking about coaches or employees or “traditio...2019-05-2318 min
Wealth by Design72: Pitfalls Series: Investing in the Wrong TeamAs part of the Pitfalls Series, Dustin and Danielle are talking about investing in the wrong advisory team. When you start your business, you may hire an assistant, a graphic designer, or some other professional who helps you execute and deliver your daily work. Of course, these individuals are highly important to the success of your business. But that’s not what Dustin and Danielle are talking about today. Instead, they’re talking about the professional you choose to work with — and take advice from. WHAT YOU’LL LEARN 06:45 How your perception of money changes as you start ea...2019-05-1623 min
Wealth by Design71: Pitfalls Series: When You Invest in the Wrong ArenaIn this new 3-part series, we’re talking all about pitfalls in investing. Whether you’re investing in actual investments, in a team for your business, or not investing in yourself, there are a number of “uh-oh’s” we all encounter at some point. But Dustin and Danielle are hoping to raise some awareness of these pitfalls so that Worth It listeners don’t have to encounter them. In this first part of the series, Dustin and Danielle are talking about the pitfalls of investing in the wrong arena. WHAT YOU’LL LEARN 02:16 Why you’re losing money...2019-05-0928 min
Wealth by Design70: Protecting Your Biz & Brand With Joey VitaleIn this episode of Worth It, Dustin and Danielle have a special guest: Joey Vitale. Joey is an attorney, speaker, and educator for entrepreneurs. He focuses on the legal aspects of creative businesses so the owners can focus on what’s important — their work. On top of working with clients, Joey has also created an expert brand for himself with Indie Law, where he provides a ton of resources for creative entrepreneurs who are looking to either “DIY” their brand protections or work with his expert team. During their chat, Dustin, Danielle, and Joey dig into what trademar...2019-05-021h 00
Wealth by Design69: How Much Cash Do You Need On Hand?There are plenty of “rules” out there about how much money you need to save up for a rainy day or an emergency, but how do you know what you need to save? This week on Worth It, Dustin and Danielle are digging into a simple formula that can help you answer that question, both for personal savings goals and for your business. WHAT YOU’LL LEARN 07:05 Why most Americans are not prepared for an emergency 07:33 Why cash is a parachute, not an airplane 09:49 How much cash should you have on hand? 10:3...2019-04-2526 min
Wealth by Design68: What You Need to Know for 2019 TaxesTax Season Ain't Over: What You Need to Know for 2019 Taxes Now that April 15 has passed, you’re probably over the idea of taxes. But taxes aren’t just something you should think about when it comes time to file, especially if you’re a business owner or entrepreneur. You should have some passing knowledge of taxes, new changes that affect your business, and how to leverage that knowledge so you don’t pay more than you have to. This week on Worth It, Dustin and Danielle are giving you a brief rundown of three tax topics they thi...2019-04-1820 min
Wealth by Design67: Investing vs. Spending: Mindset and DifferencesWhen it comes to spending money, it’s easy to see everything as an expense. Taxes cut out of your take-home pay, your car’s tires eat into savings, and groceries just keep getting more expensive. But what you spend your money on can be more than just outgoing expenses; it can actually be seen as investments in yourself, your future, your business, and those around you. On the Worth It podcast, Dustin and Danielle are discussing the investing vs. spending mindset and how it can be beneficial to view some spending through the lens of investments. W...2019-04-1122 min
Wealth by Design66: Your Business Runs on Liquidity (So Should You)The most liquid asset is cash, but what about other assets? And what does liquidity mean? On the Worth It podcast, we dive deep on what liquidity is (and is not) and what it can do for your finances. --- Which is easier to drink when you’re thirsty: a block of ice or cold water straight from the tap? The tap water, right? It makes sense in this context, but many people — especially business owners — have a hard time understanding how this applies to their assets. Liquid assets are the kind of assets...2019-04-0428 min
Wealth by Design65: Self Employment + Retirement: Life in RetirementWhat’s the first thing you think of when you hear the word “retirement”? For some, it conjures up images of golf courses, RVs, and days spent measuring blades of grass. And for many people, especially those from younger generations, those images are enough to keep them working forever. But Dustin and Danielle don’t think retirement has to be like that. In fact, on this week’s episode of Worth It, they’re asking listeners to reframe their definition of retirement altogether. Then, once you have a better idea of what retirement really looks like to you, you can...2019-03-2833 min
Wealth by Design64: Entrepreneurship & Employment Are Not Enemies with Dannie FountainThis week on Worth It, we have a very special guest. Dannie Fountain is a business strategist and marketing expert who helps creative entrepreneurs grow their businesses. She’s also written four books, travels the world for speaking engagements… and works at Google. And she’s also only 25. For real. Dustin and Danielle were so honored and excited to chat with Dannie about her journey through entrepreneurship and “traditional” employment in this episode. In this episode, they talk about how she does it all and how her speaking and travel engagements helped her create a resume that caught the...2019-03-2156 min
Wealth by Design63: Self Employment + Retirement: Work-Optional LifestylesNot everyone dreams of retirement and retirement means something to different to today’s generation — especially if you’re an entrepreneur or business owner. But even if you don’t plan on calling it quits permanently one day so you can hang out with your grandkids or curse at your neighbors for walking on your lawn, you might want to have some money in the bank. Why? So you can do whatever the hell you want, that’s why. This week on Worth It, Dustin and Danielle are digging into what it means to live a work-opt...2019-03-1416 min
Wealth by Design62: Self Employment + Retirement: Saving OptionsThis week on Worth It, Dustin and Danielle are kicking off a new series called “Self Employment + Retirement.” Over the next three weeks, they’ll be talking about everything entrepreneurs and self-employed people need to know about retirement, from savings to a work-optional lifestyle to what to expect when you retire. First, though, they’re talking about the different retirement savings options you have when you work for yourself — and they break each one down to determine which is best for you. WHAT YOU’LL LEARN 4:05 Why having a financial advisor can help with you choose betwe...2019-03-0723 min
Wealth by Design61: Sorry, Multiple Businesses Don't Count as DiversificationIf you’re a die-hard entrepreneur, you’re made to build, launch, and profit from the businesses you’ve thought up. And thanks to those businesses, you’re able to afford the life you want to live and do what you’re good at each day. But as you probably know, maintaining and running those businesses is hard work. When you stop working or clients dry up, those businesses can be a serious risk to your financial wellbeing. In this week’s episode of Worth It, Dustin and Danielle are shedding a little light on this topic an...2019-02-2822 min
Wealth by Design60: All About Debt: The Good, The Bad & The UglyDo you hear the word “debt” and instantly think of it as shameful, bad, or even scary? If so, you’re not alone. According to the latest statistics, the average American household has $135,768 in debt — including mortgages, student loans, car loans, and credit card debt. On top of that, 7 out of 10 people say that debt is necessary in their lives, but they wish they didn’t have it. Most of us have debt, so why is it something that we want to get rid of (or feel ashamed to talk about)? This week on the podcast, Dustin and Daniel...2019-02-2126 min
Wealth by Design59: How to Stay in Love With Your BusinessWhen you first started out in your business, you were probably so excited to get to work each morning, to see the ball start rolling and to watch the progress you were making. In that “honeymoon phase” of business-building, it’s so easy to love your business and feel fulfilled in your work. But what happens when that initial excitement wears off? And what happens if you find yourself doing things you don’t necessarily love, but that keep the business moving (at least a little)? It’s hard to love everything about our businesses, but it is possibl...2019-02-1427 min
Wealth by Design58: How To Move Forward Despite Your FearIn this week’s episode of Worth It, we’re talking all about fears. Fear is a normal (and necessary) human emotion, but it can often stop us from doing what we want in life. That also applies to investing and growing our wealth. Fear surrounding money is so common that it’s a major part of our work as CERTIFIED FINANCIAL PLANNER™ professionals. That’s why we’re breaking down some of the most common fears when it comes to money… and how you can move forward despite your fear. Here’s what you’ll learn 11:43 The...2019-02-0730 min
Wealth by Design57: Why Your Money Needs DirectionManaging your money is a little bit like going camping or hiking. You spend a lot of time preparing and packing for the journey and then you’re off, ready to see where the road takes you. But what happens when you forget your map? And what happens when you don’t plan out where you’re going? Starting off without a direction can feel exciting, but it can also prevent you from seeing (and doing) everything you want. The same goes for your money. If you don’t have a direction for your money, you may feel lik...2019-01-3122 min
Wealth by Design56: How to Let Go (So You Can Level Up)Are you guilty of holding on to things just a little too long? We’re not just talking about those jeans from high school — we’re talking about the big stuff: Jobs, negative relationships, and even other people’s expectations of you. Maybe even your expectations of yourself. We all want to level up in some way, whether that means taking on a side hustle so you can build your empire, hiring on an assistant, or finally getting coaching for that big scary dream you’ve got. But we’ve all got baggage that just keeps weighing us down....2019-01-2431 min
Wealth by Design55: From Building A Can’t-Live-Without SaaS Business From The Ground Up to Planning Global Impact with Jesse PatelOn this episode of Worth It, Dustin R. Granger, CFPⓇ and I interview Jesse Patel, the cofounder of Workflowy, the fastest, most flexible list maker on the planet and one of our absolute favorite tools for business and at home. We discuss how this simple, but powerful tool has changed our lives and his. We dig into his journey from working a typical 9-5 job, to joining an incubator, to creating the ultimate list-making program, where you can shift focus from the big picture to minute details in a fluid fashion. So take a pause from your to-do list and...2019-01-1745 minWealth by Design54: When to Consider Hiring an Executive Coach, with Kevin WilkinsHave you ever thought of hiring an executive coach? Are you curious to find out more about what an executive coach does and how they can help you? Kevin Wilkins is the founder of Trepwise, a New Orleans based growth consulting firm that offers executive coaching to businesses, nonprofits, and individuals across all sectors of life. Kevin teaches us how to choose a coach, what questions to ask, and when is the best time to think about hiring an executive coach. Learn all about how you can improve yourself with coaching on this episode of Worth It. Here’s...2018-11-2951 minWealth by Design53: How to Start a Life Tax Fund Are you one of the ⅔ of Americans that can’t cover the costs of a $1000 emergency? That is such a scary number, but it’s not surprising given that half of Americans live paycheck to paycheck. To add insult to injury most of us are living above our means. There is a constant pressure in our society to live beyond our means. From advertising to social media to simply talking with friends and neighbors we feel a constant pressure to keep up with everyone else. But if you don’t start saving now you’ll miss out on the oppo...2018-11-2221 minWealth by Design52: How to Live Life in Slow Motion Have you ever wanted to live your life in slow motion? We all experience those times where we wish we could slow down, but they seem to just zip by. Dustin has been reading about how to make the most of life and he has several tips to share on how to slow down and make the most of the time we have. Worth It is the podcast that helps you dream, plan, and live your ideal life and on this episode, we’re focusing on helping you live your ideal life. If you have always wanted to learn how...2018-11-1428 minWealth by Design51: How to Know Your Worth and Charge It Many purpose-driven professionals and creative entrepreneurs have a hard time knowing their worth and even harder time charging it. There are some that even feel weird simply charging others for their work. So many of us struggle with imposter syndrome that we don’t really value ourselves and what we do. Even though we love what you do we still need to be able to make a living. On this episode of Worth It, Dustin and I are here to inform you why it is so important to know your worth and why you should never be afr...2018-11-0824 minWealth by Design048: How to Maximize Your HSA (Health Savings Account) Have you ever wondered what a health savings account is? Or maybe you know what it is, but you’re not sure if you need one. Perhaps you already have an HSA, but you’re not sure what’s so great about it. On episode 48 we discuss everything you need to know about HSA’s. A listener recently asked if they should contribute to a health savings account, and we are glad she did because this gives us the opportunity to share everything we know about HSA’s. Listen to this episode of Worth It to hear how to maxi...2018-10-1824 minWealth by Design046: An Easy Guide To Understanding Your Federal Income Tax RateAs anyone who has ever filed income taxes can tell you, you have to know which tax bracket you’re in before you can make even an educated guess of what you might owe Uncle Sam. It’s pretty easy to figure out your tax bracket because it’s based on your income, but it’s trickier to calculate how much you’ll actually owe because of the way the U.S. tax system works. For this episode, Dustin and I created an easy-to-understand tax reference guide! Here’s What You’ll Learn [0:45] Let’s talk taxes, specifica...2018-10-0419 minWealth by Design045: Start A Ben Franklin-Style Junto Club Have you ever punched someone? Not a tap on the shoulder, but a fist-clenched, teeth-gritted haymaker-to-the-jaw kinda punch. Are you thinking “how is throwing a punch living my ideal life?” Throwing (or receiving) that punch may not be ideal, but sharing the story of how it all went down might be! On this fun and informative episode, Dustin stands on the shoulders of Benjamin Franklin as he details his own experience of starting a Junto club, the benefits of deep conversation, and how you can start your own Junto club! Here’s What You’ll Learn [3:15] Before te...2018-09-2732 min
Wealth by Design044: Millennials: How Will Artificial Intelligence Impact Their Future?Millennials aren’t just the largest consumer group. They are now the primary workforce. This means that just like their parents and grandparents worried about how machines and computers could take their jobs, millennials have the same concerns about Artificial Intelligence. In fact, nearly 81% worry about their work duties being fully or partially taken over by AI technology. Here’s What You’ll Learn [0:45] Will the future be run by robots? [4:00] What can we learn from AI in the movies? [5:45] AI is simply “mimicking cognitive function” [6:00] “AI is whatever has not been done yet” [7:45] AI is there to make...2018-09-2000 minWealth by Design043: Chasing The Carrot: How To Motivate Yourself To SucceedI am sure you have all seen the picture of the carrot tied on a stick, dangling out in from of of an animal pulling a cart. That picture makes us smile, but the thought behind that tactic is actually a very effective one. Create a system of goals and rewards. Rewarding yourself for the hard work you’ve done can be extremely valuable, especially when you had to push yourself out of your comfort zone to achieve it. Not sure where to start? Check out this episode, Dustin and I will help get you started! Here’s What...2018-09-1327 minWealth by Design042: Discovering Your Perfect Client AvatarHave you met your ideal client yet? Do you know what they look like? What are interested in? How do they use technology? What they dream about? If your ideal client walked in the door right now, would you know them? In a world where people are tired of mass-produced products, finding your niche is more important than ever! In order to do that, you should create an avatar of that perfect client! If you are not sure how to get started, join us on this episode for inspiration as we outline OUR perfect client avatar! Here’s Wh...2018-09-0727 minWealth by Design040: Building Your Net Worth StatementYour net worth can be an extremely useful tool in measuring your economic status and overall financial progress from year to year. Your net worth is essentially a grand total of all your assets minus your liabilities. In other words, your net worth is the figure you get when you add up everything you own and then subtract from that the value of all of your debts. Dustin R. Granger, CFP® and I have put together a simple tool that you can use to help you calculate your net worth! Check out this Worth It episode to learn more!2018-08-2328 minWealth by Design036: Investment Wisdom You Can Bank On, Part 3Sir John Marks Templeton (November 29, 1912 – July 8, 2008) was an American-born British stock investor, businessman, and philanthropist. He is credited with giving this investment wisdom in February 1994: “Bull markets are born on pessimism, grow on skepticism, mature on optimism and die on euphoria.” Today, Dustin R. Granger, CERTIFIED FINANCIAL PLANNER™ and I break down exactly what that phrase means, and how it can help show what is happening in the financial market! Here’s What You’ll Learn [1:22] Who was Sir John Templeton? [3:15] Bull Market explained [3:45] Bear market explained [5:00] Bull markets are born on pessimism... [8:00] ...grows on skepticism... [9:15] ...Matures on optimism...2018-06-2821 min