Inspired Money

Episode 219: Professional investor and business mentor, Mariko Gordon talks about money, investing, and business. Guest Biography Mariko Gordon built a $2.5B money management firm from scratch, flying her freak flag high. It had a weird name, a non-Wall Street culture, and a quirky communication style. In 1995, when Mariko founded Daruma, only a handful of women of color owned their firms. She had to noodle out how to run a business while daily duking it out with Mr. Market and raising a family. Today she mentors women who want to start a business, turn their side hustle into their living, better manage their finances, or work through a tricky patch in life or business. She is also a poet, hypnotist, life coach, hula dancer, and Treasurer on the Board of the Asian American Writers' Workshop. In this episode, you'll learn: Investing insights from a professional portfolio manager How to invest like a girl and beat the pants off the guys Burnout and why Mariko closed her business Show notes: http://www.inspiredmoney.fm/219 Find more from our guest: www.marikogordon.com www.darumanyc.com Twitter LinkedIn Instagram Facebook Mentioned in this episode: Chuck Royce Eight Times Up - Essays on Investing Thanks for Listening and Watching! To share your thoughts: Leave a note in the comment section below. Share this show on Twitter or Facebook. Join us at the Inspired Money Makers groups at facebook and LinkedIn To help out the show: Leave an honest review on Apple Podcasts, Podchaser.com, or wherever you listen. Your ratings and reviews really help, and I read each one. Subscribe on Apple Podcasts and YouTube.

Why This Episode Is a Must-Listen Think managing family finances is all about spreadsheets and wills? Think again. "Money Talks: The Family Finance Conversations Nobody Is Having" dives deep into the real, emotional, and sometimes uncomfortable money talks that can make or break family relationships, and even impact your financial future. The episode delivers practical tips, expert perspectives, and real-life stories that will help you strengthen trust and open communication across generations. If you care about protecting your family and your money, this conversation is essential viewing.  Meet the Expert Panelists Dr. Moira Somers is a psychologist, family wealth consultant, and executive coach who specializes in the psychology of money, advising individuals, families, and institutions worldwide. She is the international bestselling author of Advice That Sticks and a faculty member at the UHNW Institute and Sudden Money Institute, and she is a leading voice on why financial advice succeeds or fails at the human level. Dr. Somers is a co-founder and Chief Learning Officer at Blackwood Family Enterprise Services. https://moneymindandmeaning.com Lynnette Khalfani-Cox, The Money Coach®, is the Founder of the Financial Influencer Network and a nationally recognized personal finance expert. She is the author of 16 books, including the New York Times bestseller Zero Debt and her latest book, Bounce Back: The Ultimate Guide to Financial Resilience. A former CNBC commentator and Wall Street Journal reporter with more than 1,000 television appearances, Lynnette helps families and organizations build practical, multigenerational financial confidence through her articles, media appearances, and the Financial Influencer Network's education-driven initiatives. https://lynnettekhalfanicox.com Scheduled but was not able to join due to travel delays. Bobbi Rebell, CFP®, is the founder of Financial Wellness Strategies and the author of Launching Financial Grownups, a go-to guide for helping (almost) adult kids become money smart. A former global business news anchor at Thomson Reuters and frequent media expert quoted by outlets including The New York Times, The Wall Street Journal, and CNBC, she brings deep expertise at the intersection of money, parenting, and real-life decision-making. https://bobbirebell.com Key Highlights: 1. Breaking the Silence on Tough Conversations According to Dr. Moira Somers, many families avoid uncomfortable discussions about aging, health, and money—which only leads to bigger problems later. She encourages families to plan ahead: "If you have [these conversations] a decade at least in advance...you can be thoughtful and caring and have, you know, be candid about how hard it might be." Proactively talking about financial help, household changes, and even when to stop driving sets the stage for smoother transitions. 2. Family Loans: More Than Money on the Line Lynnette Khalfani-Cox sheds light on why family loans so often turn sour. She urges clarity: "If you know...whoever you're loaning money to has already not paid you back...take off the rose colored glasses." She notes it's vital to formalize these deals to avoid resentment and preserve relationships—because loans can impact family bonds for years, not just bank accounts. 3. Preparing for Legacy and Heirlooms Both panelists agree: settling an estate isn't just legal—it's deeply emotional. Transparent processes, open inventory, and discussing "the why" behind gifts and heirlooms help families avoid the heartbreak of sibling feuds. Dr. Somers adds, "We ask heirlooms and possessions to do things that they were never capable of doing." The episode explores how sharing your intentions openly—while you're still here—can bring families closer together. 4. Blended Families Need Extra Clarity Blended families face even more complexity. Lynnette Khalfani-Cox emphasizes the importance of communication, aligning on values, and using structures like prenuptial agreements and QTIP trusts to protect everyone's interests. Discussing obligations and honoring prior commitments sets the foundation for multi-generational wealth and stability. Call-to-Action One thing to do this week: start one conversation you've been putting off. It could be asking your parents where key documents are, setting expectations with an adult child, or clarifying a financial boundary. You don't need all the answers. You just need to open the door. Find the Inspired Money channel on YouTube or listen to Inspired Money in your favorite podcast player. Andy Wang, Host/Producer of Inspired Money

Why This Episode Is a Must-Watch Is fine art a savvy investment, or just a glamorous gamble? This episode of Inspired Money pulls back the curtain on the art market and uncovers what most investors really need to know before putting their money into masterpieces. Whether you're curious, skeptical, or already have a piece or two on your walls, this panel of high-caliber experts navigates art's intersection with investment, tech, and trust... making it a must-watch for business professionals, finance enthusiasts, and art lovers alike. Meet the Expert Panelists Philip Hoffman is the Founder and Chairman of The Fine Art Group, a global leader in art investment, finance, advisory, and philanthropy that he founded in 2001 after a distinguished 12-year career at Christie's, where he became CFO at age 27 and Deputy Chief Executive of Europe by 33. Under his leadership, The Fine Art Group now advises on over $20 billion in art annually for more than 350 family offices worldwide, with a presence across the U.S., Europe, Asia, and Australia. Philip is a widely quoted authority on the art market in global media and at leading financial and cultural institutions. https://www.fineartgroup.com Nanne Dekking is Co-Executive Chairman of Winston Artory Group and one of the most prominent pioneers in applying data science, artificial intelligence, and asset tokenization to the global art market. With more than three decades of experience as an art historian, advisor, and market innovator, he has consistently operated at the intersection of connoisseurship, finance, and technology. Formerly Vice Chairman and Worldwide Head of Private Sales at Sotheby's, and the founder of Artory, Dekking is widely recognized for advancing provenance, transparency, and trust in high-value art transactions through data-driven systems and blockchain-based infrastructure. He is a frequent contributor to Bloomberg and the Financial Times and a leading voice on the future of art as an institutional-grade asset class. https://www.wag-art.com Dr. Carina Popovici is the co-founder and CEO of Art Recognition, a Zurich-based ArtTech company pioneering the commercial use of artificial intelligence for art authentication and forgery detection. A PhD-trained theoretical physicist and former quantitative risk specialist in Swiss banking, she brings deep expertise in AI, physics, and finance to one of the art market's most critical challenges: trust, provenance, and authenticity. Her work has been featured by major international outlets including The Wall Street Journal, Financial Times, and The Guardian. In 2025, Luxembourg-based art investment firm Alpha Star invested USD 1 million in Art Recognition to accelerate the company's growth and mission. https://art-recognition.com Key Highlights: 1. Authenticity, Trust, and Data—More Fragile Than You Think Blue chip status rests on reputation, but Carina Popovici reveals that institutional validation doesn't eliminate authenticity risks. AI tools are changing how authenticity and confidence intersect, potentially saving investors from costly surprises. 2. Investment Is About Expert Know-How, Not Just Data Philip Hoffman emphasizes that "human interaction, professional knowledge, and expertise make the difference between $3 million and $30 million." Data and AI support, but don't replace, the judgement of seasoned advisors, especially when condition and provenance can shift value dramatically. 3. Fractional Ownership: Democratizing or Dangerous? Platforms like Masterworks are opening doors, but Nanne Dekking and Philip Hoffman warn about high fees and speculative risks for everyday investors. "The costs kill it. For every million you're investing…in a fractionalized fund…your fees will be $40 million," cautions Philip Hoffman. 4. AI Can Be a Double-Edged Sword While good AI models are advancing to authenticate art, Carina Popovici highlights the growing threat: "These days it's possible to fake absolutely anything…with AI." The stakes in provenance and validation have never been higher. Call-to-Action Here is one thing to do this week, take a moment to explore your own relationship with art: visit a gallery, research an artist you admire, or even start tracking works that inspire you. Engaging with the art world, even just a little, is the first step toward thinking like a thoughtful art investor. Find the Inspired Money channel on YouTube or listen to Inspired Money in your favorite podcast player. Andy Wang, Host/Producer of Inspired Money

Why This Episode Is a Must-Watch Are you ready for the seismic changes transforming the workplace? If you're seeing headlines about "AI reshaping jobs" or "the rise of the portfolio career," but wondering how to actually navigate these trends, this episode of Inspired Money is your roadmap. We assembled a panel of top experts, authors, analysts, and entrepreneurs, who share practical strategies to help you future-proof your career, build resilience, and find meaningful work in a rapidly evolving professional world.  Meet the Expert Panelists Pamela Slim is an award-winning author, speaker, and CEO of The Pamela Slim Agency, where she helps business owners scale their businesses and intellectual property through productized services, certifications, and licensing programs. She is the author of Escape from Cubicle Nation, Body of Work, and The Widest Net, the latter of which won Porchlight's Best Sales and Marketing Book of 2021. https://pamelaslim.com Charlene Li is a renowned author, analyst, and entrepreneur who has been at the forefront of major technological transformations for the past three decades, helping organizations thrive through disruption. As the founder of Altimeter Group and author of six books, including "The Disruption Mindset" and "Winning with Generative AI," she provides strategic insights on leadership, customer experience, and the future of work. https://charleneli.com Elaine Pofeldt is an award-winning journalist and author of The Million-Dollar, One-Person Business, where she documents how solopreneurs are building highly profitable companies without employees. Her reporting for Forbes, Fortune, and Inc. has made her a leading voice on independent work, scalable solo businesses, and the future of entrepreneurship. https://www.elainepofeldt.com Key Highlights: 1. Build a Resilient 'Skill Stack' Today, career security isn't tied to a single job title. Pamela Slim advocates for building a "body of work" by identifying your anchor skill and layering in complementary skills for adaptability. She encourages professionals to find the connecting thread in their diverse experiences and to "codify your unique genius" through what she calls the "thumbprint method," ultimately scaling your impact and income. 2. Partner With AI: Don't Fight It According to Charlene Li, AI isn't here to replace you—it's here to assist. Her "90-day AI Blueprint" helps professionals apply AI to their biggest goals, not just tasks. She shares, "Start with the biggest, most important goals that you have and then apply AI to it," emphasizing that upskilling is continuous and should focus on both technical and timeless human strengths. 3. Scale Smarter, Not Just Bigger Elaine Pofeldt points out that the million-dollar solo entrepreneurs she profiles excel by streamlining, outsourcing, and leveraging tech—not by working around the clock. She underscores that strong systems, clear focus, and building genuine human connections ("the greatest efficiency") are the ultimate productivity boosters. Her practical advice: "Pare down what you need to do and outsource or automate the rest." 4. Align Work With Your Values and Build Your Own Safety Net The panelists agree: Authenticity and alignment aren't buzzwords. They are strategies for resilience. Burnout happens when your values and your work clash. In today's post-corporate landscape, your security comes from the systems you build... emergency funds, insurance, retirement plans, and your ability to adapt. Call-to-Action Here's one thing you can to do this week. Take 30 minutes and do a simple audit of your career. Write down your anchor skill, the thing that reliably creates value today. Then list two or three adjacent skills, tools, or interests you could develop to increase your optionality, whether that's learning to use AI more effectively, productizing part of what you do, or exploring a side project you've been putting off. You don't have to act on all of it. Just name it. Clarity is the first step to momentum. Find the Inspired Money channel on YouTube or listen to Inspired Money in your favorite podcast player. Andy Wang, Host/Producer of Inspired Money

Why This Episode Is a Must-Listen Ready to transform your relationship with money in 2026? "Master Your Money Mindset: Secrets to Financial Freedom" brings together a powerhouse panel from the fields of behavioral finance, financial therapy, and real-world investing. If you've ever felt that your money decisions are driven by emotion—fear, greed, or old family beliefs—this episode peels back the curtain on what's really happening behind the scenes. Whether you're a finance professional, an investor, or simply striving for personal financial stability, this episode provides you with practical systems and fresh insights that can help you sidestep costly mistakes and build lifelong wealth with confidence. The episode dives deep into the psychology of money, equipping you with actionable frameworks you can use today. Meet the Expert Panelists Brian Portnoy, Ph.D., CFA, is the founder of Shaping Wealth, a leading learning platform focused on the psychology of money and human-first financial guidance. A former hedge fund and mutual fund investor, he is the author of several bestselling books, including The Geometry of Wealth, that explore how to build a life of meaning, not just wealth. https://www.shapingwealth.com Saundra Davis MSFP, APFC®, FBS® is a US Navy veteran, financial coach, educator, and consultant, nationally recognized for her expertise in financial coaching, financial therapy, and addressing the racial wealth gap. She is the founder of Sage Financial Solutions (a training organization) and serves as the Director of Financial Planning Programs at Golden Gate University, where she develops and facilitates financial capability programs and coaching certifications to promote equitable access to high-quality financial guidance for all. https://www.sagefinancialsolutions.org Henrik Cronqvist is a leading behavioral finance scholar trained under Nobel Laureate Richard H. Thaler at the University of Chicago, whose research on how psychology shapes financial decision-making has been published in top journals including the American Economic Review, Journal of Political Economy, and Journal of Finance. A former dean and vice dean, he now advises FinTech and EdTech ventures and is building the world's first Behavioral Finance AI Lab, bridging behavioral science, technology, and real-world impact. He is a Professor of Finance at Chapman University in Southern California. https://sites.google.com/site/henrikcronqvist Dr. Kristy Archuleta is a professor in the Financial Planning program at the University of Georgia, a Licensed Marriage and Family Therapist, and a Certified Financial Therapist™, specializing in the intersection of money, relationships, and well-being. A co-founder of the Financial Therapy Association and editor of leading academic journals, she is an award-winning researcher and co-author of Psychology in Practice: Financial Planning Essentials, bringing cutting-edge financial therapy insights to practitioners and the public alike. https://www.fcs.uga.edu Key Highlights 1. Self-Awareness is the Foundation of Financial Success Saundra Davis emphasizes that building systems and practicing self-compassion is more effective than relying on willpower alone. She notes, "We will not abuse ourselves into better financial behaviors," urging listeners to develop routines that regulate emotional triggers and cultivate deep compassion for themselves. 2. Automation Beats Emotion-Driven Decisions As Brian Portnoy points out, "Sometimes the best way to make a decision is to not make it at all." Delegating key financial decisions to automated systems—like retirement savings—removes guesswork and helps investors outsmart the biases that so often lead to costly mistakes. 3. Money Beliefs Are Shaped by Family and Community Systems Kristy Archuleta discusses how early experiences and family dynamics unconsciously drive our financial decisions. Becoming aware of these scripts—and compassionately rewriting them—empowers us to change lifelong patterns. 4. Technology Is a Double-Edged Sword for Modern Investors Henrik Cronqvist warns that while automation and account structure can help, technology also amplifies action bias and the temptation to gamble. "It's probably the most difficult time to stay rational," he observes, stressing the need for systems that shield us from emotional and herd-driven behaviors. Call-to-Action One thing to do this week. Think about one financial decision on your mind right now, big or small. Take two minutes and write down what emotion is attached to it, what story you're telling yourself about that decision, and one rule or pause you could add so future you doesn't have to rely on gut instinct alone. That short reflection can completely change how you make decisions going forward. Find the Inspired Money channel on YouTube or listen to Inspired Money in your favorite podcast player. Andy Wang, Host/Producer of Inspired Money

Why This Episode Is a Must-Listen Retirement is no longer just about stepping away from work. It's an opportunity to redefine purpose, rediscover joy, and design a life aligned with your values. In this episode of Inspired Money, three thought leaders unpack what it means to retire mindfully, covering everything from emotional health, financial habits, to building a portfolio of passions and community ties. Whether you're planning your next chapter, already retired, or simply rethinking your approach to money and fulfillment, this conversation will help you set a new course.  Meet the Expert Panelists Vicki Robin is a renowned social innovator, author, and speaker best known for co-authoring the groundbreaking personal finance classic, Your Money or Your Life, which has inspired readers worldwide to rethink their relationship with money and pursue financial independence. An advocate for sustainability and localism, she also authored Blessing the Hands That Feed Us and hosts the podcast series What Could Possibly Go Right?, where she explores emerging solutions for societal challenges. https://vickirobin.com Jordan Grumet, MD, is a hospice doctor, author, and host of the Earn & Invest podcast, blending his expertise in medicine and finance to explore financial independence, wealth building, and living meaningfully. With a deep understanding of both personal finance and end-of-life care, he empowers others to make intentional, regret-free financial decisions. https://www.earnandinvest.com Ellen Langer is a pioneering Harvard psychologist known as the "mother of mindfulness," whose 40+ years of research revolutionized understanding of how mindful awareness (without meditation) shapes health, aging, decision-making, and human potential. She is the author of 13 books, including the bestseller Mindfulness and The Mindful Body, and her award-winning work has earned her Guggenheim, Staats, and Liberty Science Genius honors. https://www.ellenlanger.me Key Highlights Challenging Retirement Stereotypes Jordan Grumet reframes retirement from a period of slowing down to a time of "unlimited choice." He notes, "Instead of working for other people, you get to work for yourself—making decisions about what fills you up, excites you, and connects you to others." The episode explores how retirees can pivot from old assumptions and design lives abundant in purpose and connection. Mindfulness as a Tool for Fulfillment Ellen Langer's research shows that simply noticing new things—being actively present—invigorates both mind and body. "Mindfulness is the very simple process of active noticing," she says, and this practice can turn routine experiences into sources of joy, health, and new passions later in life. Community & Belonging Over Consumption Vicki Robin emphasizes the importance of context and connection: "The activity of creating community is so often approached from a consumer perspective—'I want community'—not the hard work of micro actions that let people know you care." The episode shows that real fulfillment comes from cultivating relationships and community, not just individual pursuits. Emotional Health & Financial Freedom The panelists agree: regrets at life's end aren't about money, they're about missed connections and opportunities for self-fulfillment. Jordan Grumet shares, "Our regrets are that we didn't become a better version of ourselves, and money's only loosely tied to that." The episode offers practical strategies to spend purposefully and let go of financial scarcity to live more fully. Call-to-Action Here's one thing to do this week: Create your own "Portfolio of Passions." Take five minutes and write down three activities that give you energy, three that bring you connection, and three that spark curiosity. Put that list somewhere you'll see it. Then commit to trying just one of those things in the next seven days. Find the Inspired Money channel on YouTube or listen to Inspired Money in your favorite podcast player. Andy Wang, Host/Producer of Inspired Money

Why This Episode Is a Must-Listen Are swirling headlines and sharp market moves making you uneasy about your portfolio? This Inspired Money episode delivers expert insights and actionable strategies for investing in volatile, uncertain markets. Four seasoned investors and strategists share how they interpret risk, deploy defensive tactics, and uncover opportunities where others see chaos. Whether you're a new or experienced investor, this discussion provides clarity, tools, and confidence–especially when markets get stormy.  Meet the Expert Panelists Katie Stockton, CMT is the Founder and Managing Partner of Fairlead Strategies and a widely respected technical analyst known for her disciplined, signal-driven approach to market trends. A frequent CNBC contributor and portfolio manager of the Fairlead Tactical Sector ETF (TACK), she brings more than two decades of Wall Street experience advising institutional investors. https://www.fairleadfunds.com  Mike Taylor is the Lead Portfolio Manager of the Simplify Health Care ETF (PINK), the first 100% pro bono ETF with all net profits benefiting the Susan G. Komen Foundation. With over two decades of experience managing long/short healthcare equity portfolios at firms like Citadel, Millennium, and Diamondback Capital, Mike is widely recognized for running one of Wall Street's top-performing healthcare hedge funds. https://simplify.us     Seth Cogswell is the Managing Partner and Founder of Running Oak Capital, where he co-manages the Efficient Growth strategy using a disciplined, quality-focused investment approach. With experience spanning portfolio management, multi-strategy trading, and an MBA from The Wharton School, he brings a data-driven perspective to navigating market uncertainty. https://www.runningoaketfs.com  Gary Brode, Managing Partner at Deep Knowledge Investing, brings over 30 years of securities industry experience to delivering independent, actionable stock ideas and market research for sophisticated investors. His career includes roles at Morgan Stanley, Seneca Capital, Brahman Capital, and John Levin & Co., as well as founding Akita Capital Management and Silver Arrow, reflecting a long track record of successful investing and leadership. https://deepknowledgeinvesting.com  Key Highlights: 1. Making Volatility Work for You Katie Stockton shares that "cycles in market sentiment" mean volatility isn't just chaos—it's actionable data. Her use of tools like the VIX and sector rotation models helps investors sidestep emotional reactions and reposition for opportunity, not fear. 2. Defending Your Portfolio with Purpose Mike Taylor discusses how, for the first time in his career, gold has become one of his largest positions. Driven by macro risks like global overspending, he urges investors: "Gold is going to be a hedge for inflation and deflation. It will end up working both ways." 3. The Importance of Quality and Downside Protection Seth Cogswell emphasizes that real risk is not volatility, but permanent loss of capital. His rules-based strategy focuses on high-quality, low-debt companies: "Nothing destroys exponential growth like big drawdowns. Avoiding major losses is our #1 focus." 4. Fundamental Discipline and Hedging for the Future Gary Brode underlines the importance of sticking to your thesis and balancing optimism with protection. He avoids government bonds, preferring assets like Bitcoin and gold: "I want to own hard things that are difficult to replicate...and protect against emerging inflation risks." Call-to-Action Here's one thing to do this week: write down one rule you will follow the next time the market pulls back. It could be an allocation target, a rebalancing trigger, or even a simple statement like, 'I won't sell on fear.' Put it on paper. Your future self will thank you the next time emotions start running high. Find the Inspired Money channel on YouTube or listen to Inspired Money in your favorite podcast player. Andy Wang, Host/Producer of Inspired Money

Why This Episode Is a Must-Listen Life's big transitions—marriage, career shifts, supporting family, divorce, or reinventing life purpose—inevitably test both our emotions and our finances. This episode of Inspired Money explores practical strategies and real-world wisdom for navigating these pivotal moments. Whether you're planning for an uncertain future or actively rebuilding after change, this conversation with a panel of renowned experts offers actionable advice, hard-won insights, and plenty of encouragement. Don't miss this masterclass on making smarter money moves through any transition. Meet the Expert Panelists Dr. Preston D. Cherry is a financial psychologist, CFP®, and author of Wealth in the Key of Life, known for helping individuals align their money with their values through his Life Money Balance® philosophy. As Founder of Concurrent Financial Planning and Director of the Financial Planning Program at UW–Green Bay, he blends financial expertise with emotional insight to guide people confidently through major life and wealth transitions. https://www.concurrentfp.com Mariko Gordon, CFA, CFP® is the CEO of Uzume LLC, where she provides financial planning and consulting services to individuals and families. She previously founded and built Daruma Capital Management into a $2.5 billion firm with a distinctive, non-traditional approach to investing. With over 30 years of experience as a small-cap stock picker, she now helps clients navigate personal finance, entrepreneurship, and life transitions, drawing from her deep expertise in business, investing, and her multicultural heritage. https://marikogordon.com https://www.uzumellc.com Jackie Cummings Koski is a CFP® professional, Accredited Financial Counselor, and award-winning financial educator who achieved F.I.R.E. in her 40s after overcoming poverty, divorce, and single motherhood. She is the author of F.I.R.E. for Dummies and co-host of the "Catching Up to FI" podcast, using her expertise to help people build financial literacy and pursue financial independence at any life stage. https://www.finomenalwoman.com Jacqueline "JaQ" Campbell is Founder and CEO of Alexander Legacy Private Wealth, where she leverages decades of experience—rising from a high school intern at Comerica's Private Bank to leading a $1.8 billion investment team at Chase Wealth Management—to guide clients and mentor the next generation of advisors. Passionate about community impact, diversity, and inclusion, she serves on multiple boards while embodying her philosophy as a mother, innovator, and philanthropist. https://www.alprivatewealth.com This episode is sponsored by Seeking Alpha — get their best Black Friday deal of the year now through December 10, 2025. Visit www.inspiredmoney.fm/alpha for the best discounts of the year. Key Highlights 1. Communication & Transparency are Essential in Relationships Preston D. Cherry and Jackie Cummings Koski stress that honest, ongoing conversations about money, before and during life transitions, are non-negotiable. Building shared financial goals, scheduling regular money meetings, and understanding differences in financial background ("money genealogy") help partners maintain unity and autonomy. "If you agree that the household is the mission, you can better understand each other's paths," emphasizes Preston D. Cherry. 2. Preparing for a Career Pivot Means More Than the Numbers Mariko Gordon explains that major changes like launching a business demand both runway and emotional readiness. She highlights the importance of clarity around your cash flow, having a contingency plan, and not feeling like a failure if you need to pause or pivot, "sometimes you don't have to commit financial scorched earth devastation." Jacqueline "JaQ" Campbell adds that curating a personal board of directors and mentors is just as critical as financial systems. 3. Multi-Generational Support Requires Boundaries and Education For those "sandwiched" between supporting children and aging parents, Jacqueline "JaQ" Campbell and Jackie Cummings Koski agree that prioritizing your own retirement and empowering others through financial literacy are keys to sustainable support. Rather than being an ATM, strive to be your parents' and children's CFO: educate, plan, and let loved ones learn through their own financial decisions. 4. Navigating Solo Transitions: Give Yourself Grace Loss and divorce are as much emotional events as financial ones. Jackie Cummings Koski and Jacqueline "JaQ" Campbell underline the necessity of seeking support, taking time to process grief, and acting strategically, updating financial documents, gathering your advisory team, and setting new goals. Preston D. Cherry shares, "Allow yourself the space to heal… you don't need permission to take it for yourself." Call-to-Action Pick one transition, current or upcoming, and write down the single next financial action that would bring you more stability. This week, take that first step, whether it's organizing documents, reviewing beneficiaries, or scheduling a money conversation. Progress starts with one action! Find the Inspired Money channel on YouTube or listen to Inspired Money in your favorite podcast player. Andy Wang, Host/Producer of Inspired Money

Why This Episode Is a Must-Listen Are you intrigued by the intersection of passion and profit in wine collecting? This Inspired Money episode, hosted by Andy Wang, brings together top minds from wine auctions, investment platforms, and market experts for an eye-opening look at how wine has become a bona fide asset class. Whether you're a seasoned collector, investor, or simply wine-curious, this discussion unpacks strategies to maximize both enjoyment and value. Episodes like this are packed with insights that demystify the fine wine market, reveal what really drives price appreciation, and share hard-earned advice on avoiding costly mistakes. Meet the Expert Panelists Nick Pegna is the Global Head of Wine & Spirits at Sotheby's, bringing over 30 years of international experience in building and leading fine wine businesses across Europe and Asia. Formerly a senior executive at Berry Bros. & Rudd, where he helped shape global markets and co-led Hong Kong's successful campaign to abolish wine duties, Pegna now oversees Sotheby's record-setting global auction and retail operations. https://www.sothebys.com Callum Woodcock is the Founder and CEO of WineFi, a London-based investment platform that combines institutional-grade analytics with expert curation to make fine wine investing more transparent and accessible. A former J.P. Morgan asset manager with degrees from the University of Bristol and the University of Cambridge, he's leading WineFi's mission to position fine wine as a data-driven, tax-efficient, and inflation-resilient asset class. https://www.winefi.co Amanda McCrossin is a sommelier, media personality, and creator of @sommvivant, where her wine-focused content reaches over 450,000 followers across Instagram, TikTok, and YouTube. Formerly the Wine Director at PRESS Restaurant in Napa Valley—the world's largest collection of Napa Valley wines—she's now a leading voice in wine education and storytelling, hosting the Wine Access Unfiltered podcast and appearing regularly at major global wine events. https://www.amandamccrossin.com https://www.sommvivant.me Robbie Stevens is the Head of Broking at Live-ex, the global exchange for fine wine, market data, and insight. On a daily basis he deals with the largest fine wine buyers and sellers globally, offering them data-driven intelligence and opportunities to trade. With over a decade at Liv-ex and experience across global wine markets, as well as regularly sharing his experience on the international stage, speaking at conferences such as Vinexpo and the National Association of Wine Retailers, he combines deep knowledge of the fine wine market with strong industry perspective. https://www.liv-ex.com Unfortunately, Dustin Wilson wasn't able to join this episode, but you can catch him in "The Art of Wine Pairing: Elevating Retirement Gastronomy with Fine Wines" from April 2025. Dustin Wilson is a Master Sommelier, entrepreneur, and co-founder of Verve Wine, a modern retail and hospitality brand with locations in New York, San Francisco, and Chicago. Known for his role in the SOMM film series, Wilson has also launched Après Cru, a firm supporting the growth of visionary restaurant concepts. https://ny.vervewine.com Key Highlights 1. Disciplined Bidding at Auctions Nick Pegna reveals why preparation and strategy, including setting a maximum bid and understanding total costs, safeguard buyers against emotional overspending: "The most careful and frequent buyers at auction have a strategy. They've planned what they're looking to bid on...across multiple auctions." 2. Secondary Market Liquidity Drives Investment Value Callum Woodcock emphasizes the importance of focusing on wines with proven resale liquidity, not just brand prestige or critics' scores. Data-driven models and decades of market transaction history are now key to "blue chip" wine selection. 3. Storytelling Fuels Scarcity and Demand Amanda McCrossin illustrates how narrative and personal connection make certain bottles iconic and drive up their market value, citing Napa's Screaming Eagle as a prime example. "Scarcity is really only informed by storytelling...what has made Napa Valley so successful is the storytelling element." 4. Transparency and Technology Are Raising the Bar Robbie Stevens shares Liv-ex's role in fostering trust: from vetting merchants, digitizing provenance, to benchmarking prices. The expansion of data access and seller management tools allows collectors to track market movements and optimize timing for liquidation. Call-to-Action Take a look at one item in your own collection, wine, art, or even another collectible, and think about it like an investor. What makes it valuable? How would you verify its authenticity, track its performance, and decide the right time to sell? Just doing that exercise will give you a new lens for appreciating your investments, and maybe even inspire your next move. Find the Inspired Money channel on YouTube or listen to Inspired Money in your favorite podcast player. Andy Wang, Host/Producer of Inspired Money

Why This Episode Is a Must-Listen What does it really take to master leadership in a fast-changing, high-pressure world? This episode from Inspired Money goes far beyond the usual advice, diving into real strategies for financial success and personal growth. If you want to lead with impact, whether at the kitchen table or the boardroom, this expert panel shares actionable insights, powerful stories, and game-changing tools for becoming the kind of leader people actually want to follow.  Meet the Expert Panelists Heather Younger is the Founder and CEO of Employee Fanatix, a leading consulting firm specializing in employee engagement, culture, and active listening. A bestselling author, TEDx speaker, and expert on empathy in leadership, she empowers organizations to build trust, inclusivity, and workplaces where every voice feels heard and valued. https://heatheryounger.com Charlene Wheeless is a leadership strategist, executive coach, and bestselling author who helps leaders and organizations transform culture, elevate communication, and lead with authenticity and impact. A former Principal Vice President at Bechtel Corporation and member of Marshall Goldsmith's 100 Coaches, she is a sought-after speaker on resilience, empowerment, and purpose-driven leadership. https://charlenewheeless.com Tiffany Yu is the CEO & Founder of Diversability, a 3x TEDx speaker, and the author of The Anti-Ableist Manifesto: Smashing Stereotypes, Forging Change, and Building a Disability-Inclusive World. She started her career at Goldman Sachs and was named to the 2025 Forbes Accessibility 100 List. At the age of 9, Tiffany became disabled as a result of a car accident that also took the life of her father. https://www.tiffanyyu.com This episode is sponsored by Runnymede Capital Management. Get your free 3-minute financial plan at https://www.inspiredmoney.fm/getplan and discover your retirement age, income, and strategy today. Key Highlights: 1. Leadership Is Adaptability in Action Charlene Wheeless shares how true leaders move beyond hierarchical models: "You quickly learn that hierarchical leadership is quite ineffective…If you can connect with someone, you can lead someone." Adaptability, active listening, and connecting with people on a one-on-one level turn authority into inspiration. 2. Vulnerability Is the New Power Tiffany Yu talks openly about leading with vulnerability and authenticity—especially in spaces that haven't historically made room for difference. "I believe that we have the capacity to be our full, authentic selves…Just different parts of it are showing up at different times." Her approach shows how vulnerability, not perfection, drives belonging and possibility. 3. Listening and Empathy Build Trust Heather Younger explains her unique practices for making teams feel truly seen and heard: "I always have this practice where if I'll present an idea…I let them basically overvote me. That creates a sense of safety. And they know what, they can trust me." Her actionable tips for active listening cut through disengagement and unlock deeper trust. 4. Integrity as a Strategic Asset The panel emphasizes how integrity isn't just a virtue. It's foundational to sustainable business success. Tiffany points out: "There is a business case for disability inclusion…how can we balance both the moral imperative with the economic imperative and have them in tandem?" Integrity shapes culture, attracts talent, and drives performance... not just reputation. Call-to-Action Your Inspired Money challenge for the week: choose one conversation where you'll listen with full attention. No distractions, no rehearsed responses... just presence. Notice how it changes the dynamic and what opens up as a result. Find the Inspired Money channel on YouTube or listen to Inspired Money in your favorite podcast player. Andy Wang, Host/Producer of Inspired Money

Why This Episode Is a Must-Listen Can strategic generosity help you thrive, emotionally and financially? In this Inspired Money episode, host Andy Wang brings together an expert panel to explore how acts of giving don't just change communities, but transform your own sense of purpose, happiness, and financial health. If you believe philanthropy is only "about the money," this episode will give you a whole new perspective and practical strategies to make your giving more impactful. Whether you're an individual donor, family foundation, finance professional, or nonprofit leader, this is packed with actionable advice—and heart. Meet the Expert Panelists Caroline Fiennes is the Founder and Director of Giving Evidence, an organization that promotes evidence-based charitable giving to ensure donations create measurable impact. A Visiting Fellow at Cambridge University and author of It Ain't What You Give, It's the Way That You Give It, she is recognized globally as a "charmingly disruptive" expert on effective philanthropy and has advised leading donors, companies, and foundations worldwide. www.giving-evidence.com Paul G. Schervish is Professor Emeritus of Sociology and former Director of the Center on Wealth and Philanthropy at Boston College, where he pioneered research on the moral, social, and emotional dimensions of wealth and giving. A Fulbright Scholar and five-time honoree on The NonProfit Times "Power and Influence Top 50," he has shaped how scholars and practitioners understand philanthropy as both a financial and spiritual endeavor. http://www.bc.edu/cwp Yvonne L. Moore is the Founder and Managing Director of Moore Philanthropy and President of Moore Impact, bringing over 25 years of experience across government, civil society, and philanthropy. A leading voice in equitable and cross-border giving, she helps families, individuals, and institutions design values-driven strategies that advance social impact in the U.S., Africa, and beyond. https://moorephilanthropy.com Stephen Kump is President of DAFs at Foundation Source, where he leads innovative philanthropic solutions for donors, institutions, and workplaces. A former Bain consultant and U.S. Army officer, he is also the founder of Charityvest and Chairman of Teen Advisors, combining technology and purpose to expand access to effective giving. https://foundationsource.com This episode is sponsored by Runnymede Capital Management. Get your free 3-minute financial plan at https://www.inspiredmoney.fm/getplan and discover your retirement age, income, and strategy today. Key Highlights 1. Building an Impactful Philanthropic Portfolio Caroline discusses why giving should be as strategic as any investment. Rather than random donations, align your charitable "portfolio" with your skills and resources—and verify that you're meeting real needs with evidence-based solutions. She advises, "It's important to think about what you have... Money is the most obvious thing, but there can be other things donors bring as well." 2. The Emotional Rewards of Giving Paul reveals that generosity is deeply connected to happiness and meaning. Drawing on Aristotle's concept of "philia"—friendship love—he explains, "The more you feel the people you are looking to help are actually yourself, or people like those whom you love...the greater is your generosity." Joy comes from connecting your giving to your deepest values. 3. Values-Driven and Relationship-Centered Giving Yvonne urges donors to engage their families and communities—not just write checks. Impact starts with understanding the problems you're trying to solve, ongoing donor education, and building trust with nonprofits. "Philanthropy is not about wealth, it's about worth and how you understand the worth of other people," she shares. 4. Technology and Financial Planning Tools for Greater Impact  Stephen demystifies donor advised funds and tax-smart strategies, making giving frictionless and empowering donors to commit more, without financial strain. "We want to put a lot of focus on making the transactional frictionless so the relational can flourish," he says. From bunching to appreciated stock, financial tools are game changers for modern philanthropists. Call-to-Action Inspired Money Challenge: This week, take one intentional action toward generosity: set up a recurring donation, research a charity before giving, or simply give your time to someone who needs support. Do it with purpose, and notice how it makes you feel. Find the Inspired Money channel on YouTube or listen to Inspired Money in your favorite podcast player. Andy Wang, Host/Producer of Inspired Money

Why This Episode Is a Must-Listen Are you ready to move beyond traditional approaches to real estate and discover today's smartest wealth-building strategies? This episode of Inspired Money brings together five investors  to demystify how property investment is adapting to a tech-driven, data-first era. Whether you're just getting started or scaling up your portfolio, this conversation offers actionable insights on asset selection, risk management, advanced financing, and making an impact—with a wealth-building lens you won't want to miss.  Meet the Expert Panelists Ken McElroy is a multifamily real estate investor, author, and CEO of MC Companies, which manages more than $2 billion in assets nationwide. A popular YouTube creator, podcast host, and founder of The Collective Advisors Mastermind, he is dedicated to teaching others how to achieve financial freedom while giving back through the Sharing the Good Life Foundation. https://kenmcelroy.com Neal Bawa is the CEO and Founder of UGro and Grocapitus, two data-driven commercial real estate investment firms with a portfolio of over 4,800 units and $1 billion in assets under management. Known as "The Mad Scientist of Multifamily," he is a leading voice in applying analytics, PropTech, and FinTech to transform real estate into a more transparent and tech-enabled asset class. https://grocapitus.com Jay Papasan is a bestselling author and longtime executive at Keller Williams Realty International, where he has led education, publishing, research, and strategic content for the world's largest real estate company. CEO of Produktive and co-author of The ONE Thing (3.5M+ copies sold), Jay also co-owns Papasan Properties Group with his wife Wendy and hosts The ONE Thing and Think Like a CEO podcasts. https://www.jaypapasan.com J Scott is an entrepreneur, investor, and bestselling author of five real estate books that have sold over 500,000 copies worldwide. A former Silicon Valley executive at Microsoft and eBay, he's now a partner at Bar Down Investments, where he currently owns and operates a $200M multifamily investment fund with over 1,100 units. https://www.jscott.com Paul Moore is the Founder of Wellings Capital, a firm that manages 8 private equity commercial real estate funds. He is a seasoned commercial real estate investor with experience in multifamily, self-storage, and large-scale developments. An entrepreneur and author of two real estate books, Paul has completed over 100 property investments and regularly shares his expertise through podcasts, media appearances, and industry events. https://www.wellingscapital.com This episode is sponsored by Runnymede Capital Management. Get your free 3-minute financial plan at https://www.inspiredmoney.fm/getplan and discover your retirement age, income, and strategy today. Key Highlights 1. The Power and Pitfalls of Niche Asset Classes  Paul Moore's perspective on "boring but beautiful" sectors like self-storage and small-bay industrial assets emphasizes their recession resistance and long-term cash flow. He underlines: "A great property can be ruined by a mediocre operator, and a mediocre asset can be saved and prosper under a great asset manager." This theme of specialized knowledge—versus chasing trends—is critical for sustainable, risk-adjusted returns. 2. Leveraging Data, AI, and Hyperlocal Analysis Neal Bawa demonstrates how real estate investing is being revolutionized by artificial intelligence and predictive analytics. "All of our rent comps are now done by a tool called Manus…We're able to manage our properties better because our weekly reports on asset management are AI-generated," Neal shares. The key is using tech not just for efficiency, but for smart, precision targeting in investment decisions. 3. Strategic Asset Management—From Landlord to Business Owner Ken emphasizes the essential mindset shift from simply being a landlord to managing properties as scalable businesses. "If the asset is in really, really good shape, it's well capitalized, it's maintained, financially maintained…then it actually helps when you start to exit." Operational excellence—including robust asset management and leveraging both people and systems—drives sustainable value. 4. Aligning Values and Wealth: Impact Investing in Real Estate  This episode dives into strategies for doing well while doing good. Jay Papasan highlights, "The money is good for the good it can do...wealth is great because we can make great change with it." Both he and J Scott discuss setting impact goals, engaging community, and integrating purpose into investment models—showing that profitability and purpose aren't mutually exclusive. Call-to-Action Your Inspired Money challenge for the week: take one step to move from "landlord thinking" to "asset manager thinking." Review a property you own, or one you're considering, and calculate its Net Operating Income. Ask yourself, "What simple change could increase cash flow or reduce costs?"  Mentioned in this Episode: Warren Buffett Charlie Munger John Arrillaga The Perfect Investment: Create Enduring Wealth from the Historic Shift to Multifamily Housing (Paul Moore) CoStar Real Estate Manager Yardi Manus William Wilberforce Amazing Grace (2006 film)   Find the Inspired Money channel on YouTube or listen to Inspired Money in your favorite podcast player. Andy Wang, Host/Producer of Inspired Money

Why This Episode Is a Must-Listen Are you overlooking the most important investment in your portfolio, yourself? In this episode of Inspired Money, host Andy Wang is joined by four experts to explore why "investing in yourself" is both a wealth-building strategy and a path to deeper fulfillment. Whether you want to become financially resilient, boost your career, or bring more meaning to your life, this panel delivers actionable tools and insights designed for ambitious professionals. Meet the Expert Panelists Whitney Johnson is the CEO of Disruption Advisors, a leadership development firm helping companies like Amazon, Kraft Heinz, and Morgan Stanley build high-performing teams through transformative growth strategies. Ranked by Thinkers50 as one of the world's top ten management thinkers, she is a Wall Street Journal bestselling author of Smart Growth, Build an A Team, and Disrupt Yourself, and a globally recognized expert on organizational change and personal growth. https://thedisruptionadvisors.com J. Kelly Hoey is a networking expert, author, and speaker known for her groundbreaking approach to relationship building in the digital age. Her book Build Your Dream Network and dynamic talks help professionals, entrepreneurs, and creatives leverage both in-person and online networks to unlock new opportunities and drive success. https://jkellyhoey.co Claire Wasserman is the founder of Ladies Get Paid, an educator, author, and advocate for women's professional and financial advancement, who has helped thousands of women negotiate raises and start businesses, and is recognized as one of Entrepreneur Magazine's 100 Most Powerful Women. https://clairewasserman.com https://ladiesgetpaid.com Jason Vitug is a bestselling author, wellness advisor, and storyteller who empowers people to live with purpose, financial confidence, and emotional well-being. As the author of You Only Live Once and Happy Money Happy Life, and founder of Phroogal and The Smile Lifestyle, he blends personal finance, travel, mindfulness, and self-development to inspire holistic living. http://phroogal.com This episode is sponsored by Runnymede Capital Management. Get your free 3-minute financial plan at https://www.inspiredmoney.fm/getplan and discover your retirement age, income, and strategy today. Key Highlights Embrace Change and Build Your S Curve Whitney emphasizes the importance of continuously "disrupting yourself"—intentionally jumping from your current expertise to a fresh learning curve. This creates new opportunities for growth and prevents stagnation. "If I stay here, I'll stop growing and I'll start dying." Your Network is Your Career Moat Kelly illustrates how cultivating your network proactively acts as a shield, providing resilience in uncertain job markets and transitions. She advises, "How are you showing up every day?… That network, right, that is your moat." Consistently nurture relationships—don't wait until you need them. Strategic Self Investment and Energy Management Claire recommends regular self-inventory to manage your energy and optimize what gives you purpose. Simple self-checks ("Where did my energy go today?") help you identify what to double down on and what to eliminate, fueling sustainable, meaningful progress. Purposeful Growth and Holistic Well-being Jason highlights the ROI of investing not only in your skills but also in your well-being. He encourages us to measure outcomes like peace of mind and rest as real assets: "Gears that grind for too long get worn out and then thrown out. An investment in rest is vital." Call-to-Action Here's my challenge to you this week. Identify one thing in your life that you want to improve. Maybe you want to understand how to use AI in your job. Maybe you want to become a better public speaker. Maybe you want to learn to be a better cook. Whatever it is, pick it. Then do some research. Find a course, a book, a coach, or a community. Pick a date to start. Not "someday." Not "when things slow down." An actual date on your calendar. The difference between people who grow and people who stay stuck isn't talent or time or money. It's the willingness to pick a date and show up Small, consistent action beats waiting for the "perfect" time every time. Find the Inspired Money channel on YouTube or listen to Inspired Money in your favorite podcast player. Andy Wang, Host/Producer of Inspired Money

Why You Can't Miss This Episode Are you confident your wealth will stand the test of time? Or are you leaving your financial legacy vulnerable? This episode of Inspired Money takes you beyond basic portfolio talk and into practical wealth preservation strategies, from smart investing and tax planning to estate protection and next-gen philanthropy. With a powerhouse panel of financial experts, you'll learn real-world tactics to keep your money working for you, avoid costly mistakes, and build lasting financial resilience. Whether you're growing a nest egg or planning your retirement, this episode delivers the tools to protect what you've built and create a legacy that lasts.  Meet the Expert Panelists Dana Anspach, CFP®, RMA®, is the founder and CEO of Sensible Money. She's dedicated her career to helping people create sustainable retirement income plans. She's the author of "Control Your Retirement Destiny" and "Social Security Sense." Dana's hands-on experience makes her a wealth of practical knowledge. https://www.sensiblemoney.com Jacqueline Schadeck, CFP®, AWMA®, is a CERTIFIED FINANCIAL PLANNER™ professional, author, and speaker who helps individuals and families achieve financial clarity and build generational wealth. Inspired by her own family's experience with poor financial advice, she combines education, comprehensive planning, and community service to empower others toward long-term financial success. https://goldenws.com Kemberley "Kemcents" Washington, CPA, is a tax expert, journalist, and former IRS agent with over 20 years of experience helping individuals and communities navigate taxes and personal finance. A frequent contributor to Forbes Advisor and national media outlets like Good Morning America 3 and Fox Business, she is also the author of several books, including The Ten Commandments to Financial Healing and It All Starts with a Budget. https://www.kemberley.com Key Highlights 1. Rethinking the 60/40 Portfolio Dana Anspach challenges the traditional portfolio model, highlighting the need for personalized risk management: "It all comes down to being really clear on how you define risk… That's going to lead to different portfolio strategies that best protect against that risk." From alternatives to ETFs, understanding your personal timeline and goals is key to crafting a resilient investment plan. 2. Modern Estate Planning Matters Kemberley Washington emphasizes staying on top of tax law changes and setting up basic legal documents, wills, trusts, powers of attorney, before moving to advanced strategies like donor-advised funds. Jacqueline Schadeck warns: "My fear is that everyone… is part of the 70% of Americans that don't actually have any estate documents in place." Estate planning isn't optional. It's essential. 3. Business Entity & Asset Protection Simplified Entrepreneurs and investors risk everything when they mix personal and business assets. Dana Anspach shares: "You meet the wrong person at the wrong time and you never know what's going to happen… there may be simpler ways to get asset protection in place without the additional complexity." Work with both a CPA and attorney to align legal structures, taxes, and retirement planning for maximum protection. 4. Next-Gen Philanthropy & Sustainable Investing Today's investors want more than returns—they want impact. From ESG investing to donor-advised funds, philanthropy offers tax efficiency, legacy building, and social good. Kemberley Washington notes: "More and more are not only thinking about ESG, but giving more impactful—maybe to a church, tithes, and different things of that nature." Take Action: Protect Your Wealth Today My challenge to you this week: choose one area of your finances that feels exposed and commit to addressing it. Maybe that means calling your financial planner, researching asset protection strategies, or finally scheduling that estate planning meeting you've been putting off. Don't wait for the "perfect time." Small steps now prevent big regrets later. 🎧 Listen to the full episode on the Inspired Money podcast or watch on the Inspired Money YouTube channel. Find the Inspired Money channel on YouTube or listen to Inspired Money in your favorite podcast player. Andy Wang, Host/Producer of Inspired Money

Why You Can't Miss This Episode Money and technology are evolving at breakneck speed, and blockchain sits right at the center of this transformation. It's more than cryptocurrency. It's about trust, transparency, and the future of finance. In this episode of Inspired Money, we bring together leading voices in blockchain, crypto investing, and emerging technologies to help you cut through the noise and understand where this digital revolution is headed. Whether you're curious about crypto or already investing, this expert panel delivers real-world insights, personal stories, and practical takeaways to help you make sense of blockchain, digital assets, and the opportunities ahead.  Meet the Expert Panelists Dr. Merav Ozair is a leading global expert on emerging technologies, blockchain, and responsible AI, with extensive experience as a data scientist, quant strategist, and fintech educator at institutions like Cornell and Wake Forest University. A member of the Academic Advisory Board at INATBA and founder of Emerging Technologies Mastery, she is widely recognized for her work in democratizing technology and shaping ethical, inclusive digital innovation. https://www.doctorblockchain.io Sir John Hargrave is the CEO of Media Shower and publisher of the widely read Bitcoin Market Journal, trusted by over 100,000 crypto investors each month. His highly anticipated new book, The Intelligent Crypto Investor (coming February 10, 2026), reveals a proven, accessible strategy for building long-term wealth through smart crypto investing—now available for preorder. https://www.bitcoinmarketjournal.com Chris Kline is the Co-Founder and COO of BitcoinIRA, the world's first platform enabling investors to hold cryptocurrencies directly in their retirement accounts. Since launching the company in 2016, Chris has expanded its offerings beyond Bitcoin to multiple digital assets, built a secure and compliant infrastructure, and helped establish BitcoinIRA as the trusted leader in crypto retirement investing. https://bitcoinira.com Nick Spanos is a pioneering entrepreneur in the blockchain and cryptocurrency space, best known for founding Bitcoin Center NYC in 2013, the world's first physical cryptocurrency exchange located just steps from the New York Stock Exchange. He is also the inventor of the multi-branched blockchain and blockchain-based voting systems, holds multiple patents, and is a recognized thought leader featured in the Netflix documentary Banking on Bitcoin. https://www.nickspanos.com Key Highlights from the Conversation 1. Blockchain: Powering the New Digital Trust Dr. Merav Ozair emphasizes that blockchain's impact goes far beyond cryptocurrency. "AI fakes. Blockchain authenticates." She explains that as AI-generated content and digital interactions grow, we face a crisis of trust. Blockchain's immutable records and decentralized verification can bring authenticity to everything from online identities to supply chain data, ensuring we know what's real in a digital-first world. 2. Diversification and Smart Crypto Investing Sir John Hargrave demystifies crypto investing with simple, practical steps: "Start with a small amount of Bitcoin, maybe a little Ethereum. No more than 10% of your portfolio." He explains that diversification helps reduce risk while offering exposure to the potential upside of digital assets. His upcoming book, The Intelligent Crypto Investor, provides a clear roadmap for building long-term wealth without gambling on hype or speculation. 3. Democratizing Financial Opportunity Chris Kline highlights how cryptocurrency is opening doors for everyday investors: "Bitcoin and cryptocurrency is the democratization of money—it is the people's currency." Through platforms like BitcoinIRA, investors can now hold digital assets in secure, regulated retirement accounts, breaking down barriers that once limited access to alternative investments and giving individuals more control over their financial future. 4. Remaining Vigilant in a Rapidly Centralizing Landscape Nick Spanos, a pioneer from the early days of crypto, warns against forgetting its roots: "If these sleaze bags get a hold of it and turn it into what they can manipulate, it's the wrong move for humanity." He shares how Bitcoin's original ethos was built on decentralization and freedom from centralized control—and why staying vigilant is essential as institutions and governments increasingly enter the space. Your Next Step Take 30 minutes to learn about one real-world use case of blockchain beyond cryptocurrency. Whether it's supply chain transparency, digital identity, or decentralized finance, pick one area and read an article, watch a video, or even explore a project's whitepaper. The goal isn't to invest. It's to educate yourself so you can make informed decisions in the future. IMPORTANT DISCLOSURE INFORMATION: This episode of Inspired Money is sponsored by Runnymede Capital Management, Inc. The views shared are for general information only and do not necessarily reflect Runnymede's opinions. Nothing you hear should be taken as personalized investment advice. For guidance specific to your situation, please speak with Runnymede or another qualified advisor. All investments involve risk. There's no guarantee that any strategy, service, or discussion will be profitable, suitable, or successful for you. Past results are not a promise of future performance. You can find Runnymede's current disclosure brochure, which explains our services and fees, at runnymede.com or by request. A note on cryptocurrency: Cryptocurrencies are digital assets not issued or regulated by a central authority. Their prices can swing dramatically, and investors should be prepared for volatility, liquidity risks, and even the possibility of losing their entire investment. Runnymede advises approaching cryptocurrency with caution and believes it is suitable only for investors who understand and can tolerate these risks. Find the Inspired Money channel on YouTube or listen to Inspired Money in your favorite podcast player. Andy Wang, Host/Producer of Inspired Money

Why This Episode Is a Must-Listen Credit doesn't just open doors. It can make or break your financial future. In "Unlocking the Power of Credit for Financial Success," Andy Wang and a panel of experts demystify the secrets of credit scores, break down new innovations in fintech, and reveal actionable tactics for building—and protecting—your financial reputation. Whether you're just starting out, rebuilding after a setback, or looking to leverage credit for new opportunities, this episode has the clarity, insight, and real-world strategies that LinkedIn professionals need right now.  I want to thank our sponsor Seeking Alpha Premium, the investment research platform that helps you make smarter decisions with institutional-grade analysis and proven stock ratings. Get $30 off your first year plus a 7-day free trial at www.inspiredmoney.fm/alpha. Meet the Expert Panelists Howard S. Dvorkin, CPA, is a nationally recognized debt and credit expert, two-time author, and Chairman of Debt.com, where he has dedicated his career to helping Americans achieve financial freedom. A pioneer in financial education and consumer advocacy, he has shaped state and federal legislation, led national credit counseling associations, and appeared as a trusted voice in major media outlets including The New York Times, CNN, and Fox News. https://www.howarddvorkin.com Anthony Davenport is the founder and CEO of Regal Credit Management, a leading firm that helps professional athletes, entertainers, and high-net-worth individuals build, restore, and protect their credit. A best-selling author of Your Score and a certified FICO® credit expert, he is a sought-after speaker and media commentator featured in outlets such as Forbes, USA Today, and Oprah Magazine. https://anthonymdavenport.com Cullen Canazares is the Co-Founder & CEO of Rental Kharma, the pioneers in the rent reporting industry for over 12 years, having helped more than 125,000 families build credit by reporting rent payments to major credit bureaus. A Stanford Graduate School of Business alumnus and serial entrepreneur, he has dedicated his career to advancing financial inclusion and empowering renters to raise their credit scores, achieve homeownership, and access better financial opportunities. https://www.rentalkharma.com https://www.rentalkharma.com Reyna Gobel, MBA, MPH, is an award-winning freelance journalist and keynote speaker whose work on personal finance, nutrition, travel, and wellness has appeared in The Atlantic, Scientific American, Money, Reuters, AARP, and U.S. News & World Report. She is also the author of seven books—including Graduation Debt, a Washington Post Book of the Month—and has educated audiences at hundreds of colleges, alumni associations, and organizations nationwide. Her nutrition course is available at www.bestnutritionclassever.com and you can find her content at www.walletsandwaistlines.com. https://reynagobel.com Key Highlights: 1. The Real Credit Score Formula—Demystified Howard Dvorkin breaks down the evolution of credit scoring from subjective loan office assessments to the current data-driven FICO model. He emphasizes, "If you take credit out, pay it off. If you can't pay it off immediately... try to keep the utilization under 10%." Focusing on payment history and credit utilization gives you control over the score that controls so many major financial moments. 2. Insider Secrets to Credit Optimization Anthony Davenport reveals how timing and reporting dates can cause credit scores to fluctuate—even if you pay off your cards monthly. He recommends, "Find out the reporting dates for each of your credit cards and set up your auto payment to pay it off a few days in advance before that date. That way, your credit score is going to stay optimal every month, in and out."  3. Building Credit Without Going into Debt Cullen Canazares shares how rent (and now, utility) payments can count toward your credit score, thanks to new fintech solutions and imminent industry upgrades. For those without credit cards or thin files, this is a groundbreaking way to build creditworthiness—without taking on new debt.  4. Develop a Mindset for Long-Term Credit Health Reyna Gobel underscores the importance of confidence, knowledge, and bite-sized action. "A lot of people don't know the nutrients they're eating either," she says, connecting personal finance to health. Starting with small, manageable steps, like pulling your credit report or disputing an error, can yield big results. Call-to-Action Here's my challenge to you this week: Pull your credit report. It's free at AnnualCreditReport.com, and reviewing it is the first step in taking control. Look for errors, understand what's driving your score, and make one small improvement... whether that's paying down a balance, setting up autopay, or reporting your rent. As we heard from our guests, small actions can have a huge impact over time. Find the Inspired Money channel on YouTube or listen to Inspired Money in your favorite podcast player. Andy Wang, Host/Producer of Inspired Money

Why This Episode Is a Must-Listen Are you striving for both happiness and financial security but finding the balance elusive? This episode of Inspired Money dives deep into the science-backed connections between happiness and money, breaking down common myths, practical strategies, and life-changing perspectives. If you want to build not just your net worth, but your life satisfaction, this episode is packed with insights you won't want to miss.  Meet the Expert Panelists Tal Ben-Shahar is a renowned expert in the field of happiness studies. He is a New York Times bestselling author whose books have been translated into more than 30 languages. He previously taught two of the most popular courses in Harvard University's history on positive psychology and leadership, and today he co-leads global initiatives like the Happiness Studies Academy and VIVID, helping individuals and organizations cultivate resilience, wellbeing, and authentic leadership. He is a professor at Centenary University where he created the world's first MA and PhD degrees in Happiness Studies. https://www.talbenshahar.com Scott Rick is an Associate Professor of Marketing at the University of Michigan's Ross School of Business, where he studies the emotional causes and consequences of consumer financial decision-making. He is the author of Tightwads and Spendthrifts: Navigating the Money Minefield in Real Relationships (St. Martin's Press, 2024), and his research has been featured in the New York Times, Wall Street Journal, Harvard Business Review, and NPR. https://www.scottrick.com Talya Miron-Shatz is a psychologist, researcher, and author specializing in medical decision-making, patient experience, and happiness. A former postdoctoral fellow with Nobel Laureate Daniel Kahneman at Princeton and Wharton faculty member, she is now a full professor at Ono Academic College and a visiting researcher at Cambridge University, with over 60 publications and extensive consulting work for global healthcare and technology companies. https://www.talyamironshatz.com Key Highlights Happiness is the Ultimate Currency Dr. Tal Ben-Shahar explains that happiness, not wealth, is the real end goal, echoing Aristotle's ancient wisdom. He reminds us that money is simply a means, and that "if you had all the money in the world but were guaranteed misery, would you take it?" The lesson: prioritize well-being over chasing financial milestones. Know Your Financial Personality Dr. Scott Rick demystifies the tension between "tightwads" and "spendthrifts," and how both can miss out on happiness if financial habits aren't balanced. His advice is practical: in couples, defer to the "tightwad" on material purchases and the "spendthrift" on shared experiences, reinforcing that spending on relationships and novel memories pays more happiness dividends.  Purposeful Spending Outshines Consumption Dr. Talya Miron-Shatz highlights the importance of aligning spending with values and experiences, not just social media-worthy purchases. "What makes us truly happy are not just things that look good, but experiences, connections, and personal growth," she shares, urging us to break free from comparison culture and savor what truly matters. Call-to-Action Here's my challenge for you this week: pay attention to one financial decision you make, big or small, and notice the emotions behind it. Are you spending out of joy, fear, habit, or something else? Just the act of noticing can be the first step toward more clarity and confidence with your money. Find the Inspired Money channel on YouTube or listen to Inspired Money in your favorite podcast player. Andy Wang, Host/Producer of Inspired Money

Why This Episode Is a Must-Watch Are you looking to align your investments with your personal values and make a real difference in the world? This episode of Inspired Money looks at sustainable investing, exploring how your portfolio can do more than generate returns. You'll learn how ESG (Environmental, Social, and Governance) factors are transforming global finance, why shareholder advocacy offers leverage for long-term value, and how transparency tools can empower every investor. Whether you're an industry professional or a values-driven investor, this episode delivers actionable insights, practical resources, and forward-thinking strategies to help you invest with impact. This episode of Inspired Money is brought to you by Runnymede Capital Management, where investing is never one-size-fits-all. For over 30 years, we've worked closely with clients like you to understand your goals, objectives, and values. Then we create a customized portfolio designed to align with what matters most to you — whether that's pursuing growth, protecting your wealth, or investing in a way that reflects your principles. If you're ready for a personal, thoughtful approach to managing your money, visit https://www.runnymede.com.   Meet the Expert Panelists Andrew Behar is CEO of As You Sow, the nation's leading nonprofit advancing values-aligned investing through shareholder advocacy on climate, social justice, and corporate accountability. A former entrepreneur and inventor with five patents, he is also the author of The Shareholders Action Guide and a recognized Purposeful-50 changemaker. https://www.asyousow.org Marilyn Waite is Managing Director of the Climate Finance Fund, leading efforts to accelerate the transition to a climate-friendly economy by aligning capital with low-carbon solutions. With experience spanning four continents in clean energy, climate finance, and sustainable investment, she is the author of Sustainability at Work and a widely published voice on climate and economic policy. https://marilynwaite.com Jennifer Coombs is Head of Content & Development at US SIF: The Sustainable Investment Forum, and creator of the Chartered SRI Counselor (CSRIC) designation, the first U.S. professional credential in sustainable investing. A two-time TEDx speaker and recognized 40 Under 40 honoree, she is a leading educator, writer, and advocate for integrating ESG principles into finance. https://www.ussif.org Ioannis Ioannou is an Associate Professor of Strategy and Entrepreneurship at London Business School and a globally recognized expert on corporate sustainability and responsibility. His award-winning research examines how businesses integrate environmental and social issues into strategy, influencing investors, corporate decision-making, and long-term performance. https://www.ioannou.us Key Highlights: Sustainable Investing Takes Many Forms Andrew Behar breaks down the ecosystem of sustainable investing—from exclusionary screens like avoiding fossil fuels to impact investing that targets measurable social outcomes. With data-driven advocacy and shareholder engagement, investors can leverage their portfolios for real change. As Andrew puts it, "Your money...really defines the future." Global Momentum and Regional Nuance Marilyn Waite underscores that sustainable investing has gone mainstream across the globe, now representing over one-third of global assets under management. She emphasizes the leadership of the Global South in setting new standards, showing that sustainable finance is both a fiduciary and a competitive imperative. "There's no stopping this because it just makes good sense, it makes fiduciary sense, and it makes return sense," Marilyn notes. Measuring and Managing Impact in a Noisy Data WorldJennifer Coombs highlights the evolution and pitfalls of ESG data, explaining how investors can move past simple ratings to uncover genuine impact. Transparent frameworks and practical tools—like As You Sow's InvestYourValues platform—empower investors to know exactly what they own and avoid greenwashing. Corporate Accountability and the Power of NarrativeIoannis Ioannou shares how ESG outperformance research is nuanced—successful sustainable companies embed responsibility in strategy, not just reporting. He calls for a "positive narrative" that unites all stakeholders: "Transparency is necessary but not sufficient. We need to align corporate action with a system that works within its limits—and tell a compelling, evidence-based story." Call-to-Action Let's inspire you with one action item to move the needle this week: take a moment to review your own portfolio or investment choices and ask yourself, "How well do they align with your personal values?" Even small shifts can make a big impact over time. If you haven't explored sustainable investing before, start by researching one company or fund that prioritizes environmental or social responsibility. Find the Inspired Money channel on YouTube or listen to Inspired Money in your favorite podcast player. Andy Wang, Host/Producer of Inspired Money

Why This Episode Is a Must-Listen Are you looking to build a business that goes beyond ideas and actually creates impact? This episode of Inspired Money explores the realities of entrepreneurship, demystifying the process of turning inspiration into innovation, and then into profit. Our all-star panel peels back the layers on what it really takes to validate concepts, build recognizable brands, secure funding, and achieve sustainable growth. Whether you're an aspiring entrepreneur or a seasoned business leader, you'll come away with actionable insights and fresh motivation. Meet the Expert Panelists Ilana Golan is a serial entrepreneur, investor, and international keynote speaker who founded Leap Academy, one of the fastest-growing private companies in America. A former Israeli Air Force commander and the first woman to train all F‑16 pilots, she has scaled startups to $15M in annual revenue, contributed to a $300M exit, and inspires audiences worldwide with her insights on entrepreneurship, career reinvention and the future of portfolio careers.  James Orsini is the President of Startup Operations at VaynerX, working alongside Gary Vaynerchuk to help grow and scale the company's portfolio of ventures. With decades of executive experience in finance, operations, and agency leadership, he specializes in building systems that transform entrepreneurial ideas into thriving businesses.  Nikki Estes is a serial entrepreneur, co-founder of iCG Pay (acquired by CSG Forte), and CEO of Market Me More, where she helps B2B and tech companies scale through strategic marketing, sales optimization, and technology-driven solutions. As the founder of Top Voices Unite and a recognized LinkedIn Top Voice, Nikki has built a collaborative platform that amplifies thought leaders, fosters high-impact partnerships, and inspires professionals to grow and lead with purpose.  Key Highlights Early Validation Is Everything Ilana Golan reveals why quickly testing ideas and embracing direct customer feedback is essential for success. Sharing a personal story, she emphasizes, "You want to create an MVP, but don't get attached—write it in pencil because you might need to erase it and pivot based on what your customers actually want." Personal and Business Brands Belong Together Nikki Estes and Ilana both highlight the increasing importance of building a strong, authentic personal brand alongside your business brand, especially in today's digital-first world. Nikki explains her approach: "It's almost necessary for the brand leader to stand up and talk about what they do. People want the voice behind the company."  Funding Wisely: Bootstrap First, Raise Later James Orsini and Nikki both offer practical advice for entrepreneurial finance. "Don't squeeze the baby too tight," James warns, underscoring the value of securing a credit line before giving away equity. Nikki describes how bootstrapping taught her the discipline that later fueled growth. Sometimes self-funding is the best teacher.  Resilience and Purpose Drive Growth Ilana and Nikki discuss how setbacks can plant the seeds for future triumphs, and why purpose is the ultimate secret weapon against burnout. In Ilana's words, "Sometimes your biggest challenges are exactly the fuel that you need… your strongest 'why' will keep you moving forward." Call-to-Action Here's my challenge for you this week: take one concrete step toward your idea. It could be writing out your business model on one page, reaching out to someone in your network for feedback, or even setting aside time to research your market.  Commit to taking just one step. Because the difference between a dream and a business is the action you take today.  Find the Inspired Money channel on YouTube or listen to Inspired Money in your favorite podcast player. Andy Wang, Host/Producer of Inspired Money

Why This Episode Is a Must-Watch Are you rethinking what retirement means? Forget the "end-of-the-road" narrative. Today's retirement is about launching a purposeful, fulfilling new chapter on your own terms. In this episode of Inspired Money, host Andy Wang brings together a expert panel of retirement planning, financial wellness, and lifestyle experts to share actionable strategies for creating a holistic, sustainable, and satisfying retirement. Whether you're decades away from hanging up your hat or already on your early-retirement path, this discussion will challenge how you think about mind, body, and money—and what it really takes to thrive in your next chapter.  Meet the Expert Panelists Christine Benz is Director of Personal Finance and Retirement Planning at Morningstar, where she has helped millions of investors make smarter decisions through her writing, speaking, and podcast, The Long View. She is the author of the forthcoming book How to Retire: 20 Lessons for a Happy, Successful, and Wealthy Retirement, and has been recognized by Barron's as one of the most influential women in finance.  https://www.morningstar.com   Pete Neuwirth, FSA, FCA, is a senior consulting actuary with over 35 years of experience helping Fortune 500 companies design and fund executive and retirement benefit programs. A thought leader in holistic financial wellness, he is the author of What's Your Future Worth? and Money Mountaineering, and continues to consult, write, and speak on retirement, longevity, and decision-making in a complex world.  https://neuwirthassociates.consulting  Jason Vitug is a bestselling author, wellness advisor, and storyteller who empowers people to live with purpose, financial confidence, and emotional well-being. As the author of You Only Live Once and Happy Money Happy Life, and founder of Phroogal and The Smile Lifestyle, he blends personal finance, travel, mindfulness, and self-development to inspire holistic living.  http://phroogal.com  Jordan Grumet, MD is a hospice physician, personal finance educator, and host of the acclaimed Earn & Invest podcast, where he explores the intersection of money, purpose, and meaning. He is the author of "Taking Stock: A Hospice Doctor's Advice on Financial Independence, Building Wealth, and Living a Regret-Free Life" and "The Purpose Code," blending his unique medical and financial perspectives to inspire intentional living.  https://jordangrumet.com Key Highlights: Social Wellness: The Overlooked Retirement Strategy Christine Benz emphasizes that while most people obsess over the money piece, "relationships and social connections are a very underrated component of life satisfaction and happiness." Long before you retire, invest as much in your social life and purpose as you do in your portfolio. The Holistic, Multi-Dimensional Approach Jason Vitug stresses the interconnectedness of mental, emotional, physical, and financial well-being: "If we let go of one area or focus too much on one dimension, that has a negative ripple effect on the others when we neglect them." He urges proactive self-care for a genuinely fulfilling retirement, not just a financially secure one.  Planning for Risk and Flexibility Pete Neuwirth reveals that successful retirement involves more than numbers: "It's really all about managing the risks in the decumulation in the retirement phase, including sequence of returns, but also longevity, spike expense and other things like taxes." He recommends home equity and part-time work as often-underused "buffer" assets.  Emotional Preparedness: Redefining Identity Post-Career Jordan Grumet and Christine highlight the emotional side: retirees often struggle with identity and purpose once their work routines and roles fall away. Jordan suggests revisiting childhood passions. Christine recommends testing meaningful activities in advance so retirement transitions are smoother and more joyful. Call-to-Action Here's your one thing you should do this week: Take 20 minutes to write down your vision for retirement... not just the numbers, but the life. What does a meaningful day look like? Who are you with? What are you doing? Then ask: What small step can I take now to start living that vision today? Then reverse engineer that back to your finances.  Find the Inspired Money channel on YouTube or listen to Inspired Money in your favorite podcast player. Andy Wang, Host/Producer of Inspired Money