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Welcome to "First Sip," the podcast that fills your cup with curious conversations around ways to improve your personal & professional lives. I'm Dekimbe Smith, your host, and each week I dive into different topics that sparks the curiosity of the "Average Joe" that wants more.
Whether you're looking for tips on getting your life together, or strategies for building wealth, First Sip has something for you. So grab your drink, press play, and as always... enjoy your first sip!
143 Episodes
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Starting a business sounds exciting until you hit the weeks that nobody warns you about. The slow weeks. The weeks that test your confidence. The moments you wonder if you made the right choice. In this episode I sit down with David Colon to talk through the real side of entrepreneurship and the lessons we both learned the hard way. David built his career in the tax industry from the ground up. He has seen people rise fast, quit early, lose momentum, or finally break through. This conversati...
This episode started with a simple question that’s been sitting in the back of everyone’s mind lately...if prices are falling almost everywhere, why does it only feel harder to live your regular life? Groceries are still high. Gas is still high. Bills feel heavier. Yet stocks are sliding, Bitcoin wiped out almost a year of gains, collectibles are selling off, and foreclosures are climbing again. On paper it looks like a cooling economy, but in real life it feels nothing like relief. So I wa...
People are talking about this new idea for a 50 Year Mortgage. Lower payments, easier entry and a chance to finally grab the home you’ve been staring at for years... at least that’s how it’s being sold. In this week’s episode of the First Sip Podcast, I’m breaking down what a 50 year mortgage really means for buyers today. It sounds like a shortcut in a market where rates are high, prices are annoying, and inventory is non-existent. But once you look at the long term cost, the impact on inter...
Every year, as soon as Thanksgiving ends, the sales start rolling in. Black Friday, Cyber Monday, Christmas discounts, and before we know it, our credit cards are maxed out again. In this week’s episode of the First Sip Podcast, I’m diving into why we fall into the same overspending trap every holiday season and how to break the cycle for good. From the psychology of gift-giving to the pressure to show love through money, this episode goes deep into the emotional and financial habits that ke...
They’re calling it the “Big Beautiful Bill,” and it could change how much money hits your paycheck. In this episode, David Colon breaks down what’s inside Trump’s new tax plan, and what it means for small business owners, and employees heading into 2026. You’ll learn: How the new tax law could affect your take-home payWhat to know about overtime, bonuses, and deductionsWhy some people could pay less now but more laterIf you’ve been wondering how these tax updates will actually impact your rea...
A few years ago, I thought success meant hitting big goals — closing more deals, making more money, buying that first property. But once I got there, it didn’t feel like “arrival". I realized the finish line keeps moving…and maybe it was never real in the first place. In this episode, I unpack what that realization taught me, and why so many of us in our 20s and 30s get stuck chasing the next milestone without ever feeling satisfied. You’ll hear: - The moment I realized success isn’t a singl...
What did you think about this episode? -------------------------------- 🏡 Ready to take the next steps towards your future home? I'm here to help! Call or Text: 267-715-9872 Email: dekimbeconnects@gmail.com Connect With Me Online: YouTube Instagram Facebook LinkedIn Follow the Podcast: Instagram For podcast sponsorship & advertising opportunities please contact: dekimbeconnects@gmail.com
Watch the full episode on YouTube The latest jobs report changed everything. With job growth weaker than expected and revised numbers showing major cracks, the Fed looks set to cut rates this month, so what does that mean for us? In this episode, I break down: • Why the jobs market is weaker than we thought • How Fed rate cuts could shape the rest of 2025 • Why mortgage rates dropped to the low 6s • The surge in refinance and buyer demand • What this means if you’re planning to buy or refina...
Watch the full episode on YouTube What’s the key to building a 20-year real estate career? In this episode, I sat down with a seasoned Philadelphia Broker who shares how networking, mindset, and discipline helped him stay in the game. Earnest Key is a real estate professional with over two decades of experience and the owner of a Philadelphia-based brokerage, Key Legacy Realty. He’s built his business by staying focused, staying curious, and learning how to pivot, no matter what the market lo...
Watch the full episode on YouTube Is your “hustle” draining more life than it’s giving you? In this episode, I’m breaking down 5 simple habits that completely shifted my energy, focus, and even my finances. I used to wake up feeling drained, foggy, and wondering why I couldn’t stay consistent. But once I locked into these routines, everything started compounding. Better health, better work, more money. If you’ve been trying to get back on track and want to feel more locked in, this one’...
Watch the full episode on YouTube! Are home prices, mortgage rates, and income out of sync? In this episode, I break down Realtor.com's latest housing affordability report and what the 30% rule means in 2025. From Los Angeles to Philadelphia, I went over where homeowners still have a fighting chance, and what the government is doing to help. If you're feeling priced out or planning to buy, this one's for you. Subscribe to the newsletter, First Sip Weekly - for show updates, and weekly break...
Federal Reserve news... rate cuts... mortgages... credit cards. In this episode we tackle the big question: Why isn’t the Fed cutting interest rates yet, and how does that choice hit your wallet right now? Subscribe to the newsletter, First Sip Weekly - for show updates, and weekly breakdowns that turn complex economic news into realistic moves you can make today! Chapters: 00:00 Federal Reserve's Decision on Interest Rates 02:46 Impact of Tariffs on the Economy 05:59 Consumer Confidence and ...
Trump wants a massive rate cut, but will the Fed actually do it? In this episode, I break down the 2025 interest rate debate, why Trump is pressing Powell, and what it all means for your money. Chapters 00:00 The Fed's Dilemma: Interest Rates and Economic Growth 02:57 Trump vs. Powell: The Political Pressure on the Fed 05:53 The Impact of Rate Cuts on the Economy 08:58 Navigating Financial Decisions in Uncertain Times What did you think about this episode? ----------------------...
Is the housing market finally turning in 2025? Welcome back Family! This week I’m answering that question as I break down what the latest real estate data actually means for renters and first-time buyers, including shifts in home prices, inventory trends, and whether this could be the moment you’ve been waiting for. We’ll explore the root causes of today’s frustrating market conditions, what recent changes say about where things are headed, and what you should really focus on before dec...
Not sure which of your skills to lean into? You’re not alone. This episode is for the multi-talented but directionless. In this episode, I talked about what it feels like to have a bunch of ideas or talents but still no clear plan. I break down how to stop overthinking, pick something to test, and start moving forward with confidence, even if you’re not 100% sure it’s the right move. You'll eventually realize that it isn’t about having it all figured out. It’s about using what you alrea...
Student loan debt, wage garnishment, tax refund seizures... What happens now that student loan collections are back in full force? In this episode, I break down how student loan debt ballooned to over $1.6 trillion, why millions of borrowers are at risk today, and the new collection tactics being implemented in 2025. What did you think about this episode? -------------------------------- 🏡 Ready to take the next steps towards your future home? I'm here to help! Call or Text: 267-715-9872 ...
Welcome back family — in this episode, I break down Trump’s renewed push for tariffs and what it could mean for your wallet, mortgage rates, and the overall economy. Prices are rising, rates are swinging, and we’re all trying to figure out what to do next. If you’re preparing to buy a home, invest, or just want to stay informed, this one’s for you. What did you think about this episode? -------------------------------- 🏡 Ready to take the next steps towards your future home? I'm here to help...
In this episode, Isaiah Gaymon and I talk about how trusting yourself, collaborating with the right people, and showing up for your community can open doors both personally and professionally. We get into what it really looks like to pivot careers, and turn your skills into income. What did you think about this episode? -------------------------------- 🏡 Ready to take the next steps towards your future home? I'm here to help! Call or Text: 267-715-9872 Email: dekimbeconnects@gmail.com Co...
Could a trade war lower home prices? In this episode, I broke down how a trade war and recession could impact mortgage rates, home prices, and your financial future. With the economy facing uncertainty, I dive into why consumer confidence is shifting, what it means for the housing market, and how to prepare for potential rate cuts. 00:00 - Could a Trade War Lower Home Prices? 01:20 - Why Mortgage Rates Are Stuck 03:57 - How a Recession Could Impact Home Buyers 05:45 - Will there be a R...
Want to learn how to save money & build wealth? In this episode, I sat down with Certified Financial Planner, Chris Skutnik, to learn about smart ways to save, invest, and stay on track with your money. Chris shared tips on how to make the most of employer matches, why saving regularly matters, and how to stay disciplined with your finances. Chapters 00:00 Starting the Journey: The Importance of Early Investment 10:07 Understanding Personal Finance: Savings vs. Investment Returns 1...
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