Finding Financial Fitness

58 Episodes

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DIBS On Your Money FAQ's With Mike Kwong

2025-07-2954:20

Life agent Mike Kwong returns to join Nino Gonzalez and Pei Chen in another insightful discussion about infinite banking. This time, they answer frequently asked questions about the concept to dispel misconceptions, address the skeptics, and share their own financial strategies. Tune in as they further explore how IBC can help level up your wealth-building approach, the importance of long-term consistency over rapid growth, and the best ways to overcome the psychological barriers to financial success.

The Advanced Strategies Of Infinite Banking With Mike Kwong

2025-07-1554:52

Nino Gonzalez and Pei Chen continue to dive deeper into the infinite banking concept with life agent Mike Kwong. In this episode, they go beyond DIBS 3.0 and into the most advanced IBC strategies that could bring your financial security to greater heights. Together, they break down the many benefits of stacking and the importance of being your very own banker. Mike also highlights the high level of resiliency and security of infinite banking, making it one of the best financial strategies out there right now.

Understanding Infinite Banking With Mike Kwong

2025-07-0101:00:16

Infinite banking is a powerful financial strategy that can create long-term financial stability and growth. Combined with velocity banking, you can build a financially secure future with relative ease. Diving deeper into this concept is infinite banking coach and life agent Mike Kwong. Sitting down with Nino Gonzalez and Pei Chen, they talk about its fundamentals, how it works with income stacking, and how it can replace a traditional line of credit. Mike also provides insights into the relationship between cash value and death benefit in an infinite banking concept policy.

High-Income Earners' Guide To Investing & Time Freedom With Lindsay Gittens

2025-04-1543:30

High-income earners often believe traditional financial advice is enough, but what if there's a way to accelerate financial freedom and reclaim your time? In this episode, Nino Gonzalez and Pei Chen welcome Lindsay Gittens, a Boston-based anesthesiologist and single mother, who's flipping the script on wealth building. Lindsay shares her journey from maxing out 401ks to aggressively pursuing alternative investments and achieving financial flexibility far sooner than expected. We dive deep into how she leveraged lines of credit, real estate strategies, and a relentless drive to take a $100,000 pay cut and still maintain her lifestyle while prioritizing time with her kids. Get ready for a candid conversation that challenges conventional wisdom and reveals the power of thinking outside the box, no matter your income bracket.

IBC Across Generations

2025-04-0837:50

In this episode, Nino Gonzalez and Pei Chen sit down with mother-daughter duo Winnie Lau and Emaghea Lau, who are on a mission to transform family finances. Winnie shares her journey as a pioneer of Infinite Banking (IBC) in Canada, while Emaghea reveals how learning financial strategies from age four gave her a major advantage. From raising money-savvy kids to using IBC for lifelong financial freedom, this episode is packed with insights to help you take control of your wealth—no matter your age.Winnie and Emaghea are launching their next CashSmartForLife Course this October—designed specifically to help parents lead their children (ages 3–13) toward lifelong financial success, using a proven money system.If you’re looking to add that extra layer of certainty while raising your children—equipping them with the knowledge and confidence to manage money throughout their lifetime—this course is for you.✨ Curious to learn more and access a special offer?👉 Click here to book a call with Emaghea: https://app.usemotion.com/meet/we-pq59/meeting?d=15

Velocity Banking 20-year Outlay

2025-04-0147:281

Cash flow stacking presents a dynamic approach to wealth accumulation, offering a compelling alternative to traditional investment strategies. In this episode, hosts Nino Gonzalez and Pei Chen delve into the intricacies of cash flow stacking and its potential for fostering long-term financial growth. Building on previous discussions about velocity banking, Nino and Pay illustrate how this method can pave the way for lasting financial security. Through the use of a detailed Excel sheet, they provide a comparative analysis of the accumulation mindset versus the cash flow stacking method, emphasizing the significance of leverage and compound growth. Join Nino and Pay as they analyze the mechanics, sustainability, and enduring advantages of cash flow stacking.

Accounting with Coach Christina

2025-03-2550:17

Stop letting tax planning scare you! Nino Gonzalez and Pei Chen are bringing you the ultimate financial playbook with Coach Christina Conover-Merrill. Christina's journey is proof that anyone can master their finances, no matter where they start. She's ditching the fluff and giving you the straight talk on accounting levels, proactive business management, and the tax strategies that actually work. Want to know how to maximize your investments and avoid those costly financial blunders? Christina's got the insider tips. This isn't just about numbers. It's about building a financial future you control. Get ready to take notes – and take action!

Facing Fear: Breaking Barriers For Success

2025-03-1846:41

Nino Gonzalez and Pei Chen dive into the powerful topic of facing fear. Whether you're tackling new financial goals or embarking on a fitness journey, fear can often hold you back from taking action. Nino and Pei reflect on their own experiences with fear and discuss practical strategies for moving forward. This episode is perfect for anyone who feels stuck or uncertain about how to overcome the barriers standing in the way of success. Tune in for a motivating conversation and actionable insights!

Choosing College Or Exploring Alternatives?

2025-03-1151:08

In this episode, Nino Gonzalez and Pei Chen dive deep into the topic of college alternatives. They explore the value of traditional education versus the growing appeal of alternative paths, such as trade schools and real-world experience. If you're a student, parent, or someone reconsidering the importance of a degree in today's world, this episode offers fresh perspectives on navigating career choices beyond college. Tune in for an engaging discussion that challenges conventional wisdom.

2024 Reflections And Planning For 2025

2025-03-0437:38

Nino Gonzalez and Pei Chen dive into future planning as they reflect on lessons from 2024 and set intentions for 2025. They explore their personal and financial goals, share insights on cutting out distractions, and discuss how to approach the coming year with intensity and focus. Whether you're looking for inspiration on goal setting or ways to refine your future plans, this conversation offers valuable takeaways to help you make the most of the year ahead.

Car Leasing Vs Buying: Which Is Better?

2025-02-2552:45

Nino Gonzalez and Pei Chen discuss the ins and outs of car leasing and its benefits compared to buying a vehicle. They dive deep into the advantages of leasing, how it can save you money, and the common pitfalls people face when making this significant financial decision. Whether you're a business owner or an individual, this episode provides insights into maximizing your car investment. Tune in as they explore leasing strategies, negotiation tips, and how to make smart choices for your next vehicle purchase.

Pei’s Journey With Ozempic: Overcoming Challenges And Embracing Wellness

2025-02-1834:25

Nino Gonzalez and Pei Chen dive into a powerful conversation about Pei's journey with Ozempic, a medically supervised weight loss program. Pei opens up about her personal experience, sharing the challenges, triumphs, and emotional hurdles she’s faced along the way. Together, they explore the physical and mental impacts of this treatment, offering listeners valuable insights into the real-life effects of Ozempic. Tune in to hear Pei's candid reflections on balancing health, discipline, and life’s obstacles, and find inspiration to take charge of your own wellness journey.

Rethinking Your Financial Future

2025-02-1141:13

Nino Gonzalez and Pei Chen dive deep into the importance of rethinking your financial mindset. They explore how continual reflection on your financial decisions can lead to better outcomes, especially when shifting from traditional saving methods to passive income strategies. Tune in as they discuss personal stories, actionable insights, and the value of re-evaluating both short-term and long-term goals. Whether you're new to investing or looking for ways to enhance your financial plan, this episode offers valuable perspectives on growth and adaptability.

Creating Cash Flow Through Note Investing With Brett Burky

2025-02-0454:01

Nino Gonzalez and Pei Chen are joined by Brett Burky from Paperstac to dive into the world of note investing. Brett shares his expertise on buying and selling mortgage notes, the benefits of partial notes, and how Paperstac simplifies the process for investors. Whether you're new to the concept or looking for ways to maximize your returns, this episode offers practical insights and strategies. Tune in to learn how you can create cash flow through note investing and discover tools to enhance your financial fitness journey.

Sleep: The Secret To Financial And Physical Success

2025-01-2851:35

Is sleep the missing piece in your financial fitness journey? In this insightful episode, Nino Gonzalez and Pei Chen dive into the often-overlooked connection between sleep and success. They explore the science behind sleep, debunk the myth of "I'll sleep when I'm dead," and share practical tips on improving sleep quality to enhance both physical health and financial performance. With personal stories and research insights, they emphasize how getting better rest can boost your productivity, reduce stress, and ultimately help you achieve your financial goals.

Achieving Financial Freedom With Iris Olivas

2025-01-2146:04

Nino Gonzalez and Pei Chen are joined by guest Iris, who shares her inspiring journey toward Financial Freedom. Iris offers a firsthand account of how she achieved financial independence using methods like passive income stacking and private money lending. Whether you're just beginning your financial journey or looking for new strategies to enhance your current approach, this episode provides valuable insights. Tune in to hear real-world experiences, learn actionable steps, and discover the mindset shifts that can propel you toward financial freedom.

Demystifying The Infinite Banking Concept With Mike Kwong

2025-01-1432:53

Nino Gonzalez dives into the innovative concept of infinite banking with special guest Mike Kwong. Together, they explore how the Income Banking system empowers individuals to take control of their finances, combining dynamic cash flow management with secure investment strategies. Mike shares insights from his book and offers actionable advice on how to build wealth and ensure long-term financial growth. Whether you're new to the concept or looking to refine your financial strategies, this episode provides valuable tips to enhance your financial fitness journey.

Unlocking Smart Mortgage Solutions With Luc Larose

2025-01-0742:57

Nino Gonzalez and Pei Chen sit down with mortgage expert Luc Larose to discuss innovative Mortgage Solutions for today’s real estate market. Whether you’re navigating jumbo loans, rental property investments, or trust-based mortgages, Luc’s 25 years of experience at Supreme Lending offers invaluable insights. Tune in to learn about creative financing strategies that can help you achieve your homeownership or investment goals with ease.

Best Mortgage Strategy: Pay It Off Or Not?

2024-12-3143:52

Nino Gonzalez and Pei Chen dive into the emotional and financial factors of creating a smart mortgage strategy. Should you pay off your mortgage early or leverage debt for investment opportunities? They explore the pros and cons of each approach, offering practical insights for homeowners looking to make the best financial decisions. Whether you're seeking peace of mind or maximizing cash flow, this discussion will provide the clarity you need. Tune in to find out which mortgage strategy aligns with your financial goals.

The True Cost Of Homeownership: Buying Vs Renting

2024-12-2440:44

In this episode, Nino Gonzalez and Pei Chen dive into a thoughtful discussion on homeownership and the ongoing debate of whether buying or renting is the better option. With personal insights and real-life examples, they explore the financial implications, emotional attachments, and lifestyle flexibility that come with each choice. If you’ve ever wondered if homeownership is an asset or liability, this episode will challenge conventional wisdom and help you rethink your approach to building wealth and maintaining freedom. Tune in to hear their take on making smart, informed decisions about where you call home.

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