Bartelle's Money Talk

Are you ready to rewrite your money story? 💡In this powerful episode of Bartelle's Money Talk, Teresa sits down with Lillian Savoie, author, podcaster, and coach, to talk about women, money, divorce, debt, self-worth, and starting over. Lillian’s story of losing nearly half a million dollars in attorney fees, rebuilding her finances from scratch, and learning the deeper connection between money and self-worth will inspire you to take action.📌 In this episode you’ll learn:Why money struggles are deeply tied to self-worthHow divorce and debt can be a painful reset (but not the end)Why women must connect to their why before chasing a dollar amountHow to recognize if your friendships and environment are holding you backPractical tips for living with joy, saving to live (not just to die), and starting over at any age✨ Resources Mentioned:🌐 Lillian’s Website: AwakenChange.com🎙 Lillian’s Podcast: Awake and Change📖 Book: Fill Your Soul the Feminine Way (Available now)🔔 Subscribe to Bartelle's Money Talk for more encouragement and practical steps toward financial freedom.#WomenAndMoney #MoneyTalk #FinancialFreedom #BartellesMoneyTalk

Do you manage your time well? And what if your time management is secretly costing you money?In this episode of Bartelle's Money Talk, Johnny and Theresa sit down with productivity expert Mark Elwood (GetMoreDone.com), who has spent over 35 years studying how people use their time — collecting over 500,000 hours of workplace data.📌 In this episode you’ll learn:Who manages time better: men or women (the data may surprise you!)Why time poverty is as serious as money problemsThe 4 key differences between how men and women workHow wasted minutes in meetings translate into big money lossesPractical tips to reclaim your time and focus on what really matters💡 Bonus: Mark shares the #1 definition of priority that will change how you write your daily to-do list.✨ Connect with Mark at: GetMoreDone.com✨ Learn more at: BartelsCoaching.com#TimeManagement #Productivity #MoneyTalk #BartellesMoneyTalk

Most couples avoid talking about money because it feels stressful and awkward. But what if the secret to financial peace is simply scheduling the conversation?In this episode of Bartelle's Money Talk, Johnny sits down with Skyler Fleming, host of the Money Talk podcast, to discuss his Budget Meeting Guide—a step-by-step process to help couples (and individuals!) reduce stress, prevent money fights, and take control of their financial future.📌 In this episode you’ll learn:Why monthly, quarterly, and annual money meetings can transform your financesThe surprising truth about tracking income & expensesHow to set up an agenda that keeps you focused (and prevents fights)Simple categories to organize your budget effectivelyTips for both married couples and singles who want accountability🔔 Subscribe to Bartelle's Money Talk for more faith-based financial empowerment and practical tools for your money journey.#MoneyTalk #BartellesMoneyTalk #Budgeting #PersonalFinance #DebtFreeJourney

Do you feel behind in building wealth? Maybe you didn’t start investing in your 20s and now you’re in your 40s or 50s wondering if it’s too late.In this episode of Bartelle's Money Talk, Johnny and Theresa sit down with Mario Sicari, wealth manager and author of The Art of Creating Wealth, to discuss how anyone — no matter their age — can take practical steps toward financial freedom.📌 In this episode you’ll learn:Why it’s never too late to start investing wiselyHow small, consistent steps create long-term wealthMario’s personal story of overcoming financial setbacksWhy mindset and cutting out “noise” is key to financial successThe danger of distractions (social media, consumerism) for Millennials & Gen ZPractical advice for parents guiding their kids financially✨ Resources Mentioned:📖 The Art of Creating Wealth by Mario Sicari – Amazon Bestseller🌐 Mario’s website – BGSCapitalManage.com#WealthBuilding #MoneyTalk #FinancialFreedom #BartellesMoneyTalk

Are you making good money but still feel stuck financially? In this episode of Bartelle's Money Talk, Johnny and Theresa sit down with Derek Kenney, bestselling author of Good Money Revolution and former financial advisor, to reveal a simple, proven system for breaking free from the middle class and building real wealth.Derek shares:How to set powerful, achievable goalsThe truth about lifestyle creep (and how to stop it)Why you must see yourself as the CEO of your moneyThe 5 Steps to the Millionaire Money MapHow to ask for (and get) a real raise — plus side hustle ideasHow to design a wealth strategy that actually worksWhy tying a cause to your cash fuels success📌 Key Moments:0:00 – Intro & Derek’s background1:57 – Why middle-class earners still feel stuck4:20 – Lifestyle creep explained5:42 – The mindset shift: becoming a paid problem solver8:32 – Finding your side hustle sweet spot9:30 – Step 1: Set goals in all areas of life10:58 – Step 2: Identify your income goal11:27 – Step 3: Design a wealth strategy11:57 – Step 4: Develop a giving strategy12:54 – Step 5: Reward yourself for progress15:11 – The #1 struggle people face with wealth building19:56 – Example of a wealth strategy in action23:12 – Inside Good Money Revolution27:35 – Common money misconceptions31:23 – Free resources & where to find Derek

What if you could go from unemployed and broke… to traveling the world as a U.S. diplomat, retiring early, and building generational wealth?In this powerful episode of Bartelle's Money Talk, Theresa Bartelle sits down with Michael Dillard — a man whose journey from poverty to financial success will inspire you to dream bigger and take action.You’ll discover:Michael’s remarkable “accidental diplomat” storyWhy financial literacy is the new currencyThe SAVER Principle — his 5-step blueprint to build wealthHow to balance debt payoff with wealth-buildingPractical tips to reset your finances, even if you’re drowning in debtWhy mindset and vision are as important as money itself📌 Key Moments:0:00 – Welcome & Michael’s background1:26 – Growing up in poverty3:21 – From internship to banking career7:44 – The email that changed everything8:13 – Becoming a U.S. diplomat11:06 – The SAVER blueprint for building wealth20:14 – Financial mindset shifts24:58 – Words for burned-out leaders28:18 – Three words of wisdom for success📖 Michael’s Book: Build Generational Wealth, Retire Early – Available on Amazon🌐 Free Resources & Booking: MichaelDillardSpeaks.com💬 Drop your biggest takeaway from Michael’s story in the comments — we’d love to hear how you’re taking steps toward your own financial freedom!

In this episode of Bartelle's Money Talk, Theresa Bartelle sits down with certified financial planner Monica Kaufman to unpack the truth about money — and why it’s just a tool, not a master.Monica shares powerful, real-life stories and strategies to help you:Break free from generational financial habitsBuild an emergency fund without sabotaging debt payoffUse money strategically to create the life you actually wantEscape the pressure of impressing others and start building wealthUnderstand the difference between income and wealth💡 You’ll learn how to reframe your mindset, create a plan that works for YOU, and take ownership of your financial future.📌 Key Topics Covered:0:00 – Welcome & Monica’s background2:30 – Why 80% of people are financially illiterate6:15 – The danger of living without an emergency fund10:31 – The "fitness rubric" for financial health14:55 – Wealth vs. income: why they’re not the same20:00 – Breaking free from shame and status pressure26:48 – The trap of luxury spending & status symbols33:25 – Balancing debt payoff and emergency savings38:43 – Money as a tool, not a master41:07 – How to work with Monica Kaufman💬 Drop a comment with your biggest takeaway from Monica’s advice.

What if everything you thought you knew about credit card debt was wrong?In this episode of Bartelle's Money Talk, Johnny sits down with Tommy Kilpatrick, a retired teacher, author, and financial truth-teller, who reveals a legal and linguistic twist that could change how you see credit card debt forever.Tommy explains:Why he calls it alleged credit card debtHow banks operate without invoices or promissory notesThe difference between a true credit card and a bank-issued “gift card”How one word could put the burden of proof back on the bankHis step-by-step approach to closing accounts and removing debt from credit reportsThis conversation will challenge your assumptions, open your eyes, and might just save you thousands.📌 FREE Consultation with TommyConnect with Tommy A. Kilpatrick on Facebook and mention this podcast for a free 50-minute consultation and a copy of his book How to Nuke Your Credit Card Debt (regularly $69).🎧 Listen, Share, SubscribeIf this episode challenged your thinking, share it with a friend and subscribe for more financial insights and strategies.

Thinking about buying a franchise? 🤔Before you sign on the dotted line, hear from Max Emma, CEO, franchise owner, and Certified Franchise Executive (CFE), who has helped hundreds of people find the right business to fit their goals.In this episode of Bartelle's Money Talk, Max breaks down:✅ The pros and cons of franchise ownership✅ How to know if franchising is right for you✅ The real costs beyond the franchise fee✅ Financing options like SBA loans✅ Common mistakes new franchisees make—and how to avoid themWhether you’re looking at a home-based business or a million-dollar restaurant, this conversation will help you make a smarter, safer investment.📌 Connect with Max:https://franchisewithmax.com🎧 Subscribe to Bartelle's Money Talk for more insights on building wealth, starting a business, and achieving financial freedom.#Franchise #Franchising #BusinessOwnership #Entrepreneurship #FinancialFreedom #BartellesMoneyTalk

What if you could turn your 9–5 into the fuel for complete financial freedom?In this powerful episode of Bartelle's Money Talk, we sit down with Makeda — tech sales superstar, homesteader, and founder of Seed & Society — who shares how she made over $1M in just four years, paid off her land in cash, and built a 10-acre mortgage-free homestead… all while raising two kids.You’ll hear:How Makeda used her 9–5 as a launchpad for freedom, not a life sentenceWhy she chose mortgage-free living over the “big house” lifestylePractical steps to turn your paycheck into assets instead of debtHow to start homesteading, even if you don’t have 10 acresThe truth about generational wealth, trust funds, and preparing your family for the future💡 This isn’t about fear — it’s about preparation and sovereignty.📌 Connect with MakedaWebsite: SeedAndSociety.comPodcast: Seed & Society PodcastEmail: hello@seedandsociety.com🎧 Listen, Learn, ShareIf this episode inspires you, share it with someone who needs to hear that their 9–5 can be the start of freedom, not the end of it.

In this episode of Bartelle's Money Talk, Johnny sits down with real estate specialist Jesse Sells to discuss a powerful approach to property investing that goes beyond profits. From growing up with humble beginnings to building thousands of units, Jesse shares how his pivotal moment came when he realized the real impact real estate can have on people’s lives.They dive into lessons learned from costly mistakes, the importance of mentorship, and his groundbreaking work in public housing—revitalizing communities while helping residents break free from government dependency through AI-driven job placement and training programs.If you’ve ever wondered how to make money while making a difference, this conversation will inspire you to rethink real estate, wealth, and impact.

In this eye-opening episode, host Theresa Bartelle sits down with Morgan Q. Anderson, EA, CEO of Golden Lion Tax Solutions, to share real-life IRS and tax horror stories you won’t believe. From hidden debts discovered after a spouse’s passing, to embezzlement, to devastating mistakes by trusted professionals—these true stories will make your eyebrows raise and your hair stand on end.Morgan brings 26 years of experience helping individuals and businesses resolve tax debt, audits, and IRS disputes. She not only shares shocking cases but also gives practical, life-saving advice on:✅ Protecting yourself in marriage & business partnerships✅ Avoiding financial manipulation & abuse✅ Safeguarding your business from theft & embezzlement✅ Working with trustworthy tax professionals✅ Recognizing the warning signs before it’s too lateWhether you’re a business owner, a spouse, or simply someone who wants to avoid IRS nightmares, this episode is packed with must-hear wisdom to keep you out of trouble.📌 Connect with Morgan Q. AndersonWebsite: Golden Lion Tax SolutionsLinkedIn: Morgan Q. Anderson📌 Work with Bartelle's Financial CoachingCall for a free consultation: 830-252-0320🔔 Don’t forget to SUBSCRIBE for more episodes on financial empowerment, debt freedom, and business success!#IRS #TaxTips #MoneyTalk #FinancialFreedom #BusinessOwner #TaxDebt #BartelsMoneyTalk

Are you living from profit to profit—or simply hoping your business survives month to month?In this powerful episode of Bartelle's Money Talk, we sit down with Debbie Denight, an experienced bookkeeper and certified Profit First Professional, to reveal what most small business owners never hear: sales alone won’t save your business.🧠 Debbie breaks down how to:Avoid financial ruin (even with high sales)Manage your cash flow with purposeRecognize the signs of profit leakageStop living from panic to panic—and start living from Profit First🔑 Topics include:✅ Why sales - expenses = profit is backwards✅ What is the Profit First method, and how does it work?✅ Why some $6M businesses are still $1M in debt 😳✅ How to avoid bad marketing traps✅ The “5 Core Bank Accounts” every business needs✅ Why your business should be paying your personal taxes✅ What to do if you’re just starting—and don’t have the money yet📘 Mentioned Book: Profit First by Mike Michalowicz💻 Learn more at: https://rightwayprofits.com🛠️ FREE BONUS: Get tips, tools, and Debbie’s DIY Profit First course online!

🚀 Would you take advice from a 19-year-old who’s already made over $4 million in sales for his clients? You should—because Drew Carmichael is the real deal.In this episode of Bartelle's Money Talk, host Theresa Bartelle sits down with teenage entrepreneur Drew Carmichael—founder of The Cultivator, a global digital marketing agency. By age 19, Drew had already launched a profitable Amazon FBA brand, run Shopify stores, and built a thriving e-commerce and lead-gen agency.🎯 Drew opens up about:Turning a school side hustle into a six-figure incomeRecovering from massive failures (like 100 massage guns arriving unannounced)Scaling businesses without a college degreeMarketing tips for small-town businesses and non-product-based servicesThe secret power of lead magnets and organic contentFamily legacy, grit, and why success doesn't wait for permission📌 Whether you're a new entrepreneur or an experienced business owner needing fresh insight—this is a conversation you can’t miss.👉 Need help scaling your business? Visit Drew’s agency: ⁠https://thecultivator.co⁠📲 Follow Drew on Instagram: ⁠@bydrewc⁠📞 Book a FREE consultation with Bartelle's Financial Coaching: 830-252-0320🌐 Learn more: ⁠bartelscoaching.com⁠🔔 Like, Comment, Subscribe, and Share this video with someone building their future!#entrepreneur #youngmillionaire #businesssuccess #ecommerce #marketingtips #bartellesmoneytalk #leadgeneration

In this powerful episode of Bartelle's Money Talk, we sit down with Eric Twiggs, a top executive coach, speaker, and author of The Discipline of Now, to tackle one of the most common enemies of financial progress and personal growth—procrastination.🧠 What makes us delay the very things we know we should be doing?💼 How does procrastination sabotage our income, businesses, and confidence?📈 And what practical steps can we take to overcome it?Eric shares from his experience coaching over 28,000 sessions and offers a five-step plan using his Procrastination Prevention Pyramid, which includes:✅ Shifting your attitude and mindset✅ Becoming aware of your productivity patterns✅ Learning to schedule non-negotiable appointments with yourself✅ Breaking through perfectionism and fear✅ Building a life centered around clarity, confidence, and consistency🔍 Highlights:00:00 – Intro to Eric Twiggs02:00 – The difference between good vs. great04:00 – The first step: Winning the battle of your mind07:00 – Who should you not share your goals with?10:00 – How procrastination affects your finances11:30 – The "appointment with yourself" trick14:00 – Do you need a coach to break free?20:00 – Eric’s 3 Nuggets to Beat Procrastination🎯 Connect with Eric Twiggs:📘 Book: The Discipline of Now – Available on Amazon🌐 Website: https://ericmtwiggs.com📧 Email: Eric@EricMTwiggs.com