This is an encore episode from David Woods Bartley on his personal journey in dealing with depression, attempted suicide and mental health issues. With May being Mental Health Awareness month, it seemed appropriate for your hosts, Matthew Grishman and Jim Gebhardt to pull one of the great episodes from the archives on mental health as it continues to get significant interest.

You'll hear poignant personal stories into the crucial role mental health plays across various age groups. They'll touch on the troubling rise in teen depression and anxiety, and discuss the loneliness epidemic that transcends age, exacerbated by our digital lives. This conversation is a tribute to the progress we've made in openly discussing mental health and a reminder of the power of dialogue, as demonstrated by the inspiring journey of our guest, mental health advocate David Woods Bartley.

David joins us to shed light on the intricate web connecting our financial, interpersonal, and self-relationships. Our narratives reveal the pressing issue of suicide within the military and the transformative potential of empathy and connection. This dialogue is a celebration of the profound impact that being present for others can have, both for their survival and our own well-being.

Call to learn more: 877-283-9150 or email:
Jim@yourfinanciasobriety.com
Matthew@yourfinancialsobrieyt.com
Or visit the website at www.yourfiinancialsobriety.com

Episode 127: Human Connection is the Lifeline to Mental Wellness

Ever wondered how a simple gesture like remembering someone's name can transform a relationship? Join your hosts, Matthew Grishman and Jim Gebhardt as they chat with David Woods Bartley, who shares how name recall can have a profound impact on human connections. Through heartwarming stories, David illustrates the mutual uplift that comes from acts as simple as remembering a pet's name or holding a door open, emphasizing the deep benefits of empathy and thoughtful engagement.

Davis also takes you inside a psychiatric health facility, where the kindness and humanity of medical professionals and loved ones are put on full display. He shares his journey through the facility, highlighting the life-saving power of support networks and how financial stability plays a crucial role in empowering us to serve others better. His personal anecdotes and analogies, like the importance of slowing down to make meaningful connections, provide a fresh perspective on mental health recovery and the role patience and empathy play in it.

Finally, the conversation touches on the mental health crisis and the necessity of self-care, spotlighting the bravery of public figures like Simone Biles and Michael Phelps who prioritize their mental well-being. By setting daily intentions to connect with others, David shows how we can break the isolation that sadness often brings. From handwritten notes to simple texts, we explore the small acts of kindness that foster hope, purpose, and community, setting the stage for future discussions on the intersection of mental health and financial decisions that can be impacted by it.  

To connect with David Woods Bartley:
Ph: 916-247-6389
email: david@davidwoodsbartley.com
Website: www.davidwoodsbartley.com

Call to learn more about Financial Sobriety: 877-283-9150 or email:
Jim@yourfinanciasobriety.com
Matthew@yourfinancialsobrieyt.com
Or visit the website at www.yourfiinancialsobriety.com

Episode 128: How Self Investment and Human Connection Counter Depression and Suicidal Thoughts.

Unlock the secrets to financial stability and emotional fulfillment in this latest episode, where your hosts Jim Gebhardt and Matthew Grishman promise to provide you with actionable insights to master your finances and enrich your life experiences. We start on a high note, celebrating personal victories such as finally perfecting that elusive golf swing with a little help from friends. There's also an uplifting story about Jim's daughter's adventurous cross-country road trip as she embarks on her graduate school journey, bringing a mix of excitement and anticipation into the discussion.

Transitioning to financial planning, get introduced to the innovative "money barrels" framework. Discover how segmenting your retirement funds into different timeframes—now, soon, later, and never—can optimize your portfolio and enhance your financial security. The guys delve into the nitty-gritty details of managing cash flow and assets, emphasizing how the "now" and "never" barrels can contribute to peace of mind and long-term stability, especially for those nearing retirement.

Lastly, see how your hosts tackle the ever-important topic of risk management within investment portfolios. Using cutting-edge tools like Nitrogen software, they'll help you understand your risk tolerance and make informed decisions about your investments.  Our goal is to guide you to protecting the wealth you've worked so hard to build.

Call to learn more about Financial Sobriety: 877-283-9150 or email:
Jim@yourfinanciasobriety.com
Matthew@yourfinancialsobrieyt.com
Or visit the website at www.yourfiinancialsobriety.com

HIGHLIGHT TIMESTAMPS
(03:28 - 04:21) Investment Strategy Recap and Implementation
(07:36 - 08:36) Unlocking Awareness Around Portfolio Design
(16:59 - 18:09) Wealth Preservation and Family Planning
(22:09 - 24:16) Wealth Planning and Financial Security
(33:04 - 34:15) Long-Term Barrel Investment Strategy
(36:58 - 38:59) Financial Planning and the 4% Rule
(45:59 - 47:20) Risk Management With Emotional Measurement
(49:29 - 51:03) Managing Risk Through Financial Allocation

CHAPTER TIMESTAMPS
(00:00) Focus on Gratitude and Excitement
(03:28) Money Barrels Framework for Investments
(11:36) Financial Planning and Wealth Management
(20:29) Financial Planning
(33:44) Constructing the Future Financial Portfolio
(45:14) Understanding and Managing Investment Risk
(50:40) Building Wealth With Financial Sobriety

SHORT CHAPTER SUMMARIES(00:00) Focus on Gratitude and Excitement

Gratitude for sports achievements, excitement for family member's return and cross-country road trip adventures at national parks.

(03:28) Money Barrels Framework for Investments

Retirement funds can be optimized by segmenting investments into different "money barrels" based on timeframe.

(11:36) Financial Planning and Wealth Management

Managing cash flow and assets for financial stability, including liquid reserves and preserving certain assets for long-term security.

(20:29) Financial Planning

Maximize financial resources throughout life, use money intentionally for experiences and loved ones, identify needs for security and fulfillment.

(33:44) Constructing the Future Financial Portfolio

Nature's "barrels" of investment, risk tolerance, time frames, and retirement planning with the 4% rule.

(45:14) Understanding and Managing Investment Risk

Nitrogen's software helps clients understand risk tolerance and adjust 401k allocation, considering market conditions and buffered ETFs.

(50:40) Building Wealth With Financial Sobriety

Approach wealth management from a position of strength, be aware of risks, protect your financial future.

Episode 129: How Money Barrels Support Financial Stability and Lead to Emotional Fulfillment.

Join us on a journey through the world of finance with CSJ Consulting Limited, where integrity, innovation, and client-focused service pave the way to financial independence. Each episode delves into personalized investment strategies, the importance of transparent practices, and the core values that set CSJ Consulting apart. Whether you're a novice investor or seasoned pro, gain expert insights and practical advice to secure your financial future.

How CSJ Consulting Limited can help you take control of your financial future

Join us, your hosts, Matthew Grishman and Jim Gebhardt, for an insightful journey through the various facets of life's milestones and personal growth in this episode. Reflecting on the graduation season, we explore the idea that graduation is not just an end but a midpoint in life's journey, emphasizing the importance of taking time to reflect on accomplishments and future directions.
We then shift our focus to the financial side of things, where Jim recounts an interesting lunch with fellow advisors. This discussion highlights our evolving mindset from competition to collaboration, striving to be the best versions of ourselves. By measuring success through self-improvement and overcoming a fixed mindset, we share practical steps and personal anecdotes to illustrate the broader theme of gradual, consistent growth. We emphasize the significance of small actions and the importance of fostering a growth mindset to better serve our community.
Finally, we close with a realization of the truest sense of graduation in a personal revelation.


Call to learn more about Financial Sobriety: 877-283-9150 or email:
Jim@yourfinanciasobriety.com
Matthew@yourfinancialsobrieyt.com
Or visit the website at www.yourfiinancialsobriety.com

Chapter Summaries
(00:00) Reflections on Graduation Season
Gratitude, family time, graduation season, reflection on accomplishments and future directions.

(10:45) Evolving Beyond Competition and Comparison
Collaborative mindset shift from competition to growth, measuring success by past selves, overcoming fixed mindset, gradual self-improvement.

(19:04) Progress Over Perfection
Nature's "awareness principle" and using tools like the "say no more" list to reduce unhealthy habits and embrace imperfections.

(28:23) The Power of Perspective
Transformative power of growth mindset, personal health crisis, self-sufficiency, financial sobriety journey, patience, and personal development.

Episode 130: Growth Mindset to Graduation Milestones-Putting Perfection Into Perspective.

When co-host Matthew Grishman faced serious health issues, it became clear that healing needed to start from within before he could tackle anything else, be it financial or personal challenges. In this episode, we unpack the intricate connection between self-healing and overcoming life’s hurdles. Drawing from Matthew's own experiences, we explore how toxic relationships, whether with people or money, often mirror our broken relationship with ourselves. We'll share practical tips on how to move forward by focusing on the well-being of others. Patience, grace, and time are critical elements of this journey, and we offer actionable advice to help you get unstuck and grow.

We also dive into the therapeutic benefits of journaling, a simple yet powerful tool to manage anxiety and achieve mental clarity. Inspired by mentors like Tim Adams and Dr. Joan Rosenberg, we discuss how allowing emotions to surface and transferring them to paper can significantly improve your emotional well-being and sleep quality. For parents, we offer valuable insights on making the most of the summer with your children while instilling the principles of financial sobriety. Whether your kids are young or fully grown, maintaining a growth mindset and engaging meaningfully with them can make this season a time of tremendous growth and connection for the entire family.

Call to learn more: 877-283-9150 or email:
Jim@yourfinanciasobriety.com
Matthew@yourfinancialsobrieyt.com

Or visit the website at www.yourfiinancialsobriety.com
(00:00) The Power of Self-Healing and Support
Relationship with oneself is key to healing financial and personal challenges, with a focus on growth mindset and helping others.

(06:30) Journaling for Mental Health
Holding space, deeply listening, and journaling can alleviate anxiety and improve sleep, as advised by mentors Tim Adams and Dr. Joan Rosenberg.

(10:14) Parenting Tips for Summer Success
Graduation season is a time to reflect and engage with our children, maintain a growth mindset, and discuss financial sobriety.

Episode 131: Bonus Track of Tips and Tricks on Getting Mindset in Motion.

Can blaming debt for your financial struggles actually make things worse? This episode challenges Dave Ramsey's anti-debt stance, arguing that it might be causing parents to miss key opportunities for investing in their children's futures. Instead of fostering self-loathing and avoiding accountability, your hosts, Matthew Grishman and Jim Gebhardt advocate for a mindset rooted in self-love and personal responsibility. They believe this shift in thinking could alleviate numerous societal problems and pave the way for more intentional financial decisions.

Dive into the "Five to Thrive" principles, where you'll learn the critical role of effort, preparedness, and accountability. Through personal experiences, like Matthew's support of his son Lucas's unconventional career choice as a gondola operator, they'll highlight the importance of unconditional love and encouraging our children to follow their passions. There's a common belief  that teaching these core values can equip our children to excel in any field they choose, all while finding true happiness and fulfillment.

Finally, the parenting journey takes on a new perspective as Matthew and Jim discuss evolving from protective "cops" to supportive "coaches" and, ultimately, "consultants" as their children grow. They'll underscore the importance of letting children experience failure to build resilience, sharing personal anecdotes that illustrate this challenging yet rewarding transition. This episode also explores how sharing our own mistakes can provide a realistic view of life, fostering open communication and trust. They reflect on their path towards holistic wealth and financial sobriety, contemplating what the future holds for our endeavors. Join them on this engaging exploration of personal growth, family dynamics, and the pursuit of holistic wealth.

Call to learn more about Financial Sobriety: 877-283-9150 or email:
Jim@yourfinanciasobriety.com
Matthew@yourfinancialsobrieyt.com
Or visit the website at www.yourfiinancialsobriety.com

Episode Highlight Timestamps(07:14 - 08:13) Lessons in Raising Four Children
(12:21 - 13:32) Parenting and Acts of Kindness
(17:19 - 18:07) Phases of Parenting
(24:13 - 24:50) Parenting Transition From Cop to Coach
(29:02 - 30:55) Parenting Transition
(32:34 - 33:54) Consulting With Adult Sons on Life
(36:19 - 37:21) Learning From Financial Mistakes

Chapter Summaries(00:00) Debt, Investing, Accountability, and Message
Financial philosophies impact parenting and personal responsibility, with a critique of Dave Ramsey's anti-debt message and emphasis on self-love and accountability.

(03:55) Principles for Success in Life
Five to Thrive principles shape a successful life, emphasizing effort and accountability, and supporting children's happiness and hard work.

(17:46) Parenting Phases
Parenting involves being a cop, then a coach, as children gain independence and learn from small failures.

(24:54) Parenting Consultant Phase and Resilience
Parenting journey through stages, allowing failure and independence, changing advice perception, modeling behavior for trust and communication.

(37:21) Teaching Children About Mistakes and Success
Sharing successes and failures with kids teaches them about growth, vulnerability, and relationships, while our summer curriculum focuses on money, people, and self.

(42:53) The Whole Wealth Journey
Our financial sobriety journey has led to healthier relationships with ourselves, loved ones, and money, setting the stage for holistic wealth.

Episode 132: Graduation Part II - Cops to Coaches to Consultants. Developing Our Children.

How would your life change if your financial decisions truly aligned with your core values? Get ready as we, Matthew Grishman and Jim Gebhardt,  transform your money mindset with the evolution of Financial Sobriety to The Whole Wealth Journey. We share our holistic approach to wealth, focusing on the significance of integrating financial strategies with personal fulfillment and core values. Listen as we reflect on our experiences, highlighting the power of gratitude, meaningful relationships, and the importance of connecting with new people. By finding your 'why,' this episode sets the stage for a life resonant with your true self.

Join us as we reflect on our five and a half-year journey with Financial Sobriety and the evolution of our wealth management practice. We discuss aligning our podcast’s mission with our work, emphasizing the need to concentrate on clients we best serve and enjoy working with. Personal stories of overcoming health challenges and striving for healthier relationships with money, ourselves, and others will inspire you to approach financial decisions with intentionality and clarity. This chapter of our journey aims to guide you towards achieving financial sobriety, enriching both your financial and personal lives.

Finally, we dive into the deeper meaning of financial planning beyond mere monetary gains. Reflecting on our experiences with clients, we emphasize aligning financial choices with personal values and passions. Whether it's investing in your children's future or supporting charitable causes, financial decisions should support your life goals. We also discuss the entrepreneurial mindset and the importance of having a purpose beyond financial success. We'll close with essential insights into planning for both wealth and well-being, encouraging you to join us on the Whole Wealth journey. 

To learn more about The Whole Wealth Journey and how it can apply to you, visit: https://gebhardtgroupinc.com/

Episode Highlight Timestamps
(07:09 - 08:47) Evolution of Financial Sobriety
(12:38 - 13:29) Unique Money Relationship Education
(15:31 - 17:31) Redefining Wealth and Financial Education
(19:58 - 21:23) Wealth as a Journey of Self-Discovery
(22:43 - 23:58) Wealth and Values
(34:35 - 35:37) Elevating the Wealth Conversation
(39:39 - 40:55) Entrepreneurial Mindset Beyond Business
(44:15 - 45:14) Transitioning From Corporate to Independent
(46:19 - 48:55) Entrepreneurial Journey and Self-Discovery
(51:08 - 52:15) Evolving Wealth Journey and Impact

Chapter Summaries
(00:00) Whole Wealth Journey
Rebranding to The Whole Wealth Journey, aligning finances with values, gratitude for health and relationships, finding personal fulfillment.

(07:58) The Path to Financial Alignment
Our journey with Financial Sobriety and wealth management, overcoming health challenges, and achieving intentionality in decisions and relationships.

(14:22) Financial Awakening and Next Steps
Transformative journey of aligning financial life with purpose and values, breaking free from generational habits, nurturing healthy relationships.

(19:58) The Purpose of Wealth Journey
Financial Sobriety leads to self-discovery and purpose, aligning values with plans and leveraging expertise for a richer life.

(26:53) Elevating the Money Conversation
Financial planning should align with personal values and passions, prioritize life goals, and distinguish good debt from bad debt.

(35:37) Entrepreneur Mindset Beyond Money
Successful entrepreneurs may feel empty despite financial success; aligning resources with passion and purpose is crucial.

(44:15) Entrepreneurship, Ownership Culture, and Financial Sobriety
Transition from corporate to entrepreneurship, mental shift, self-responsibility, overcoming scarcity mindset, building a self-reliant team.

(52:43) Planning for Wealth and Well-Being
Join us on the Whole Wealth journey to align your future with core values and intentions for a fulfilling life.

Episode 133: Welcome to The Whole Wealth Journey; Getting More From Your Money Than Just More Money.

Shannen Doherty, a beloved actress, was diagnosed with stage three breast cancer, tragically caught too late for treatment. The day before her passing on July 13, 2024, she finalized her divorce from Kurt Iswarienko, ensuring her assets would be passed to her chosen beneficiaries.

In this episode, David Lenok and guest Shawn Goheen stress the importance of proactive estate planning. 

They discuss:
- The critical timing of Shannen Doherty's divorce, enabling her to secure her assets for her intended heirs;
- Essential strategies for advisors to promote early, comprehensive estate planning;
- The vital role of life insurance in safeguarding a well-rounded estate plan; 
- Navigating complex family dynamics and business ownership in estate planning;
- And more

Resources:

Listen to the latest episodes of Celebrity Estates: https://bit.ly/3N10V10 
Trust and Estates Magazine: https://bit.ly/3XXqoPn 

Connect With David Lenok:

david.lenok@informa.com 
https://www.wealthmanagement.com/ 
LinkedIn: David Lenok: https://bit.ly/DavidLenokLI 
LinkedIn: Informa: https://bit.ly/InformaLI 
LinkedIn: WealthManagement: https://bit.ly/WealthManagementLI 

Connect With Shawn Goheen:

https://goheeninsurance.com/ 
LinkedIn: Shawn Goheen: https://www.linkedin.com/in/shawngoheen/

Celebrity Estates: Shannen Doherty and The Importance of Timely Planning

Listen to my Sunday Money Show podcast (October 27, 2024) as I discussed the latest interest rate decisions made by the Bank of Canada, the upcoming U.S. Federal Reserve interest rate announcement, and more.

Do you have a question about investing? Feel free to call me at 416-332-3863 or email me at allan@allansmall.com  
I am happy to answer your questions on air on my next show.

Interest Rate Decisions - The Sunday Money Show

At CSJ Consulting Limited, we specialize in providing personalized and strategic investment advice to help you reach your financial goals. Our mission is to empower you with the knowledge and confidence to navigate the financial world. We offer transparent and bespoke advisory services tailored to your needs, ensuring your investments are aligned with your aspirations. Trust CSJ Consulting to guide you towards a secure and prosperous future.

Senior Investment Advisor - Allan Small Financial Group with iA Private Wealth Inc. Catch me on CP24, BNN, 680 News, Newstalk 1010 and feel free to call or email me at 416 332 3863, allan@allansmall.com.

'Investing This Week with Allan Small' delivers insights, tips and commentary on current events from an investment perspective, providing practical advice for people looking to invest and navigate changing stock markets. Allan analyzes what’s happening in the news… in the markets… and how the two impact investment decisions. This weekly podcast includes Allan’s biweekly Sunday Money Show with CFRB Newstalk 1010 as well as tips on what investors should be considering over the next 5-10 business days.

After an out-of-control money addiction cost him nearly everything, Matthew Grishman hit rock bottom and was faced with a critical decision: make massive changes to how he was living his life - OR - die broke and alone. 

Matthew chose change. But he also knew he could not make this change on his own. Fortunately Matthew met a man who was willing and able to help him begin a new lifelong journey of making amends with the three most challenging relationships in his life; his relationship with money, his relationship with people, and his relationship with self. 

Financial Sobriety was the path and curriculum Matthew and that man, Jim Gebhardt, (now his business partner and dear friend) developed to help others become much more intentional with those same three complex and interconnected relationships: money, people, and self.  The original Financial Sobriety podcast takes listeners through the steps, sequence and strategies Matthew used to recover and find true wealth. It is designed to help you, the listener, do the same in a very safe, informal, conversational, and somewhat tutorial step by step way. Matthew and Jim share stories and invite guests on to the show to support the success and evolution of this life-saving journey called Financial Sobriety. 

True wealth is about so much more than having a lot of money, or having a lot of stuff - it's about being 100% intentional with your three most intimate and complicated relationships in life: money, people, and self. 

And now, as Financial Sobriety has reached a turning point, a graduation of sorts, The Whole Wealth Journey is born. This is the natural outgrowth of the lessons of Financial Sobriety as you now progress into a fully encompassing process of intentionality and action. This is program for people who want more from their money than just more money. Understanding the processes of Financial Sobriety, it's now time to move on to The Whole Wealth Journey and gaining a key understanding of the people, passions and experiences that mean the most in your life.

You can find the book, "Financial Sobriety" at www.yourfinancialsobriety.com or you can order by tapping the following link: https://www.amazon.com/Financial-Sobriety-Rebuilding-Relationship-Money/dp/171055519X.

You can learn more about the Gebhardt Group, Inc by visiting https://gebhardtgroupinc.com/

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