Use the timestamps below to guide you better as a leader or individual:

Mental and emotional benefits of debt-free business. 0:00
- Chris LoCurto and Joel Fortner discuss the mental and emotional benefits of running a debt-free business, including being a leader or team member within a business.
- Joel Fortner asks Chris LoCurto a question about the unintended consequences of debt that they didn't have time to discuss last time.
Following passions while avoiding debt and staying grounded in faith. 2:42
- Joel Fortner asks Chris LoCurto about going after passions while avoiding debt, to which Chris responds that going into debt is never justified and that following one's passions can lead to financial stability if done responsibly.
- Chris shares his personal experience of following his passions while recovering from past mistakes and staying out of debt, demonstrating that it's possible to pursue one's passions without incurring financial harm.
- Chris LoCurto shares a personal story of following God's will despite hating his job, which led to a job opportunity and the chance to turn someone's life around.
- Chris emphasizes the importance of listening to God's will and trusting in His plan, even when it goes against our own desires and circumstances.
The dangers of comparing oneself to others in business. 8:26
- Chris LoCurto emphasizes the importance of focusing on God's will over personal desires when making decisions about business or life in general.
- Joel Fortner expresses frustration with feeling stuck in a competitive business environment and desires to find a way to get ahead.
- Chris LoCurto emphasizes that success is not based on comparing oneself to others, but rather being the best version of oneself.
- He encourages listeners to focus on their own growth and development, rather than comparing themselves to others in their industry.
- LoCurto shares his personal experience of leaving a successful business to pursue his true calling, highlighting the importance of listening to God's guidance and not comparing oneself to others.
Risk management in business and personal finance. 14:57
- Chris LoCurto emphasizes the importance of mitigating risk in business, particularly when it comes to owning everything and having considerably less risk compared to leveraged businesses.
- Joel Fortner asks how business owners and leaders can navigate difficult circumstances, such as encountering financial difficulties, and Chris LoCurto suggests a deeper walk with God may be necessary.
Risk management and profitability in business. 17:36
- Chris LoCurto takes calculated risks and prioritizes the collective intelligence of his team to ensure success.
- He emphasizes the importance of mitigating risk by not having debt and having assets to fall back on in case of business failure.
- Chris LoCurto questions whether he is holding himself back from God's blessings by not surrounding himself with the right people and seeking proper influence in his life.
- Joel Fortner seeks advice on how to get out of debt, which Chris acknowledges will take time and effort.
Paying off debt for business owners. 22:13
- Joel Fortner suggests having six months of operating expenses saved up to keep business afloat in case of unexpected setbacks.
- Chris LoCurto recommends paying off personal debt as fast as possible, even if it means sacrificing business growth, and focusing on debt smallest to largest while continuing to operate the business.
- He advises cutting unnecessary expenses to allocate more funds towards debt repayment, and rolling over payments from smallest debts to the next smallest ones as they are paid off.
Getting out of debt and managing finances. 26:48
- Chris LoCurto recommends talking to God about debt and obediently following His ways to receive blessings and financial guidance.
- By getting rid of debt at home, business owners can take more money out of their business without having to live on a shoestring budget.
Hearing God's voice and understanding His ways through prayer and Scripture. 29:20
- Joel Fortner and Chris LoCurto discuss the difficulty some people face in hearing God, with Joel sharing his own experiences of feeling like he's heard from God, and Chris emphasizing that God's voice may not always come in the form of an audible voice, but rather through His Word.
- Chris LoCurto highlights that if a voice inside one's head is telling them to go against God's ways, it's not God's voice, and that God's Word is a significant means of communication.
- Chris LoCurto emphasizes the importance of spending quality time in God's Word and seeking guidance from God in business decisions.
- Chris advises those struggling to hear from God to prioritize their relationship with Him and seek help from others who have been on a similar spiritual journey.
Managing debt in business partnerships. 33:46
- Joel Fortner and Chris LoCurto discuss the challenges of partnerships, particularly when one partner doesn't agree on the direction of the business.
- Chris LoCurto highlights the difficulty of making decisions in partnerships, as both partners have equal ownership and voting rights.
- Chris LoCurto emphasizes the importance of staying resilient and motivated during the debt-payoff process, highlighting the need for quick wins and tangible progress to keep partners engaged.
- He advises against focusing solely on the highest interest rate debt, suggesting a more utilitarian approach that prioritizes paying off smaller debts first to achieve quick wins and build momentum.
- Chris LoCurto suggests focusing on quick debt wins to build momentum and energy to keep going.
- Joel Fortner asks how to resist the temptation of falling back into debt after achieving debt freedom, and Chris LoCurto acknowledges that even long-term debt freedom is not a guarantee against future debt temptations.
Debt, leadership, and business success. 40:39
- Chris LoCurto advises against taking on debt for business opportunities, sharing personal experiences and insights to help others avoid financial struggles.
- He emphasizes that one's worth is not defined by their business success or debt, but by their character, wisdom, and personal fulfillment.
- Chris LoCurto discusses the importance of solving problems in business, rather than just finding money.
- He promotes his upcoming leadership event, Next Level Leadership Live, which offers practical tools and coaching to help leaders overcome challenges and lead more effectively.
Leading teams and running debt-free businesses. 46:25
- Joel Fortner and Chris LoCurto discuss the importance of leaders unlocking the talents and potential of their team members.
- They emphasize the need for leaders to have the tools to lead well and to kill the leadership Crazy Cycle, with the goal of leading people to success.
- Joel Fortner and Chris LoCurto discuss the importance of challenging one's thinking and being open to learning in order to grow and run a successful debt-free business.

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