BetterWealth with Caleb Guilliams

Do you avoid the true cost of something?In today's Better Wealth Breakdown, Dan and I discuss how people avoid the true cost of things specifically in areas of cars and investment properties. Listen as Dan and I walk through the importance of being honest with ALL the costs associated with item such as fee’s, taxes, upfront cost, mileage cost, wear-and-tear, and even evaluating your opportunity cost. Many people will avoid these costs by minimizing and justifying all the reasons costs should or could be lower than they truly are. Whether buying a car or investing be sure that you are completely honest with the TRUE full cost and factor in the costs now and in the future. Don’t fall into cost avoidance syndrome.#BetterWealth📞 Free 15 Minute Clarity Call: https://bttr.ly/ytclarity📕 The And Asset Book: https://bttr.ly/book💸 BetterWealth Quiz: https://bttr.ly/quiz👪 AndAsset.com: https://bttr.ly/andasset🎥 BetterWealth Youtube - https://bttr.ly/bwyoutube🤵🏼 Financial Advisor, Agent or Coach: https://bttr.ly/advisor

There are better ways than a Typical Whole Life contract.In today's Better Wealth Episode, I continue to analyze the different places you can put your money by comparing them to the 11 attributes to the perfect asset. In today’s podcast I evaluate Whole Life Insurance and it may shock you that the Typical Life Insurance is a bad place to have your money. Today I am going to talk about a contract that is not well designed, something I call Typical Life Insurance. Listen as I dive deep and hold the whole life insurance asset up to the 11 attributes of a perfect asset. #BetterWealth📞 Free 15 Minute Clarity Call: https://bttr.ly/ytclarity📕 The And Asset Book: https://bttr.ly/book💸 BetterWealth Quiz: https://bttr.ly/quiz👪 AndAsset.com: https://bttr.ly/andasset🎥 BetterWealth Youtube - https://bttr.ly/bwyoutube🤵🏼 Financial Advisor, Agent or Coach: https://bttr.ly/advisor

Thank you for making this journey of podcasting possible!In today's Better Wealth, I reflect back on the last 100 episodes we have done. It has been incredible to watch the numbers grow and has been encouraging and inspirational. Consistency always changes the game and I am grateful for the team that made that happen and the listeners that are building part of our community making this moment so memorable! Thank you to all of you who have made the Better Wealth Podcast a part of your daily ritual. #BETTERWEALTHFor more information on BetterWealth or the content you hear on the Podcast visit us at www.betterwealth.com/podcast.Episode Links & Resources: Episode #201: How To Become A One Percenter In Your Life with Sam Bakhtair Episode #202: The Bad Debt FrameworkEpisode #204: 12 Key Lessons from Robert Kiyosaki Episode #221: How Consumers Became Savers with the Father of the 401K Ted BennaEpisode #224: The CONS of Overfunded Whole Life InsuranceEpisode #226: Richer Than A Millionaire with Dr. Bill DankoEpisode #227: Better Off DeadEpisode #231: How To Create Your Retirement Income Strategy with Jason SangerEpisode #232: AND Asset ExplainedEpisode #242: How To Address The Rate of Return of the AND AssetEpisode #248: Confronting Dave Ramsey On Why Infinite Banking Is A ScamEpisode #259: Volatility Buffer Strategy Episode #260: Social Security is a Government Sponsored Ponzi SchemeEpisode #274: Covered Asset StrategyEpisode #279: The 11 Attributes Of A Perfect InvestmentsEpisode #287: A Million Plus In An AND AssetEpisode #291: Building Your Following and Leading With Impact with Author Andy WyattEpisode #296: How to Increase Your Personal Financial Literacy with Harry Stout#BetterWealth📞 Free 15 Minute Clarity Call: https://bttr.ly/ytclarity📕 The And Asset Book: https://bttr.ly/book💸 BetterWealth Quiz: https://bttr.ly/quiz👪 AndAsset.com: https://bttr.ly/andasset🎥 BetterWealth Youtube - https://bttr.ly/bwyoutube🤵🏼 Financial Advisor, Agent or Coach: https://bttr.ly/advisor

Many financial tools will give a snapshot of a “perfect” scenario, but at the end of the day real math and a real model will be the most effective way to make real decisions about intentional living. In today's Better Wealth Episode of ‘From the Frontlines’  where Jereme and I discuss another case study and give examples of how we are serving people on the frontlines. In today’s case study we discuss Mr. & Mrs. Smith, a young couple with a young kid in sales who came to work with us and put their finances on the model. Listen as we talk about how this couple handles their household economy with income under 100k, student loan debt, car leases, debt vehicles, risk management, and life events. Listen as Jereme describes how powerful the model is in life events because we are able to bring money on and off the tool. For the Smith family this tool was incredibly impactful in helping them see the potential of the future, hold them accountable to that desired outcome and all while keeping to the math and the model. #BetterWealth📞 Free 15 Minute Clarity Call: https://bttr.ly/ytclarity📕 The And Asset Book: https://bttr.ly/book💸 BetterWealth Quiz: https://bttr.ly/quiz👪 AndAsset.com: https://bttr.ly/andasset🎥 BetterWealth Youtube - https://bttr.ly/bwyoutube🤵🏼 Financial Advisor, Agent or Coach: https://bttr.ly/advisor

Don’t trade your time for money!In today's Better Wealth Episode, I had the pleasure of interviewing Suzanne Ctvrtlik a freelance designer that became a master YouTuber and is now leaving her job because of the money on YouTube. Listen as she shares her story and inspiration behind her career as a YouTuber and the inspiration behind her niche. In little more than two years her YouTube Channel Arvabelle started and in less than a year she now makes enough to quit her job. Besides having a profitable YouTube Channel her channel is dedicated to helping educate people in finance. She has a popular channel inspired by family and friends that are seeking a better financial way. Listen as Suzanne and I talk about YouTube, Content and Money! Suzanne gives some great tips on the basics of money, compounding, optimizing your money, and using money as a tool. Guest Bio: Suzanne Ctvrtlik is the founder of Arvabelle - a YouTube channel focused on personal finance, investing, and basic money skills. Through the YouTube channel, the goal is to provide easily accessible resources that people need to build better financial futures. Suzanne quickly discovered that YouTube was a great way to build an audience, and reach a larger number of people looking for help in their financial journeys. Because of this, Suzanne recently transitioned into pursuing YouTube full time.Guest Links: Check out Suzanne on her YouTube Channel Arvabelle#BetterWealth📞 Free 15 Minute Clarity Call: https://bttr.ly/ytclarity📕 The And Asset Book: https://bttr.ly/book💸 BetterWealth Quiz: https://bttr.ly/quiz👪 AndAsset.com: https://bttr.ly/andasset🎥 BetterWealth Youtube - https://bttr.ly/bwyoutube🤵🏼 Financial Advisor, Agent or Coach: https://bttr.ly/advisor

Your future is not determined by your current set of circumstances.In today's Better Wealth Breakdown, Dan surprises me with a question for today’s episode from John Rawls “If you could roll the dice again and the circumstances of your birth were totally random, what would you choose, your current life or something totally random?” Listen as Dan and I answer this thought question and why it is so important to truly understand the blessings you have regardless of current situations. Dan and I challenge listeners to think less rolling the dice and “doing life over” but rather rolling the dice for a “new tomorrow.” Intentional living is a focus on future living!#BetterWealth📞 Free 15 Minute Clarity Call: https://bttr.ly/ytclarity📕 The And Asset Book: https://bttr.ly/book💸 BetterWealth Quiz: https://bttr.ly/quiz👪 AndAsset.com: https://bttr.ly/andasset🎥 BetterWealth Youtube - https://bttr.ly/bwyoutube🤵🏼 Financial Advisor, Agent or Coach: https://bttr.ly/advisor

It isn’t about the investment because it is more about the investor. In today's Better Wealth Episode, I talk about why or why not you should have real estate part of your portfolio and part of your wealth strategy. In this asset analyzer series I have been walking through different assets and comparing them to the 11 attributes of the perfect asset. Listen as I compare and contrast Real Estate to the 11 attributes. #BetterWealth📞 Free 15 Minute Clarity Call: https://bttr.ly/ytclarity📕 The And Asset Book: https://bttr.ly/book💸 BetterWealth Quiz: https://bttr.ly/quiz👪 AndAsset.com: https://bttr.ly/andasset🎥 BetterWealth Youtube - https://bttr.ly/bwyoutube🤵🏼 Financial Advisor, Agent or Coach: https://bttr.ly/advisor

Regardless of the currency, create value!In today's Better Wealth, I am joined with both Dan Kaminski and Jason Rink as we open up the discussion of cryptocurrency and Bitcoin on our BetterWealth LIVE episode.  We get many people emailing us asking “Should I put my life savings into Bitcoin?” and we are here today to discuss the pros and cons of this asset. Listen as Dan and Jason share their experience in Bitcoin and their thoughts now. We also discuss the importance of having your house taking care of first before you can even think about investing into anything let alone Bitcoin. Regardless of the different thoughts, the different pros and cons here at BetterWealth we still believe that creating value will be the best focus you should have regardless of the currency. #BetterWealth📞 Free 15 Minute Clarity Call: https://bttr.ly/ytclarity📕 The And Asset Book: https://bttr.ly/book💸 BetterWealth Quiz: https://bttr.ly/quiz👪 AndAsset.com: https://bttr.ly/andasset🎥 BetterWealth Youtube - https://bttr.ly/bwyoutube🤵🏼 Financial Advisor, Agent or Coach: https://bttr.ly/advisor

Realize that you can be more intentional in your choices if you understand the implications of the math long term. In today's Better Wealth Episode of ‘From the Frontlines’  where Jereme and I discuss another Mr. & Mrs. Smith case study where we see a family that had been disciplined with their money and got a bit more assurance when looking at the model. Listen as Jereme describes how the model helped facilitate strategies for paying for college in the future so it doesn’t create a hit on their financial future. Jereme shares how the model allowed Mr. & Mrs. Smith find alternative ways to keep their model in balance, pay for college, and retiring Mrs. Smith. The takeaway from this example looks at the management of consumption and savings, and evaluating your efficiencies so money can work for you!#BetterWealth📞 Free 15 Minute Clarity Call: https://bttr.ly/ytclarity📕 The And Asset Book: https://bttr.ly/book💸 BetterWealth Quiz: https://bttr.ly/quiz👪 AndAsset.com: https://bttr.ly/andasset🎥 BetterWealth Youtube - https://bttr.ly/bwyoutube🤵🏼 Financial Advisor, Agent or Coach: https://bttr.ly/advisor

In our country there is a huge deficit of financial education!In today's Better Wealth, I had the privilege of interviewing Harry Stout who has worked over 25 years in the financial services industry all around the world. Harry is also an author of the “Financial Verse Series” which covers topics on money, life savings, annuities, life insurance, and more. Listen as Harry shares his desire for personal finances making it understandable for people of all ages.  Harry discusses with us the importance of financial education as our societies are changing and why people are now realizing how precious money as a resource really is. I ask Harry to explain two most important “Must DO” items from his book 1.) Have A Budget and 2.) Spend To, as well as, two points from his 8 Key Risks being 1.) Longevity Risk and 2.) Mortality Risk. Listen as he shares the reason why these are extremely important to him. I also ask Harry to dive into topics like inflation, adulting, the cost of learning, college tuition, up scaling, striving stage, credit cards, and long term care planning. Harry gives an incredible answer to the legacy question on humility and I am so honored to have had him on our show. Be sure to check out his books! “Financial Verse Series”Guest Bio: Harry N. Stout is a published author and founder of the FinancialVerse organization.  The FinancialVerse books and content are dedicated to improving America’s personal financial literacy. He is an acknowledged senior thought leader in the global financial services business with over two decades experience in all aspects of financial services.  He has held marketing, sales, product innovation, and distribution roles over his successful career.  He has over 25 years of financial services industry experience in the U.S. and abroad, working in Europe, Northern Asia, Africa, New Zealand and Australia. He is a past director of the National Association for Fixed Annuities, the Financial Services Council of Australia, the Insurance Marketplace Standards Association, and the Life Insurance Marketing and Research Association. He has been a governance fellow of the National Association of Corporate Directors. Harry is a nationally known speaker, podcast guest and author covering annuities, life insurance and personal finance. Guest Links: The Financial VerseThe Financial Verse Book Series#BetterWealth📞 Free 15 Minute Clarity Call: https://bttr.ly/ytclarity📕 The And Asset Book: https://bttr.ly/book💸 BetterWealth Quiz: https://bttr.ly/quiz👪 AndAsset.com: https://bttr.ly/andasset🎥 BetterWealth Youtube - https://bttr.ly/bwyoutube🤵🏼 Financial Advisor, Agent or Coach: https://bttr.ly/advisor