BetterWealth with Caleb Guilliams

So many people play small and are afraid of taking big risks!In today's Better Wealth Episode, I have the pleasure of interviewing Joe Sanok, thought leader, productivity researcher, speaker, author, and business owner. Joe shares his story of working in counseling, mental health, a career in a community college, and his journey of discovering his passion project for something bigger and better. In his new upcoming book “Thursday As The New Friday” Joe shares a sneak peak by discussing with me the history of the 40 hour work week, the philosophies & psychology behind productivity, and why companies seeing better success and productivity are those who are changing to more flexible creative scheduling, and working at what they are best by off-shooting tasks. Joe shares with us his daily challenge question that drives his productivity -  “What do I hate in my work week that can be taken off my plate?” Listen as Joe explains his experience and expert data on the impact of podcasting on businesses and the ways he helps companies expand their business by launching their own podcasts.#BETTERWEALTHFor more information on BetterWealth or the content you hear on the Podcast visit us at www.betterwealth.com/podcast.Guest Bio: Joe Sanok is a thought leader, productivity researcher, and speaker. As a TEDx speaker, HarperCollin author, business consultant, and podcaster Joe helps people to slow down to spark more innovation. Joe has the #1 podcast for counselors, The Practice of the Practice Podcast. With interviews with Pat Flynn, John Lee Dumas, and Jaime Masters, Joe is a rising star in the speaking world! Joe is a writer for PsychCentral, has been featured on the Huffington Post, Forbes, GOOD Magazine, Reader's Digest, Entrepreneur on Fire, and Yahoo News. He is author of five books and has been named the Therapist Resource top podcast, consultant, and blogger. Guest Links: Podcast Launch SchoolPractice of the Practice#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

We have over $100 trillion in unfunded liabilities in this country!!!!In today's Better Wealth Breakdown, Dan and I discuss a concept in the book “Managing Foundations and Charitable Trusts” by Roger Silk that Social Security is a Government Sponsored Ponzi Scheme. Listen as Dan and I dive into the history of Social Security, how it was established, the seven reasons why it is like a ponzi scheme, the three reasons why it is different and what the future of social security might look like in the future. Social Security is like a Ponzi Schemes for these 7 components; 1.) great investment for early investors, 2.) it pays existing investors using funds from new investors 3.) Lack of easy transparency 4.) misapplication of investor funds 5.) funds invested with a related party 6.) the related party is unlikely to ever pay the funds back in real terms and 7.) no outside audit. However, it is different for these three reasons 1.) The sponsor, the U.S. government, can and does compel people to pay into it 2.) The sponsor, the U.S. government, has the ability to simply print the money to pay the benefits and finally 3.) The sponsor, the U.S. government, can and does change the rules in the middle of the game. Listen as we discuss the differences of contributions and taxes with social security, unfunded liabilities, how it works for the future.#BETTERWEALTHFor more information on BetterWealth or the content you hear on the Podcast visit us at www.betterwealth.com/podcast.Episode Links & Resources: Managing Foundations and Charitable Trusts by Roger SilkUS Debt Clock.org#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 major problems with retirement planning!In today's Better Wealth Episode, I will be getting into the nuts and bolts of Volatility Buffer, Sequence Risk loss,and the 4% rule. There are a lot of problems in retirement planning and every time you lose a dollar you lose what that dollar could have gotten for you for the rest of your life. Today I will show you how you can use the volatility buffer today to create more certainty in retirement. Join me on our BetterWealth YouTube Channel to watch the visual “Truth Concepts” calculator as I break down different retirement scenarios for cash flow. Watch as even the seemingly “typical retirement” plan will run out of money and then opportunities like volatility buffers that can help you double your retirement cash flow for the future. #BETTERWEALTHFor more information on BetterWealth or the content you hear on the Podcast visit us at www.betterwealth.com/podcast.Episode Links & Resources: Episode #192: Avoiding Retirement Risk with Distribution Expert Wade PfauEpisode #231: How To Create An Income Retirement Strategy with Jason SangerEpisode #254: The 4% Rule and The Sequence of Return Risk#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

Merry Christmas from the BetterWealth Team!In today's Better Wealth Episode, we wish you a very Merry Christmas! I sit down with Mariah and talk about fun family traditions, charity, celebrations for this holiday season and reflect on all the blessings we have had over 2020. In a short episode we just want to say thank you for your love and support and today on Christmas we wish you a time of joy, blessings and intentional living! Merry Christmas and Happy Holidays!#BETTERWEALTHFor more information on BetterWealth or the content you hear on the Podcast visit us at www.betterwealth.com/podcast.#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

You can have zero debt and make over 100k a year and still run out of money in retirement.In today's Better Wealth Episode of From the Frontlines, Jereme and I have been bringing you several episodes where we focus on case study from people who are working with us in our Unlimited Program. In this third episode we discuss the case study of someone making over 100k a year, but after putting their financials on our Model they see they will only make it 6 years into retirement before they run out of all their money. Listen to details of the case study and how Jereme has worked with Mr. & Mrs. Smith through their model and helped them figure out a better way to track their money and get on a real path for them to leave a legacy for their future generations.  #BETTERWEALTHFor more information on BetterWealth or the content you hear on the Podcast visit us at www.betterwealth.com/podcast.#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

Money is attached to every aspect of your life!In today's Better Wealth Episode, I had the pleasure of interviewing Heidi Peters, Owner and President of RDH Insurance advocating as a wealth professional for health care providers in Disability Insurance. Listen to her childhood story of family health struggles which led to the continual struggles with money. Listen as she shares her own experience as a dental hygienist and her career ending injury. Heidi shares with me why “income protection” was life changing and crucial to her future. Listen as Heidi and I break down and dive deep into the process, the contracts, the cost, the insurance and more when it comes to “income protection.” I ask Heidi to discuss the different variables of Disability Insurance, the biggest mistakes people make, and the ways we can have personalized real world conversations around income protection. If you are interested in learning more about Income Protection set up a time with a BetterWealth coach:  www.betterwealth.com/incomeprotection #BETTERWEALTHFor more information on BetterWealth or the content you hear on the Podcast visit us at www.betterwealth.com/podcast.Episode Links & Resources: Episode #227: Better Off Deadwww.betterwealth.com/incomeprotection Guest Bio: Heidi Peters is the Owner and President of RDH Insurance and runs a confident wealth practice for women. Her clients are amazing, smart, women who spend most of their time caring for others and often neglect their own needs.  Finances, however for women have hanged, becoming a priority, but the lack of knowledge and time has created tremendous fear and anxiety.  Women want to be heard and listened to and want someone who understands their challenges.  They want to be guided to financial confidence.  And what’s really amazing is that it doesn’t matter if her clients are a stay at home mom, career woman, or a retiree they all worry:  Will I need to go on a budget? Will I run out of money? And how do I get started? Heidi connects with their story, their fears, their concerns, and shares her own solutions that have changed her life.  Heidi was born into a dry land, farm, family in Montana.  Money was scarce to none, and although it was never discussed, it was always felt.  The stress, shame, burden, was always present.  Heidi wanted something different for her children and for herself.  Taught by a mentor, that money is a tool, just as a hammer is a tool, money can create or it can destroy.  Mastering the use of the tool can lead to a successful life and Heidi wants others to have a space and opportunity to learn and become financially confident in building their own dreams.Guest Links: www.betterwealth.com/incomeprotection RDH Insurance Professionals#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

Motivation & Success come when you can be honest and self aware in the areas of what you are good at, then double down and work hard in those areas. In today's Better Wealth Breakdown, Dan and I discuss a concept from Andrew Grove’s book “High Output Management” about changing the mindset that you are only an employee and begin owning your space, your work, and experiencing explosive growth in your work and life. To increase your effectiveness it will require you to own what you are good at and work hard in that area. Listen as Dan and I discuss two additional books that have been a pivotal foundation to how we view team members we are bringing on and why we are experiencing such great clarity, growth, and impact. For more information on BetterWealth or the content you hear on the Podcast visit us at www.betterwealth.com/podcast.Episode Links & Resources: High Output Management by Andrew GroveExtreme Ownership (How U.S. Navy Seals Lead and Win) by Jocko Willink Who Not How by Dan Sullivan #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

The most important thing you need for investing or saving…. have a clear picture of the end in mind!In today's Better Wealth Episode, I discuss the 4% rule and the sequence risk loss, because I see so many people not have the end in mind when they invest or save.  We should be planning to maximize our future “Retirement” income from the beginning. Focusing now with the end in mind should be creating more certainty and more capital in your retirement. Listen as I share clips from previous podcasts with leading experts Wade Pfau and Jason Sanger on the 4% Rule and Sequence of Return Risk.#BETTERWEALTHFor more information on BetterWealth or the content you hear on the Podcast visit us at www.betterwealth.com/podcast.Episode Links & Resources: Retirement Nest Egg Calculator by VanguardRetirement Researcher - Wade PfauEpisode #192: Avoiding Retirement Risk with Distribution Expert Wade PfauEpisode #231: How To Create An Income Retirement Strategy with Jason Sanger#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

We are making a movie!!!In today's Better Wealth, I am joined by documentary filmmaker Jason Rink who is working with BetterWealth to make the And Asset Documentary, to be released in 2021. In this episode we give some updates on the production, some of the content we plan to put in the film, and share some requests for help from the BetterWealth podcast audience. For more information on BetterWealth or the content you hear on the Podcast visit us at www.betterwealth.com/podcast.#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

Efficiency, Consistency and Accountability in tracking your money can save thousands and maybe millions!In today's Better Wealth Episode of From the Frontlines, Jereme and I are bringing you several episodes where we focus on case study from people who are working with us in our Unlimited Program. In this second episode we discuss how Jereme was able to use our Unlimited Model to help these clients find $2.5 million they didn’t know they had.  Here at BetterWealth our Model is a mathematical tool based on a cash flow ratio model by breaking down your household economy and looking at consumption and savings. We use the model as an accountability instrument using data over the course of time so we aren’t missing out on the financial assurance. For more information on BetterWealth or the content you hear on the Podcast visit us at www.betterwealth.com/podcast.#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