WIM Episode 22: Jim Rickards, Best Selling Finance Author

James G. Rickards is an American lawyer, speaker, gold speculator, media commentator, author on matters of finance and precious metals expert. He is the author of Currency Wars: The Making of the Next Global Crisis (2011) and four other books.

His book, Aftermath, is available on Amazon for purchase. It’s already the #1 best seller in the digital currency finance section.

WIM Episode 21: Jomari Peterson, Anti-Predatory Lending

Our guest, Jomari Peterson, describes himself as an extrovert with a strong analytical and research background. As the co-founder for the Quantum Resistant Ledger, he delivered a 10X return leading to a $100 Million+ Valuation.  

Today, he is the founder and CEO of two emerging enterprises: Digital Reserve an online platform that seeks to address the issue of predatory lending by providing a pathway to collateral free loans and Gama Ventures, a Opportunity Zone Fund that focuses on strategic investments that maximize returns and social impact in distressed communities.


WIM Episode 20: Rob Embers, Cybersecurity Expert

Our guest today, Rob Embers, is a cybersecurity expert and technology industry veteran with over 20 years' experience in IT services and sales. He has worked with a company called Dionach since 2012 providing companies with robust cybersecurity procedures and protection. He has been featured as a subject matter expert at security conferences and contributes to leading industry publications and is on the CREST (technical information security market) Advisory Board and has recently been featured on Modern Wall Street, Rogue News and Rich Dad Radio Show.

WIM Episode 18: Desi Wenzel, Self Care Consultant & Coach for Women

Desi Wenzel is a self-care consultant and coach who is passionate about decreasing the onset of burnout, manage stress, and helping individuals work quickly through times of fear and self-doubt. She promotes the emotional well being of high achieving leaders throughout the United States both personally and virtually. And like us all, she has an interesting story to share in relation to money.

WIM Episode 17: Ben Chiarelli, Founder & CEO of Cellibre

Ben is the founder and CEO of Cellibre, a next-generation cellular agriculture company that is ushering in the next great industrial revolution by treating biology as a manufacturing technology, turning cells into specialized, sustainable factories for the manufacture of globally significant products at scale. Ben formally worked with Dr. J Craig Venter and Nobel Laureate Dr. Ham Smith as the Vice President of Corporate Development and Strategy at Synthetic Genomics (SGI) where he was responsible for defining, evolving and implementing SGI's strategy across all of its franchises. Ben joined SGI from Millennium Health, a leading medication solutions company focused on solving the opioid epidemic, where he led the strategy and corporate development efforts. Prior to joining industry, Ben had a nine-year tenure on Wall Street, where he executed over $20 billion in transactions. Ben earned his MBA from Carnegie Mellon University's Tepper School of Business and his B.S. in Mechanical Engineering from Case Western Reserve University. He is also the co-founder of Divitempus Ventures, ConvenCare and the 32/21 Foundation.

Episode Takeaways:

  • You need to get value to build value - this is the fundamental basis of life

  • Ben believes that money is a vehicle to make commerce easier - it helps us define a price and determination of value

  • Value does not always mean how much money you make - it is more about the consumer experience and investing in that

  • Biggest Money Tip: invest in things & diversify your ventures - if you’re young, you should invest in stock market because it’s more volatile, but when you’re older and in retirement, it’s best to invest in less risky ventures. Ben himself does not invest in the stock market - instead, he invests in companies & real estate.

WIM Episode 16: Allison Soares & Lauren Suarez

Ms. Soares is the COO and Tax Partner at Vanst Law. This modern law firm allows attorneys to practice where they want, when they want, and earn more money doing it. Vanst operates virtually, which means clients are served more efficiently, at less cost, and with more flexibility. Vanst's approach drastically cuts down the overhead costs normally spent on office space, paper files, and administration: cost savings that can be passed on to the client through lower billable rates.

As a tax attorney, Ms. Soares resolves personal, small business, and corporate tax problems with the IRS and California state tax authorities. She has represented hundreds of clients before the Internal Revenue Services (IRS), Franchise Tax Board (FTB), Employment Development Department (EDD), and California Department of Tax and Fee Administration (CDTFA). Mѕ. Sоаrеѕ іѕ also аn adjunct рrоfеѕѕоr аt Sаn Diego Stаtе Unіvеrѕіtу. Shе wаѕ nаmеd Bеѕt оf the Bаr by thе San Diego Buѕіnеѕѕ Journal in 2015, 2016 and 2017. She was also named a Top Lawyer by the San Diego Magazine for 2018 and 2019.

Episode Takeaways:

·      Lauren’s definition of money: it’s a double-edged sword of freedom and burden (especially in the tax realm - the more money you make, the more it’s taxed).

·      Their main tip: always disclose your assets – if you have off shore assets that you pay that country’s taxes, you won’t need to pay them in the US, but you do need to disclose.

·      When in doubt about your taxes (if you’re in CA), contact the State of California first.

 

WIM Episode 15: Shawn Owen & Sten Wie, Owner/CEO & COO of Equa Start

Sten Wie is the COO of a recently formed company called EQUA Start. Sten joined the EQUA Start team with the goal of combining his passion for problem solving with technology in order to revolutionize the way agreements are managed. His hope is that by simplifying the creation, and execution of agreements that businesses will achieve greater levels of success by spending more time on their product.

Shawn Owen is the CEO of EQUA Start. As a serial entrepreneur Shawn has learned many lessons on how and why businesses succeed and fail. His conclusion is that organizations fail when agreements between owners, employees, vendors and customers are flawed. As a result, Shawn created EQUA Start, with the goal of empowering business owners with tools to reduce friction and maximize consent between parties.  

Episode Takeaways:

·      Shawn’s definition of money: money has changed over time with education and experience – his definition of money is a subjective belief that is very abstract – it feels like an emotional experience. On another level, it’s tangible, essentially stored value that provides a common ground of how to interact. It’s an energy and belief in that energy – a means, not an end

·      Sten’s definition of money: he has a long history of hating money from being in debt. Now he thinks of it as a promise of liberty and ownership of your time – money allows you to access the lifestyle you desire

·      Shawn’s mindset change: he started with a scarcity mindset, but once he learned more about money and its uses, he started to shift to an abundant mindset. There is a balance though, some scarcity mindset is healthy.

·      Shawn and Sten’s thoughts about the shift in money:

o   Sten: we’re going to continue to see a shift towards more digital and centralized money systems leveraged via the power of mathematics

o   Shawn: he views it more through the accounting/agreement lens – he believes that the velocity of money transfer will increase, with better and cleaner records.

·      Go to www.Equastart.com to check out their business – their goal is to create an ever evolving platform to assist humans in solving each others’ differences in a corporate setting.

WIM Episode 14: Christian Johnson, Venture Capitalist for Minorities

Christian Johnson is the co-founder of MultiPass & MultiPass Ventures. He turned his passions for entrepreneurship & urban innovation into a thriving company that operates and partners with innovation hubs, venture capital firms, accelerators to help companies start, grow and scale.

Johnson is a US Army veteran, former St. Louis police officer, and community leader. Prior to MultiPass he founded Serving with the Badge, a non-profit dedicated to building relationships between police and the community. In 2016, St. Louis Business Journal selected Johnson for the 30 Under 30 Award.

Episode Takeaways:

·      He went from being in the military and spending all his money, to being a police officer in Kansas during the Michael Brown shooting, to being a Venture Capitalist and managing other people’s money, and through that process he has learned so much

·      While he was a police officer, he created the “porchlight project”, which was a program to distribute energy efficient light bulbs to neighborhoods to fight crime

·      He is passionate about helping under privileged, minorities, and women be successful in the startup realm – he’s started legacy building by creating collaborative work spaces

·      His definition of money is a tool to empowerment – he is constantly trying to figure out how he can deploy capital to company founders and make an impact

·      His advice is to invest in different asset classes, i.e. crowd funding, Robinhood app (link), Acorns (link)

·      You can find his company at multitastventures.com and they’re on Facebook and Twitter

WIM Episode 13: Araceli Collazo, Singer/Songwriter & cultural promoter of Mexican-American Decent

Araceli Collazo is an international, independent singer, songwriter, music producer, performer and cultural promoter of Mexican-American decent.

For the past 13 years, she has been Leader, Voice and Founding Member of Paloma Negra, a world music project founded in Sacramento, California (USA) in 2006. She is a Founding Member and Associate of Semilla Creativa Coop, a one-of-a-kind Coop formally and legally established back in 2014 in Monterrey, Mexico. Additionally she is a Certified Holistic Energy Practitioner and Trainer in The Balance Procedure and other healing modalities.

Chronologically, she is the 10th child and survivor of a family of 14, (12 children and two parents). She grew up, was raised and went to school in California in the USA and has lived some seasons between the USA and México. She is married to Visual Artist, Saul Escobedo, and is the mother of two boys in West Los Angeles.

Episode Takeaways:

·      She believes that money is an illusion – it’s both tangible/intangible, objective/subjective. Money is a frequency – we have to align with it and learn to love it on a deeper level

·      When she was younger, she experienced a fear of money because she lacked understanding of how it worked.

·      Once we take personal responsibility and learn more about money, we will start to develop a better relationship with it.

·      Something that you can do today: take a look at what went on in your life and analyze the life you live and try to understand the circumstance – there is always a chance to rewrite your money perspective

·      To find Araceli and her music, search her name, Araceli Collazo, on Instagram, facebook, youtube, and send her a message if you’d like to chat with her!

WIM Episode 12: Michael Cobb, Foreign Real Estate Consultant

At the height of a successful career in the computer industry, Michael Cobb left to pursue more pioneering opportunities in the emerging real estate markets of Latin America. In 1996, he and his business partner formed a company, Exotic Caye International, to provide loans to North Americans purchasing properties in Belize, Honduras, Panama, Costa Rica, Argentina, and throughout the region.

ECI is now a multi-country developer with projects in 5 countries of Latin America, and communities are planned in Ecuador and Chile as well. The model pursued is based on the Del Webb Resort communities in the U.S. with a focus on serving these consumers in multiple countries and geographies in the region.

In his spare time, he speaks at dozens of international conferences annually about offshore real estate finance, development, and ownership.

Learn more by going to www.ecidevelopment.com or by emailing info@ecidevelopment.com, where you can get their consumer guide!

Episode Takeaways:

·      Michael believes that money is trust & confidence – the physical medium is less important

·      Real estate can be a store of wealth, not only just an investment/revenue stream

·      He feels that Central and South America is much like a time machine – it’s in the path of progress, so it’s strategic to invest in real estate in countries that are up and coming

·      Freedom and personal responsibility are two sides of the same coin

·      A few reasons why it’s great to invest in overseas: there’s no big brother to regulate overseas; diversification outside of home country is smart

WIM Episode 11: Joe Ciccolo, Money Laundering Specialist

Joe is the Founder & President of BitAML, a compliance advisory firm exclusively serving the bitcoin and cryptocurrency market. BitAML clients include bitcoin ATM operators, cryptocurrency exchanges, traders and trading platforms, crypto hedge funds, lending platforms, and crypto-cannabis solutions. 

He is a frequent guest speaker at both bitcoin and compliance industry events, and regularly conducts formal training for federal, state, and local law enforcement, as well as traditional retail and investment bankers on both cryptocurrencies and customer onboarding.

Prior to launching BitAML, Joe was a founding member of the AML compliance program of a top 100 U.S.-based online financial institution. He also served as a project manager for a top 20 global bank, where he led several AML audit remediation projects. Before entering the field of AML, Joe held leadership positions across various risk management disciplines.

Joe is a Certified Anti-Money Laundering Specialist (CAMS), Certified Fraud Examiner (CFE), and Anti-Money Laundering Certified Associate (AMLCA). He is a graduate of Northeastern University, College of Criminal Justice.

Check out his website at www.bitAML.com for more info!

WIM Episode 10: Joël Valenzuela, Dash Director living completely off of Crypto

Joel Valenzuela is the Director of Public Outreach for Dash and the Editor of Dash News. Joel is a sound money advocate who made the decision a few years ago to live entirely off of cryptocurrency, starting with Bitcoin and now with Dash. He is one of few Americans who have made the decision to shut their bank account and live completely free of the banking system.

Check out www.dashnews.org for awesome content!

WIM Episode 9: Chuck Williams, Programmer, Inventor, & Radio Host

Chuck Williams, a programmer, cryptocurrency enthusiast and radio show host. Listed as inventor of 2 patents (Shutterfly's Photobook Application, and Level3's Dynamic Prompt System). He also has a long history with visual design and User Experience (UX) oriented strategies and implementations. Relevant to our show, he is a true student of money along with new advancements taking place in the world of cryptocurrency.

Check out Chuck’s Cryptocurrency radio show at https://thecryptoshow.com/

WIM Episode 8: Justin & Megan Longo, Libertarians

We have our first couple to appear on the show - Justin and Megan Longo. Michael met the two of them while living in Denver through a group called Liberty On The Rocks, which Justin co-founded, which is a non-profit libertarian organization designed to educate, connect, and activate liberty enthusiasts around the world. On the show, we explore the ever evolving theme of Austrian Economic, one that many be unfamiliar to many of our listeners.

Search for Liberty on the Rocks in your neighborhood today! https://libertyontherocks.org/

Check out YNAB for all your budgeting needs! https://www.youneedabudget.com/

WIM Episode 7: Tiffony Jacobs, #1 NYT Best Selling Author

Our guest Tiffony Jacobs co-authored the #1 New York Times best selling book " The Freedom Writers Diary." The book has since been turned into a movie portraying her story of overcoming homelessness, and abuse as the character "Brandy." Since the movie Tiffony has graduated from California State University - Long Beach, and trained over 600 educators to use the Diary in their classrooms. She currently speaks to audiences around the world about the resilience in humanity, financial literacy, and college planning.

Tiffony also does public speaking - if you’d like to reach out to her and learn more, her Instagram is: tiffonyj_thefreedomwriter and her email is: tiffony.jacobs@gmail.com!

WIM Episode 6: Ginna Baker, Frugality Professional

In July of this year (2018), Ginna hit a personal milestone: saving 65% of her income toward financial freedom. This after saving only 5-15% for most of the last 10 years. She discusses her journey to economic freedom on our episode, and offers valuable tips and tricks on how to be frugal and live life to the fullest.

You can also check out her journey on her blog, https://frugalkite.com/

Episode Takeways:

-Saving can be a game - there is a dopamine rush you get when you save money. The first time she went to a thrift store she bought a pair of J-Crew jeans for $4 compared to $80 new and that’s the first time she felt the dopamine release

-Try not to get into ‘desperation mode’ - one bad financial decision tends to lead to the next 

-Minimalism - less emotionally and physically you have to carry around

-When the going gets rough, you just have to put your head down and work through it

WIM Episode 5: Mekka Don, Lawyer turned Rapper

Mekka Don is a hip-hop artist, host, attorney, and entrepreneur who MTV says has led the pack in revolutionizing the way Independent artists fund their music production and generate revenue. In 2014, Mekka Don successfully crowdfunded his debut album while raising over 150% of his goal.

In addition to music, Mekka Don is a co-founder of the lifestyle brand, "Pilot Boys," which promotes leadership, global-thinking, and taking control of your own life. The motto: Be You. YOU is Fly. 

Being an attorney helped Mekka Don navigate the business side of the music industry, and as a result he has signed over a dozen music licensing agreements with various companies and networks including: The Ohio State University, ESPN Networks, The Cleveland Browns, BTN, and many more.  

Most recently, Mekka Don's singles "Born to Win" and "Nip and Tuck" have led to national radio and media coverage as well as over a half a million views on social media.
Mekka Don is from Columbus, Ohio but currently lives in New York City.  He is a former Ohio State University football player where he graduated cum laude with a degree in Political Science (c/o 2002) in only three years.  He was also a member of OSU's Homecoming court.  He then went on to get his J.D. from NYU School of Law in 2006. 

Upon graduation, Mekka Don practiced as an attorney in New York at Weil, Gotshal, and Manges before jumping out on his own to pursue his musical and entrepreneurial dreams. His motto is, "Follow Your Heart, But Use Your Brain."   

He's been featured in The New York Daily News, ABA Journal, XXL Magazine, on ESPN, MTV, VH1, Sirius Radio and many more.

Follow Mekka Don on social media: @MekkaDonMusic and @PilotBoys 

WIM Episode 3: Garrett Sutton, Rich Dad Poor Dad Attorney

Garrett Sutton, Esq. is a nationally acclaimed corporate and asset protection attorney, who has written a number of books guiding entrepreneurs and investors. Garrett’s best sellers include: Start Your Own Corporation and Loopholes of Real Estate in Robert Kiyosaki’s Rich Dad Advisor series. Garrett is the founder of Corporate Direct and Sutton Law Center, which since 1988 have provided affordable asset protection and corporate formation and maintenance services for investors around the world. More information is found at: www.corporatedirect.com or by calling 800.600.1760.