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Building your own successful business and creating online income streams is something that so many people across the world are trying to achieve. You may be one of them! Our next guest, David Ralph, is an online business coach and the host of the top-ranked podcast, Join Up Dots. David takes his guests on a journey of discovery, inspired by the words of the late Steve Jobs. David "joins up the dots" of his guests' lives, highlighting their failures and successes (with more than a few laughs in between). Join Up Dots has gained a massive audience in over 160 countries with its fun and quirky style.    Bob delves into David's personal relationship with money as they chat about:  How cold calling taught him the necessary skill he uses today as a podcaster  Growing up without money can program you to be scared to spend even when you do have money  His biggest regret around not understanding when to sell stocks and shares  The fine line between being tight with money and being a spender  Transforming himself from being money-driven to freedom driven  David Says, "An online business doesn't have to be hard, unless it's a Viagra business." Learn more about how David can help you "Join Up Dots" in your life and business. 

Do you want to start your day off on the right foot? Find out what Dr. Lunide Louis suggests is needed to have the best morning routine ever. Dr. Lunide is the creator of the morning routine app, HitSavers, where you can accomplish 9 actionable items in 9 minutes in the morning to hack your day. Dr. Lunide is also the host of the well-known podcast, Best Morning Routine, Ever. Bob and Dr. Lunide discuss: What we do in the first ten minutes of our day sets the tone for the remainder. Creating conscious motivational habits. We have 60,00 thoughts per day and most of those thoughts are copied and pasted from the day before. Interrupting limiting subconscious programming. Shifting from a fixed mind to one of growth. Dr. Lunide Louis offers an innovative approach to personal development that inspires you to change behaviors and get deep into the subconscious mind informing your behaviors since you were a child. Grab a copy of the free ebook: The Power of Habit Can Control Your Destiny, and prepare yourself to get up, dress up, and show up!

It might be hard to believe, but research shows that people who have traveled abroad are happier and healthier than those who've never left their home country. Our next guest, Lisa Niver, is an award-winning travel expert who has explored 101 countries and six continents. You can find her talking travel at KTLA TV, and her "We Said Go Travel" blog, which is read in 235 countries. Lisa's articles have been published in AARP, American Airways, Jewish Journal, Ms. Magazine, Smithsonian Magazine, Teen Vogue, and Wharton Magazine. She is currently writing a book, "Brave(ish): It's All About Perspective, 50 Adventures Before 50," about her most recent travels and challenges.  Bob and Lisa discuss: Doing your homework, planning for the unexpected, and having contingency plans when traveling Trusting your instincts in a foreign country How traveling abroad changes your perspective on life Lisa's favorite "F" word Throwing money at a problem usually leaves you with less money Ready for your next adventure? Let Lisa be your guide. Visit lisaniver.com or wesaidgotravel.com to learn more about her traveling "do's" and "dont's." Check out her "We Said Go Travel" videos on YouTube, with over 1.3 million views, and prepare for an epic journey. @LisaNiver, @WeSaidGoTravel

Many of us feel we have great ideas or goals but don't act on them or fall short when we try.  To show you how to break through and achieve success and awaken your inner action hero, Bob chats with Corporate Action Hero, John Davis. He is an internationally known Keynote Speaker, Comedian, Fight Director, Stuntman, College Professor, and Artistic Director. John has traveled extensively throughout the world, speaking to audiences of all ages and backgrounds in 28 countries, and has had over 4,000 live performances. John has also dedicated himself to entertaining and empowering soldiers overseas in Iraq and Afghanistan.  John speaks with Bob about: Changing the perceived value of yourself Breaking free of old childhood stories and patterns Hacking your mindset to move past fears Creating a secure foundation before taking financial risks To inspire you to set and reach your maximum potential, John has a free gift for our audience. Download his free Five F Workbook, and Awaken Your Inner Action Hero today. Crack the whip for your success and visit Corporate Action Hero to learn more about John. @JDActionHero, @CorporateActionHero

David Strausser is the General Manager of Vision33 (Northeast Region), a podcaster, and contributor for Forbes. He tackles business problems head-on and helps small-medium businesses transform their processes by automating them, maximizing intelligence through digital means, and empowering owners with his podcast, Shark Bite Biz. David chats with Bob about: Becoming an entrepreneur after being flat broke Pushing through his fear and limitations in life and business Creating networking opportunities during the pandemic Looking at your personal finances like a business Whether it's his new coffee business Dead House Coffee or his podcast Shark Bite Biz, David Strausser continues to inspire people to "get back to life." @dstrausser83, @DeadHouseCoffee, @SharkBiteBiz

Our next guest, Art Bell, is a writer and former media executive known for creating, building, and managing successful cable television channels. His memoir, Constant Comedy: How I Started Comedy Central and Lost My Sense of Humor, tells the story of how, while a financial analyst at HBO, he pitched the idea of a 24-hour comedy network that he then helped develop and launch.  Art chats with Bob about: • Developing The Comedy Channel, Now known as Comedy Central & the surprise phone call from Mitzi Shore, owner of The World Famous Comedy Store. • The Difference between an Entrepreneur & Intrapreneur • Understanding your tolerance level when it comes to handling money. • Finding your passion and doing what you love To learn more about Art Bell, visit his website and grab a copy of his award-winning memoir, Constant Comedy. @artbellauthor

Our guest, Chloe Elise, is a Millennial Money Coach, who helps millennials pay off debt, actually get ahead with their finances, & save for big future investments. After paying off $36,000 of debt in 18 months and transforming her life, Chloe decided to show other 20 and 30-somethings how to create that life for themselves too. Chloe's mission is to make finances fun and easy for millennials and show that you can enjoy your young adulthood and still get ahead with money. You don't have to wait until you're 60 to have financial freedom. Bob and Chloe chat about: Having a financial skillset coupled with an empowered mindset Digging for childhood beliefs that self-sabotage financial freedom Recognizing gender bias Becoming a hero with your finances rather than a victim Chloe is an expert in negotiating, gaining confidence around money, and advocates for her clients to optimize their finances instead of sacrificing the things they love. Check out her website, Deeper Than Money or take a listen to her podcast to learn more. @deeper.than.money

Our next guest, Paul Ollinger, is a nationally-touring comedian, writer, and podcaster. After 20 years in digital sales positions for companies like Yahoo! and Facebook, Paul retired" at age 42, only to find himself bored, missing his work friends, and annoying his wife. After three years trying to find himself, he resumed his pursuit of the comedy dream that has taken him all over North America, opening for top comics like Daniel Tosh, Dave Attell, Norm Macdonald, and many more. Bob chats with Paul about: The psychological aspects of retiring early Having money doesn't mean you will be happy forever The pitfalls of comparing your finances to others Monitoring your spending habits Saving lives with philanthropy To learn more about Paul, visit his website or check out his Crazy Money podcast where he explores the connection between money and happiness. To connect with Paul, visit; Facebook: @PaulOllinger, Twitter: @Paul_Ollinger, Instagram: @paul_ollinger,

Renee Horton Ph.D., our guest this week, is a children's book author, a compelling and international inspirational speaker who brings her epic personal story, expertise, and incredible personality to each of her award-winning presentations. Dr. Renee also serves as a NASA Space Launch System (SLS) Quality Engineer at Michoud Assembly Facility (MAF) in New Orleans. She is an advocate for diversity and inclusion in Science, Technology, Engineering, and Mathematics (STEM) and works diligently in the community for STEM education and STEM outreach.  She is also the founder of Unapologetically Being, Inc., a nonprofit for advocacy and mentoring in STEM. Dr. Renee is also the proud mother of three and grandmother of two. Dr. Renee and Bob discuss: Being jobless and homeless at a pivotal time in her life. Accidentally becoming a children's book author. Long term benefit of investing over buying shoes. Jar savings strategy for self-pampering. Keeping it real and being authentic. To learn more about Renee Horton Ph.D., click here, or to buy Dr. Renee's children's books Series, click on Dr. H. Explores the Universe: Mercury to Mars & Jupiter to Uranus. @reneehortonphd, @drhexplores 

Our next guest, Sandra Beck, is an Author, Coach, Speaker, Radio Host, Entrepreneur, and Philanthropist. Sandra, a single mother of two, has created a virtual empire of successful companies entirely staffed, managed, and implemented using a host of virtual assistants and on-line resources. Sandra also strives to make the world a better place for today's and our future's children. Sandra and Bob chat about: Divorce, financial hardship, and the emotional roller coaster ride as a single mom. Changing the focus from "why did this happen" to "what can I do today to get to where I want to be?" Teaching kids the value of money with Mommy Bucks. How reframing her thinking changed her relationship with money. Making a difference in kids' lives with philanthropy. Sandra is the President and Author of Motherhood Incorporated, Author of Blogphoria, and is a powerful voice in the social media arena as a popular Internet Brand Strategist. She also hosts two Radio Shows: Military Mom Talk Radio and Motherhood Talk Radio.

Our next guest, Trudy Goodman, PH.D., is the founding teacher of InsightLA and cofounder of the Institute for Meditation and Psychotherapy. She has taught at universities and retreat centers worldwide for 25 years. She has trained in mindfulness and Zen and is one of the senior Buddhist teachers in the U.S. She holds a graduate degree in developmental psychology from Harvard. And best of all, Trudy is a mother, wife, and grandmother. Bob and Trudy discuss: The need for emotional self-care and mindfulness at a time with so many distractions. How our childhood stories shape our adult beliefs about money Strengthening your inner trust fund Adopting an attitude of cheerful confidence Learn more about Trudy at trudygoodman.com, and to discover more about meditation and mindfulness, visit InsightLA.org Facebook: @therealtrudygoodman, @insightlameditation, Instagram: @trudy_goodman, @insightlameditation, Titter: @trudygoodman, @insightLAYouTube: InsightLA Meditation

After getting out of $30k of debt in 11 months, Diania Merriam, founder of The EconoMe Conference, podcaster & entrepreneur, used her newfound financial freedom to negotiate a remote working arrangement with her employer. She took a 2-month sabbatical to walk 500 miles across northern Spain on the Camino de Santiago, where she was inspired to create her own business. Bob and Diania chat about; FIRE Movement misconceptions, assumptions, and criticisms Why we need F#@k YOU money The difference between being rich versus being wealthy Adjusting your money mindset without feeling you are depriving yourself Increasing your income while decreasing your expenses and investing the gap. Diania is the host of the popular Optimal Finance Daily podcast, where she narrates articles from the best personal finance blogs on the internet. Take your financial literacy up a notch, check out the EconoMe Conference, (an event centered around financial independence and is known as the "Ted Talks" of the FIRE movement) and invest in your financial future. @EconoMeCon, #diania_merriam

Our next guest, Eric D. Brotman, CFP™, is the CEO of BFG Financial Advisors with over 25 years of experience as a trusted advisor. He believes financial literacy is the key to well-being and is the author of multiple books on personal finance, including his latest book, Don’t Retire…Graduate!, and the host of the Don’t Retire…Graduate! podcast. Eric’s approachable and actionable financial advice has been featured in the Wall Street Journal, Forbes.com, Yahoo! Finance, The Baltimore Sun, and others. Bob and Eric talk about - Business relationships versus business transactions. The power of making intentional financial & life choices. The importance of legacy and your impact on the world. The difference between work/life balance and work/life integration. And not waiting until retirement to start living your life! Listen to more of Eric’s advice on his podcast or grab a copy of his book, Don’t Retire...Graduate! @DontRetireGraduate, @brotmanplanning

Dow Janes, Laurie-Anne King and Britt William Baker and team, are a financial education company empowering women+ to get in control of their money. They believe that women+ with money have more choices and louder voices, and they're on a mission to build the financial confidence of women+ around the world. Laurie-Anne is a financial coach and serial entrepreneur who runs two 7-figure companies. As a self-made businesswoman, Laurie-Anne knows what it takes to ensure financial success is possible for anyone.  Britt is a Harvard Business School graduate, expert investor, and money mindset coach. She is on a mission to serve those who have been traditionally left out of the financial world.  Bob and the Dow Janes have an awesome, full conversation about: Being aware of the systemic issues as well as the personal mindset of the individual. Some startling statistics on women+ and finances. Their own-personal financial journeys. The value of looking at the "you now" making decisions that will benefit the "future you."  To learn more about the Dow Janes (and team) or to take part in their free training event, 'Art of Feminine Finance,' visit their website. Facebook: @thedowjanes Instagram: @dow.janes

Tanya Fox, accountant/bookkeeper extraordinaire, quickly realized that entrepreneurship and helping entrepreneurs would be lifelong passions. She currently owns three different businesses and also spends her time speaking and recording her weekly podcast. Bob and Tanya talk about The importance of fun, because if you're not having fun, why are you doing it? Net worth versus self-worth and your investment return on happiness. Is it worth it? Looking into your assumptions. Benefits of family meetings and teaching your children about finances early on. Not being afraid of asking questions and being curious. Catch Tanya as she shares her pearls of wisdom on her podcast FoxTalks Business. @foxtalksbusiness

Our next guest, Roger Edwards is an author, speaker, podcaster, yoga instructor, and marketing professional helping people and businesses with marketing strategies, content, and social media. Roger uses his expertise to guide his clients in designing engaging campaigns. He clocked up many years in the 'big corporate' world as a marketing director for several UK financial services brands before getting out of all that and starting his own consultancy. Bob and Roger talk about: Marketing is more than just advertising products and services. The lack of simple marketing techniques tends to over complicate the marketing process. How setting strategic financial goals is often overlooked as a critical aspect of successful marketing campaigns for businesses. Today's hustle culture can lead to burn out. Finding a balance between work and play as you strive toward your goals helps keep you fit, healthy, and happy. Roger is the host of the popular and award-winning Marketing and Finance Podcast. Grab a copy of his new book Cats, Mats & Marketing Plans and learn how simple marketing doesn't have to be complicated. @roger_edwards

Bethany Bayless is a speaker, podcaster, writer, and professional emcee, known for her unique comedic style and high-energy presentations. She has hosted 50+ conferences and events, including Heroes at Home Events, Military Influencers Conference, The Plutus Awards, and #FinCon18 + #FinCon19. She is also Director of Communications for Heroes at Home. After becoming a first-time mom in the middle of a global pandemic, Bethany shares how she has had to reevaluate her goals, family life, career, and personal finances and explore new income streams. Bethany and Bob discuss the excitement of actually having an emergency fund in place before the emergency! You can catch Bethany on her upbeat podcast #TheMoneyMillhouse, where she and her co-host, Ellie Kay, have enlightening conversations about personal finance. Bethany is in the process of launching her new podcast, Motherhood and Money Show. @bethanybayless, bethanybayless.org

Ahmed Ahmed immigrated to America with his parents when he was one month old. He settled in Riverside, California until he took the call of Hollywood. Ahmed, a stand-up comic, actor, producer, director and Hollywood mogul of sorts, Ahmed Ahmed has stayed busy since taking the entertainment plunge. Ahmed talks with Bob about growing up in the USA as an immigrant family and how life might have turned out differently had his folks decided to stay in rural Egypt. He discusses the feast and famine life of being an entertainer as well as the obstacles of being Middle Eastern in the western world. Some of Ahmed's film and television credits include Iron Man, Executive Decision, You Don't Mess With The Zohan, Roseanne, Weeds, Sullivan and Sons, and many more. When free from the pandemic restrictions, Ahmed tours his stand-up comedy across the US, and internationally. He was also the winner of the first annual Richard Pryor Award for ethnic comedy at the Edinburgh Festival in Scotland. @ahmedcomedy

When a family member dies, they usually decide who gets what assets by leaving a will and a living trust. Without these legal documents that provide clear direction on how our assets, property, and money should be distributed (and to whom) after we die, your estate can be left vulnerable for the courts to decide, which can take years and drain the estate in the process.   Bob chats with Estate and Trust Attorney Nicholas Van Brunt about living trusts and what happens to our assets if we don't have one. He shares some of the scary facts that can occur to your assets if critical estate planning isn't prepared.   Nicholas J. Van Brunt is a partner in the Business Trial Practice Group and is the Team Leader of Sheppard Mullin's Private Wealth Services Team. Nicholas focuses his practice on resolving disputes over trusts, estates, conservatorships, and other fiduciary matters. He is a respected member of the Los Angeles legal community and is known as a pragmatic and effective litigator who seeks to achieve favorable results for his clients. @SheppardMullin   Link To Sheppard Mullin https://www.sheppardmullin.com

As an entrepreneur and business owner for over 20 years, Jason O. Myles has been blessed with a variety of unique experiences ranging from owning an automotive and finance company to building a real estate firm. His ambition and passion for helping people led him into being an educator, motivational speaker, and mentor.   Bob and Jason chat about the skill of having patience while remaining ambitious in driving toward your goals. Jason talks about the benefits of finding mentors and asking questions to help learn from others' financial wisdom. Jason is motivated by the phrase "do today what most people won't, so you can do tomorrow what most people can't.   Jason shares his insights about real estate investing and more on his website; jasonomylesrenetwork.com[EMBED LINK:  https://www.jasonomylesrenetwork.com] and The Real Estate 360 Show[EMBED LINK: https://www.realestate360show.com] And if you have been thinking about real estate investing, take a look at Jason's latest book: When There's Blood On The Streets, a Real Estate Investor's Roadmap to Winning[EMBED LINK: https://amzn.to/2KooZhB].   #therealestatetrainer, @jasonomyles, @re360pro