21 minutes | Feb 23, 2021
EP. 52: Rick Sapio Interviews Max Borges
BFS Founder Rick Sapio interviews Max Borges, an entrepreneur who in 2002 founded the Max Borges Agency - a tech-focused public relations firm. In this episode, Rick and Max discuss how Max took his agency from an "AFM" or "Anything For Money" mindset to a mindset of optimism without limitation. This optimism has led Max to countless opportunities both personal and professional that have given him more success than he had ever dreamed of. Through the years he has accumulated bits of wisdom that serve him each and every day. By studying the habits of business and strategy icons, he built his agency to more than 50 employees and $10 million a year in revenue.
19 minutes | Feb 16, 2021
Ep. 51 Creating A Life By Design
Do you want a life by design, designed by you? Or, do you want a life by default? We need to design our lives with the long-term in mind and live into them. When we feel like we are not in control of our lives, we can develop anxiety or depression. By following the advice Rick and Teresa give in this episode, you will learn to take back control of your life and increase your life’s fulfillment. Take responsibility and plan out your desires and plans relevant to what you want in life.
14 minutes | Feb 9, 2021
Ep. 50: Treat Money Like It's Sacred
When is the last time you took an inventory of all of your finances? You should always be aware of what percentage of your money is at risk. We see it all the time, people aren’t as financially educated as they should be. We are taught that you must take risks in order to grow your wealth, when in fact- the opposite is true. Be aware of your situation. Make decisions based on what you know, not just what you’re told. It’s also good to have someone who agrees with this money mindset hold you accountable to informed decisions. Treat your money and finances as if they are sacred!
26 minutes | Jan 26, 2021
Ep. 49: Creating vs. Consuming
We are seeing that there is a great divide happening in our society. This divide is NOT between right and left, or sleep and awake, but between those who consume and those who create. While absorbing information is important for growth, you also need to use what you learn to create and share with others. Ask yourself: What’s the ratio of time that you consume versus the time you create on a daily basis? Unfortunately, many of us spend our time reacting to the things that happen around us instead of using our energy to create. Start your day with creating something. You can change your life, step by step.
37 minutes | Jan 19, 2021
Ep. 48: The Core Mindset of Success
This week we're talking about The Core Mindset of Success! All of us are busy, but few people are as busy as Joshua Boswell, owner of CopyWriter Marketer. In addition to having two successful businesses, he has 11 kids, aged 6-25 who he and his wife homeschool! Wow! We can learn a ton from Joshua about how to be focused and effective at work while being focused and effective at home. In today's episode, you'll hear Joshua and Rick discuss the "Zero Failure Belief Structure," as well as his strategies for having a successful MINDSET at your core each day. Joshua also includes two free gifts: His course - How to Persuade Anyone to Do Anything… Without Manipulating Them, and his Daily Success Routine Template that you can download here: https://copywritermarketer.com/rick
21 minutes | Jan 12, 2021
Ep. 47: Repositioning Debt to Serve You
Imagine you could pay off your mortgage or your consumer debt in 1/2 to 1/3 of the time. Would it allow you to expand your business quicker? Retire sooner? Travel more? Or simply, sleep better at night? In today's podcast, Teresa Kuhn and Kristin Colca share with you how to do just that by using the cash value inside your whole life policy, without having to alter your lifestyle or refinance your home. Start 2021 with a plan for paying off debt quicker and building wealth faster! Contact us today to learn how we can help! Visit www.100YearSavings.com for more.
5 minutes | Dec 22, 2020
Ep. 46: Remembering & Creating
The BFS Remembering and Creating Exercise has helped thousands of people over the past several years transition into a new year with a clear vision for achieving their goals. This quick, 2-page exercise is the BEST exercise to have with your team or your family. Reflect on what you have accomplished over the past year, and start planning on what you want to tackle in 2021. Take 30 minutes, fill out the worksheet, and be prepared to build 2021 bigger and better than ever before! Download the exercise at www.RememberCreate.com
9 minutes | Dec 15, 2020
Ep. 45: Faith, Gratitude, & Abundance
We all have a choice when we wake up in the morning- What kind of day am I going to have today? Choose your day now. In this episode of the BFS Podcast, Rick talks about the importance of having Faith, Gratitude, and Abundance as conscious influences on your daily mindset. Don't let outside influences, like the media, bring you down. Learn to have gratitude, not resentment. Resentment is like preparing poison for someone else, but drinking it yourself and waiting for the other person to die. Recognize the difference between the two, be more appreciative, and create the life you want.
20 minutes | Dec 7, 2020
Ep. 44: Dating, Values & Finances
Money is an opportunity in a relationship. When couples work together toward a common vision, they can do anything. In this episode, Teresa interviews Rick on how to manage yourself in the world of dating when it comes to money and finances. Put a tremendous amount of thought into the type of person you want to be in a relationship with. What are their values exactly? How do they spend and save money? Create a list of values that you want in a souse, and don’t compromise! If you want it bad enough, the universe will conspire to bring that person to you.
14 minutes | Nov 17, 2020
Ep. 43: 2020 Election: What Do I Do Now?
Is Joe Biden going to be sworn in as our 46th President? Will Trump uncover massive fraud and step back into power? Will Stefano Standoza get elected to the District 7 school board? Wait! Stop! Who is Stefano Standoza? The answer is: Who the hell cares who Stefano Standoza is?! Over 2,000 years ago, in ancient Rome, the leaders realized that if they could keep the citizenry focused on politics, theatre, food, alcohol, news, and distractions, then they could take advantage of everyone. The leaders further realized that a distracted, preoccupied human being is a better, tax-paying slave to the system. Has anything changed in 2,000 years? Imagine how insane we have become as a society, that we have accepted general mass-incarceration of our time and our children’s time. Billions of people around the globe are glued to screens and getting sucked into things that have one objective behind them: To make us lazy, stupid, scared, insecure, and dependent on those “superior beings” that are in charge of us sheep. When do you think that we will wake up as a society? Martin Luther King once borrowed a line and said, “If I knew the world was ending tomorrow, I would still plant an apple tree today!” What is your apple tree? Remember that there is a massive bifurcation happening in the world right now. 95% or more of the population chooses to focus on F.R.S., which means Fear, Resentment, and Scarcity; and a much smaller percentage of the population, less than 5%, chooses to focus on F.G.A., which stands for Faith, Gratitude, and Abundance. All the emotional rhetoric flying back and forth around the election is doing nothing for anyone, except setting us back. So…the truth is: No matter who our next President is, the world will be better off with all of our apples, which are the fruit of our collective purpose in action.
23 minutes | Nov 9, 2020
Ep. 42: Financial Planning for Your Parents
This month we discuss how to start a conversation with your parents to make sure that they are financially set for the future, and how to prepare if you may need to help them financially. This includes: Making sure that they have completed their will, trust, medical and financial directives, and other estate planning documents. Asking them what they would like to have happen if they have a serious health issue. Preparing financially for chronic or critical illness. This can be a difficult topic to approach with your parents, so we also discuss ways to make the conversation easier for both of you.
16 minutes | Oct 26, 2020
Ep. 41: Eliminate. Delegate. Automate.
These days, our lives are filled to the brim and overflowing with stress, anxiety, and distractions. How can you become radically more productive? How can you simplify your life to cut out the chaos? In this episode, we talk through embracing thes philosophy of eliminating the unnecessary in order to be fully alive and on purpose. On a daily basis, start keeping track of every chore or task that you do. Then ask yourself three questions: Should I eliminate this? Who can I delegate this to? How can I automate this so that I never have to do it again? Rick and Teresa both do this quarterly, and it has saved them an immense amount of time, money, and sanity over the years. Implement this strategy today and you’ll be amazed at how much more you will be able to accomplish.
43 minutes | Oct 20, 2020
Ep. 40: Total Life Fulfillment - Even in a Pandemic
In this episode, Rick sits down with BFS Blackbelt Member and Certified BFS Coach, Jason Wasser to discuss how you can have total life fulfillment, even during a pandemic. Although the world in a state of chaos, you can change your mindset to become more fulfilled and on purpose, even during a pandemic and a global crisis. By using the Simplicity, Probability and Leverage decision-making framework, you can embrace a life-giving philosophy of positive, forward-moving action. You will realize that negative stuff happens all around us, every day. But, as you know, what you focus on, is what you promote. So, shift your focus to a forward-thinking, life-generating, profit-creating Positive Focus. These are uncertain times. The only thing that you can be certain of is how you react to these times. You are a powerful force! Use that force to unleash your values and purpose in the world. Now is the time to transform!
12 minutes | Oct 13, 2020
Ep. 39 Objectives-Based Decision Making With Finances
Today’s investors are overloaded with information on market performance. In this episode, you’ll learn why it is imperative that you tune out the noise, and refrain from buying or selling under pressure. Most importantly: always let your objectives lead your investing. Rick and Teresa suggest the first thing that all investors need to do is DEFINE their overall objectives. An objective decision is one which is not influenced by one's personal feelings, perspectives, interests and biases. Filter out any investments or investment decisions that are not aligned with achieving your objectives. Remember, risk, which causes loss of capital, is the most important thing to avoid.
19 minutes | Sep 21, 2020
Ep. 38 The Millionaire Next Door
You can’t always judge wealth by appearance. Your neighbors may be wealthier than you think, and your seemingly “rich” friends could be exactly the opposite. In this episode, Teresa and Rick sit down to discuss two popular books: The Millionaire Next Door, and The Next Millionaire Next Door. These concepts, developed by Thomas J. Stanley, are together a strategy of achieving long-term wealth by developing an early lifestyle of living well below your means. Building wealth is a marathon, not a sprint, with discipline being of the utmost importance. Discipline is required to transform income into wealth. Spending less than you make, always being frugal, and spending time planning your financial future can help you attain the level of legacy wealth you need to retire comfortably. Take care of your money responsibly today, and it will take care of you tomorrow.
15 minutes | Sep 14, 2020
Ep. 37 Teaching Kids Entrepreneurship and Independence
The greatest gift you can give to a child is to teach them the importance of being independent. American kids today seem to be connected to an I.V. drip of never-ending video games, social media, and screens. There is a frustrating commitment to things that are not real, tangible, and/or value-generating. We must begin parenting and grand-parenting in a way that moves children closer to their God-given right to be entrepreneurial and independent. Teach them about money and how to save it. Help them understand hard work by assigning chores and rewarding chores with an allowance. Have family dinners together, and discuss value-generating topics, such a determination and learning from failures. We believe that all human beings are born to be entrepreneurs. It is human nature, but today's society attempts to beat entrepreneurship out of people and replace it with dependence. It’s time to beat it back into them! If we all embrace some of the practices above, imagine how we could catapult future generations into success?
24 minutes | Sep 7, 2020
Ep. 36 The Battle for Your Money Begins in Your Mind
Here’s the truth: Personal finance isn’t just about the math. Your words, thoughts, emotions, relationships, and past history affect your relationship with money. In this episode, Teresa sits down with Christine Luken, known as “The Financial Lifeguard.” If you're ready for a change, it's time to feel empowered and learn the strategies to confidently make money decisions. As the Financial Lifeguard, Christine shows you how to manage the emotional side of money and guide you to a place of certainty with your finances. If you aren’t where you need to be, you need to hear Christine’s message. You can learn more about her 5-step process here: https://www.christineluken.com/.
17 minutes | Aug 25, 2020
Ep. 35 "Long-Termism" as an Operating Principle
Ep. 35 "Long-Termism" as an Operating Principle by BFS
22 minutes | Aug 17, 2020
Ep. 34 Happiness vs. Fulfillment
Have you ever thought about the distinction between happiness and fulfillment? Happiness is short-term and fleeting, like chasing a butterfly. Fulfillment is a permanent reward for a well-lived life. It is achieved by being clear about where you are headed in life and eliminating any short-term fixes. Overall life satisfaction will increase, while at the same time, drama, toxicity, and complications will slowly vanish. Rick and Teresa have realized that fulfillment is a by-product of decades of hard work. Rick hates working out each morning, but he is fulfilled by the results of this lifelong practice. What can you eliminate from your life that doesn't align with your long-term future? This includes both material things and drama-filled relationships. We will always have problems. People that attack problems vs. avoiding problems are more fulfilled. Attack this “problem” by writing out your long-term vision for the most important areas of your life.
18 minutes | Aug 10, 2020
Ep. 33 Why People Make Bad Investors
We all have financial regrets. Things we bought, bills we paid late, decisions we didn’t research. But people have NO idea how bad they are at investing. Over time their results far underestimate their actual returns. It is imperative for you to learn to manage the behavioral impulses of emotional buying and selling that can come from following the market's ups and downs. It’s seems to be human nature to fall victim to media hype or fear, causing us to buy investments at peaks and sell during the valleys of the cycle. We have to break this pattern, and always buy low and sell high! Investing without emotion is easier said than done, but Rick and Teresa recommend using the Barbell Investment Strategy and invest using fixed interest-paying, mutually--owned insurance policies. Be sure to maximize all your retirement accounts and invest those funds conservatively as well. To find out more, visit https://100yearsavingssolution.com