Ride Your Money Wave
Ep. 74 - When to Start Learning About Personal Finance

Ep. 74 - When to Start Learning About Personal Finance

April 19, 2019

Last week, I was sitting at Starbucks doing work when a group of women walked in carrying fliers for an upcoming 4.01k race.  I asked them what it was all about, and it turns out it is a walk/race to help raise money for the Boys and Girls Club of Oakland and Macomb Counties.  The best part is, after the race the kids is "Wellabration" where kids get to learn about the power and importance of personal finance.  I sat down with Alma Ko, Marketing and Engagement Coordinator at Cambridge Consulting, a sponsor of the event, to talk about the race.   

Ep. 73 - Bold Moves for a Better Life

Ep. 73 - Bold Moves for a Better Life

April 8, 2019

My friend John sent me a financial article titled "25% of Millennials no longer having sex due to financial problems."  Naturally, that peaked my interest.  Can money really affect your sex life? It turns out the article was as clear cut as I thought it would be, but it did bring up an interesting point: it is harder to get by today than it was in the past.  Having said that, I discuss some bold moves you can make today in order to set yourself up for a abundant financial future. 

Ep. 72 - How Rules Can Make Your Rich

Ep. 72 - How Rules Can Make Your Rich

April 1, 2019

Adam Smith was on to something when he warned us to be aware of the relaxation of rules and how it can lead us to make bad decisions.  The same is true when it comes to personal finance - keep your rules simple, black-and-white, and never deviate from them - and you should end up wealthy in the end. 

Ep. 71 - HBD RYMW and Nearly 20 Years of Money Lessons with Becky Mill

Ep. 71 - HBD RYMW and Nearly 20 Years of Money Lessons with Becky Mill

March 18, 2019

Last week, Ride Your Money Wave turned 1!  Whoo hoo!  I took a moment to reflect on what the podcast has taught me and what common trends I hear in the stories of my guests as it relates to success.  Also, my wife, Becky, joined me on the podcast to discuss all things money - her relationship with it, how we handle money in our relationship, and more. 

Ep. 70 - Lessons from the Kitchen, Nick Apone with Old Woodward Cellar

Ep. 70 - Lessons from the Kitchen, Nick Apone with Old Woodward Cellar

March 15, 2019

Nick Apone went from working in his dad's restaurant to putting it all on the line to open and own his brick-and-mortar boutique wine shop, Old Woodward Cellar, located in the  heart of downtown Birmingham, Michigan.  Nick is a great example of what it takes to achieve the first step of a dream -  hard work, sacrifice, and 15 years of grinding.  

Ep. 69 - Grey Ghost Co-Owner Dave Vermiglio

Ep. 69 - Grey Ghost Co-Owner Dave Vermiglio

February 21, 2019

Anyone who has lived in Metro Detroit knows the impact Grey Ghost has had on the Detroit restaurant scene and community.  Close to three years ago, the Vermiglio brothers took the leap and acted on their life's dream of opening a restaurant together.  One of the many things that makes the restaurant so special is the division of labor - Dave is the "numbers guy" leaning heavily on his experience in the private equity space while his identical twin brother, John, is the chef.  Against the industry odds, these guys have opened three restaurants in three years...and it doesn't look like they are stopping anytime soon.  

Ep. 68 - Why Average Is So Bad

Ep. 68 - Why Average Is So Bad

February 18, 2019

Last month, the American government shut down, affecting the finances of 800,000 households.  With the government up and running (for the time being), we can now take a look at how the shutdown affected the "average" American.  While the survey sample is biased because they are all government workers, it does provide us some insight into the financial state of people.  As it turns out, average isn't good.  

Ep. 67 - Do You Have $7382 I Can Borrow?

Ep. 67 - Do You Have $7382 I Can Borrow?

February 10, 2019

Digg.com reported the median credit card debt by state.  Michigan ranked in the middle, with $7382.  While that is a trouble statistic, what is truly concerning is how long it would take to pay it off given you dedicate 15% of your income to it.  In today's podcast, I give a few tips on how to avoid credit card debt.  

Ep. 66 - Six Characteristics of the Wealthy

Ep. 66 - Six Characteristics of the Wealthy

February 7, 2019

On today's podcast, I talk about the six characteristics of wealth people as reported by Hillary Hoffower.  You can read the article here.  I gave myself a 5/6 characteristics.  How many do you have?

Ep. 65 - Selling with Chris Budnik

Ep. 65 - Selling with Chris Budnik

February 6, 2019

Running a small business is difficult.  You need to know a little about a lot of things (ok, more like a lot about a lot of things.)  We think that if we have an idea and a website, the phone will start ringing off the hook.  Wrong!  Instead, you need to go out and sell.  Whether you are selling yourself by building relationship or selling a product or service, being comfortable with selling is an important attribute to be successful.  Chris Budnik talks about his life in sales and provides tips on how to start selling.