Should Moms Enter the Business World? w/ Sterling Jaquith

Should Moms Enter the Business World? w/ Sterling Jaquith

Sterling Jaquith has been starting businesses since she was seventeen, from hand-coding websites for soccer teams to training rich people’s dogs to now coaching overwhelmed Catholic moms through Catholic Mom Calm. Her argument in this episode cuts against most of what the internet sells about entrepreneurship: money never buys freedom on its own, time never creates money, and the only real reason to build a business is because God is asking you to. Main Ideas: * Time doesn’t create money. Overworking almost always traces back to a scarcity thought and a stress state, and the hours past the first three tend to make the work worse, not better. * The only durable reason to start a business is a genuine call, so lay it at the foot of the cross with real detachment before building anything, and stay honest about whether the business is a calling or a hiding place. * Get to the marketplace fast. “Logoland” and pixel-pushing on a website nobody has seen are how momentum dies; make one specific offer that solves a real, painful problem, and go collect nos. * People stall in business when the destination isn’t clear or they don’t believe it’s for them; name exactly what you’re building and what it will cost, and the hard work becomes easy to choose. * You only have to start ten. Nine of ten businesses fail, every skill set compounds into the next venture, and a closed business is usually a closed chapter rather than a failure. Resources Mentioned: * Catholic Mom Calm [https://catholicmomcalm.com] * Calm Catholic Kids [https://calmcatholickids.com] * Sword&Spade Podcast Episode Referenced [https://open.spotify.com/episode/5UiMKSPZpgtEyrfObdZxKA?si=z09s5_zxTw2_OIbYKwS7Kw] Chapters: * 00:00: Welcome, and starting a first business at seventeen * 04:24: A finance degree, a dog-training company, and learning money isn’t the only goal * 08:22: Building a job versus building a business * 10:25: Is God calling you to work? “Jobby money” versus a real business * 14:09: A teacher’s salary and balancing the desire to teach against the duty to provide * 17:41: Hiding in your business, and how to tell when it’s out of order * 19:28: Two minutes of silence and the myth that you need an hour * 25:20: Honoring the calendar and the three good hours a day * 33:20: Instagram, comparison, and the loneliness underneath it * 41:19: AI as the tool that cuts through the noise * 48:30: Early mistakes—logoland and vague offers * 54:06: “You only have to start ten” Produced by Saint Kolbe Studios [https://saintkolbestudios.com/] This is a public episode. If you would like to discuss this with other subscribers or get access to bonus episodes, visit saintkolbestudiospodcast.substack.com [https://saintkolbestudiospodcast.substack.com?utm_medium=podcast&utm_campaign=CTA_1]

Can a Christian Own the S&P 500? Michael Acosta, CFP on the Ethics of Money

Michael Acosta, founder of Genesis Wealth Planning and a Certified Financial Planner, joins Joe Coleman to talk about building a financial practice explicitly rooted in his faith — including how he screens client portfolios against Church teaching, the difference between asking “am I allowed to” and “am I chasing the highest good,” and why he charges a flat subscription instead of a straight percentage of assets. They also get into the leap from a traditional advisory job to launching his own DBA in the middle of the pandemic, and why Michael doesn’t think AI is coming for the human relationship at the center of financial planning. Main Ideas: * Michael Acosta left a traditional advisory role in 2017 to launch Genesis Wealth Planning as his own DBA — an income cut roughly in half, timed right around the birth of his first child, built on a mentor’s advice that the risk of going out on your own only gets harder to take the longer you wait. * Genesis Wealth Planning charges a flat monthly subscription fee alongside its traditional percentage-of-assets fee, specifically to serve clients with strong income but not much net worth yet — professionals carrying six-figure student debt who need guidance but don’t clear the asset minimums most advisors require. * To screen client portfolios against Catholic teaching, Michael relies on Arimathea Investing, a third-party Catholic research firm founded by Daniel Catone, and uses a “pebbles in the shoe” approach with clients — surfacing concerns about a holding without dictating what they do with the information. * About 20-30% of Michael’s clients are practicing Catholics, built through deliberate networking inside Catholic entrepreneur communities and a local chapter he helped start in Charlotte — and he’s found that leading with faith on his website and in meetings hasn’t cost him clients outside that niche. * Asked whether AI will replace financial planners, Michael argues most clients aren’t really paying for the math — they’re paying for a relationship, a sounding board, and someone to catch blind spots — and the advisors most at risk are the ones who never specialized in anything. Resources Mentioned: * Genesis Wealth Planning [https://www.genesiswealthplanning.com] * Michael Acosta on LinkedIn [https://www.linkedin.com/in/michaelracosta/] * Financial Fortitude (Michael’s podcast): Apple Podcasts [https://podcasts.apple.com/us/podcast/financial-fortitude/id1763282785] · Spotify [https://open.spotify.com/show/36ZgqCaturhMeh2hkOFHeu] · YouTube [https://www.youtube.com/@GenesisWealthPlanning] * Arimathea Investing [https://www.arimatheainvesting.com/] Produced by Saint Kolbe Studios [https://saintkolbestudios.com/] Chapters: * 00:00: Introduction * 02:29: Who Is Michael Acosta? Building Genesis Wealth Planning * 04:38: Can a Catholic in Good Conscience Own the S&P 500? * 06:08: A Litmus Test for Screening Companies: Arimathea Investing * 10:09: Chasing the Higher Good, Not Just What’s Permitted * 16:49: The Pandemic Pivot That Created Genesis Wealth Planning * 19:48: Building a Practice Inside the Catholic Niche * 25:05: Why Faith-First Branding Doesn’t Scare Clients Away * 28:35: Fee-Only vs. Commission vs. Fee-Based, Explained * 34:00: Beating the “Salesman” Objection * 41:37: Taking the Leap: What Michael Wishes He Knew * 44:59: Will AI Replace Financial Planners? This is a public episode. If you would like to discuss this with other subscribers or get access to bonus episodes, visit saintkolbestudiospodcast.substack.com [https://saintkolbestudiospodcast.substack.com?utm_medium=podcast&utm_campaign=CTA_1]

What Dying Places Teach Us: A.M. Hickman on Rural America, Self-Employment, and Why He Stays

If you like this episode, you’ll also enjoy Buc-ee’s Hates Your Hometown w/ Javier Velazquez [https://open.substack.com/pub/saintkolbestudiospodcast/p/buc-ees-hates-your-hometown-w-javier?r=57oohy&utm_campaign=post&utm_medium=web] A.M. Hickman [https://substack.com/profile/26207602-am-hickman] is the writer behind Hickman’s Hinterlands, a Substack with tens of thousands of subscribers where he publishes long-form essays—some running 13,000 words with 90-minute voice-overs—about the places mainstream America ignores. In this conversation, Joe and A.M. explore what it actually costs to live in the hinterlands (his house cost $33,000), how the birth of his daughter rewrote the calculus on staying put, and what a book about anarchist revolution taught him about knowing when to leave. Main Ideas: * The hinterlands aren’t just rural—they’re any place that’s out of sight, out of step with the dominant culture, and invisible to the people making decisions. You’ll find them in the Bronx just as easily as central Kansas. What they share is a burning ember of something the mainstream lost, kept alive by people who simply refused to adapt. * Living where nobody else wants to live is a legitimate financial strategy. A.M.’s house cost $33,000 with no mortgage, and his monthly expenses are so low that digital nomads in Panama City spend more than he does. The catch is the social cost—no school, a parish that will close within fifteen years, no other kids for his daughter to grow up with. * Having a child reframes every question about where to live. When it was just A.M. and his wife, the calculus was simple: cheap, wild, interesting. Now, with a daughter, the honest answer is that staying in a dying village may no longer be defensible—and he walks through exactly what it would take to leave with a clear conscience. * A.M. spent years as a political anarchist and student of revolution, and the theory he walked away from gave him one lasting insight: you can’t push a stopped train. The “arrows effect,” drawn from George Katsiaficas, holds that effective change has to jump on a current that’s already moving. A.M. applies this framework to community revitalization, to his own decision about upstate New York, and to the harder question of when persistence becomes delusion. There’s a genuine return to tradition happening, but it’s splitting in two. One group is going deeper—reading more, asking harder questions, returning to the Church. The other is going further in the opposite direction: gambling debt, Mike’s Hard Lemonade, no questions asked. The bifurcation is real, and her argues it has more to do with how mechanized culture rewards indifference than with individual moral failure. Resources: * Hickman’s Hinterlands [https://shagbark.substack.com/] * “Stumbling Toward the Cosmopolitan Christ” by A.M. Hickman [https://shagbark.substack.com/p/stumbling-toward-the-cosmopolitan] * “How to Live on $432 a Month in America” by A.M. Hickman [https://substack.com/@shagbark/p-163958511] * Buc-ee’s Hates Your Hometown w/ Javier Velazquez [https://open.substack.com/pub/saintkolbestudiospodcast/p/buc-ees-hates-your-hometown-w-javier?r=57oohy&utm_campaign=post&utm_medium=web] * The Subversion of Politics [https://www.eroseffect.com/subversion] by George Katsiaficas [https://www.eroseffect.com/subversion] Chapters: * 00:00 Why A.M. Hickman Won’t Paywall His Work (Even the 13,000-Word Ones) * 10:05 What the Hinterlands Actually Are * 13:03 The Burning Ember of Old America * 28:39 How the Automobile Killed Rural Life * 32:05 The $33,000 House: Living Where Nobody Else Will * 41:30 How a Baby Changes the Question of Where to Live * 47:12 When Is It Leaving Time? * 48:08 The Arrows Effect: You Can’t Push a Stopped Train * 53:28 Is the Return to Tradition Real or Just Aesthetic? * 55:26 The Bifurcation: Great Books vs. Gambling Debt * 01:00:34 The Melting Pot, Ethnic Rootlessness, and the Church * 01:06:12 We Have It Better Than Kings Produced by Saint Kolbe Studios [https://saintkolbestudios.com/] This is a public episode. If you would like to discuss this with other subscribers or get access to bonus episodes, visit saintkolbestudiospodcast.substack.com [https://saintkolbestudiospodcast.substack.com?utm_medium=podcast&utm_campaign=CTA_1]

Buc-ee's hates your hometown w/ Javier Velazquez

If you like this conversation, you’ll love this episode of The Sword&Spade Podcast [https://swordandspade.transistor.fm/episodes/something-worth-worshiping-ross-arlen-tieken-on-paganism-magic-and-conversion] featuring Ross Arlen Tieken (El Antiguo Substack [https://substack.com/@elantiguo?utm_source=global-search]) ___________ Javier Velazquez [https://substack.com/profile/97366437-javier-velazquez] is a Catholic writer and the author of Exiled Heart [https://exiledheart.substack.com/], a Substack exploring what he calls “deep America”—the mythic, historical, and spiritual currents running beneath the surface of ordinary American life. In this conversation, Joe and Javier cover Southern aristocracy, the metaphysics of Bass Pro Shops, the difference between true and false localism, and why the future of small towns may rest with ordinary people willing to tell their story. Main Ideas: * What “deep America” actually means—and how the right lens can transform a Bass Pro Shop into a window onto the American soul * The case for Southern aristocracy and noblesse oblige: why rooted, land-based wealth is good for local communities * The difference between true and false localism—and why walkable streets alone can’t save a small town without a coherent story about who it is and where it came from * Why the leftists build better coffee shops: an honest look at aesthetics, anthropology, and what it reveals about our nature as persons * Four theories on the future of small towns by 2046—and why young families moving out of necessity might be the most likely catalyst for a cultural renaissance Chapters: * 00:00: Introduction * 02:12: The South as a genuine homeland—mythos, culture, and a sense of place * 06:46: Noblesse oblige and the obligation of rooted, local wealth * 10:10: How Javier got into writing and found Substack * 14:46: Defining “deep America” and the metaphysics of Bass Pro Shops * 22:33: Small towns, false localism, and the failure of blank-slate urbanism * 26:44: Why true localism requires storytelling, not just sidewalks * 29:15: Why the left builds better coffee shops—and what that reveals * 36:29: What Publix coming to your small town actually signals * 48:58: Remote life, the techno-rural renaissance, and the appeal of the country * 53:36: Four theories on where small towns will be by 2046 * 57:38: Human-scale community and why small towns are better for your soul Resources Mentioned: * Exiled Heart [https://exiledheart.substack.com/] — Javier Velazquez’s Substack on deep America, place, and Catholic culture * “The Metaphysics of Bass Pro Shops” [https://exiledheart.substack.com/p/the-metaphysics-of-bass-pro-shop] — the Exiled Heart essay Joe and Javier discuss * “What Happens to the Small Towns?” [https://theindustrialrevolt.substack.com/p/what-happens-to-the-small-towns] — Joe’s four theories on small towns by 2046 Produced by Saint Kolbe Studios [https://saintkolbestudios.com/] This is a public episode. If you would like to discuss this with other subscribers or get access to bonus episodes, visit saintkolbestudiospodcast.substack.com [https://saintkolbestudiospodcast.substack.com?utm_medium=podcast&utm_campaign=CTA_1]

Is Your City Making You More Virtuous?

Felix Landry is a city planner at Texas A&M University Extension, where he does data analysis and financial mapping for municipalities across Texas—work he spent a decade doing on staff at cities in Texas and Colorado before moving into a public service role through the state university system. In this conversation, he and Joe work through a question most Christians have never thought to ask: does the way your city is designed make it harder to practice virtue? They trace the connections between urban scale, car culture, virtue, and what Christians actually owe the cities they inhabit. Main Ideas: * The built environment is a moral environment. How streets are scaled, how neighborhoods are designed, and how people move through a city directly shapes whether they can act on their virtuous impulses toward one another—or whether they’re physically prevented from doing so. * The dominant American city design—built around the speed and scale of the vehicle—dehumanizes the people in it. You stop seeing drivers as people and start seeing them as obstacles. Road rage and keyboard warrior behavior run on the same mechanism. * The question of whether to stay in or leave broken institutions—cities, public schools, struggling communities—is a moral question. * Most planning failures come from ideological silver bullets: eliminate the car, ban single-family zoning, build a $300M master plan. Good cities don’t emerge from one big fix. They emerge from getting human-scale incentive structures right across many smaller decisions. Chapters: * 00:00: Introduction * 06:17: Felix Landry’s Career in City Planning * 08:49: What Is Rural Absolutism? * 14:29: Cities as Volume Knobs for Human Nature * 24:44: School Choice and the Least of These * 36:21: When the Built Environment Blocks Virtue * 46:38: Scale, Cars, and the Disembodiment Problem * 53:49: Urban Noise and Why We Want to Leave * 01:01:58: Why Silver Bullets Don’t Fix Cities * 01:30:19: Reading List and Closing Thoughts Resources Mentioned: * Sidewalks in the Kingdom: New Urbanism and the Christian Faith [https://www.christianbook.com/sidewalks-kingdom-urbanism-and-christian-faith/eric-jacobsen/9781587430572/pd/30575] by Eric O. Jacobsen * The Space Between: A Christian Engagement with the Built Environment [https://www.christianbook.com/space-between-christian-engagement-built-environment/eric-jacobsen/9780801039089/pd/039080] by Eric O. Jacobsen * Till We Have Built Jerusalem: Architecture, Urbanism, and the Sacred [https://www.amazon.com/Till-Have-Built-Jerusalem-Architecture/dp/193223697X] by Philip Bess * Crabgrass Catholicism: How Suburbanization Transformed Faith and Politics in Postwar America [https://crabgrasscatholicism.com/] by Fr. Stephen M. Koeth, C.S.C. * On Kingship, to the King of Cyprus [https://www.amazon.com/Kingship-King-Cyprus-Thomas-Aquinas/dp/0888442513] by St. Thomas Aquinas Produced by Saint Kolbe Studios [https://saintkolbestudios.com/] This is a public episode. If you would like to discuss this with other subscribers or get access to bonus episodes, visit saintkolbestudiospodcast.substack.com [https://saintkolbestudiospodcast.substack.com?utm_medium=podcast&utm_campaign=CTA_1]