NoBS Wealth®

35,000 Decisions a Day Is Wrecking Your Judgment | Dr. Preston Cherry

Tax season's over. Kids getting out of school. Tariffs, war, graduations, business cycles, household pressure, all hitting at the same damn time. You're tired. You're stretched thin. And you can't figure out why more money isn't quieting the noise in your head. Dr. Preston Cherry is back in the booth, and we went where most people won't go. Financial wellness and mental wellness are not separate conversations. They're the same one. You can't out-earn the inner work. You can't out-hustle the self-audit you've been ducking. And the gap between knowing what to do and actually doing it? That gap is you. We get into the honest self-audit (admit, acknowledge, act), the 35,000 decisions you're making every single day, and why your capacity is the most valuable currency you own. Across every income bracket, 32% of Americans think their finances will worsen in 2026. Highest pessimism Bankrate has clocked since 2018. That's not whining. That's the moment we're living in. Dr. Cherry drops one of the most important reframes in the episode: wealth funds wellbeing. Life and money alignment gives you money assignments. Translation, until you do the work to know what you actually value, no amount of income is going to fix what's broken on the inside. It'll just magnify it. More money doesn't solve the problem, but it does fund the solution if you've already done the audit. If you're a first-gen wealth builder, a business owner running on no sleep, or just someone exhausted from carrying decisions nobody else sees, this one is for you. Drill deep, not wide. Stop splitting your capacity across 14 directions. Start with the person in the mirror. If this hit home, drop a comment. Tell me where you're feeling it most. I read every single one. New episodes every week on Spotify, Apple Podcasts, and YouTube. Subscribe so you never miss a real conversation.

The Brain Science Behind Why You Keep Self-Sabotaging Your Money

You're not lazy. You're not undisciplined. You're not broken. Your nervous system is doing exactly what it was built to do, which is protect you from anything unfamiliar. And until you understand that, no budget, no business plan, no Q2 goal is going to stick. This week on NoBS Wealth, Tessa Santarpia walks me through why self-sabotage has nothing to do with willpower. It's a mismatch. Your conscious mind wants more money, more visibility, more growth. Your subconscious identity thinks that's a threat to survival. And identity wins every single time. We break down why success triggers just as much threat as failure. Why high earners have just as many mindset problems as everyone else, they just have more zeros on the mess. Why "just automate it" is only half the answer. And why the moment you say "this always happens to me," that's your nervous system telling on itself. Tessa gives you three real moves you can make this week to rewire the pattern. Not more doing. Not more planning. Actual regulation of the system that's been pulling you back to baseline your entire adult life. Walk outside. Slow your breathing. Splash cold water on your face. Sounds simple. It's not. And it works. If you've been blaming yourself for not hitting your Q1 goals, this is the episode. Stop beating up the version of you that was just trying to stay safe. Start training the patterns you actually want to run. Connect with Tessa at Santaia Health: https://santaia.health/ [https://santaia.health/] Ready to stop running the same pattern and actually look at your money with someone who sees what you can't? Book your Power Hour at https://www.blackmammoth.com/powerhour [https://www.blackmammoth.com/powerhour]. 60 minutes, 1:1. Your real numbers. A plan you can actually run. If this hit home, drop a comment. Tell me where you're feeling it most. I read every single one. New episodes every week on Spotify, Apple Podcasts, and YouTube. Subscribe so you never miss a real conversation.

Tax Day Reality Check: What You Missed and What's Coming

We filed. We either got a refund or we owe. But here's the real question nobody's asking: did we actually learn anything? Or did we just white-knuckle our way through another tax season and hope for the best? That's where this episode starts. Morgan Anderson is back at the table, and she brought receipts. Literally. Her team has been digging into the numbers from last filing season and what they found should make every single one of you pay attention. Over 44 million individual taxpayers filed with a balance due. Over 30% of them couldn't pay it. And 80% of people who owe the IRS right now are not in any kind of resolution plan. Read that again. Eighty. Percent. We kill the noise on the biggest tax myths floating around social media. "If you owe, you did something wrong." Wrong. "Refunds are free money." Hell no, that's YOUR money the government held all year at zero percent interest. "Estimated payments are only for rich people." Not even close. And the trend telling people to claim 9 or 10 on their W-4? That one's gonna cost you. We go through all of it. Then Morgan drops something most people have never heard of. Under the FAST Act, the IRS can freeze your passport if you owe more than $66,000 in individual tax debt. Right now, over 279,000 taxpayers have frozen passports. And the IRS has been sleepy for the last two years. They're waking up. After filing season, collections are getting aggressive. They're coming for 401(k)s, home equity, CDs, investments. If you've been sitting on tax debt thinking nobody's watching, that window is closing. We wrap with the plan. Installment agreements, how to use them, how to pay them off early, and why cashflow flexibility is the whole game. Get a professional. Do your planning quarterly. Stop relying on TikTok for tax strategy. Your financial future depends on decisions you make right now, not in April when you're scrambling. If this hit home, drop a comment. Tell me where you're feeling it most. I read every single one. New episodes every week on Spotify, Apple Podcasts, and YouTube. Subscribe so you never miss a real conversation.

QDROs, Pensions, and the Divorce Mistakes That Cost You

Divorce is already one of the hardest things a person can go through. What makes it worse is finding out months or years later that a financial decision made in the middle of all that pain cost you tens of thousands of dollars in taxes you never planned for. That's what this episode is about. Jamie Lima, CDFA and CFP at Allegiant Divorce Solutions, is back on the show to break down what most people completely miss when divorce and tax season collide. We're talking about filing status, dependent claims, retirement account splits, pension valuations, and the one clause you need in every divorce agreement before you sign anything. This isn't theory. This is the stuff that shows up in real cases and wrecks real financial plans. We walk through a real client situation involving a business, three real estate properties, a 401k, and a distribution nobody saw coming. We get into the QDRO process in plain language, why AI is creating problems in divorce documents right now, and why the number on your pension statement is almost never the right number. If you're going through a divorce, recently finalized one, or know someone who is, this episode is required listening. Watch the full episode on YouTube [https://youtu.be/VVwxBObuGRI] Connect with Jamie Lima directly at https://allegiantds.com [https://allegiantds.com] or find him on LinkedIn: https://www.linkedin.com/in/jamielima/ [https://www.linkedin.com/in/jamielima/], Instagram: https://www.instagram.com/jamiemlima/ [https://www.instagram.com/jamiemlima/], Facebook: https://www.facebook.com/jamiemlima/ [https://www.facebook.com/jamiemlima/], and X: https://x.com/jamiemlima [https://x.com/jamiemlima] If you want to understand how all of this connects to your broader financial picture, book a Power Hour [https://www.blackmammoth.com/powerhour] with me at . One hour. Real answers. A plan you can actually use. If this hit home, drop a comment. Tell me where you're feeling it most. I read every single one. New episodes every week on Spotify, Apple Podcasts, and YouTube. Subscribe so you never miss a real conversation.

Business Funding That Won't Ruin Your Cash Flow | Sara Weldon

Most business owners don't go looking for funding because they planned for it. They go looking because something broke. Payroll is due Friday. Revenue dipped. The reserves ran out. And when you're in panic mode, that's exactly when the vultures show up. This episode breaks down what the lending industry doesn't want you to know, and what you need to hear before you sign anything. Sara Weldon from Trufinco joins the show and keeps it brutally honest about the state of business funding right now. She calls MCAs a "shit sandwich" and explains exactly why they've become a death sentence for business owners who don't understand the fine print. We're talking daily payments, stacked loans, interest rates designed to bury you, and lenders who are counting on your desperation. Sara's been in this industry for seven years and flat out says she hates what most of it has become. That tells you everything. We hit Noise vs Truth hard in this one. "Debt is always bad." Wrong. "Take the biggest offer you can get." Hell no. "You'll figure out the payments later." That one might be the most dangerous lie in the entire lending world. And "revenue solves everything"? Sara has a client doing $14 million a year who is completely broke. Let that sit. Sara walks through her three step framework for approaching funding the right way: define the use of funds and the return, set a max payment your business can actually carry, and compare offers by total cost and repayment structure, not just the interest rate. If you're borrowing without doing those three things, you're gambling. The hard truth here is simple. Know who you are. Know your lane. Stop trying to do everything yourself and bring in people who can see what you can't. That's the difference between businesses that survive funding and businesses that get buried by it.  Watch on YouTube [https://youtu.be/tvfEHxyWw80] If this hit home, drop a comment. Tell me where you're feeling it most. I read every single one. New episodes every week on Spotify, Apple Podcasts, and YouTube. Subscribe so you never miss a real conversation.