Average Joe Finances

321. Stocks, Strategies, and Success with Rizwan Memon

Join us on Average Joe Finances as our guest Rizwan Memon, an equities and derivatives trader with 18 years of experience. Rizwan shares his journey from starting trading at 16 years old with $5,000 to becoming a seasoned trader specializing in U.S. financial markets. He discusses his strategies, including the use of complex options and shorting techniques, and offers advice to new investors. Rizwan also emphasizes the importance of transparency, diversifying investments, and maintaining a balanced approach to money and life.  In this episode: * Discover how starting early—even with limited knowledge—can build the foundation for long-term trading wisdom. * Learn why Riz pulls profits from trading to diversify into real estate, protecting himself from market swings. * Understand how technology has leveled the playing field, giving everyday traders access to tools once reserved for pros. * Take in Riz’s biggest lesson: financial success isn’t just about returns—it’s about ethics, balance, and building a life free from debt and pressure. * And so much more! Key Moments: 00:41 Meet Rizwan Mein: The Equities and Derivatives Trader 01:19 Rizwan's Trading Journey: From 16 to Now 04:21 Navigating the 2008 Financial Crisis 06:49 Evolution of Trading Technology 09:37 Rizwan's Advanced Trading Strategies 15:51 Educating New Traders 19:29 Podcast Break and Sponsor Shoutout 22:44 Transparency in Trading 23:49 Challenges in the Trading Industry 24:31 Personal Financial Strategies 25:56 Leveraging Debt vs. Buying Outright 30:08 Final Round: Personal Insights 38:44 Connecting with Riz 40:23 Closing Thoughts Find Rizwan Memon Website: https://rizinternational.com/ [https://rizinternational.com/] Instagram: https://www.instagram.com/rizinternational/ [https://www.instagram.com/rizinternational/] Youtube: https://www.youtube.com/@RizInternational [https://www.youtube.com/@RizInternational] X: https://x.com/rizmemontrades [https://x.com/rizmemontrades] Threads: https://www.threads.com/@rizinternational [https://www.threads.com/@rizinternational] Average Joe Finances® All of our social media links and more: https://averagejoefinances.com/links [https://averagejoefinances.com/links] About Mike: https://mikecavaggioni.com [https://themikecav.com] Show Notes add-on continued here: https://averagejoefinances.com/show-notes/ [https://averagejoefinances.com/show-notes/] *DISCLAIMER* https://averagejoefinances.com/disclaimer [http://www.averagejoefinances.com/disclaimer] See our full episode transcripts here: https://podcast.averagejoefinances.com/episodes [http://www.averagejoefinancespod.com/episodes] Send us a text [https://www.buzzsprout.com/twilio/text_messages/1822550/open_sms] Support the show [https://www.buymeacoffee.com/avgjoefinances]

320. Mastering Financial Independence with Tim Townsend

Join us on Average Joe Finances as our guest Tim Townsend, a wealth management expert from Australia, shares his journey from growing up on a lighthouse to running a successful wealth management practice in Melbourne, managing assets worth $400-$500 million. The discussion covers the importance of financial literacy, understanding market volatility, and disciplined investing. Tim emphasizes the need for a sound financial plan, the significance of understanding inflation and real returns, and the value of investing in a diverse range of high-quality assets.  In this episode: * Take away how discipline—not intelligence—is the real key to long-term investing success. * Recognize that financial independence isn’t about retirement—it’s about choice and control. * Gain clarity on why diversification and consistency outperform risky, one-off bets. * Absorb the value of mastering emotions and inflation awareness to protect your wealth. * And so much more! Key Moments: 00:41 Meet Tim Townsend: From Lighthouse to Wealth Management 01:22 Growing Up on a Remote Island 03:20 The Journey to Financial Planning 05:53 Investment Strategies and Emotional Discipline 12:38 The Importance of Financial Literacy 14:19 Educating Clients on Volatility 21:38 Real Estate and Diversification 24:39 Understanding Inflation and Investment Returns 25:12 Buzzsprout and Podcast Promotion 25:49 Edit Pods: Elevate Your Podcast 26:28 Historical Interest Rates and Inflation 29:13 Financial Planning: Steps to Take 37:10 The Final Round: Personal Insights 39:50 The Importance of Regular Savings 46:02 Where to Find More Information Find Tim Townsend Website: https://www.timtownsend.com.au/ [https://www.timtownsend.com.au/] LinkedIn: https://www.linkedin.com/in/tim-townsend-3114103b/ [https://www.linkedin.com/in/tim-townsend-3114103b/] Youtube: https://www.youtube.com/@TownsendCobain [https://www.youtube.com/@TownsendCobain] Average Joe Finances® All of our social media links and more: https://averagejoefinances.com/links [https://averagejoefinances.com/links] About Mike: https://mikecavaggioni.com [https://themikecav.com] Show Notes add-on continued here: https://averagejoefinances.com/show-notes/ [https://averagejoefinances.com/show-notes/] *DISCLAIMER* https://averagejoefinances.com/disclaimer [http://www.averagejoefinances.com/disclaimer] See our full episode transcripts here: https://podcast.averagejoefinances.com/episodes [http://www.averagejoefinancespod.com/episodes] Send us a text [https://www.buzzsprout.com/twilio/text_messages/1822550/open_sms] Support the show [https://www.buymeacoffee.com/avgjoefinances]

319. Breaking Financial Boundaries with Tracey Lundell

Join us on Average Joe Finances as our guest Tracey Lundell, a wealth advisor, shares her unconventional journey from aspiring diplomat to financial industry expert. Calling in from Canada, Tracy offers insights into her varied career, the importance of diversified income streams, and the necessity of taking that first step toward financial literacy. She emphasizes creating customized financial plans based on individual values and the significance of actionable steps in achieving long-term financial goals. Tracy also provides tips on navigating the complexities of investing and the importance of building a supportive team of advisors, mentors, and resources. In this episode: * Pick up how financial flexibility can empower you to adapt and thrive through life’s unexpected turns. * See why diversifying both your investments and income streams is key to long-term freedom. * Realize that financial planning isn’t rigid—it’s a living strategy built around your values and goals. * Take note that the hardest step in wealth-building is simply starting—progress begins with action. * And so much more! Key Moments: Find Tracey Lundell Website: www.seaglasswealth.com [http://www.seaglasswealth.com/] Facebook: https://www.facebook.com/seaglasswealth/ [https://www.facebook.com/seaglasswealth/] LinkedIn: https://www.linkedin.com/in/traceylundell/ [https://www.linkedin.com/in/traceylundell/] Average Joe Finances® All of our social media links and more: https://averagejoefinances.com/links [https://averagejoefinances.com/links] About Mike: https://mikecavaggioni.com [https://themikecav.com] Show Notes add-on continued here: https://averagejoefinances.com/show-notes/ [https://averagejoefinances.com/show-notes/] *DISCLAIMER* https://averagejoefinances.com/disclaimer [http://www.averagejoefinances.com/disclaimer] See our full episode transcripts here: https://podcast.averagejoefinances.com/episodes [http://www.averagejoefinancespod.com/episodes] Send us a text [https://www.buzzsprout.com/twilio/text_messages/1822550/open_sms] Support the show [https://www.buymeacoffee.com/avgjoefinances]

318. The Art of Passion and Capability with Tim Dwyer

Join us on Average Joe Finances as our guest Tim Dwyer,shares his 20+ years of experience in business coaching, detailing his journey from a corporate career at Telstra to running his own business coaching company. He emphasizes the importance of passion, purpose, and capability in building a successful business and introduces his innovative 'Toly Map' system for business growth. Tim also discusses the impact of AI on business landscapes and the significance of aligning with one's true passion to navigate future changes. Through various anecdotes, he sheds light on why trusting instincts and fostering a growth-oriented and passionate team are crucial for long-term success. In this episode: * Gain clarity on how aligning passion with strategy can turn a business into both a purpose and a profit engine. * Uncover how Tim Dwyer’s Tmy Map offers a structured path to scale, sell, or sustain your business with intention. * Recognize the power of building culture and leadership that evolves alongside your growing team. * Take away timeless lessons on decision-making, self-awareness, and serving with joy in an ever-changing business world. * And so much more! Key Moments: 00:41 Meet Tim Dwyer: From Corporate to Coaching 01:20 Tim's Business Journey and Coaching Philosophy 03:40 The Google Maps of Business Success 08:56 Inspiration vs. Opportunity in Business 11:15 The Importance of Passion and Capability 15:17 Building a Passionate Team 19:21 Success Story: Passion-Driven Growth 22:52 The Importance of Passion and Capability in Business 23:44 Building and Managing a Successful Team 28:27 The Role of Culture in Business Growth 29:48 Final Round: Personal Insights and Lessons Learned 33:57 Tips for Aspiring Entrepreneurs 35:34 Book Recommendations and Final Thoughts Find Tim Dwyer Website: https://www.timdwyer.net.au/ [https://www.timdwyer.net.au/] LinkedIn: https://www.linkedin.com/in/timdwyer11/?originalSubdomain=au [https://www.linkedin.com/in/timdwyer11/?originalSubdomain=au] Average Joe Finances® All of our social media links and more: https://averagejoefinances.com/links [https://averagejoefinances.com/links] About Mike: https://mikecavaggioni.com [https://themikecav.com] Show Notes add-on continued here: https://averagejoefinances.com/show-notes/ [https://averagejoefinances.com/show-notes/] *DISCLAIMER* https://averagejoefinances.com/disclaimer [http://www.averagejoefinances.com/disclaimer] See our full episode transcripts here: https://podcast.averagejoefinances.com/episodes [http://www.averagejoefinancespod.com/episodes] Send us a text [https://www.buzzsprout.com/twilio/text_messages/1822550/open_sms] Support the show [https://www.buymeacoffee.com/avgjoefinances]

317. Exploring Sustainable Coffee Ventures with Robby Kuster

Join us on Average Joe Finances as our guest Robby Kuster from Green Coffee Company, discusses the company's evolution from a small startup with three farms in Colombia to a major player in the coffee industry, known for its sustainable practices and vertical integration. Robby shares his personal journey from studying economics and teaching English in Colombia to growing Green Coffee Company and pursuing an MBA. Listeners will hear about the importance of sustainability in agriculture, the benefits of vertical integration, and plans for the company to IPO in the next few years. In this episode: * Uncover how one career detour led Robby Kuster from teaching English to transforming Colombia’s coffee industry. * Gain insight into how vertical integration drives both sustainability and profitability in agriculture. * Explore why recession-resistant sectors like coffee can offer stable, long-term investment potential. * See how innovation and impact can align through Green Coffee Company’s mission to modernize farming and empower communities. * And so much more! Key Moments: 00:50 Meet Robby Kuster 01:43 Robbie's Journey with Green Coffee Company 05:08 Green Coffee Company's Growth and Sustainability 08:05 Vertical Integration and Market Expansion 12:17 Investment and Future Prospects 21:36 The Importance of Coffee 22:15 Lessons from the Wine Industry 24:12 Generational Shifts in Agriculture 27:18 Green Coffee Company's Future Plans 32:27 The Final Round: Personal Insights 40:23 Where to Find More Information Find Robby Kuster Website: https://www.greencoffeecompany.com/ [https://www.greencoffeecompany.com/] Try GCC's Coffee Here: https://juanvaldezcafestore.com/ [https://juanvaldezcafestore.com/] LinkedIn: https://www.linkedin.com/in/robby-kuster/ [https://www.linkedin.com/in/robby-kuster/] Average Joe Finances® All of our social media links and more: https://averagejoefinances.com/links [https://averagejoefinances.com/links] About Mike: https://mikecavaggioni.com [https://themikecav.com] Show Notes add-on continued here: https://averagejoefinances.com/show-notes/ [https://averagejoefinances.com/show-notes/] *DISCLAIMER* https://averagejoefinances.com/disclaimer [http://www.averagejoefinances.com/disclaimer] See our full episode transcripts here: https://podcast.averagejoefinances.com/episodes [http://www.averagejoefinancespod.com/episodes] Send us a text [https://www.buzzsprout.com/twilio/text_messages/1822550/open_sms] Support the show [https://www.buymeacoffee.com/avgjoefinances]