The Practical Wealth Show

Stop Investing Wrong: What the Top 1% Do Differently Most people are told to save, invest, and hope. But that's not how real wealth is built. In this episode of The Practical Wealth Show, Curtis May sits down with Dave Wolcott (Founder of Pantheon Investments) to break down how high-level investors actually create predictable cash flow, tax efficiency, and long-term wealth. But more importantly—we expose where most people go wrong: Investing before they have liquidity Chasing returns instead of control Building portfolios without a strategy If you've ever wondered why investing alone isn't working… this episode will change how you think about money. What You'll Learn: ✔️ How the top 1% actually builds wealth ✔️ Why passive income isn't enough ✔️ The role of liquidity before investing ✔️ Where Infinite Banking fits into a real strategy ✔️ Why most financial advice is incomplete 🚨 Want to build your own wealth strategy? Start here: https://practicalwealth.net/FreedomSession

EPISODE SUMMARY In this episode of The Practical Wealth Show, Curtis May sits down with entrepreneur, investor, and former Wall Street bond trader Nicole Purvy. Nicole shares her journey from trading on Wall Street to building businesses, investing in real estate, and launching her growing YouTube platform The Profitor. As the managing partner of Invictus Elite Capital Group, she helps investors deploy capital into multifamily real estate while bringing a powerful macro-economic perspective to investing. Nicole explains why smart investors must pay attention to capital flows, volatility, and macroeconomic signals instead of relying on headlines or conventional financial advice. In this conversation, Curtis and Nicole discuss: Why volatility in markets is not random How macroeconomic shifts impact real estate investing The housing affordability crisis and what it means for investors How massive money printing changed the financial landscape The mindset shift entrepreneurs must make to step into their authority How Nicole overcame imposter syndrome after leaving Wall Street Why studying history and economic patterns helps investors position themselves ahead of market changes Nicole also shares the story of how she was fired from Wall Street for teaching financial education online, which ultimately pushed her into entrepreneurship and building multiple successful ventures. If you want to understand what's really happening in the economy and how smart investors prepare for uncertainty, this episode is packed with insights. LINKS & RESOURCES If you make good money but still feel tight, you're probably not broke—you're illiquid. Start here: practicalwealth.net [email protected] KEYWORDS macroeconomics volatility investing real estate private equity wealth transfer inflation housing crisis speculative investing capital allocation financial strategy mindset entrepreneurship liquidity financial education economic cycles asset management personal development EPISODE HIGHLIGHTS 00:00–02:06 – Nicole's transition from Wall Street trader to entrepreneur and investor 02:06–03:32 – Getting fired for YouTube and discovering her real purpose 03:32–05:22 – Building a business from scratch and entering real estate 05:22–07:05 – The "lowest barrier to entry" moment in real estate history 07:05–09:19 – Imposter syndrome and playing small despite expertise 09:19–11:23 – Breaking limiting beliefs and stepping into authority 11:23–13:04 – The power of a one-page business plan 13:04–15:23 – Early career experiences shaping mindset and confidence 15:23–19:40 – Wall Street lessons and the illusion of expertise during the 2008 era 19:40–23:06 – What volatility really means (and why it's not random) 23:06–27:20 – The four forces behind today's economic instability 27:20–31:07 – Housing affordability vs. housing supply explained 31:07–35:08 – Human behavior as the missing variable in macroeconomics 35:08–41:13 – Investing vs. speculation (and why most people get it wrong) 41:13–56:19 – Strategies for investing during volatility and the future of real estate

Episode Summary What happens after you build your private banking system? In this episode of The Practical Wealth Show, Curtis May sits down with Ben Buzek — former Special Operations leader turned real estate investor and collaborator with Wealth Without Wall Street — to discuss how to strategically deploy capital into cash-flowing assets. If you've implemented the Infinite Banking Concept (IBC) and built cash value, the next step is deployment. But most investors skip due diligence, chase returns, and lock their money inside qualified plans like 401(k)s. We break down: Why traditional 401(k)s limit liquidity and control The difference between accumulation theory vs cash flow strategy What separates serious investors from hobby investors How to create a "buy box" to vet deals Risk management lessons from Special Operations Multifamily investing explained How to use cash value life insurance to fund investments The biggest misconception about passive income Why liquidity beats rate of return Sequence matters: Cash Flow Control → Private Reserve → Strategic Deployment → Financial Freedom If you want income, not speculation — this episode is for you. Links & Resources practicalwealth.net WWWS Podcast with Special Guest, Ben Buzek https://www.linkedin.com/in/buzekb/ Home [email protected] Keywords Passive Income Infinite Banking Concept Cash Flow Strategy 401k Alternatives Private Banking Capital Deployment Liquidity Financial Freedom Buy Box Due Diligence Multifamily Investing Syndications Cash Value Life Insurance Wealth Allocation Velocity of Money Control vs Accumulation Statement Wealth OPM (Other People's Money) Investor Profile Asset-Based Income Episode Highlights 00:00–02:26 - From accumulation theory to control-based wealth building 02:26–05:39 - What happens after you build cash value? The "What's next?" problem 05:39–08:07 - Why 401(k)s limit liquidity and control 08:07–10:03 - Financial freedom formula: Passive income exceeds expenses 10:03–12:36 - Buy boxes, shiny object syndrome, and investor discipline 12:36–14:26 - Special Operations risk management: PACE planning (Primary, Alternate, Contingency, Emergency) 14:26–17:40 - Serious investors vs hobby investors 17:40–20:18 - Defining your investor profile before deploying capital 20:18–22:00 - Principles → Strategy → Tactics framework 22:00–24:06 - You can't eat equity: cash flow vs capital gains 24:06–26:05 - Finding and redeploying "lazy cash" 26:05–28:06 - The biggest misconception about passive income 28:06–29:31 - LP investing, syndications, and operator due diligence 29:31–32:54 - Liquidity, capital access, and why you'll run out of money before deals 32:54–34:56 - Case study: $2,300/month in passive income in 12 weeks 34:56–37:16 - Why coaching accelerates results and reduces costly mistakes 37:16–40:46 - Retirement math reality check and the 4% rule problem 40:46–43:35 - How the Passive Income Lab works (structure, accountability, cohorts) 43:35–46:06 - Earn → Bank → Borrow → Spend → Repay framework 46:06–49:38 - Final call to action: stop sitting on the sidelines

EPISODE SUMMARY Franchising is often marketed as passive or semi-absentee—but that misunderstanding costs investors millions. In this episode, I'm joined by franchise veteran Cliff Nonnenmacher, who has spent over 25 years owning, scaling, and advising franchise businesses across multiple industries. We talk candidly about: Why franchisees really fail The operator vs. owner mindset Capital mistakes that quietly kill good businesses Who should walk away from franchising immediately Trends vs. hype in today's franchise market If you're considering franchising or advising someone who is—this episode will save you time, money, and regret. LINKS & RESOURCES If you make good money but still feel tight, you're probably not broke—you're illiquid. Start here: practicalwealth.net [email protected] www.franocity.com [email protected] KEYWORDS Family council generational wealth legacy planning financial wisdom speculative investing trust funds family governance intergenerational learning wealth mindset progress principle purposeful communication financial stewardship baby steps strategy structured conversations wealth transfer EPISODE HIGHLIGHTS 00:00–01:20 - Younger generations turning to speculation as traditional wealth feels out of reach 01:20–02:15 - Gambling vs. investing in the age of bots and AI 02:15–03:32 - Story of a trust fund protected by anti-gambling restrictions 03:32–04:28 - The wisdom function of a family council 04:28–05:22 - Family councils beyond blood relatives: boards, mentors, advisors 05:22–06:43 - Four generations under one roof: mutual value exchange 06:43–07:35 - What younger generations actually bring to the table 07:35–08:32 - Why asking better questions unlocks generational wisdom 08:32–09:47 - Simple starting point: weekly cadence calls 09:47–10:36 - Two powerful questions: What's working? What's not? 10:36–11:45 - The "gap" vs. progress principle 11:45–12:50 - Starting small instead of waiting for a formal family retreat 12:50–13:45 - Purposeful structure vs. hoping conversations happen naturally 13:45–End - Why progress compounds when family conversations become intentional

Episode Summary "Good" doesn't feel exciting. Good feels calm. In this episode, Curtis defines what financial stability actually looks like in real life—and walks through the Be the Bank Blueprint that turns chaos into control. What you'll learn -The clearest definition of financial stability: -Nothing feels urgent -Money moves without panic -Decisions aren't permission-based -Why most people confuse "busy" with "progress" -The 4-step Money for Life Blueprint: -Cash flow control -Private Reserve (properly structured whole life) -Protection and stress-testing -Legacy and continuity -How to think like a banker instead of a borrower Key insight Bad finances feel urgent. Good finances feel boring and boring is freedom. Episode Resources Take the Next Step with Curtis May: Business Owners: Assess Your Challenges with Cash Flow → https://curtis-73no5r8j.scoreapp.com Private Banking Readiness Assessment → https://curtis-qljorw8q.scoreapp.com How Ready Are You to Be Your Own Bank? → https://curtis-hzw1jezd.scoreapp.com The Practical Wealth Show with Curtis May Keywords Be the Bank Blueprint Money for Life Process Private reserve Cash flow control Financial calm Liquidity and control Whole life insurance strategy Infinite banking Personal economy Financial freedom Legacy planning Episode Highlights 00:00–00:31 - Introducing the Be the Bank Blueprint and defining "what good looks like" 00:31–01:27 - When systems work, nothing feels urgent 01:27–01:56 - Calm, boring money systems lead to better decisions 01:56–02:23 - What bad looks like: pressure, fragility, constant scrambling 02:23–03:32 - What "good" looks like for business owners, investors, and W-2 earners 03:32–04:23 - Borrowing by choice, not necessity 04:23–05:32 - Step one: stabilize cash flow and fix symptoms vs causes 05:32–06:31 - Raising your "ceiling of complexity" lowers anxiety and risk 06:31–06:55 - Tell your money where to go instead of asking where it went 06:55–07:46 - Step two: save 15–20% and build liquidity before investing 07:46–08:53 - Building a private reserve with properly structured whole life 08:53–09:46 - Principles → strategy → tactics (products come last) 09:46–10:12 - Earn it. Bank it. Borrow it. Spend it. Repay it. 10:12–10:52 - Protect the kingdom: stress-test your plan 10:52–11:29 - The destination: four pillars of a strong personal economy 11:29–12:48 - Pillar 1 & 2: freedom from debt and cash when needed 12:48–14:01 - Pillar 3: financial freedom through cash-flowing assets 14:01–15:05 -Think like a banker: borrow with purpose, repay with discipline 15:05–16:17 - Clarity before action—next steps 16:17–17:37 - Pillar 4: legacy of wealth and wisdom

Episode Summary Free markets only work when signals are honest. Today's money signals are distorted so people work harder, earn more, and still feel stuck. In this episode, Curtis exposes the myth of free markets, explains why money friction is engineered into the system, and reveals the three silent wealth leaks draining households and business owners every day. What you'll learn Why distorted money signals break personal decision-making How locked money forces debt as default liquidity The real reason people feel behind even with good incomes The three wealth leaks most people never measure: -Interest -Taxes -Opportunity cost -Why budgeting fails when the system itself is broken Most people don't overspend they're oversiloed. Their money exists, but it's trapped when life happens. Want help identifying your leaks and rebuilding cash flow control? Go to practicalwealth.net and book a Clarity Call. We'll map your cash flow, find the leaks, and outline your first corrective moves. Episode Resources Take the Next Step with Curtis May: Business Owners: Assess Your Challenges with Cash Flow → https://curtis-73no5r8j.scoreapp.com Private Banking Readiness Assessment → https://curtis-qljorw8q.scoreapp.com How Ready Are You to Be Your Own Bank? → https://curtis-hzw1jezd.scoreapp.com The Practical Wealth Show with Curtis May Keywords Myth of free markets Debt paradigm Cash flow control Money signals Liquidity and control Opportunity cost Household capitalism Private reserve Infinite banking Personal economy Cash flow mapping Financial systems Episode Highlights 00:00–00:31 - The myth of free markets and distorted money signals 00:31–01:24 - The debt paradigm and why institutions don't play by the same rules 01:24–02:08 - Asset-rich, cash-poor: why high earners still feel broke 02:08–02:58 - The leaky bucket: interest, taxes, and opportunity cost 02:58–03:26 - What if you could use money and still keep it growing? 03:26–04:26 - Real-world example: business owners saving, borrowing, and leaking simultaneously 04:26–05:22 - Wealth leaks beyond interest: mortgages, retirement, education 05:22–06:16 - Institutional incentives and why people play a rigged game 06:16–06:55 - Why budgeting isn't the solution—structure is 06:55–08:04 - Cashflow mapping vs reactive money management 08:04–08:44 - Parkinson's Law and why money disappears without systems 08:44–09:38 - Separating accounts and creating cash flow clarity 09:38–10:47 - Cash flow stress, revenue targets, and business discipline 10:47–11:43 - The "red pill" moment of understanding money systems 11:43–12:55 - Control, liquidity, and why structure reduces stress 12:55–14:04 - Earning more by creating more value 14:04–15:27 - Stewardship, leadership, and becoming the bank 15:27–15:49 - Final call to action and next steps

Episode Summary Most people think they live in capitalism. They don't. They live in a permission-based money system—where access to capital requires approval, delays, or debt. In this episode, Curtis breaks down what capitalism actually is, why most households aren't participating in it, and how Infinite Banking represents household-level capitalism in action. This isn't political. It's structural. What you'll learn -Why your biggest money problem is usually lack of liquidity, not lack of income -The difference between capitalism, corporatism, and crony finance -Why most people are trained to save money they can't access -How "buy term and invest the difference" often creates cash-poor households -The three pillars of real financial control: liquidity, control, continuity Key takeaway If you don't control liquidity, you don't control decisions. And if you don't control decisions, you're not practicing capitalism—you're reacting. If this episode exposed cracks in your money system, don't try to budget harder. Fix the structure. Go to practicalwealth.net and book a 15–20 minute Clarity Call to identify where control is leaking and what to fix first. Links & Resources Episode Resources Take the Next Step with Curtis May: Business Owners: Assess Your Challenges with Cash Flow → https://curtis-73no5r8j.scoreapp.com Private Banking Readiness Assessment → https://curtis-qljorw8q.scoreapp.com How Ready Are You to Be Your Own Bank? → https://curtis-hzw1jezd.scoreapp.com The Practical Wealth Show with Curtis May Keywords Household economics Personal economy Capitalism without apology Infinite banking Liquidity and control Private reserve strategy Permission-based spending Debt paradigm Capital storage Financial independence Institutional finance Cash flow control Episode Highlights 00:00–01:06 - Capitalism without apology and the idea of a personal economy 01:06–02:04 - Why you can't control the global economy—but you can control your household economy 02:04–02:45 - Capitalism as control, not investments or rates of return 02:45–03:34 - Liquidity defined: why access to money determines decision-making 03:34–05:07 - High income, low liquidity—and why professionals still feel tight 05:07–06:15 - Debt as a symptom of illiquidity, not irresponsibility 06:15–07:36 - What capitalism actually is (and what it isn't) 07:36–08:51 - How locking money away forces life to be financed with debt 08:51–10:01 - The debt paradigm vs the "pay cash" illusion 10:01–11:37 - Institutional rules that shape how people are taught to use money 11:37–12:55 - Why most personal economies show no evidence of financial freedom 12:55–14:15 - Signals, interest rates, and distorted financial behavior 14:15–15:49 - Infinite banking as a system—not a product 15:49–17:16 - Liquidity, control, and uninterrupted compounding 17:16–18:17 - Outsourcing knowledge and control to institutions 18:17–20:12 - Capitalism practiced at the household level—and the call to action

Summary Curtis sits down with Joey Mure (Wealth Without Wall Street) to talk straight about what financial freedom really is and why most people never reach it. Joey breaks down the mindset shift away from "retirement someday" toward building enough passive income to cover monthly expenses so you own your calendar today. From there, the conversation goes tactical: why your cash flow system must change, how Infinite Banking becomes the most efficient "parking and leverage" tool, and why the real missing piece is becoming an investor—not just being a saver. They also dismantle the myth that being debt-free equals freedom, explain why you can never "pay off the cost of living," and highlight the two biggest bottlenecks that stop people: thinking differently and fear of investing. Joey shares real examples of alternative cash-flow assets (including land flipping partnerships, private lending, and small "operator-run" deals like Turo) and how stacking repeatable wins is what builds momentum. What you'll learn Joey's definition of financial freedom (passive income > expenses = owning your calendar) Why "retirement" is a broken model—and why freedom is a today goal The simple test for whether your money supports freedom: Does it increase passive income or reduce a monthly expense? Why a 401(k) often delays financial freedom (not income-producing today) Infinite Banking as a foundational asset (great tool, not the finish line) Why "Become Your Own Banker" really implies "become an investor" Why debt freedom isn't freedom—and why you can't pay off the cost of living The top two bottlenecks: mindset + fear (no confidence, no repeatable investing process) Joey's favorite cash-flow plays and why operator-run deals can be powerful -How to stack passive income in repeatable steps (first $500/month, then scale) -Resources mentioned / concepts to explore -Wealth Without Wall Street community + monthly Passive Income Report -Infinite Banking / Becoming Your Own Banker -Rich Dad Poor Dad framework (cash-flowing assets vs accumulation) -Alternative cash-flow assets: land flipping partnerships, private notes, Turo rentals, vending Episode Highlights 01:02 - Reeducating about financial freedom. 05:37 - Creating passive income today. 09:13 - The infinite banking foundation. 15:48 - Transition to becoming an investor. 19:26 - Bottlenecks in financial transition. 25:00 - Land flipping success story. 31:15 - Business ownership vs. job ownership. 35:10 - Being a steward of resources. 40:25 - Breaking limiting beliefs for financial freedom. 50:10 - Financial freedom as a process. 52:30 - Spiritual freedom and stewardship. Episode Resources Take the Next Step with Curtis May: Business Owners: Assess Your Challenges with Cash Flow → https://curtis-73no5r8j.scoreapp.com Private Banking Readiness Assessment → https://curtis-qljorw8q.scoreapp.com How Ready Are You to Be Your Own Bank? → https://curtis-hzw1jezd.scoreapp.com The Practical Wealth Show with Curtis May Joey Mure Guest [email protected] Additional guest information Co owner and Host at Wealth Without Wallstreet [email protected] (205) 236-0075 Keywords Practical Wealth Show Joey Mure Wealth Without Wall Street financial freedom reeducate business owners passive income financial independence cashflow system Investing alternatives mindset shift Rich Dad Poor Dad retirement Nelson Nash infinite banking alternative assets become an investor passive income operating system debt freedom constructive debt destructive debt land flipping private loans TURO vending machine business Robert Kiyosaki E-Myth stewardship faith-based financial approach

Summary Most people hear "franchise" and think McDonald's-level money and full-time grind. In this episode, Curtis sits down with Greg Mohr, founder of Franchise Maven, to break down a smarter, recession-resistant path: buying essential service businesses with proven systems without needing to be the technician. Greg shares his background from corporate engineering and small business ownership into franchising, then teaches how to evaluate franchise opportunities like a real investor. The centerpiece is his simple due-diligence filter: talk to 10+ operators before you buy anything and know what to listen for. What You'll Learn Why service franchises (HVAC, plumbing, electrical, senior care, restoration) can be more recession-resistant than trend-based businesses -The difference between buying a job vs buying a system (and how to structure the owner role) -A realistic expectation for time and ramp-up: 10–15 hours/week and a 2–3 year runway to "work-optional" cash flow -The 10-Operator Rule: why talking to 10 franchisees changes everything, and how it protects you from expensive mistakes -3 red flags to watch for when interviewing franchisees -Why undercapitalization kills otherwise good businesses—and how to think about runway and liquidity -What a pro forma is (in plain English) and how it helps you map break-even and profitability Key Quotes / Ideas "Don't buy a job—buy a system." "If you can't handle 18 months without income, don't pretend you're ready." "Keep interviewing operators until you hear the same truth over and over." Welcome: recession-resistant cash flow through service franchises. Greg's path: corporate → small business → franchising. Who this is for: career-changers, high achievers, and managers. Why service franchises are an overlooked asset class beyond fast food. The owner's role: you don't need to be the technician. "Don't buy a job—buy a system" and the delegation mindset. What "recession-resistant" actually means (essential services). Realistic time and effort expectations (semi-absentee ≠ no work). The 10-Operator Rule for due diligence. Red flags to watch for before buying. Capital runway and avoiding undercapitalization. Pro forma basics: costs, break-even, and timeline. Episode Highlights 00:00:19 - Recession-resistant cash flow with franchising. 00:00:51 - The 10 operator rule for due diligence. 00:03:01 - Transition from corporate to entrepreneurship. 00:04:30 - Service businesses as overlooked asset classes. 00:06:49 - Essential services franchises. 00:10:10 - Systematizing for time and financial freedom. 00:13:37 - Recession-resistant business advantages. 00:14:09 - Realistic time and effort expectations. 00:14:47 - Importance of detailed financial forecasting. 00:18:00 - Necessity of liquidity and capital planning. 00:20:45 - The importance of building cash flow. 00:30:36 - Networking and due diligence in franchise investing. 00:32:20 - Franchise Maven's consulting process. 00:35:39 - Education and preparedness in franchising. 00:37:58 - Key factors for franchise success. 00:40:41 - Risk tolerance and strategic planning. Episode Resources Business Owners: Assess Your Challenges with Cash Flow → https://curtis-73no5r8j.scoreapp.com Private Banking Readiness Assessment → https://curtis-qljorw8q.scoreapp.com How Ready Are You to Be Your Own Bank? → https://link.agent-crm.com/widget/quiz/XJwH7kM0wWxYB1KICcOW Title: Founder & CEO, Franchise Maven Email: [email protected] Phone: 361-772-6401 Website: franchisemaven.com Keywords The Practical Wealth Show recession resistant cashflow service business systems franchising Greg Moore Franchise Maven Forbes business council Wall Street Journal bestselling author high achievers replace W-2 income reliable cashflow due diligence filters 10 operator rule buying a franchise restaurant industry corporate world master franchisor franchise consultant financial freedom time freedom recession resistant industries essential services HVAC plumbing electrical senior care restoration services passive income franchise disclosure document service businesses asset class franchise royalties franchise success rate Greg Mays

Summary A "raise" isn't just more income it's more control. This episode breaks down how to build an income engine so your lifestyle isn't dependent on one stream of earned income. The focus is practical: stabilize cash flow, redirect leaks, and convert surplus into a repeatable system that produces results. What You'll Learn -The difference between more income and more usable income. -Why most people don't need a raise they need an engine. -How to design a simple system that turns surplus cash into momentum. -What to measure weekly so the engine actually grows. Core Framework (simple + memorable) Find it: Identify leaks and wasted transfers (interest, taxes, fees, inefficiency). Free it: Restructure cash flow so you create surplus on purpose. Fund it: Route surplus into a controllable "engine" (liquidity + strategy). Flip it: Use that engine to create more income (assets, business growth, opportunity funding). Practical Action Steps 1.Pick one "pay raise lever" you can pull in the next 7 days: -Cut one recurring leak -Raise pricing / renegotiate a contract -Reduce debt drag (interest payments) -Build a controlled reserve you can deploy 2.Set a weekly target for: -Cash captured -Cash kept (after leaks) -Cash deployed into the engine 3.Repeat weekly until the engine becomes predictable. - Who This Is For -High earners who still feel behind -Business owners with inconsistent cash flow -Anyone trying to escape "one-income dependency" Episode Highlights 00:00:11 - Building wealth the smart way. 00:00:28 - Money For Life process overview. 01:14:18 - Earn it: Turning income into a cash engine. 02:01:57 - Four steps: Control your finances. 03:13:41 - Product-based income paradigm. 04:26:36 - Financial planning requires finances. 06:13:41 - Earn more money through efficiency. 07:33:46 - Find and create opportunities for income. 09:17:59 - Passive and asset-based income insights. 10:56:10 - Unique ability: What comes easy to you? 12:22:32 - Finding margin for debt freedom. 13:00:37 - Shift your mindset to maximize wealth. 14:31:01 - Focus on cashflow rather than rates of return. 16:10:53 - The significance of starting lean. 18:47:21 - Challenge traditional financial paradigms. 19:28:06 - Create your own raise through side business. 20:15:05 - Importance of financial literacy and action. Episode Resources Take your scorecard/assessment and we'll map out the fastest path to build your income engine. https://curtis-wbwb4naf.scoreapp.com Keywords The Practical Wealth Show Curtis May building wealth cash flow control infinite banking principles based planning Money For Life Jeffrey Reed dividend-paying whole life insurance Nelson Nash financial chaos to control cash flow engines income engine increase your income cashflow mapping profit first private reserve strategy debt paradigm passive income asset-based income Government personal economy accurate thinking multiple income streams asset-based investments tax strategies side business ideas freelance writing tutoring online business AI integration entrepreneurship consulting or coaching real estate investment debt snowball financial education tax reduction tools financial freedom business development financial planning wealth legacy

Summary Curtis sits down again with Dave Menz—now fully branded as The Laundromat Millionaire—to get the real 2026 update: what's changed, what's working, and why laundromats are still one of the strongest small-business plays in America. Dave breaks down how the industry shifted from "nobody talks about it" to a legitimate, modern, scalable asset class—driven by better operators, better systems, and a wave of mainstream attention. What you'll learn What's changed for Dave since your first interview (platform growth, book, content, community) Why "collaboration over scarcity" is becoming the new standard in the laundromat world How modern laundromats are being built and operated differently than the old-school model The shift from "no info" to "too much info" — and how owners filter hype from truth The business "levels" (zombie mats → plain Jane → modernized) and how value is created Why scaling is easier now (tools, systems, vendors, and operational playbooks) Why laundromats got mainstream attention (essential business, recession resistance, COVID ripple effects) What still makes laundromats a strong cash-flow asset class today — and where the opportunity still is The real reason owners struggle: weak KPI tracking, messy books, and cash chaos Curtis's "Wealth Without Leaks" angle: plug the money leaks so scaling creates real wealth Episode Highlights 00:00:13 - Laundromat: The Best Small Business 00:01:14 - Elevating the Laundromat Industry 00:03:04 - Sharing Secrets for Industry Growth 00:05:08 - Transformation Through Networking 00:07:00 - Building Wealth and New Ventures 00:09:56 - Launching the Laundromat Millionaire Show 00:12:00 - Industry's Digital Evolution 00:18:10 - Tech and Investment in Modern Laundromats 00:24:24 - Ultimate Shift: Full-Service Laundries 00:30:30 - Scaling Through Multiple Revenue Streams 00:39:13 - Serving a Broader Customer Base 00:43:40 - Measuring Employee and Customer Satisfaction 00:51:55 - The Pitfalls of Buying Laundromats 00:58:15 - Future Expansion and Coaching 01:04:24 - Servitude as a Form of Capitalism Episode resources: Take the Next Step with Curtis May: Business Owners: Assess Your Challenges with Cash Flow → https://curtis-73no5r8j.scoreapp.com Private Banking Readiness Assessment → https://curtis-qljorw8q.scoreapp.com How Ready Are You to Be Your Own Bank? → https://curtis-hzw1jezd.scoreapp.com Keywords Practical Wealth Show Curtis May Laundromat Millionaire Small Business Queens City Laundry Cincinnati Elevate Industry Networking Collaboration Best Practices Wealth Building Technology in Laundromats Laundromat Millionaire: The Grit to Elevate an Industry AI in Laundromats Public Speaking Book Publication Industry Networking Laundry Chain Scaling Laundromat Operations Servitude Mindset Business Optimization Wash-Dry-Fold Business Commercial Accounts Investing in Laundromats Essential Industries Recession Resistant Private Equity in Laundromats Business Valuation Expansion Opportunities Investment Strategies Business Coaching Financial Strategy Infinite Banking Velocity of Money Multiple Revenue Streams Customer Service Employee Satisfaction Revenue Growth Positive Reviews Podcasting Content Creation Media Presence Global Influence Community Service Full-service Laundry Center Pickup and Delivery Innovation Operational Efficiency Customer Retention Strategic Partnerships Professional Development Industry Trends Podcast Advertising Market Research

In this episode of The Practical Wealth Show, Curtis May interviews Brandi Jo Newman, a leading Infinite Banking practitioner and agency builder who has mastered the art of scalable growth through paid advertising, automation, and systems thinking. Brandi explains how she built a $12,000-per-month paid ad engine that fills her team's calendars with qualified prospects, and how she uses AI and automation to turn each piece of content into a lead-generation system. Together, they unpack the business model behind her success and how it connects with Curtis's principle-based approach to wealth building. Topics Covered: Why control, liquidity, and legacy matter more than rate of return How Brandi defines "wealth with intention" and "legacy by design" The role of Infinite Banking (IBC) as a system of control rather than just an insurance product Tax drag, wealth drains and how to plug them Private deal access and how high-income earners can deploy capital differently Your host's Money4Life Blueprint and how it aligns with Brandi's structure Practical steps listeners can take to become their own banker & macro-manager of money Key Takeaways: Money working for your values, not the other way around Shifting from chasing returns to building systems of efficiency How to use cash-value life insurance intelligently as a control tool Building liquidity, flexibility, tax-efficiency, generational structures Links and Resources from this Episode https://www.practicalwealthadvisors.com https://www.practicalwealthsolutions.net/ Email Curtis for a free report - [email protected] Call his office - 610-622-3121 ERC Tax Credit - https://ercspecialists.com?fpr=curtis75 Schedule a call with Curtis: https://aptwithcurtis.as.me/Strategysession CashFlow Mapping: https://practicalwealth.cashflowmapping.com/lp/PWbudgetsstink Take the Next Step with Curtis May: Business Owners: Assess Your Challenges with Cash Flow → https://curtis-73no5r8j.scoreapp.com Private Banking Readiness Assessment → https://curtis-qljorw8q.scoreapp.com How Ready Are You to Be Your Own Bank? → https://link.agent-crm.com/widget/quiz/XJwH7kM0wWxYB1KICcOW Connect with Brandi Jo Newman [email protected] https://linktr.ee/brandijonewman Special Listener Gift Schedule a 15-Minute Call with Curtis: https://aptwithcurtis.as.me/Strategysession Review, Subscribe and Share If you like what you hear please leave a review by clicking here Make sure you're subscribed to the podcast so you get the latest episodes. Click here to subscribe with Apple Podcasts Click here to subscribe with Spotify Click here to subscribe with RSS

Real-estate operator August Biniaz (Co-Founder & CIO, CPI Capital) breaks down how he grew from agent and small developer to closing $225M+ in multifamily assets—plus the boutique advantages that win in today's market: cross-border investor structures, a mid-market acquisition lane ($20–$50M), and ruthless underwriting discipline (rent growth, exit caps, and debt selection). We cover value-add vs BTR, lessons from deals walked away from, and why talent, conservative debt, and 95% occupancy targets matter more than spreadsheets. Highlights The mid-market moat: Why 100–300 doors, LP economics first: Targeting 15–20% average annualized returns and passing the "net-to-investor" test before bidding. Underwriting levers that kill deals: Keeping organic rent growth to ~2.5%–3%, and being conservative on exit cap rates. Debt is destiny: Why fixed, interest-only 5-year debt reduces "debt distress" risk. Boutique advantage: Direct access to principals, tight asset management, investor dinners, and hands-on ops. Cross-border structure: How Canadian LPs invest into U.S. deals while avoiding double taxation and using registered retirement funds (via MFT). Lessons learned: "Best deals are often the ones you walk away from," plus "hire slow, fire fast. Enjoyed this? Subscribe to The Practical Wealth Show, share with an investor friend, and book a discovery chat to map your cashflow and capital strategy. Links and Resources from this Episode https://www.practicalwealthadvisors.com https://www.practicalwealthsolutions.net/ Email Curtis for a free report - [email protected] Call his office - 610-622-3121 ERC Tax Credit - https://ercspecialists.com?fpr=curtis75 Schedule a call with Curtis: https://aptwithcurtis.as.me/Strategysession CashFlow Mapping: https://practicalwealth.cashflowmapping.com/lp/PWbudgetsstink Take the Next Step with Curtis May: Business Owners: Assess Your Challenges with Cash Flow → https://curtis-73no5r8j.scoreapp.com Private Banking Readiness Assessment → https://curtis-qljorw8q.scoreapp.com How Ready Are You to Be Your Own Bank? → https://link.agent-crm.com/widget/quiz/XJwH7kM0wWxYB1KICcOW Connect with August Biniaz [email protected] LinkedIn: linkedin.com/in/augustbiniaz Company: cpicapital.ca Newsletter: cpicapital.cpicapital.ca/newsletter Investor scheduling: meetings.hubspot.com/a Phone: +1 (604) 363-4797 Special Listener Gift Schedule a 15-Minute Call with Curtis: https://aptwithcurtis.as.me/Strategysession Review, Subscribe and Share If you like what you hear please leave a review by clicking here Make sure you're subscribed to the podcast so you get the latest episodes. Click here to subscribe with Apple Podcasts Click here to subscribe with Spotify Click here to subscribe with RSS

On this episode, Curtis May welcomes Brent Kesler, a former chiropractor who transformed his life by applying a 200-year-old wealth strategy once used by the Rockefellers and Morgans. After eliminating nearly $1 million in debt in just 39 months, Brent sold his five successful chiropractic clinics to dedicate himself fully to wealth education. Today, as the founder of The Money Multiplier, Brent has taught more than 17,000 people how to build generational wealth outside of Wall Street's traps. His own daughter became a millionaire by age 24 using these very principles. Highlights What You'll Learn: -How the Money Multiplier Method helps families transform their financial future -Why Brent believes 401(k)s are outdated and dangerous -How to accelerate debt freedom and build a private family banking system -Case studies from everyday people who've created generational wealth -The role of financial literacy in preparing the next generation Key Takeaway: You don't need to start wealthy to build wealth. With the right system, you can eliminate debt, stop losing money to banks and Wall Street, and take control of your financial future. Links and Resources from this Episode https://www.practicalwealthadvisors.com https://www.practicalwealthsolutions.net/ Email Curtis for a free report - [email protected] Call his office - 610-622-3121 ERC Tax Credit - https://ercspecialists.com?fpr=curtis75 Schedule a call with Curtis: https://aptwithcurtis.as.me/Strategysession CashFlow Mapping: https://practicalwealth.cashflowmapping.com/lp/PWbudgetsstink Take the Next Step with Curtis May: Business Owners: Assess Your Challenges with Cash Flow → https://curtis-73no5r8j.scoreapp.com Private Banking Readiness Assessment → https://curtis-qljorw8q.scoreapp.com How Ready Are You to Be Your Own Bank? → https://link.agent-crm.com/widget/quiz/XJwH7kM0wWxYB1KICcOW Connect with Brent Kesler & The Money Multiplier: Instagram: @the.money.multiplier [email protected] Facebook: The Money Multiplier LinkedIn: Brent Kesler Website: themoneymultiplier.com Linktree: linktr.ee/themoneymultiplier Special Listener Gift Schedule a 15-Minute Call with Curtis: https://aptwithcurtis.as.me/Strategysession Review, Subscribe and Share If you like what you hear please leave a review by clicking here Make sure you're subscribed to the podcast so you get the latest episodes. Click here to subscribe with Apple Podcasts Click here to subscribe with Spotify Click here to subscribe with RSS

In this episode, Curtis May sits down with Dr. Laquore J. Meadows, wealth strategist, educator, and CEO of Invest2Give and founder of Stocks & Sorors. Rising from poverty to earning her Ph.D., Dr. Meadows built a business dedicated to helping professionals and entrepreneurs take control of their financial futures through stock and options trading. We dive deep into her signature framework, the Wealth HOUZ, and her mission to show that your financial freedom should never hinge on politics, headlines, or fear of the market. Highlights What You'll Learn: -Why elections and headlines don't control your financial destiny -How the Wealth HOUZ helps you move from renting your financial future to owning it -A 3-step framework to turn market uncertainty into opportunity Dr. Meadows's journey from poverty to PhD and the lessons she brings to wealth creation Key Takeaway: Financial empowerment begins with mindset and structure, not circumstances. You can build wealth regardless of who's in office or what the market is doing. Links and Resources from this Episode https://www.practicalwealthadvisors.com https://www.practicalwealthsolutions.net/ Email Curtis for a free report - [email protected] Call his office - 610-622-3121 ERC Tax Credit - https://ercspecialists.com?fpr=curtis75 Schedule a call with Curtis: https://aptwithcurtis.as.me/Strategysession CashFlow Mapping: https://practicalwealth.cashflowmapping.com/lp/PWbudgetsstink Take the Next Step with Curtis May: Business Owners: Assess Your Challenges with Cash Flow → https://curtis-73no5r8j.scoreapp.com Private Banking Readiness Assessment → https://curtis-qljorw8q.scoreapp.com How Ready Are You to Be Your Own Bank? → https://link.agent-crm.com/widget/quiz/XJwH7kM0wWxYB1KICcOW Connect with Dr. Laquore Meadows [email protected] Instagram: @invest2give LinkedIn: Dr. Laquore J. Meadows Website: invest2give.com Special Listener Gift Schedule a 15-Minute Call with Curtis: https://aptwithcurtis.as.me/Strategysession Review, Subscribe and Share If you like what you hear please leave a review by clicking here Make sure you're subscribed to the podcast so you get the latest episodes. Click here to subscribe with Apple Podcasts Click here to subscribe with Spotify Click here to subscribe with RSS

Most business owners think filing taxes is enough. The truth? Compliance keeps you safe, but strategy builds wealth. In this episode of The Practical Wealth Show, Curtis sits down with Catrina M. Craft, CPA and tax strategist, to uncover how entrepreneurs can cut taxes by 25% and boost profits by 20% using proactive strategies the ultra-wealthy already know. Catrina shares her journey of losing 80% of her income and $100K in debt, rebuilding her business with the same tools she now teaches high-earning entrepreneurs through her Craft Money Map™ system. Highlights Together, Curtis and Catrina break down: The difference between compliance vs. strategy in tax planning. Silent money leaks that cost entrepreneurs thousands each year. Lessons from celebrities and creators that everyday business owners can apply. How to turn taxes from a penalty into a pivot point for lasting wealth. What to expect as tax laws shift over the next 5 years — and how to stay ahead. If you want to stop leaking money to the IRS and start building a resilient financial system, this conversation is your wake-up call. Links and Resources from this Episode https://www.practicalwealthadvisors.com https://www.practicalwealthsolutions.net/ Email Curtis for a free report - [email protected] Call his office - 610-622-3121 ERC Tax Credit - https://ercspecialists.com?fpr=curtis75 Schedule a call with Curtis: https://aptwithcurtis.as.me/Strategysession CashFlow Mapping: https://practicalwealth.cashflowmapping.com/lp/PWbudgetsstink Connect with Catrina M. Craft Learn more about Catrina: CatrinaMCraft.com Explore the Money4Life Blueprint: https://link.agent-crm.com/widget/quiz/fhd4bpJNM6FkfmJI22bs Use the already to be the bank assessment Links/Resources: Free Strategy Call : https://link.agent-crm.com/widget/booking/P3coOQC0HSpJeuIumy8f [email protected] Guest Additional Info: Facebook : Catrina M Craft | Dallas TX LinkedIn: https://www.linkedin.com/in/catrinamcraft/ Visit: entertainmentcfo.com Visit: cmcraft.com Special Listener Gift Schedule a 15-Minute Call with Curtis: https://aptwithcurtis.as.me/Strategysession Review, Subscribe and Share If you like what you hear please leave a review by clicking here Make sure you're subscribed to the podcast so you get the latest episodes. Click here to subscribe with Apple Podcasts Click here to subscribe with Spotify Click here to subscribe with RSS

Taxes are your single biggest wealth transfer bigger than housing, food, or payroll. In this episode, Curtis May sits down with Matthew Pearson, co-founder of Advisors Excel, to uncover why most families and business owners overpay the IRS and what proactive strategies can fix it. You'll learn: -The difference between reactive vs. proactive tax planning. -The 3 silent killers of business wealth. -How poor bookkeeping and wrong entity setup drain cash flow. -Why defense (tax strategy) wins championships in wealth-building. 👉 Ready to find out if you're tipping the IRS? Take the Tax Assessment here: https://link.agent-crm.com/widget/quiz/KvArsvt6IExjRpJCPcA1?notrack=true Links and Resources from this Episode https://www.practicalwealthadvisors.com https://www.practicalwealthsolutions.net/ Email Curtis for a free report - [email protected] Call his office - 610-622-3121 ERC Tax Credit - https://ercspecialists.com?fpr=curtis75 Schedule a call with Curtis: https://aptwithcurtis.as.me/Strategysession CashFlow Mapping: https://practicalwealth.cashflowmapping.com/lp/PWbudgetsstink Connect with Matthew Pearson [email protected] linkedin.com/in/matthewwpearson Website: excelempire.com (Company) Special Listener Gift Schedule a 15-Minute Call with Curtis: https://aptwithcurtis.as.me/Strategysession Review, Subscribe and Share If you like what you hear please leave a review by clicking here Make sure you're subscribed to the podcast so you get the latest episodes. Click here to subscribe with Apple Podcasts Click here to subscribe with Spotify Click here to subscribe with RSS