Up Your Average

Most families think about generosity emotionally—but few think about it strategically.

In this episode, Keith and Caleb break down a surprising way to give generously while improving your tax planning, especially for families with significant assets. When done correctly, generosity doesn’t just improve the world around you—it can reduce taxes, preserve family wealth, and help future generations thrive.

We walk through the fo...

What can you really accomplish in your first year as a financial advisor?

In this episode, Keith sits down with Caleb Tyner for an honest, behind-the-scenes conversation about the lessons that only come from being in the trenches—working with real families, navigating real markets, and learning what it actually takes to give meaningful financial advice.

From mastering financial advisor fundamentals to learning how to com...

Most people believe their worst job was a waste of time. The low pay. The long hours. The frustration. The feeling of being stuck.

But what if the job you hated was actually overpaying you?

In this episode, Keith and Doug take a candid look at the lessons learned from the worst jobs we’ve ever had—from fast food counters to hotel front desks—and why those experiences quietly shaped skills that paid dividends for deca...

Cash flow is more than a budgeting exercise—it is the reality check that determines whether your money is truly supporting the life you want to live.

In this episode, Doug walks through a comprehensive guide to cash flow, breaking it down into practical, real-world terms for families navigating career transitions, major purchases, retirement planning, or simply trying to create more financial margin. From wages and business...

When a parent begins to decline from dementia, families are often forced to make decisions with no perfect answers—only tradeoffs. In this episode, Keith and Doug sit down with experienced physician, Dr. George Elmes, M.D., to talk candidly about helping aging parents with dementia, navigating end-of-life care, and knowing when it’s time for family members to step in.

This conversation goes beyond medical theory and int...

Planning a wedding is one of the most meaningful (and expensive) decisions a couple will make. Yet many families approach wedding planning without the guidance they need to avoid unnecessary stress, wasted money, and regret. In this episode, Keith and Doug interview wedding planner Elizabeth Owens to break down 10 essential wedding planning do’s and don’ts every couple should consider before the big day.

Drawing from real-w...

When it comes to retirement planning and tax planning, one of the most common questions families ask is: which is best—taxable, tax-deferred, or tax-free accounts? The honest answer is more nuanced than most articles or headlines suggest.

In this episode, Keith and Doug break down how taxable accounts, tax-deferred accounts (like traditional IRAs and 401(k)s), and tax-free accounts (like Roth IRAs) actually work and why...

Don’t let the world persuade you.

In an age of constant noise, instant information, and cultural pressure, wisdom has become both rare and invaluable. In this episode, Keith and Doug explore what it means to live wisely in foolish times, drawing practical insight from ancient principles that remain deeply relevant to modern financial and family decisions.

You’ll learn the difference between knowledge and wisdom, how ...

How have you seen God move?

Everybody collects unexplainable stories. In today’s episode, Keith and Doug unpack why these stories matter, how to recognize them, and why documenting them can reshape the way you see your past, your relationships, and even your financial decisions.

You’ll learn:
→ How unexplainable stories come about
→ Why you should collect and share these stories
→ What happens when you look for new ...

In this special holiday episode, Keith and Doug share over 20 meaningful Thanksgiving conversation starters designed to help your family connect on a deeper level. Whether your gatherings lean peaceful, chaotic, sentimental, or hilarious, this episode gives you tools to do something different and bring more harmony, curiosity, and gratitude to the table.

Drawing from stories that range from childhood traditions to New Y...

Relieve unnecessary stress at the end of life.

In this episode of Up Your Average, Keith and Libbi consider the challenges families face when dealing with aging relatives, particularly those with dementia or Alzheimer's. They discuss tools and strategies to help families navigate medical, financial, and personal responsibilities while maintaining a supportive environment for their loved ones.

You will learn:

→ Why you...

"Everybody dies, but not everybody lives."

What if the dream you’ve been carrying for years—or even decades—is still possible? In this episode, Keith and Doug explore what it really takes to pursue your aspirations at any age, especially when fear, uncertainty, or financial concerns have held you back. Whether your dream is personal, professional, or deeply tied to the legacy you want to leave your family, this conversation...

What drives your financial decisions? 

Beneath every investment, purchase, or plan lies something deeper: your financial worldview. In this episode, Keith from Gimbal Financial reveals how understanding that worldview can transform the way you approach money, purpose, and life itself.

Using the metaphor of a gimbal—a tool that keeps a compass level no matter how turbulent the waters—Keith explains how clarity and sta...

What does it take to achieve the American Dream?

In this inspiring conversation, former Thunderbird pilot and author Matt Modleski joins Keith and Doug to talk about discipline, belief, and the power of surrounding yourself with “dream enablers.” From flying elite Air Force jets to raising his sons for success, Matt shares how preparation, purpose, and mentorship turn dreams into reality.

You’ll learn:
→ How to guide kids...

Gold has long symbolized wealth, security, and stability, but what does it represent today?

In this episode of Up Your Average, Keith uses a simple Hershey bar to reveal a complex truth: your dollars are worth less every year, and gold has a story to tell about why. From Roosevelt’s 1933 gold ban to Nixon’s 1971 shift to fiat currency, this episode unpacks the history of gold in America and what it means for investors i...

“You can’t do it alone.”

In this heartfelt episode of Up Your Average, Keith and Doug interview Jan Jeter about how she walked through dementia with her husband, John. From the early signs to the final goodbye, she opens her heart to teach others how to navigate this challenging journey with love, patience, and resilience.

By listening, you will learn:
 ➡️ What early signs may point to dementia
 ➡️ How to handl...

Do you qualify to save big this year?

In this episode of Up Your Average, Caleb Tyner joins Keith and Doug to detail how seniors age 65 or over can deduct up to $12,000 on their federal income tax return through the Big Beautiful Bill.

By listening, you will learn:
- Who qualifies for this deduction
- When the deduction ends
- How to get the most of out the deduction

Connect with us at www.gimbalfinancial.com...