February 6, 2025 • 52 mins
Please join me on my different platforms and follow along my journey towards FIRE.
https://laswell.veteran.cards/
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Transcript
Episode Transcript
Available transcripts are automatically generated. Complete accuracy is not guaranteed.
Speaker 1 (00:00):
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Speaker 2 (00:41):
and the threats to our nations?
They don't't sleep.
They're watching our every moveIran, russia, china, north
Korea, isis, al-qaeda.
They may be watching this rightnow.
Speaker 1 (00:57):
Our military should not be mistaken for our cable
news dad-fest show.
We don't care what you looklike.
We don't care who you voted for, who you worship, what you
worship, who you love it doesn'tmatter if your dad left you
millions when he died, or if youknew who your father was.
Speaker 2 (01:16):
We have been honed into a machine of lethal moving
parts that you would be wise toavoid if you know what's good
for you.
We will not be intimidated, wewill not right back sons and
(01:43):
daughters Military BroadcastRadio, the station that's giving
veterans a voice.
Speaker 3 (01:57):
Find us on the web at mvradious.
I'm a certified financialsocial worker.
I was in the Air Force for 14years and then I paid off
$20,000 of debt while I wasactive duty within three years
as an E3.
So that's kind of like I gotreally into personal finance and
so I've been really passionateabout that ever since and that
(02:20):
was 10, 12 years ago now.
So since then I became a socialworker and now I'm a certified
financial social worker.
So we kind of get into, youknow, dealing with finances but
then also kind of dealing withthe psychology behind finances,
like the, you know, the mentalside of things.
Speaker 4 (02:39):
So Ladies and gentlemen, your battle buddy
when it comes to finances.
Please welcome the fire socialworker, joey Laswell.
Speaker 5 (02:52):
All right, hello everyone, welcome, welcome.
I hope you guys can hear me.
Ok, I got a new microphone andyou know just been off for a
couple of weeks.
You know just been off for acouple of weeks, so thank you
for being patient.
Got some new background stuffthat I'm messing around with, so
excited to be here.
We already got some commentscoming in.
(03:14):
We got looks like Joel MBR talkis here.
Rh train.
Yeah, so can you hear me?
Okay, thumbs up?
Okay, I hope so.
I think I can.
Seems like if you guys couldn'thear me, somebody would let me
(03:36):
know, but I appreciate it Got alittle late start to today.
What do you guys think about thenew camera?
So, I'm using the Canon M50Mark II with the 18 to 35
millimeter lens.
Uh, just, you know, trying itout, do something different.
Um, and uh, yeah, and thenmicrophones it's, it's not new
to me or it's new to me, but uh,it's, uh, it's a pod mic, a
(03:57):
road pod mic.
Um, just wanted to upgrade alittle bit.
It's not anything crazy.
I think it cost me like ahundred bucks used.
So, um, yeah, so I'm justexcited.
You know a lot of stuff goingon.
Um, you know, behind the sceneswith uh, with MBR.
We're working on um, doing a uh,some video game streaming,
(04:21):
which we did a test run, me andJoel, a few weeks ago, or I
guess it's been like a week agonow.
So, yeah, I'm going to be doingsome gaming, some live game
streaming, and the idea wasreally just to.
I enjoy gaming and you know I'malso looking into this.
(04:42):
Geek therapy is a thing.
I don't know if you guys areaware of that, but it's a
certification process that useskind of like geeky, nerdy things
and you provide therapy whiledoing it or while you know.
It's like play therapy, butit's just something different
(05:03):
and obviously I'm a pretty big,big geek, so this is that's like
right up my alley.
So I'm going to start, you know, messing around with that,
playing, playing games and I'mhoping that people will jump in
the stream with me, askquestions.
We can talk.
It would be.
You know, I wouldn't be,obviously I would.
I wouldn't be giving licensedtherapy, but I am a licensed
(05:27):
therapist so I can at leastprovide somebody to talk to.
The idea here is that we'retrying to incorporate gaming
into the NBR platform becauseit's huge's.
It's huge, you know there'sthere's tons of people who are
gamers.
(05:48):
A lot of veterans are gamersand you know we just want to
reach them.
We want to provide otherveterans.
If you're interested in being alive streamer on MBR, come,
come, join us.
You know, you, we have agrowing audience of veterans and
non veterans soeterans so just,you know, really excited about
(06:08):
what MBR has got coming down thepipeline.
So, you know, stay tuned.
We appreciate everybody that'sbeen joining us so far.
It's just been really coolwatching MBR grow.
You know we got podcasters thatare kind of getting called up
to the big leagues, which iskind of cool, like, um, you know
(06:30):
a big grizz shout out to biggrizz gonna be picked up by a
another station, uh, which isbittersweet, you know.
But um, you know we're we'rehappy to see him like flourish
and go and and and do greatthings.
He was doing great thingsbefore and he's just going to
continue doing that on adifferent platform.
So kind of bittersweet but atthe same time, yeah, we're
(06:53):
excited for him.
And, you know, just goes toshow that with MBR, you know
like there's a lot of coolthings you could do with this
platform and, you know, justexcited to be here.
With all that being said, onething we were going to talk
about, or H wanted me to address, is some of these debt
(07:18):
companies that are targetingveterans.
I did a little bit of researchinto them and I guess and we'll
go into it a little bit later onbut but yeah, I do I do want to
talk about some of these kindof shady debt relief companies
(07:38):
that are targeting veterans.
You might have seen theFacebook ads.
Like you know, if you have$200,000 in debt or one hundred
thousand dollars in debt andyou're a veteran, you know it's
like it's kind of feels weirdbecause it's like they're
they're there, definitely seemslike they're advertising in a
way that's like maybe notpredatory, but at least it's.
(07:59):
It's it's trying to reach avulnerable population.
So we'll definitely talk aboutthat a little bit later, but
yeah, so I mean, this is kind ofa.
You know we're doing a live Q&Asession.
So if you guys have any financerelated questions, you know,
shoot them my way.
I'm here to just talk money.
(08:20):
If it's a military related,that's, that's obviously we're
winning the military.
But you know, if, even if it'sjust a general money question,
shoot it, shoot it in the chatand yeah, we'll kind of take it
from there.
But I do have just a backuptopics to discuss just in case
(08:41):
if we don't have a whole lot ofcrowd engagement, which is fine.
But yeah, just you know kind ofwanted to do a pulse check, see
how everyone was doing.
You know we got a lot of stuffgoing on in the world and you
know everyone's kind of worriedabout their finances.
(09:01):
I think a little bit, andunderstandably, you know, with
the federal workers.
I know a few federal workersthat are a little stressed right
now.
So, but this also goes into thefinancial management piece of
you know, kind of being prepared, expecting the unexpected.
So, yeah, having a goodemergency fund, having, you know
(09:23):
in this, in some situations,just having available credit.
You know, for some people youknow they're already hurting on
the credit side of things andyou know an unexpected job loss
will will make it even worse.
So so you know, my death, myheart goes out to those people
who are struggling financially.
Um, you know I'm I'm lookinginto just giving, you know, free
(09:46):
financial counseling to, uh, toveterans and and federal
workers who might be affected.
Uh, you know, if anything, um,I've also been contemplating
doing like, um, like a supportgroup, you know, just for people
who are struggling financially,you, you know, having like a
weekly group call that we could,that we can talk about some of
(10:08):
these financial problemstogether in kind of a safe
environment.
So H-Train asks on the chat howmuch will the tariffs affect us?
And man, that that is.
That's a great question.
Obviously it's top of mind fora lot of people.
It is too early to say honestly, and there's so many moving
(10:33):
parts that it's really going tobe tough to really just, you
know, put a price point or apercentage of you know, because
we're dealing with eggs which isdue to, I think, uh, bird flu.
So I mean that you know there'sjust there's a lot of moving
parts, um, but I mean it isgoing to affect us in in
(10:53):
probably a number of differentways.
Small businesses might getaffected by having to pay more
for raw materials or more justfor general things.
So you know they might have tohave to bring those costs to the
customer, so things might go up.
As far as what industries aregoing to be affected the most,
(11:16):
yeah, it's really hard to sayand with all the global politics
going on too, it's really goingto be interesting, honestly,
because I'm not really sure howit's going to pan out, but I
(11:45):
think in the short term there'sdefinitely going to be some
increases in prices.
So I wish I had a bettercrystal ball number for you guys
.
I wish I had a better crystalball number for you guys.
But, yeah, we'll do some deepdives into that too and just
kind of, you know, try to siftto deal with so.
But yeah, it's, it's going tobe.
(12:07):
It's potentially going to bebumpy, but hopefully, you know,
things will settle down and wewon't get to be too impacted by
the terrorists.
But, but, to be continued,we'll, we'll definitely do some,
some research into you know,like, how, how is that going to
affect everyday consumers andwhat do you think is going to be
impacted the most?
(12:27):
So, good question, and keepthem coming.
But it's crazy time in a lot ofways where there's a lot of
uncertainty.
But that, um, you know that's,that's what you know.
We're social worker.
I'm a social worker and I knowa lot of social workers that I
(12:49):
talk to are, you know they're,they're ready to to basically
help out.
You know that's what we do.
So, um, you know, any everysocial worker that I've talked
to is like is like I'm, I'm here, I'm going to, you know, like
the, my social worker friends atthe VA, you know they're like
I'm not going anywhere and andso, yeah, I mean, I think it's,
(13:09):
it's going to be an interestingtime and I hope that we all can
kind of come together and reallyjust, you know, be Americans
and and really find that thatmiddle ground that we can all
kind of agree on.
And yeah, I'm just, I'm justreally tired of all the, all the
negativity and all the, the, uh, the noise.
So, hopefully, you know, let's,let's have some real
(13:30):
conversations about money andabout these types of things
without like, wanting to, um,you know, bite each other's head
off, um, so, yeah, that'sthat's kind of where, where the
the I mean the tariffs areobviously a very, very
complicated issue and there'snot going to be a real like easy
(13:52):
, easy answer, easy solution forum for how that's going to
impact it.
So it's going to take some time.
And then the tariffs usually itdoes take like almost a year to
18 months to really start tofeel the impacts.
But but, yeah, that's, that'sthe, that's as far as I've seen,
the tariffs, that's, that'swhat.
(14:13):
What I've been, the chatter thatI've been hearing and you know
as it might change, you knowlike we could end up, you know,
negotiating some better, betterrates for the all these
industries that are that mightbe affected.
So so, stay tuned, don't losehope, don't get, don't get all
(14:36):
all you know.
Try to stay away from some ofthe media nowadays, just in
general, because, yeah, just doyour research, find some trusted
sources and, you know, justdon't try not to be, try not to
get all negative on me, you know, don't, let's not lose each
other here, okay, but yeah, sothis is, you know, this is the
(15:03):
current environment that we'rein, and you know we're just
going to have to deal with it,write it out and figure out how
to work together and that's theidea.
All right, well, we're going totake a little bit of a quick
media break and let's see whatwe got.
So Noah Peterson has been mygo-to start-off and I'm I'm
(15:25):
still going to go with him, buthe does have a new album that
seems to be gaining sometraction.
I follow him on Facebook and,yeah, he's starting to get some,
starting to get some some playsand some some venues and some
shows.
So, you know, if you're aveteran, want to be featured on
(15:46):
on MBR, then let us know.
We'll try to put you on on onair.
So get your word out, get yourmusic out there.
So this is Noah Peterson.
Speaker 7 (17:57):
USMC veteran based out of San Antonio.
Here we go, thank you, thankyou.
So opinions expressed in thisprogram are those of the
speakers and do not necessarilyreflect the views or positions
of any entities they represent.
Speaker 2 (18:15):
Find us on the web at mbradious.
Speaker 5 (18:20):
All right, we are back and we have a surprise
guest.
We got H-Train.
I'm going to go ahead and callyou.
Speaker 6 (18:32):
Hey man, How's it going?
I was just thinking of stuff.
Speaker 5 (18:36):
Okay, I didn't know if you wanted to jump in or not,
but I figured out.
It's like a wild Pokemon entersthe arena and it's H-Train, but
yeah how are things going, man?
Speaker 6 (18:50):
They're going good, man, they're going good.
I'm really excited about thisgame thing that we were talking
about.
I'm really excited because youcan pick a game, nbr will buy it
, and then two veterans can sitthere and play that game and
they don't have to worry aboutoh well, you know I'm gonna
spend 70 on this.
You know it's gonna be one ofthose things where, hey, you
(19:13):
know, I want to play this gameand it's gonna be a nice, uh,
togetherness thing yeah, I'mlooking forward to, uh, to,
really honestly, I I want toplay some of the fans and some
of the other podcast hosts.
Speaker 5 (19:27):
I want to play Tony in some NCAA.
Maybe he would destroy me,probably, but just a little bit
of friendly trash talking maybe.
But yeah, I think it'll be coolfor us to, even as NBR, to kind
of game with each other and allthat stuff.
So, yeah, that's that's.
It's exciting.
Got some people jumping in fromNBR talk.
Speaker 6 (19:52):
It is, it is, and you know I'm gonna.
I'm gonna let you control yourshow, cause I don't want to take
the thunder, but I did want tolet you know something that you
might want to talk about.
It's Did want to let you knowsomething that you might want to
talk about.
It's something that recentlyhappened like an update the
federal workforce overhaul.
In the initial weeks followingTrump's second inauguration, the
(20:15):
federal workforce hasexperienced significant changes
under the direction ofgovernment efficiency, doge
initiative Led by Elon Musk.
Actions taken include theinsurance of 26 Executive orders
aimed at Reconstructing federalAgencies, implementing a
federal Hiring freeze, mandatinga return to office for
(20:39):
Employees, canceling numerousContracts, government contracts,
particularly those related Todiversity, equity and inclusion
Initiatives.
These rapid transformationshave led to legal challenges,
employee demoration and over20,000 federal employees Opting
for a deferred resignationprogram.
(21:02):
So I didn't know if you Wantedto talk about that, but you know
that is something that's goingOn and you know I'll tell you
Everybody.
You can watch TikTok.
You can watch Instagram.
You know everybody says thisisn't what the you know, the
main media Wants to watch, and Idon't think it's that.
(21:25):
I think it's they're too quickTo let the picture Play out.
You know, and sometimes, whenyou don't know what's going on
and you, like you know, you'llwalk in the middle of the room
and there's something going on.
You have no idea.
Think of it as so I.
I encourage everybody that'swatching this don't don't, don't
(21:50):
get all mad.
Don't don't don't get upset.
Wait, just wait till it playsout, because usually what they
say is gonna happen doesn'thappen.
Look at tiktok, yeah.
With that being said, I want toscream out of here.
Thank you for letting me crashyour show, joey, yeah yeah,
you're doing amazing, thank you.
Speaker 5 (22:13):
All right, okay, so uh, yeah, we got, I mean,
obviously there's a lot of stuffgoing on, um, in the federal
government and that's affectingpeople's finances.
You got veterans, you know, whoare now like, okay, do I take
the severance, do I um, do Istick with it?
Or you know, like, so I meanit's legitimate concerns that a
(22:35):
lot of people have.
And you know, like, uh, Iactually know one, one person
who, uh, who has basically takenthe, the um, the, the buyout or
whatever you want to call it,uh, and you know they're just
doing that out of out ofnecessity.
You know they want to just get,basically get, um, you know
(22:55):
it's it's their choice andthat's what they want to do, and
so that's what they're going todo.
And you know it's it's theirchoice and that's what they want
to do, and so that's whatthey're going to do.
And you know, like 20, I think20,000 people have already
signed up to do that.
You know so um, it is.
You know that's the situation.
Everyone's situation isdifferent.
I mean, finances obviously arevery personal.
So, um, you know, I don't, Idon't fault anyone for, uh, for
(23:16):
jumping ship Um, and you gottado what you gotta do.
You know so um, but uh, butyeah, like if, if anyone is a
federal employee or you know umis is affected by this, yeah, we
can jump on the stream or youcan ask um ask a question, or
you know um, tell us what it'slike, uh, in the trenches right
(23:38):
now.
So, but yeah, so there isthere's other stuff going on too
, with, like the tariffs.
See, we have you know, canada.
You know there's kind of somegoing back and forth, going on
with Canada, like they'rebasically saying that they're
going to, you know, stop buyingAmerican goods, or things like
(24:00):
that.
So I think it's obviously atense time but, like I said
before, we're going to need totry to work something out,
figure something out and worktogether, yeah.
So let's just try to work thisstuff out if we can, all right.
(24:22):
So we're going to talk a littlebit about what we talked about
the current event stuff.
But as far as military financesgoes, obviously the military
lifestyle is chaotic.
It can be crazy, but there's alot of.
We were going to talk aboutfinancial scams and I wanted to
(24:46):
just highlight that.
These veteran debt reliefcompanies.
You've got to be really, reallycareful with them.
They might have good intentions, but if they're promising you
something that obviously youknow if it sounds too good to be
true, then it probably is.
(25:06):
Um, but yeah, so so there aresome scams involving veterans.
Um, they basically so this isI'm pulling this up from USA
Today but you know, they'retalking about the different
programs that are, at the veryleast, they're, misleading, you
(25:29):
know.
So let's see, there was aveteran loans online loan
refinance program that'sactually backed by the
Department of Veteran Affairs.
So there are some actual, likelegitimately good programs.
You just got to do yourresearch.
You know, just like withanything, and anytime you're
(25:52):
you're parting with your money,you you want to make sure you've
done your due diligence and,yeah, if it does sound too good
to be true, then yeah, probablyit is.
But you got to be careful of thepredatory side of things, where
you know if you're already in atough financial spot, you might
(26:13):
be more prone to you know beingdesperate or being.
You know you're in a vulnerablespot.
You know being desperate or oror or being.
You know you're in a vulnerablespot.
You know, emotionally, probablyyou feel, feel down on yourself
, all these things, so, um, sothat's where these, these kind
of companies can really try toscam you is is in through that
(26:36):
vulnerability and um and so,yeah, you just got to be careful
that I mean this, it's amarketing thing ultimately.
So just be mindful of you knowthey have the Consumer Financial
Protection Bureau, the CFPB,and a lot of these like, if you
do, if you're actually a victimof one of these types of scams,
(26:59):
and please make sure that youtell like you report them to the
CFPB, because otherwise they'rejust going to keep doing what
they're doing, you know.
So you want to, you want tomake sure that you're also
you're protecting yourself, butthen you could also protect
other veterans by reporting anyof these kinds of scams, so yeah
(27:25):
, so there's a few differentones I'm looking at and you've
probably seen a number of themon Facebook.
They seem to like Facebookadvertising, but there's Lower
my Bills, veteran loans online,uh, and yeah, a number there's.
(27:47):
There's actually quite a bitout there.
So, uh, I'll probably do awhole blog post about this and
just kind of like like a publicservice announcement.
You know, just really talkabout what.
What are these?
What are programs are good?
You know, some of them mightlegitimately be good and then
others obviously are going to bereally bad, and maybe there's
(28:10):
some in the middle there.
But anytime you deal with a debtconsolidation or anything like
that, just be, be mindful thatum, there are some unscrupulous
people out there that arewilling to take your money and
have you sign the dotted lineand you don't even truly
understand what you, what yousigned up for.
(28:30):
But, um, uh, that's you knowlike.
So I, as an as a veteranveteran in the financial space,
I'm always looking for differentways to try to protect veterans
, because some people just don'tknow better and they just think
, oh well, yeah, I have all thisdebt and this program is going
(28:51):
to consolidate it for me, justkind of do your due diligence
and read the dotted line.
Kind of do your due diligenceand read the dotted line, and
yeah.
So so that's, we'll talk alittle bit more about that.
Probably, like I said, I'm goingto do a whole blog post about
it.
And if, if there's anything,anything else that comes up you
(29:14):
know that you're, maybe thatgoes, your spidey sense goes off
then me know, because I want toalso hear about these different
programs too that might betargeting and then draw, draw
spotlight to them.
You know, basically, you know,like sunlight is the best
disinfectant for some of theseprograms, so if people know
about them, then they might beprotected against them in the
(29:38):
future.
So all right.
So I guess we're going to takeanother quick media break and
we'll be back with any kind ofuser questions or you know we'll
just we'll talk a little bitmore about some military
finances.
So we're going to keep goingwith Noah Peterson.
I think this is one of hisnewer songs, yeah, off the new
(29:59):
album.
Speaker 4 (32:25):
So Noah Peterson, usmc veteran, and we'll be right
back, thank you.
Speaker 7 (32:33):
Thank you, military broadcast radio, the station
that's giving veterans a voicefind us on the web at mbradious
opinions expressed in thisprogram are those of the
speakers and do not necessarilyreflect the views or positions
(32:53):
of any entities they representfind us on the web at mbradious.
Speaker 5 (33:07):
All right, Hello, hello everyone, Welcome back to
Money in the Military.
This is Military BroadcastRadio and we are giving veterans
a voice and basically it's anonprofit that's helping
veterans launch podcasts.
So I started this journeybasically about a year, a little
over a year ago, I got an emailfrom the VA that basically this
(33:28):
nonprofit was like hey, we helpveterans launch podcasts.
So I was like yes, please, andsigned up and they kind of
helped me get through theinitial, like initial process of
getting a podcast up andrunning and they've just been a
great group of people allveterans, all first responders
(33:51):
that are just trying to helpeach other and it's a great
community, All right.
So we got a comment fromAverage Asia.
I like that name as a halfAsian man.
So, hello, from YouTubes, Thankyou for joining us.
So, yeah, this is, you know,this is my podcast.
(34:14):
That has been, you know, like awhole evolving, growing thing
ever since the day we started it.
But you know, I interviewveterans on here that are, you
know, either going through theirown financial problems or, you
know, maybe they've got somesuccess and they want to share
their success with people, withother veterans, other military
(34:35):
veterans or military members,other military veterans or
military members.
So, actually, for someprogramming next week, we're
going to try to get an oldfriend of mine named Robbie
Salazar.
We were stationed together backin 2000, mid to late 2000s in
Las Vegas.
We were at Creece Air ForceBase together and we worked with
(34:58):
the drones, the Predators.
But yeah, we're going to havehim on the show, him and his
wife, and we're going to kind ofdo like a little bit of a case
study and talk about theirsituation, his transition out of
the military, some of thethings that he's done right and
(35:20):
maybe a few things that he'sdone not so great that he wants
to share with everyone.
So, uh, you know, if you have asimilar story or if you want to
be a case study on on the show,uh, that would be.
You know, just, just, um, reachout to me and we'll, we'll get
you on the show, Cause, you know, part part of the whole
reasoning behind this show wasto help people, you know, on air
with their finances.
So, you know, I was imagininglike a Dave Ramsey type of show,
(35:43):
but instead of like beingyelled at, you know, you
actually have somebody that'sbeing nice to you and
understanding your situation.
Um, because I I've I've made myshare of poor financial
decisions, and we're all human.
So why do you want to be yelledat for a decision that you made
(36:06):
?
Maybe it wasn't the rightdecision, but I don't know,
that's just me.
I don't like to yell.
I don't like to be yelled at,but I mean, I respect Dave
Ramsey, Don't get me wrong.
I basically got out of debtbecause of his book, the Total
Money.
His camp I definitely respect.
(36:45):
He's one of the OGs of thepersonal finance world, and the
interesting thing about financesis that it is very personal and
so what worked for some peoplemight not necessarily work for
everybody else.
So so that's the other thingabout not comparing yourself to
anybody your peers or yourfamily, your friends like don't,
(37:06):
don't do it.
Just don't compare yourself toyour peers.
You know, even if you're, evenif you're looking down, like, if
you're at a better, betterposition, don't, don't do that
either.
You know, like just just kindof, you know, staying, staying
in your, in your wheelhouse,stay in your lane and just focus
on yourself and everything will, kind of like, eventually work
out.
But but yeah, excited to haveRobbie on the show next week and
(37:31):
his wife Becky, and it'll becool to catch up, because I
haven't seen his pretty face andin in quite a few years now,
cause I haven't seen his prettyface and in in quite a few years
now.
So but yeah, looking forward tothat.
And as far as on the horizon,you know, I've got a few things,
a few irons in the fire.
I do have a, a graphic novelthat I've been working on,
(37:53):
publishing that on sub stackevery week and basically getting
down to the wire.
It's going to be a 10 chaptergraphic novel and it's called
the social worker, and I'll goahead and do a little self self
promotion, but yeah, it's justthis little, uh, you know, fun
little project that I that Istarted working on and I just
(38:14):
wanted to.
I wanted representation ofsocial workers to be different,
so I, I basically created asocial worker superhero kind of
thing where this social workergets superpowers, and yeah, so
it's just been a fun littleproject and I'm working on the
(38:36):
second to last chapter and sotwo more weeks will be the final
or the finale.
So, uh, excited about that it's.
It's nothing, you know, nothingtoo crazy, nothing to it, you
know, but it's just been kind ofa labor of love, a passion
project.
But, uh, stay tuned for thethrilling climax of of the the
social worker graphic novel.
(38:57):
Um, but yeah, I'm also workingbehind the scenes.
The financial independencecounseling is my, I guess my
umbrella company and so I'vebeen providing financial
counseling and coaching underthat umbrella and we're going to
do kind of like a rebrand, arelaunch, um, so we got got some
(39:21):
things going there which isreally exciting.
And yeah, I mean, you know,there's a lot, a lot of cool
things happening.
I'm trying to sell my house andworking on that took.
I basically got an offer andwe're going to.
We're going to try to moveforward with that and, as part
of my financial picture, havingthis house has been, you know, a
(39:42):
money drain.
So I'm really looking forwardto getting out from under this
house and making a little bit ofmoney on the side to basically
help me pay off my debts,because I still have debts.
You know, going back to school,I have debts and so that's the
thing.
Even as a financial coach, Ihave my own personal financial
(40:06):
situation that I'm trying todeal with and I just bring that
to the table whenever I'mworking with my clients.
So, if you are interested, Igenerally don't advertise for
myself because I just I don'tknow, I feel weird about it.
But you know, at the same time,you know I've been told that I
(40:29):
do need to just throw it outthere every once in a while,
because you never know who mightneed to hear this or who might
need to.
You know they can reach out tome and it's just like a free
consultation, um, and just wetalk money, we talk about your
situation, we try to figure outlike, okay, where, where are you
?
Where are you trying to go?
Where?
Where are you at right now?
(40:50):
And then we come up with a gameplan to try to get you there.
So it's no pressure, it's nolike.
Like I said, I'm I'm not thetype to to, uh, give you a hard
time Maybe, maybe ingest alittle bit, but ultimately, um,
I'm here to support, I'm afinancial social worker, um, and
(41:12):
a licensed social worker.
So, um, you know, this is thisis what I was made for.
So, if you're interested, hitme up, dm me.
You know we can do a freeconsultation, all that good
stuff.
But all that to say is that youknow I'm passionate looking at
(41:43):
getting my certification inAFCPE, which is another form of
financial coaching, counseling.
So I'm trying to, you know,beef up the.
You know the three letteracronyms on my, on my name, but
ultimately, all that to say isthat I do care about helping
(42:03):
people with their finances.
And you know that's that's kindof like my I mentioned in a
previous episode but my Ikigai,it's a Japanese concept where
you basically have your skillsand your, you know your
strengths, and it's alsosomething that people want to
pay for and that you know.
So it's like a whole confluenceof all these different factors
(42:26):
that come into play.
And I think this is my icky guy,you know, like helping people
with their finances or even justtalking about finances with
people.
Like I'm one of those nerdytypes that will literally, you
know, just talk stuff with, talkfinances with people, you know.
So, even if you don't want to,you know, use my services.
(42:48):
You can at least pick my brain,and I love talking finances.
So if you're a finance nerd,hit me up and you know, maybe we
can have have you on the, youon the show, Cause, uh, like I
said, I'm I'm always down tolearn, I'm always down to grow
and develop and I, oh, everytime I have a guest on here, I
(43:09):
always learn something or Ialways like find some new rabbit
hole to learn about.
So it's just been one of thegreat things about podcasting,
honestly, has just been how muchI've learned along this journey
with all the people that I'veinterviewed and the questions
that I've taken on air.
So, just, you know, I'm justhappy, happy to be doing this
(43:31):
and excited to see what the nextchapter brings.
You know this is season two.
I guess we're taught we'recalling it season two now, you
know this is season two.
I guess we're taught we'recalling it season two.
Now, um, and you know, likewe're, we're just having fun.
You know, I I'm making my as youmight as you probably can see
if you've watched the showbefore is got some new
(43:54):
background stuff.
I actually switched offices.
So this is my new officelocation and, you know, just
wanted to spruce up a little bit, you know, and add a little bit
of flair to it, maybe somepersonalization.
So, yeah, give me some feedback.
Obviously, it's still a work inprogress and I'm still working
(44:14):
on the video side of things.
I kind of want to get ittweaked, just right, but any
feedback is greatly appreciated.
I think I've been going on arant for the last couple of
minutes, so I apologize, but youknow we're live.
This is truly a live broadcast.
(44:36):
So it is now 6.51 pm and, yeah,we're um, cut, cut.
We're actually counting downthe time.
We've only got about eight ornine minutes left and, um, you
know, just wanted to throw thisout there as as a as a helping
(44:57):
professional, you know, uh,we're.
You know, well, the helpingprofessionals are here to help,
obviously, but uh, you knowwe're not going anywhere.
Um, but um you know well, thehelping professionals are here
to help, obviously, but you knowwe're not going anywhere.
But you know like I hope thatyou can.
If you know a social worker,you know a therapist, you know
somebody in your life who's ahelping professional, you know,
(45:20):
say thanks.
It's always nice to beappreciated and I think you know
we're starting to see more andmore of that.
And you know the social workcommunity is is really broad.
But you know we're we're hereto help.
So, and as a financial socialwork, I'm here to help not just
with the actual numbers but theactual psychology and the
(45:43):
feelings behind finance.
Because, let's be real, a lotof people just don't know how to
feel about finances.
Let's just talk about that alittle bit.
Most of us learn our financialprogramming by the time where, I
(46:04):
think, we're like six, sevenyears old.
We already learn about financesfrom our parents and our family
.
So a lot of this stuff isdeeply ingrained and we don't
even realize why we do thefinancial things that we do,
even like how we look atinvesting or how we look at
spending, or some people seetheir paycheck is like I got to
(46:28):
spend it Otherwise.
You know, like if it's there,I'm going to spend it, and other
people see their money as well.
I need to save this for a rainyday, you know.
So that just goes to show thespectrum of, like, some people
are natural savers, some peopleare natural spenders, and I
think there is a good chunk ofpeople who are somewhere in
between.
Um, I think there's also peoplethat and I'm guilty of this
(46:53):
where you'll do really good forlike a week or a couple of weeks
or a month, like you.
You know, it's almost likebeing on a diet where you're
like, okay, yeah, I'm notspending any money this week,
and then you go two weeks, threeweeks, whatever, and then you
kind of you kind of have a, amoment of weakness, and maybe
amazon, it may be walmart, but,uh, target we, we all have our
(47:16):
weaknesses sometimes.
So if that happens to you, youknow, just be, be kind to
yourself and don't, don't, don'tbe so, so hard on yourself, I
guess, um, but if you're, ifyou're obviously doing it too
much, then yeah, maybe you needhelp, maybe you need to talk to
somebody, a trusted friend orcoworker, or just anybody that
(47:41):
you know is decent with finances.
Uh, that's one of the thingsthat I basically try to preach
to people is that you don't haveto seek out a financial
professional.
You just seek out somebodywho's more experienced with
finances than you.
That's really what it comesdown to.
(48:01):
One thing I learned in the AirForce was there's a whole lot of
people out there that have very, very advanced knowledge on
finances, but they kind of keepit to themselves sometimes.
So when I started doing mybriefings and stuff, I saw I
noticed that there were, therewere some people nodding their
heads and they were like yeah,okay, yeah, that's.
(48:22):
But then I also realized, or Inoticed, that there, you know,
after the the briefings, peoplewould want to talk to me like
offline and you know, like so,so, um, yeah, like, if you know
somebody who's really savvy withmoney, most times they want to
share that knowledge too.
So, uh, you would be surprisedhow many, how many people who
(48:43):
are self-taught, eithermillionaires or they're about to
be millionaires down the road,and they, they're just, they
just want to share thatknowledge.
So, um, if you have a richuncle, you know, don't, don't
act like, don't, don't go up tothem saying you're gonna, you
know you want money, but youknow, teach, basically teach
(49:04):
person how to fish kind of thing.
Like teach me what you knowabout finances so that I can
learn and basically do what youdo.
So yeah, so that's that's kindof my advice and, like I said
before, you're always welcome tohit me up, send me a message
and I will probably jump on acall with you and just just talk
(49:27):
, um, so yeah, so that's prettymuch the show.
Um, you know, like, uh, wecovered a little bit of
everything current events, um,some top, you know, just general
topics about finance.
So, uh, thank you for everybodywho's who's joined in, uh, and
who might watch on the tail end.
(49:49):
I know that watching anhour-long stream is difficult
these days, so be on lookout forthe.
I use Opus Clips.
I'll just be honest.
Opus Clips is like an AI toolthat does all the video editing
for me, and I just can't bebothered to do that right now,
(50:12):
but it works for the most partand so, yeah, hopefully we'll
get some bite-sized clips out ofthis.
And you know, if you'reinterested in being part of a
future show, you can directmessage me, find me on LinkedIn,
you can find me on Instagram,all the different platforms, and
yeah, so I really, reallyappreciate everyone's time and
(50:34):
you know, if you're watching onthe MBR app, which is a new app,
and I would encourage you toupdate if you already have the
app, because we did.
We did do a pretty cool updatefor the MBR app.
We're also on all the differentplatforms, like you can see up
there MBRadio, on Roku, on FireTV, instagram, facebook X all
(50:59):
those cool places.
So I'm being mindful of my time, I don't want to step on
anyone's toes and I want to makesure that we keep it a nice
tight time frame there.
So, so, yeah, thank youeveryone for joining.
Please check out all thedifferent NBR content out there
(51:21):
into the weeds.
And just reached a thousandsubscribers.
So congrats, amber, for that.
That's awesome.
Um, yeah, so help help us growMBR.
We're here and we're not goinganywhere.
So, and then, keep an eye outfor the video game streaming.
Um, I'll be probably streamingunder the MBR uh account.
(51:44):
So, uh, so that's pretty muchall I got.
So thanks everybody for joiningin.
Take care and watch yourfinances If.
If you don't watch them, thenlet me watch them for you.
Okay, all right, we'll talk toyou guys later, thanks.
Speaker 4 (52:00):
Ladies and gentlemen, thank you for tuning in to
Military Broadcast Radio.
As we wrap up today's show, wewant to remind you that the
podcast of today's episode willbe available right after we go
off the air, so if you missedany part of the show or want to
listen again, be sure to checkit out.
(52:22):
And remember we're here tosupport and honor our veterans.
Your stories and experiencesmatter and we are committed to
giving you a platform to sharethem.
That's right.
We're here to give our veteransa voice, so don't forget to
(52:42):
catch the podcast and stayconnected with us Giving our
veterans a voice.
Introducing LT Defense Tactical Gear, your
ultimate solution for top-notchprotection and performance in
the field.
Our armor bundles provideunmatched safety and comfort,
while our battle belts andholsters ensure quick and easy
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(00:21):
Looking to enhance your skillsskills, our firearms training
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Trust lt defense for all yourtactical gear needs and gear up
for success on the battlefieldthis entire military is one
cohesive, dedicated force.
Speaker 2 (00:41):
and the threats to our nations?
They don't't sleep.
They're watching our every moveIran, russia, china, north
Korea, isis, al-qaeda.
They may be watching this rightnow.
Speaker 1 (00:57):
Our military should not be mistaken for our cable
news dad-fest show.
We don't care what you looklike.
We don't care who you voted for, who you worship, what you
worship, who you love it doesn'tmatter if your dad left you
millions when he died, or if youknew who your father was.
Speaker 2 (01:16):
We have been honed into a machine of lethal moving
parts that you would be wise toavoid if you know what's good
for you.
We will not be intimidated, wewill not right back sons and
(01:43):
daughters Military BroadcastRadio, the station that's giving
veterans a voice.
Speaker 3 (01:57):
Find us on the web at mvradious.
I'm a certified financialsocial worker.
I was in the Air Force for 14years and then I paid off
$20,000 of debt while I wasactive duty within three years
as an E3.
So that's kind of like I gotreally into personal finance and
so I've been really passionateabout that ever since and that
(02:20):
was 10, 12 years ago now.
So since then I became a socialworker and now I'm a certified
financial social worker.
So we kind of get into, youknow, dealing with finances but
then also kind of dealing withthe psychology behind finances,
like the, you know, the mentalside of things.
Speaker 4 (02:39):
So Ladies and gentlemen, your battle buddy
when it comes to finances.
Please welcome the fire socialworker, joey Laswell.
Speaker 5 (02:52):
All right, hello everyone, welcome, welcome.
I hope you guys can hear me.
Ok, I got a new microphone andyou know just been off for a
couple of weeks.
You know just been off for acouple of weeks, so thank you
for being patient.
Got some new background stuffthat I'm messing around with, so
excited to be here.
We already got some commentscoming in.
(03:14):
We got looks like Joel MBR talkis here.
Rh train.
Yeah, so can you hear me?
Okay, thumbs up?
Okay, I hope so.
I think I can.
Seems like if you guys couldn'thear me, somebody would let me
(03:36):
know, but I appreciate it Got alittle late start to today.
What do you guys think about thenew camera?
So, I'm using the Canon M50Mark II with the 18 to 35
millimeter lens.
Uh, just, you know, trying itout, do something different.
Um, and uh, yeah, and thenmicrophones it's, it's not new
to me or it's new to me, but uh,it's, uh, it's a pod mic, a
(03:57):
road pod mic.
Um, just wanted to upgrade alittle bit.
It's not anything crazy.
I think it cost me like ahundred bucks used.
So, um, yeah, so I'm justexcited.
You know a lot of stuff goingon.
Um, you know, behind the sceneswith uh, with MBR.
We're working on um, doing a uh,some video game streaming,
(04:21):
which we did a test run, me andJoel, a few weeks ago, or I
guess it's been like a week agonow.
So, yeah, I'm going to be doingsome gaming, some live game
streaming, and the idea wasreally just to.
I enjoy gaming and you know I'malso looking into this.
(04:42):
Geek therapy is a thing.
I don't know if you guys areaware of that, but it's a
certification process that useskind of like geeky, nerdy things
and you provide therapy whiledoing it or while you know.
It's like play therapy, butit's just something different
(05:03):
and obviously I'm a pretty big,big geek, so this is that's like
right up my alley.
So I'm going to start, you know, messing around with that,
playing, playing games and I'mhoping that people will jump in
the stream with me, askquestions.
We can talk.
It would be.
You know, I wouldn't be,obviously I would.
I wouldn't be giving licensedtherapy, but I am a licensed
(05:27):
therapist so I can at leastprovide somebody to talk to.
The idea here is that we'retrying to incorporate gaming
into the NBR platform becauseit's huge's.
It's huge, you know there'sthere's tons of people who are
gamers.
(05:48):
A lot of veterans are gamersand you know we just want to
reach them.
We want to provide otherveterans.
If you're interested in being alive streamer on MBR, come,
come, join us.
You know, you, we have agrowing audience of veterans and
non veterans soeterans so just,you know, really excited about
(06:08):
what MBR has got coming down thepipeline.
So, you know, stay tuned.
We appreciate everybody that'sbeen joining us so far.
It's just been really coolwatching MBR grow.
You know we got podcasters thatare kind of getting called up
to the big leagues, which iskind of cool, like, um, you know
(06:30):
a big grizz shout out to biggrizz gonna be picked up by a
another station, uh, which isbittersweet, you know.
But um, you know we're we'rehappy to see him like flourish
and go and and and do greatthings.
He was doing great thingsbefore and he's just going to
continue doing that on adifferent platform.
So kind of bittersweet but atthe same time, yeah, we're
(06:53):
excited for him.
And, you know, just goes toshow that with MBR, you know
like there's a lot of coolthings you could do with this
platform and, you know, justexcited to be here.
With all that being said, onething we were going to talk
about, or H wanted me to address, is some of these debt
(07:18):
companies that are targetingveterans.
I did a little bit of researchinto them and I guess and we'll
go into it a little bit later onbut but yeah, I do I do want to
talk about some of these kindof shady debt relief companies
(07:38):
that are targeting veterans.
You might have seen theFacebook ads.
Like you know, if you have$200,000 in debt or one hundred
thousand dollars in debt andyou're a veteran, you know it's
like it's kind of feels weirdbecause it's like they're
they're there, definitely seemslike they're advertising in a
way that's like maybe notpredatory, but at least it's.
(07:59):
It's it's trying to reach avulnerable population.
So we'll definitely talk aboutthat a little bit later, but
yeah, so I mean, this is kind ofa.
You know we're doing a live Q&Asession.
So if you guys have any financerelated questions, you know,
shoot them my way.
I'm here to just talk money.
(08:20):
If it's a military related,that's, that's obviously we're
winning the military.
But you know, if, even if it'sjust a general money question,
shoot it, shoot it in the chatand yeah, we'll kind of take it
from there.
But I do have just a backuptopics to discuss just in case
(08:41):
if we don't have a whole lot ofcrowd engagement, which is fine.
But yeah, just you know kind ofwanted to do a pulse check, see
how everyone was doing.
You know we got a lot of stuffgoing on in the world and you
know everyone's kind of worriedabout their finances.
(09:01):
I think a little bit, andunderstandably, you know, with
the federal workers.
I know a few federal workersthat are a little stressed right
now.
So, but this also goes into thefinancial management piece of
you know, kind of being prepared, expecting the unexpected.
So, yeah, having a goodemergency fund, having, you know
(09:23):
in this, in some situations,just having available credit.
You know, for some people youknow they're already hurting on
the credit side of things andyou know an unexpected job loss
will will make it even worse.
So so you know, my death, myheart goes out to those people
who are struggling financially.
Um, you know I'm I'm lookinginto just giving, you know, free
(09:46):
financial counseling to, uh, toveterans and and federal
workers who might be affected.
Uh, you know, if anything, um,I've also been contemplating
doing like, um, like a supportgroup, you know, just for people
who are struggling financially,you, you know, having like a
weekly group call that we could,that we can talk about some of
(10:08):
these financial problemstogether in kind of a safe
environment.
So H-Train asks on the chat howmuch will the tariffs affect us?
And man, that that is.
That's a great question.
Obviously it's top of mind fora lot of people.
It is too early to say honestly, and there's so many moving
(10:33):
parts that it's really going tobe tough to really just, you
know, put a price point or apercentage of you know, because
we're dealing with eggs which isdue to, I think, uh, bird flu.
So I mean that you know there'sjust there's a lot of moving
parts, um, but I mean it isgoing to affect us in in
(10:53):
probably a number of differentways.
Small businesses might getaffected by having to pay more
for raw materials or more justfor general things.
So you know they might have tohave to bring those costs to the
customer, so things might go up.
As far as what industries aregoing to be affected the most,
(11:16):
yeah, it's really hard to sayand with all the global politics
going on too, it's really goingto be interesting, honestly,
because I'm not really sure howit's going to pan out, but I
(11:45):
think in the short term there'sdefinitely going to be some
increases in prices.
So I wish I had a bettercrystal ball number for you guys
.
I wish I had a better crystalball number for you guys.
But, yeah, we'll do some deepdives into that too and just
kind of, you know, try to siftto deal with so.
But yeah, it's, it's going tobe.
(12:07):
It's potentially going to bebumpy, but hopefully, you know,
things will settle down and wewon't get to be too impacted by
the terrorists.
But, but, to be continued,we'll, we'll definitely do some,
some research into you know,like, how, how is that going to
affect everyday consumers andwhat do you think is going to be
impacted the most?
(12:27):
So, good question, and keepthem coming.
But it's crazy time in a lot ofways where there's a lot of
uncertainty.
But that, um, you know that's,that's what you know.
We're social worker.
I'm a social worker and I knowa lot of social workers that I
(12:49):
talk to are, you know they're,they're ready to to basically
help out.
You know that's what we do.
So, um, you know, any everysocial worker that I've talked
to is like is like I'm, I'm here, I'm going to, you know, like
the, my social worker friends atthe VA, you know they're like
I'm not going anywhere and andso, yeah, I mean, I think it's,
(13:09):
it's going to be an interestingtime and I hope that we all can
kind of come together and reallyjust, you know, be Americans
and and really find that thatmiddle ground that we can all
kind of agree on.
And yeah, I'm just, I'm justreally tired of all the, all the
negativity and all the, the, uh, the noise.
So, hopefully, you know, let's,let's have some real
(13:30):
conversations about money andabout these types of things
without like, wanting to, um,you know, bite each other's head
off, um, so, yeah, that'sthat's kind of where, where the
the I mean the tariffs areobviously a very, very
complicated issue and there'snot going to be a real like easy
(13:52):
, easy answer, easy solution forum for how that's going to
impact it.
So it's going to take some time.
And then the tariffs usually itdoes take like almost a year to
18 months to really start tofeel the impacts.
But but, yeah, that's, that'sthe, that's as far as I've seen,
the tariffs, that's, that'swhat.
(14:13):
What I've been, the chatter thatI've been hearing and you know
as it might change, you knowlike we could end up, you know,
negotiating some better, betterrates for the all these
industries that are that mightbe affected.
So so, stay tuned, don't losehope, don't get, don't get all
(14:36):
all you know.
Try to stay away from some ofthe media nowadays, just in
general, because, yeah, just doyour research, find some trusted
sources and, you know, justdon't try not to be, try not to
get all negative on me, you know, don't, let's not lose each
other here, okay, but yeah, sothis is, you know, this is the
(15:03):
current environment that we'rein, and you know we're just
going to have to deal with it,write it out and figure out how
to work together and that's theidea.
All right, well, we're going totake a little bit of a quick
media break and let's see whatwe got.
So Noah Peterson has been mygo-to start-off and I'm I'm
(15:25):
still going to go with him, buthe does have a new album that
seems to be gaining sometraction.
I follow him on Facebook and,yeah, he's starting to get some,
starting to get some some playsand some some venues and some
shows.
So, you know, if you're aveteran, want to be featured on
(15:46):
on MBR, then let us know.
We'll try to put you on on onair.
So get your word out, get yourmusic out there.
So this is Noah Peterson.
Speaker 7 (17:57):
USMC veteran based out of San Antonio.
Here we go, thank you, thankyou.
So opinions expressed in thisprogram are those of the
speakers and do not necessarilyreflect the views or positions
of any entities they represent.
Speaker 2 (18:15):
Find us on the web at mbradious.
Speaker 5 (18:20):
All right, we are back and we have a surprise
guest.
We got H-Train.
I'm going to go ahead and callyou.
Speaker 6 (18:32):
Hey man, How's it going?
I was just thinking of stuff.
Speaker 5 (18:36):
Okay, I didn't know if you wanted to jump in or not,
but I figured out.
It's like a wild Pokemon entersthe arena and it's H-Train, but
yeah how are things going, man?
Speaker 6 (18:50):
They're going good, man, they're going good.
I'm really excited about thisgame thing that we were talking
about.
I'm really excited because youcan pick a game, nbr will buy it
, and then two veterans can sitthere and play that game and
they don't have to worry aboutoh well, you know I'm gonna
spend 70 on this.
You know it's gonna be one ofthose things where, hey, you
(19:13):
know, I want to play this gameand it's gonna be a nice, uh,
togetherness thing yeah, I'mlooking forward to, uh, to,
really honestly, I I want toplay some of the fans and some
of the other podcast hosts.
Speaker 5 (19:27):
I want to play Tony in some NCAA.
Maybe he would destroy me,probably, but just a little bit
of friendly trash talking maybe.
But yeah, I think it'll be coolfor us to, even as NBR, to kind
of game with each other and allthat stuff.
So, yeah, that's that's.
It's exciting.
Got some people jumping in fromNBR talk.
Speaker 6 (19:52):
It is, it is, and you know I'm gonna.
I'm gonna let you control yourshow, cause I don't want to take
the thunder, but I did want tolet you know something that you
might want to talk about.
It's Did want to let you knowsomething that you might want to
talk about.
It's something that recentlyhappened like an update the
federal workforce overhaul.
In the initial weeks followingTrump's second inauguration, the
(20:15):
federal workforce hasexperienced significant changes
under the direction ofgovernment efficiency, doge
initiative Led by Elon Musk.
Actions taken include theinsurance of 26 Executive orders
aimed at Reconstructing federalAgencies, implementing a
federal Hiring freeze, mandatinga return to office for
(20:39):
Employees, canceling numerousContracts, government contracts,
particularly those related Todiversity, equity and inclusion
Initiatives.
These rapid transformationshave led to legal challenges,
employee demoration and over20,000 federal employees Opting
for a deferred resignationprogram.
(21:02):
So I didn't know if you Wantedto talk about that, but you know
that is something that's goingOn and you know I'll tell you
Everybody.
You can watch TikTok.
You can watch Instagram.
You know everybody says thisisn't what the you know, the
main media Wants to watch, and Idon't think it's that.
(21:25):
I think it's they're too quickTo let the picture Play out.
You know, and sometimes, whenyou don't know what's going on
and you, like you know, you'llwalk in the middle of the room
and there's something going on.
You have no idea.
Think of it as so I.
I encourage everybody that'swatching this don't don't, don't
(21:50):
get all mad.
Don't don't don't get upset.
Wait, just wait till it playsout, because usually what they
say is gonna happen doesn'thappen.
Look at tiktok, yeah.
With that being said, I want toscream out of here.
Thank you for letting me crashyour show, joey, yeah yeah,
you're doing amazing, thank you.
Speaker 5 (22:13):
All right, okay, so uh, yeah, we got, I mean,
obviously there's a lot of stuffgoing on, um, in the federal
government and that's affectingpeople's finances.
You got veterans, you know, whoare now like, okay, do I take
the severance, do I um, do Istick with it?
Or you know, like, so I meanit's legitimate concerns that a
(22:35):
lot of people have.
And you know, like, uh, Iactually know one, one person
who, uh, who has basically takenthe, the um, the, the buyout or
whatever you want to call it,uh, and you know they're just
doing that out of out ofnecessity.
You know they want to just get,basically get, um, you know
(22:55):
it's it's their choice andthat's what they want to do, and
so that's what they're going todo.
And you know it's it's theirchoice and that's what they want
to do, and so that's whatthey're going to do.
And you know, like 20, I think20,000 people have already
signed up to do that.
You know so um, it is.
You know that's the situation.
Everyone's situation isdifferent.
I mean, finances obviously arevery personal.
So, um, you know, I don't, Idon't fault anyone for, uh, for
(23:16):
jumping ship Um, and you gottado what you gotta do.
You know so um, but uh, butyeah, like if, if anyone is a
federal employee or you know umis is affected by this, yeah, we
can jump on the stream or youcan ask um ask a question, or
you know um, tell us what it'slike, uh, in the trenches right
(23:38):
now.
So, but yeah, so there isthere's other stuff going on too
, with, like the tariffs.
See, we have you know, canada.
You know there's kind of somegoing back and forth, going on
with Canada, like they'rebasically saying that they're
going to, you know, stop buyingAmerican goods, or things like
(24:00):
that.
So I think it's obviously atense time but, like I said
before, we're going to need totry to work something out,
figure something out and worktogether, yeah.
So let's just try to work thisstuff out if we can, all right.
(24:22):
So we're going to talk a littlebit about what we talked about
the current event stuff.
But as far as military financesgoes, obviously the military
lifestyle is chaotic.
It can be crazy, but there's alot of.
We were going to talk aboutfinancial scams and I wanted to
(24:46):
just highlight that.
These veteran debt reliefcompanies.
You've got to be really, reallycareful with them.
They might have good intentions, but if they're promising you
something that obviously youknow if it sounds too good to be
true, then it probably is.
(25:06):
Um, but yeah, so so there aresome scams involving veterans.
Um, they basically so this isI'm pulling this up from USA
Today but you know, they'retalking about the different
programs that are, at the veryleast, they're, misleading, you
(25:29):
know.
So let's see, there was aveteran loans online loan
refinance program that'sactually backed by the
Department of Veteran Affairs.
So there are some actual, likelegitimately good programs.
You just got to do yourresearch.
You know, just like withanything, and anytime you're
(25:52):
you're parting with your money,you you want to make sure you've
done your due diligence and,yeah, if it does sound too good
to be true, then yeah, probablyit is.
But you got to be careful of thepredatory side of things, where
you know if you're already in atough financial spot, you might
(26:13):
be more prone to you know beingdesperate or being.
You know you're in a vulnerablespot.
You know being desperate or oror or being.
You know you're in a vulnerablespot.
You know, emotionally, probablyyou feel, feel down on yourself
, all these things, so, um, sothat's where these, these kind
of companies can really try toscam you is is in through that
(26:36):
vulnerability and um and so,yeah, you just got to be careful
that I mean this, it's amarketing thing ultimately.
So just be mindful of you knowthey have the Consumer Financial
Protection Bureau, the CFPB,and a lot of these like, if you
do, if you're actually a victimof one of these types of scams,
(26:59):
and please make sure that youtell like you report them to the
CFPB, because otherwise they'rejust going to keep doing what
they're doing, you know.
So you want to, you want tomake sure that you're also
you're protecting yourself, butthen you could also protect
other veterans by reporting anyof these kinds of scams, so yeah
(27:25):
, so there's a few differentones I'm looking at and you've
probably seen a number of themon Facebook.
They seem to like Facebookadvertising, but there's Lower
my Bills, veteran loans online,uh, and yeah, a number there's.
(27:47):
There's actually quite a bitout there.
So, uh, I'll probably do awhole blog post about this and
just kind of like like a publicservice announcement.
You know, just really talkabout what.
What are these?
What are programs are good?
You know, some of them mightlegitimately be good and then
others obviously are going to bereally bad, and maybe there's
(28:10):
some in the middle there.
But anytime you deal with a debtconsolidation or anything like
that, just be, be mindful thatum, there are some unscrupulous
people out there that arewilling to take your money and
have you sign the dotted lineand you don't even truly
understand what you, what yousigned up for.
(28:30):
But, um, uh, that's you knowlike.
So I, as an as a veteranveteran in the financial space,
I'm always looking for differentways to try to protect veterans
, because some people just don'tknow better and they just think
, oh well, yeah, I have all thisdebt and this program is going
(28:51):
to consolidate it for me, justkind of do your due diligence
and read the dotted line.
Kind of do your due diligenceand read the dotted line, and
yeah.
So so that's, we'll talk alittle bit more about that.
Probably, like I said, I'm goingto do a whole blog post about
it.
And if, if there's anything,anything else that comes up you
(29:14):
know that you're, maybe thatgoes, your spidey sense goes off
then me know, because I want toalso hear about these different
programs too that might betargeting and then draw, draw
spotlight to them.
You know, basically, you know,like sunlight is the best
disinfectant for some of theseprograms, so if people know
about them, then they might beprotected against them in the
(29:38):
future.
So all right.
So I guess we're going to takeanother quick media break and
we'll be back with any kind ofuser questions or you know we'll
just we'll talk a little bitmore about some military
finances.
So we're going to keep goingwith Noah Peterson.
I think this is one of hisnewer songs, yeah, off the new
(29:59):
album.
Speaker 4 (32:25):
So Noah Peterson, usmc veteran, and we'll be right
back, thank you.
Speaker 7 (32:33):
Thank you, military broadcast radio, the station
that's giving veterans a voicefind us on the web at mbradious
opinions expressed in thisprogram are those of the
speakers and do not necessarilyreflect the views or positions
(32:53):
of any entities they representfind us on the web at mbradious.
Speaker 5 (33:07):
All right, Hello, hello everyone, Welcome back to
Money in the Military.
This is Military BroadcastRadio and we are giving veterans
a voice and basically it's anonprofit that's helping
veterans launch podcasts.
So I started this journeybasically about a year, a little
over a year ago, I got an emailfrom the VA that basically this
(33:28):
nonprofit was like hey, we helpveterans launch podcasts.
So I was like yes, please, andsigned up and they kind of
helped me get through theinitial, like initial process of
getting a podcast up andrunning and they've just been a
great group of people allveterans, all first responders
(33:51):
that are just trying to helpeach other and it's a great
community, All right.
So we got a comment fromAverage Asia.
I like that name as a halfAsian man.
So, hello, from YouTubes, Thankyou for joining us.
So, yeah, this is, you know,this is my podcast.
(34:14):
That has been, you know, like awhole evolving, growing thing
ever since the day we started it.
But you know, I interviewveterans on here that are, you
know, either going through theirown financial problems or, you
know, maybe they've got somesuccess and they want to share
their success with people, withother veterans, other military
(34:35):
veterans or military members,other military veterans or
military members.
So, actually, for someprogramming next week, we're
going to try to get an oldfriend of mine named Robbie
Salazar.
We were stationed together backin 2000, mid to late 2000s in
Las Vegas.
We were at Creece Air ForceBase together and we worked with
(34:58):
the drones, the Predators.
But yeah, we're going to havehim on the show, him and his
wife, and we're going to kind ofdo like a little bit of a case
study and talk about theirsituation, his transition out of
the military, some of thethings that he's done right and
(35:20):
maybe a few things that he'sdone not so great that he wants
to share with everyone.
So, uh, you know, if you have asimilar story or if you want to
be a case study on on the show,uh, that would be.
You know, just, just, um, reachout to me and we'll, we'll get
you on the show, Cause, you know, part part of the whole
reasoning behind this show wasto help people, you know, on air
with their finances.
So, you know, I was imagininglike a Dave Ramsey type of show,
(35:43):
but instead of like beingyelled at, you know, you
actually have somebody that'sbeing nice to you and
understanding your situation.
Um, because I I've I've made myshare of poor financial
decisions, and we're all human.
So why do you want to be yelledat for a decision that you made
(36:06):
?
Maybe it wasn't the rightdecision, but I don't know,
that's just me.
I don't like to yell.
I don't like to be yelled at,but I mean, I respect Dave
Ramsey, Don't get me wrong.
I basically got out of debtbecause of his book, the Total
Money.
His camp I definitely respect.
(36:45):
He's one of the OGs of thepersonal finance world, and the
interesting thing about financesis that it is very personal and
so what worked for some peoplemight not necessarily work for
everybody else.
So so that's the other thingabout not comparing yourself to
anybody your peers or yourfamily, your friends like don't,
(37:06):
don't do it.
Just don't compare yourself toyour peers.
You know, even if you're, evenif you're looking down, like, if
you're at a better, betterposition, don't, don't do that
either.
You know, like just just kindof, you know, staying, staying
in your, in your wheelhouse,stay in your lane and just focus
on yourself and everything will, kind of like, eventually work
out.
But but yeah, excited to haveRobbie on the show next week and
(37:31):
his wife Becky, and it'll becool to catch up, because I
haven't seen his pretty face andin in quite a few years now,
cause I haven't seen his prettyface and in in quite a few years
now.
So but yeah, looking forward tothat.
And as far as on the horizon,you know, I've got a few things,
a few irons in the fire.
I do have a, a graphic novelthat I've been working on,
(37:53):
publishing that on sub stackevery week and basically getting
down to the wire.
It's going to be a 10 chaptergraphic novel and it's called
the social worker, and I'll goahead and do a little self self
promotion, but yeah, it's justthis little, uh, you know, fun
little project that I that Istarted working on and I just
(38:14):
wanted to.
I wanted representation ofsocial workers to be different,
so I, I basically created asocial worker superhero kind of
thing where this social workergets superpowers, and yeah, so
it's just been a fun littleproject and I'm working on the
(38:36):
second to last chapter and sotwo more weeks will be the final
or the finale.
So, uh, excited about that it's.
It's nothing, you know, nothingtoo crazy, nothing to it, you
know, but it's just been kind ofa labor of love, a passion
project.
But, uh, stay tuned for thethrilling climax of of the the
social worker graphic novel.
(38:57):
Um, but yeah, I'm also workingbehind the scenes.
The financial independencecounseling is my, I guess my
umbrella company and so I'vebeen providing financial
counseling and coaching underthat umbrella and we're going to
do kind of like a rebrand, arelaunch, um, so we got got some
(39:21):
things going there which isreally exciting.
And yeah, I mean, you know,there's a lot, a lot of cool
things happening.
I'm trying to sell my house andworking on that took.
I basically got an offer andwe're going to.
We're going to try to moveforward with that and, as part
of my financial picture, havingthis house has been, you know, a
(39:42):
money drain.
So I'm really looking forwardto getting out from under this
house and making a little bit ofmoney on the side to basically
help me pay off my debts,because I still have debts.
You know, going back to school,I have debts and so that's the
thing.
Even as a financial coach, Ihave my own personal financial
(40:06):
situation that I'm trying todeal with and I just bring that
to the table whenever I'mworking with my clients.
So, if you are interested, Igenerally don't advertise for
myself because I just I don'tknow, I feel weird about it.
But you know, at the same time,you know I've been told that I
(40:29):
do need to just throw it outthere every once in a while,
because you never know who mightneed to hear this or who might
need to.
You know they can reach out tome and it's just like a free
consultation, um, and just wetalk money, we talk about your
situation, we try to figure outlike, okay, where, where are you
?
Where are you trying to go?
Where?
Where are you at right now?
(40:50):
And then we come up with a gameplan to try to get you there.
So it's no pressure, it's nolike.
Like I said, I'm I'm not thetype to to, uh, give you a hard
time Maybe, maybe ingest alittle bit, but ultimately, um,
I'm here to support, I'm afinancial social worker, um, and
(41:12):
a licensed social worker.
So, um, you know, this is thisis what I was made for.
So, if you're interested, hitme up, dm me.
You know we can do a freeconsultation, all that good
stuff.
But all that to say is that youknow I'm passionate looking at
(41:43):
getting my certification inAFCPE, which is another form of
financial coaching, counseling.
So I'm trying to, you know,beef up the.
You know the three letteracronyms on my, on my name, but
ultimately, all that to say isthat I do care about helping
(42:03):
people with their finances.
And you know that's that's kindof like my I mentioned in a
previous episode but my Ikigai,it's a Japanese concept where
you basically have your skillsand your, you know your
strengths, and it's alsosomething that people want to
pay for and that you know.
So it's like a whole confluenceof all these different factors
(42:26):
that come into play.
And I think this is my icky guy,you know, like helping people
with their finances or even justtalking about finances with
people.
Like I'm one of those nerdytypes that will literally, you
know, just talk stuff with, talkfinances with people, you know.
So, even if you don't want to,you know, use my services.
(42:48):
You can at least pick my brain,and I love talking finances.
So if you're a finance nerd,hit me up and you know, maybe we
can have have you on the, youon the show, Cause, uh, like I
said, I'm I'm always down tolearn, I'm always down to grow
and develop and I, oh, everytime I have a guest on here, I
(43:09):
always learn something or Ialways like find some new rabbit
hole to learn about.
So it's just been one of thegreat things about podcasting,
honestly, has just been how muchI've learned along this journey
with all the people that I'veinterviewed and the questions
that I've taken on air.
So, just, you know, I'm justhappy, happy to be doing this
(43:31):
and excited to see what the nextchapter brings.
You know this is season two.
I guess we're taught we'recalling it season two now, you
know this is season two.
I guess we're taught we'recalling it season two.
Now, um, and you know, likewe're, we're just having fun.
You know, I I'm making my as youmight as you probably can see
if you've watched the showbefore is got some new
(43:54):
background stuff.
I actually switched offices.
So this is my new officelocation and, you know, just
wanted to spruce up a little bit, you know, and add a little bit
of flair to it, maybe somepersonalization.
So, yeah, give me some feedback.
Obviously, it's still a work inprogress and I'm still working
(44:14):
on the video side of things.
I kind of want to get ittweaked, just right, but any
feedback is greatly appreciated.
I think I've been going on arant for the last couple of
minutes, so I apologize, but youknow we're live.
This is truly a live broadcast.
(44:36):
So it is now 6.51 pm and, yeah,we're um, cut, cut.
We're actually counting downthe time.
We've only got about eight ornine minutes left and, um, you
know, just wanted to throw thisout there as as a as a helping
(44:57):
professional, you know, uh,we're.
You know, well, the helpingprofessionals are here to help,
obviously, but uh, you knowwe're not going anywhere.
Um, but um you know well, thehelping professionals are here
to help, obviously, but you knowwe're not going anywhere.
But you know like I hope thatyou can.
If you know a social worker,you know a therapist, you know
somebody in your life who's ahelping professional, you know,
(45:20):
say thanks.
It's always nice to beappreciated and I think you know
we're starting to see more andmore of that.
And you know the social workcommunity is is really broad.
But you know we're we're hereto help.
So, and as a financial socialwork, I'm here to help not just
with the actual numbers but theactual psychology and the
(45:43):
feelings behind finance.
Because, let's be real, a lotof people just don't know how to
feel about finances.
Let's just talk about that alittle bit.
Most of us learn our financialprogramming by the time where, I
(46:04):
think, we're like six, sevenyears old.
We already learn about financesfrom our parents and our family
.
So a lot of this stuff isdeeply ingrained and we don't
even realize why we do thefinancial things that we do,
even like how we look atinvesting or how we look at
spending, or some people seetheir paycheck is like I got to
(46:28):
spend it Otherwise.
You know, like if it's there,I'm going to spend it, and other
people see their money as well.
I need to save this for a rainyday, you know.
So that just goes to show thespectrum of, like, some people
are natural savers, some peopleare natural spenders, and I
think there is a good chunk ofpeople who are somewhere in
between.
Um, I think there's also peoplethat and I'm guilty of this
(46:53):
where you'll do really good forlike a week or a couple of weeks
or a month, like you.
You know, it's almost likebeing on a diet where you're
like, okay, yeah, I'm notspending any money this week,
and then you go two weeks, threeweeks, whatever, and then you
kind of you kind of have a, amoment of weakness, and maybe
amazon, it may be walmart, but,uh, target we, we all have our
(47:16):
weaknesses sometimes.
So if that happens to you, youknow, just be, be kind to
yourself and don't, don't, don'tbe so, so hard on yourself, I
guess, um, but if you're, ifyou're obviously doing it too
much, then yeah, maybe you needhelp, maybe you need to talk to
somebody, a trusted friend orcoworker, or just anybody that
(47:41):
you know is decent with finances.
Uh, that's one of the thingsthat I basically try to preach
to people is that you don't haveto seek out a financial
professional.
You just seek out somebodywho's more experienced with
finances than you.
That's really what it comesdown to.
(48:01):
One thing I learned in the AirForce was there's a whole lot of
people out there that have very, very advanced knowledge on
finances, but they kind of keepit to themselves sometimes.
So when I started doing mybriefings and stuff, I saw I
noticed that there were, therewere some people nodding their
heads and they were like yeah,okay, yeah, that's.
(48:22):
But then I also realized, or Inoticed, that there, you know,
after the the briefings, peoplewould want to talk to me like
offline and you know, like so,so, um, yeah, like, if you know
somebody who's really savvy withmoney, most times they want to
share that knowledge too.
So, uh, you would be surprisedhow many, how many people who
(48:43):
are self-taught, eithermillionaires or they're about to
be millionaires down the road,and they, they're just, they
just want to share thatknowledge.
So, um, if you have a richuncle, you know, don't, don't
act like, don't, don't go up tothem saying you're gonna, you
know you want money, but youknow, teach, basically teach
(49:04):
person how to fish kind of thing.
Like teach me what you knowabout finances so that I can
learn and basically do what youdo.
So yeah, so that's that's kindof my advice and, like I said
before, you're always welcome tohit me up, send me a message
and I will probably jump on acall with you and just just talk
(49:27):
, um, so yeah, so that's prettymuch the show.
Um, you know, like, uh, wecovered a little bit of
everything current events, um,some top, you know, just general
topics about finance.
So, uh, thank you for everybodywho's who's joined in, uh, and
who might watch on the tail end.
(49:49):
I know that watching anhour-long stream is difficult
these days, so be on lookout forthe.
I use Opus Clips.
I'll just be honest.
Opus Clips is like an AI toolthat does all the video editing
for me, and I just can't bebothered to do that right now,
(50:12):
but it works for the most partand so, yeah, hopefully we'll
get some bite-sized clips out ofthis.
And you know, if you'reinterested in being part of a
future show, you can directmessage me, find me on LinkedIn,
you can find me on Instagram,all the different platforms, and
yeah, so I really, reallyappreciate everyone's time and
(50:34):
you know, if you're watching onthe MBR app, which is a new app,
and I would encourage you toupdate if you already have the
app, because we did.
We did do a pretty cool updatefor the MBR app.
We're also on all the differentplatforms, like you can see up
there MBRadio, on Roku, on FireTV, instagram, facebook X all
(50:59):
those cool places.
So I'm being mindful of my time, I don't want to step on
anyone's toes and I want to makesure that we keep it a nice
tight time frame there.
So, so, yeah, thank youeveryone for joining.
Please check out all thedifferent NBR content out there
(51:21):
into the weeds.
And just reached a thousandsubscribers.
So congrats, amber, for that.
That's awesome.
Um, yeah, so help help us growMBR.
We're here and we're not goinganywhere.
So, and then, keep an eye outfor the video game streaming.
Um, I'll be probably streamingunder the MBR uh account.
(51:44):
So, uh, so that's pretty muchall I got.
So thanks everybody for joiningin.
Take care and watch yourfinances If.
If you don't watch them, thenlet me watch them for you.
Okay, all right, we'll talk toyou guys later, thanks.
Speaker 4 (52:00):
Ladies and gentlemen, thank you for tuning in to
Military Broadcast Radio.
As we wrap up today's show, wewant to remind you that the
podcast of today's episode willbe available right after we go
off the air, so if you missedany part of the show or want to
listen again, be sure to checkit out.
(52:22):
And remember we're here tosupport and honor our veterans.
Your stories and experiencesmatter and we are committed to
giving you a platform to sharethem.
That's right.
We're here to give our veteransa voice, so don't forget to
(52:42):
catch the podcast and stayconnected with us Giving our
veterans a voice.
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