Financial Sobriety

Financial Sobriety

After an out-of-control money addiction cost him nearly everything, Matthew Grishman hit rock bottom and was faced with a critical decision: make massive changes to how he was living his life - OR - die broke and alone. Matthew chose change. But he also knew he could not make this change on his own. Fortunately Matthew met a man who was willing and able to help him begin a new lifelong journey of making amends with the three most challenging relationships in his life; his relationship with money, his relationship with people, and his relationship with self. Financial Sobriety is the path and curriculum Matthew and that man, Jim Gebhardt, (now his business partner and dear friend) developed to help others become much more intentional with those same three complex and interconnected relationships: money, people, and self. This podcast takes listeners through the steps, sequence and strategies Matthew used to recover and find true wealth. It is designed to help you, the listener, do the same in a very safe, informal, conversational, and somewhat tutorial step by step way. Matthew and Jim share stories and invite guests on to the show to support the success and evolution of this life-saving journey called Financial Sobriety. True wealth is about so much more than having a lot of money, or having a lot of stuff - it's about being 100% intentional with your three most intimate and complicated relationships in life: money, people, and self. You can find the book, "Financial Sobriety" at www.yourfinancialsobriety.com or you can order by tapping the following link: https://www.amazon.com/Financial-Sobriety-Rebuilding-Relationship-Money/dp/171055519X.

Episodes

November 29, 2022 36 min
The Thanksgiving holiday is over. Most of us celebrated with family and friends and had a day full of gratitude. But why let it end with just one big day a year? What if gratitude happened every day? Multiple times a day? What could that look like? How could that benefit everyone? How would it make you feel? Your hosts, Jim Gebhardt and Matthew Grishman explain their take on gratitude in a very simple episode with a huge tak...
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The Clarity Compass is a great tool to understand what it is you are going to do to improve your relationship with money and consequently with yourself and others. What does that look like as we approach the holidays? How do you prevent the Visa Hangover that comes post holiday when you've violated the very principles you just assembled with the Clarity Compass tool? What better way to insulate the money than with a Financial...
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November 1, 2022 51 min
You've heard the descriptions of both Jeff (aka "Ace") and Theresa as they worked their way through the process of the identification of their core four values. Now hear the completion of the Clarity Compass exercise and learn what it did for them to help crystallize what's most important to them and how knowing this gives them guidance on how they'll use their money to best serve those values. You can find the...
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In Part 1 of the Clarity Compass you went thru the exercise as it was performed with the program's producer, Ace. (aka Jeff). Now, Matthew and Jim take Jeff's wife, Theresa or "T" through the same process with what might be surprising results; In a good way. For couples and families, understanding each other and identifying those four things that are most important to you can really change the dynamics of why you ...
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The Clarity Compass is a part of the foundation of Financial Sobriety and is referenced throughout many of the episodes. Without it, you have no direction. With it, you have, well, clarity! Easier for some than others, the Clarity Compass exercise is a pre-requisite to further understanding of Financial Sobriety. In this episode, you'll hear the Clarity Compass applied as the show's producer, AKA Ace, and his wife Theres...
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Not unlike flying a plane, you're going to hear Matthew and Jim discuss the need to have checks and balances on your investment "flight" plan. Too often, one tends to want to manually attempt to "fly" their investment strategy over the long haul. Not unlike a flight plan, however, if you're off just a bit in the early years, you could be way, way off in the later years. A few miles off on the plane's fl...
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Inflation is the silent disruptor as you've already heard. But did you know you can battle back with relative ease? Exercising the pain of discipline over the pain of regret, today's episode reveals tips, tricks and tools you can use to win the battle over inflation. You can do it and you can continue to live your lifestyle... as long as you don't allow it to creep up with the advances you make with your money. Learn...
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How, really, does the Inflation Reduction Act impact inflation? As you might have surmised, this is a very familiar governmental titling ploy to make the "Act" sound like something it may not quite really be. Or is it? Does it do what it says? Listen to what Matthew and Jim have to say about it and do what you must to keep your political persuasion out of the evaluation. This is a bi-partisan bill and it's not abou...
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It's the hottest topic of discussion in financial circles right now. That's right. Inflation is silently eating away at your savings, it's taking your income, it's limiting your freedom to do what you want. Join Matthew and Jim as they discuss what inflation is and how we may have gotten to this point. Somewhat tutorial, somewhat educational and always presented with an entertaining bent, this is must know infor...
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Hard to believe another summer is behind us and the fourth quarter of the year is just around the corner. Your hosts, Jim Gebhardt and Matthew Grishman, reflect on the second summer presenting the "Teach Your Children" series and the significance of preparing your children for their relationship with money, self and others. From that vantage point, they take a slight look ahead to set the tone for the remainder of the yea...
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As our "Teach Your Children" series winds down for the summer, one of the critical "Pay thyself first" comprehensions has to be not only the "why" but the "how". In this episode, Matthew and Jim share both their own personal stories with their children as well as the direction you can take to help your children understand the value of the discipline to make an investment in themselves and do it in a ...
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So you're following along with your hosts Matthew Grishman and Jim Gebhardt and your children are making progress, all excited about that first job and that first paycheck, right? But what happens next is the crux of this episode. The money isn't right! Who took my money? How do you explain to your children how and why what they get paid hourly isn't what they're going to take home from their efforts at work? That&#...
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We're getting toward the end of summer and your hosts Matthew Grishman and Jim Gebhardt have been holding class on teaching your children about many of the attributes of building wealth and money as they relate to somebody just getting started in their earning career. Now comes the moment of truth when an income stream is recognized. Wealth building is a marathon, not a sprint but only if one is diligent in doing so. Today'...
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If you're thinking it seems like you just heard an episode last week, you're correct. This whole teach your children concept provides so much value, the intent is to get as much of it completed while the kids are out of school and still at home. In this episode, your hosts, Matthew Grishman and Jim Gebhardt dig just a little deeper into the education of our children on what's important to them. Getting clarity through t...
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What if you could count on your state school system to educate, not only your child, but every child on financial literacy? What would that look like 20 years from now as those children grew into leadership, adulthood, government? Pretty amazing I would think. You'll hear about Rhode Island's bill SB349 in today's episode and what better time to roll that right into the federal child tax credit that was passed in 2021 a...
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Continuing the theme of teaching your children financial literacy, this episode digs into respecting the value of money from an early age with some tutorial elements to help you with your children in the process of learning about the value of a dollar. The concepts may be simple in theory but the actual practice is invaluable. For more information on Financial Sobriety or to reach Matthew Grishman, visit www.yourfinancialsobriety...
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In this brief update, Matthew and Ace bring a message of the postponement of the "live" episode as a result of a family health emergency in Jim's family. Tomorrow, the next episode in the sequencing of "Teach Your Children" will be launched instead of the previously anticipated "live" episode. At this point, more information will be forthcoming as the Gebhardt family situation resolves and will be comm...
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Yes, you may have heard this before. Because there was such an interest in what we did last year, we've simply polished a few things up and we're relaunching the "Teach Your Children" series for the summer session. We know you're not likely to go back and dig the episode up, but if you're new to our program, this will be new to you. If you're familiar with the program, now you can share it simply with...
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Back by popular demand and with a little twist, the summer series of teaching your children the immutable lessons of Financial Sobriety returns. This is the 7 course program to help your children of any age get a grip on those three most important relationships of money, self and others. Since it's unlikely the curriculum is being taught in your childs school or better yet, since it's likely if your child has grown, there...
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In this Part 2 on the discussion of Metahab and the process of Post Traumatic Growth Dr. Joyce Mikal-Flynn identifies the 6 steps in the process to growth from trauma but after a slight deviation with Matthew and Jim on the initial willingness and acceptance of the individual that has experienced that trauma. It begins as a child and how well that child grows into a person capable of choosing to make a difference, capable of accep...
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