Not Your Average Financial Podcast™

Think different about your money, your economy and your future. Be curious. Be stable. Be sane.

Episode 220: Client Spotlight: Joe Rulli on Bread and Circuses and Banking

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In this episode, we ask:

  • How about the times?
  • Have you heard of Bread and Circuses?
  • What about real, honest conversations?
  • Who is Joe Rulli?
  • What’s Joe story with money?
  • How is a co-op different from a condo?
  • What about co-office space?
  • What did Joe initially think about Bank on Yourself®?
  • What about volatility?
  • What about risk?
  • What about mutual life insurance companies?
  • What has Joe used his policy for?
  • What is Joe working on now?
  • What about monthly payments?
  • What about the mortgage?
  • What about Joe’s philosophy aligns with the philosophy of Bank on Yourself®?
  • What about interest?
  • What about growth?
  • What about freedom?
  • What about the history of banking and social unrest?
  • What are the benefits of a Bank on Yourself® type whole life insurance policy?
  • Have you read Debt: The First 5000 Years by David Graeber?
  • What does Joe recommend?
  • What about trust?
  • What is prosperity?
  • What is wisdom?
  • Would you like to read Joe’s latest book, Bread and Circuses?

Joseph Anthony Rulli is a transplanted Hoosier, living in Chicago since 2006. A 1987 graduate of the University of Notre Dame (BA, History) and a 1992 graduate of St. Meinrad School of Theology (MDiv) he taught Social Studies, Religion, Philosophy, and History at the high school level. He began writing as a career upon his arrival to his second city and has had two short stories published, a stage play performed, an electronic tour book published online, and The Chicago Haymarket Affair (History Press/Arcadia Publishing, 2016) his first print book, followed by Chicago Socialism: The People’s History (History Press/Arcadia Publishing, 2019).

His first novel, the satire Bread & Circuses, is due for an October release through Chicago-based Shy City House. He has just contracted with History Press/Arcadia Publishing for a third history, tentatively called Chicago Marching: Protest, Authority, and Violence Since 1855.

Episode 215: Client Spotlight with Jack Gerstner

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In this episode, we ask:

  • Can you rely on someone else to create your financial plan?
  • Have you heard Episode 122?
  • Who is your money guru?
  • Who is Jack Gerstner?
  • What about financial education?
  • What about research?
  • What about being open to new ideas?
  • What about challenging assumptions constructively?
  • What is Jack’s story with money?
  • What’s Jack’s story with crypto?
  • What happened when Jack read the Bank on Yourself Revolution book?
  • How does Jack use and leverage the whole life insurance policies?
  • What about renovations on properties?
  • What about medical bills?
  • What about speculation?
  • What about leaving a legacy?
  • What about property taxes?
  • What about compounding power?
  • How are taxes life’s greatest expense?
  • What makes all the sense in the world?
  • What is Jack’s strategy with whole life insurance and crypto?
  • What about Bitcoin?
  • What about speculation and volatility?
  • What about dollar cost averaging?
  • What about risk?
  • What about dividend paying whole life insurance?
  • What about annuities?
  • What about “anchor” assets?
  • What is Jack’s framework for allocation?
  • What about an emergency fund of three to six months of living expenses in your whole life insurance policy?
  • What about giving your money a job?
  • What about Jack’s philosophy for finance?
  • How is money a tool?
  • What about trusting and verifying?
  • What is a wise allocation of time?
  • What about a healthy distrust of mainstream advice, in general?
  • What about financial responsibility?
  • How about owning and learning the right way?
  • How do Bank on Yourself® type whole life insurance policies allow you to take more responsibility?
  • Who cares the most about your money?
  • What about purchasing power?
  • What about inflation?
  • What about inflation as a tax?
  • What happens to dividends on policies when interest rates rise?
  • Why did Jack join the Navy?
  • What would Jack tell his 18-year-old self?
  • What about paying attention to time?
  • What about responsibility?
  • What is reliable?
  • What is within your control?
  • What about your internal locus of control?

Jack Gerstner lives in Elmhurst, IL with his beautiful wife Lauren and their daughter Mia. They have a baby boy due in November 2021. Jack is an Illinois native and has lived here his entire life. He is a Transportation and Logistics professional and an Officer in the Navy Reserve. When he’s not spending time with his family or working, Jack enjoys running, reading, and learning about finance. Jack started his Bank on Yourself journey in June 2014 with Lake Growth Financial and now has multiple policies on him and his family.
Contact Jack on LinkedIn

Episode 204: Real Stories from Real People

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In this episode, we ask:

  • What have you been able to do because of your Bank on Yourself® type whole life insurance policy?
  • What about Ryan’s story?
  • What about Jessica’s story?
  • What about Frank’s story?
  • What about Krisstina’s story?
  • Would you like to join us on the Not Your Average Financial Community at notyouraverage.mn.co?

Episode 166: Sean Morrissey is Landlording for Life

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In this episode, we ask:

  • When was your moment?
  • Who is Sean Morrissey?
  • Have you heard the podcast Landlording for Life?
  • Who is Sean leading?
  • What about buy and hold real estate?
  • What is leading with lifestyle?
  • What does financial freedom mean for Sean?
  • What happened when banks lowered the line of credit?
  • What happened for four years?
  • What did Sean learn?
  • What does Sean do and what does liquidity do for Sean’s business?
  • How did Sean get started?
  • What is the value of liquidity?
  • What are the challenges for landlords right now?
  • What does the average guy or gal not realize about the need we have for access to capital?
  • Is it easy to buy?
  • What’s the weird position?
  • Are you liquid enough?
  • What about roughly 3% of capital expenditures and reserves?
  • What about roughly 5% for vacancy?
  • What about roughly 3% for a liquidity factor?
  • What about the “what if” game?
  • What about Mark’s meeting with Sean?
  • What surprised Sean?
  • What did Sean find?
  • Have you heard Episode 159 and Episode 160?
  • What did Sean learn?
  • What about universal life policies?
  • Are all mutual insurance companies good for Bank on Yourself® type policies?
  • Why does the contract matter on a life insurance policy?
  • What is a direct recognition loan provision?
  • What about non direct recognition company?
  • What’s an eye opener?
  • What are Sean’s hopes?
  • How does Sean plan to use his policies in sync with real estate?
  • What does Sean see, looking back?
  • How does Sean think big enough now?
  • Where do you want to be in 10 to 20 years?
  • When do we want our money most efficient?
  • What’s the power of a whole life insurance policy (especially the older ones)?
  • What about tax deductions and depreciation in real estate?
  • What about long range thinking?
  • What are the options down the road?
  • What’s the problem of real estate without whole life?
  • Would you like to work with Sean?
  • What is happening with evictions in Illinois?
  • What about liquidity?
  • What about setting sights too small?
  • How big can you think?
  • What about opportunities?
  • Want to work with us? We’re hiring. http://bit.ly/worklg

Sean Morrissey is a landlord and real estate broker, in the western suburbs of the Chicagoland area, who has built a $7M real estate portfolio and owns/manages Chicagoland Realty Group Partners LLC.

Having managed 200+ properties for landlords in the Chicagoland area, Sean has built property management systems to make “buy and hold” real estate sustainable and wealth-building.

Sean’s proudest achievement is being able to spend his days with his wife, two kids, dog and cat in what some may define a financial freedom lifestyle. Sean is the host of the real estate “buy and hold” real estate investor podcast called Landlording for Life.

Episode 147: To Win The Lottery, You Have to Buy a Ticket with Ros Kaspi

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In this episode, we ask:

  • Who is Ros Kaspi?
  • What’s her story and background?
  • What were people telling Ros?
  • What caused Ros to change tracks?
  • Where did Ros find her opportunity?
  • What caused Ros to go out as an entrepreneur?
  • What about yoga?
  • What about a retreat?
  • What about a bed and breakfast?
  • What did Ros learn about opening a business?
  • Who was on her team?
  • What happened to her father?
  • What did Ros do in Chicago, and what did she learn?
  • What about happiness?
  • What about credit cards?
  • How is Israel different from the U.S., regarding credit cards?
  • What about Bank on Yourself type whole life insurance policies?
  • What about property?
  • What about real estate?
  • What’s an amazing way to buy property?
  • What was it like learning about the Bank on Yourself strategy?
  • What about the portfolio of policies?
  • How have the current events impacted her tenants?
  • Has the coronavirus impacted her income?
  • How has her perspective changed around money?
  • How is an employee mindset different from an entrepreneurial mindset?
  • How might your money work for you?
  • What does Ros love about Mark?
  • What about talking through ideas?
  • What about getting good feedback?
  • Do you have a personal financial advisor who is always there for you?
  • Is your financial advisor available?
  • What would Ros say to someone who is concerned about being too old?
  • How did Ros purchase a policy?
  • How did Ros purchase a cash property?
  • What are the things that intrigued Ros?
  • What other nuggets of wisdom does Ros have to share?
  • What other feedback does Ros have?
  • What about a “win the lottery” joke?
  • Do you move your feet?
  • How much do you want to make?
  • What direction do you want to go?
  • What about Bob Proctor, Jack Canfield and the mastermind group?
  • Isn’t that amazing?
  • How might we overcome obstacles?
  • If you could not leave money to your children or to the world, but only principles, habits and ideas to achieve success, what would those be?
  • Would you like to reach out to Ros? Email her at roskaspi@gmail.com!
  • Have you been sucked into financially difficulty?
  • What’s the next first step?
  • Are you the boss of your money?
  • Is your money ‘your employee’?
  • What does Ros want to add about the tax benefits?
  • What about the mastermind?
  • What’s the difference between success and failure?
  • What’s the difference between being alone and being together?

A world traveler, Ros Kaspi was born in Chicago, lived in Tel Aviv for many years, and in 2004 came back to Chicago to take care of her mother who just reached 99.

A business woman, an entrepreneur and Manager of a global company, she has experience and expertise. She studied Life Coaching with Bob Proctor and used his teachings to create Mastermind groups.

In recent years she has turned to real estate, purchasing condos, while using Bank on Yourself type whole life insurance policies to reach her real estate goals. Would you like to reach out to Ros? Email her at roskaspi@gmail.com.

Episode 133: Client Spotlight: Engineers and Bank On Yourself® Superstars, Derek and Amy Baker

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In this episode, we ask:

  • Who are Derek and Amy Baker?
  • How did Derek earn his first dollar on the horse farm?
  • How did Amy earn her first dollar while camping?
  • When did they start thinking beyond the employee mindset?
  • How did thinking about paying for college motivate them?
  • What sort of real estate investments do they hold?
  • What did they learn at the conference?
  • How did they meet Mark?
  • How are they saving for college?
  • What do they love about the concept?
  • Why did Derek and Amy choose to work with Mark?
  • What do they love about working with Mark?
  • What did they learn?
  • What about who you know?
  • What about who you like?
  • What about who you trust?
  • Is this too good to be true?
  • What about moderate and solid growth?
  • What about liquidity?
  • What about access?
  • What about government restrictions?
  • What about going against the grain?
  • What about building generational wealth?
  • How do they use their cash value?
  • How does this affect their real estate work?
  • How do they deploy cash?
  • What about property inspections?
  • What about traveling to the property?
  • What about putting money into the value add?
  • What about advertising cost?
  • What about Bridge loans?
  • What about repairs?
  • What’s the scariest part of banking on yourself?
  • What about the time to “brew”?
  • What does it feel like to be a financial weirdo?
  • Why did Derek and Amy get into real estate?
  • How do they set themselves up with multiple streams of income?
  • What was the wake up call?
  • How are they building assets?
  • How did the Bank on Yourself® type policies help them through difficult times?
  • What about the flexibility of the policies?
  • How does this feel like a safety net?
  • What about fees?
  • As engineers, how did Derek and Amy get past the initial cost of life insurance?
  • Is this unbelievable?
  • What about the power of Bank on Yourself® type policies?
  • What are Derek and Amy doing with real estate syndication?
  • Would you like to reach out to Derek and Amy?
  • What advice do Derek and Amy have?
  • How might you be more active and present?
  • Are most people overly passive with their money?
  • When is the best time to take a step?
  • What do you love about Derek and Amy?
  • How do they use real estate investing AND Bank on Yourself® type policies?
  • How do Derek and Amy think out three generations?
  • What makes all of the difference?
  • Would you like a FREE book?
  • Would you like to leave us a review?
  • What are people saying?
  • Would you like to leave us a voice message before April 19, 2020? Our question is:
    • What does a realistic budget look like?

Derek and Amy Baker are Founder and Co-Founder of Jamtine Investments headquartered in Grand Blanc, MI. They currently own and manage a multifamily rental portfolio of 253 units in Michigan, Texas and Tennessee. Derek and Amy have been active in real estate since 2016 with an emphasis on apartment syndication. They are members of Think Multifamily led by mentors Mark and Tamiel Kenney. 

Derek and Amy are graduates of Michigan State University. They both currently work for General Motors as Engineers and both hold a Bachelor of Science degree in Mechanical Engineering and Master of Science degree in Engineering Management. They have three beautiful children Molly (4), Emma (2) and Brayden (8 months) along with their perfect rescue dog, Izzy.