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CONGRATULATIONS! We’re millennials. That means EVERYTHING about being alive is expensive. And the boomers have so generously gifted us with least affordable housing in the history of the world along with: - Inflation. - Student loan debt. - Expensive medical insurance that doesn’t cover our therapy bills. - Randall Cunningham (to which we are very grateful. Go birds.) And likely very vague wills leaving us to pay for them well after they’re gone. Don’t worry. Seth and Jenn can help. We’re Ph ...
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Jake Of All Trades

Jake Nuno: Financial Advisor and Financial Guru

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Every week Jake Rivas, Financial Advisor To Millennials, will hit the streets, coffee shops, and restaurants to get raw feedback from YOU about the real financial obstacles you are facing today. Jake will help you take the guesswork out of managing your money choices while curating and sharing the best advice and insights into making smart money choices. Jakes Two Cents will help you navigate credit, financial debt, saving for the future, student loans, mortgages, travel, money, lifestyle, a ...
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SMALL BUSINESS FINANCE– Business Tax, Financial Basics, Money Mindset, Tax Deductions

Tiffany Phillips - CPA, Small Business Money Mentor, Financial Expert

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Are you unsure of what to do with your business finances? Are you scared you might do something that causes the IRS to come after you? Do you lack confidence in knowing if what you’re doing is correct? Are you desperate for answers for all of your financial questions? In this podcast, you will find financial knowledge and systems to set you free from the mass confusion of small business finances. My mission is to help equip you to have a financially successful small business through financia ...
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Welcome to the Save Like Dave Podcast where we are on a mission to help you SAVE and WIN with your money no matter how much you are currently making. This is a Christian Finance Podcast teaching you practical tips on saving and investing with lots of interesting examples and unique, applicable life experiences. We are a father/son team with Dave (Nate is Dave's son and co-host) being the personal finance expert and guru. Dave’s done it and he’s here to help you achieve your financial goals t ...
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Welcome to today’s episode! We’re diving into a super important topic for business owners: bookkeeping. If keeping track of your finances feels like a chore, don’t worry—we’ve got you covered. We’ll share five reasons why good bookkeeping is essential and break down the basics to keep your business on track. From separating business and personal fi…
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In this episode, I share a big shift in my mindset that I've been working on for over a year and a half. It's been a tough journey, but I finally see the results of my hard work. I'll talk about how these changes have made my business and life better, even when things got really hard. You'll hear about a recent experience that tested my patience an…
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Have you ever wondered what's driving the real estate markets in Florida and Texas? Join Seth and Jen as they explore the dynamic shifts unfolding in these vibrant regions. From economic recessions in specific areas to an oversupply of homes and pressing insurance issues, they delve into the complexities shaping these markets. Tune in to gain insig…
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In this episode, we uncover big changes in the accounting world that could affect your business. Discover why many CPAs are retiring and how the shortage of new accountants is causing problems. We talk about the rise of AI in accounting and how it might change your relationship with your CPA. Learn about the challenges of hiring skilled accountants…
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In this episode, we dive into a critical decision for any business owner: choosing the right person to handle your finances. From accountants to CFOs, the person you pick can make or break your business. We'll reveal three toxic traits you must watch out for in CPAs, so you don't get stuck with someone who's bad for your business. You'll learn why …
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Have you ever wondered what it's like to buy your first home, only to face unexpected challenges? How do you decide when it's time to move on to your dream home? And what happens when you dive into major home renovations? In this exciting episode of MillenniUP, we hit the road for our first client interview to find answers to these questions and mo…
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In this episode, we're diving into the best ways for small business owners to pay off debt. We'll talk about which debts to tackle first, whether to use cash or get a new loan, and how to avoid common mistakes. We'll cover important tips like knowing your interest rates, loan balances, and minimum payments. Should you pay off small balances first o…
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Welcome to this episode where we dive deep into how your mindset about money and taxes could be holding your business back. We explore a common but subtle issue that many business owners face: the fear of higher taxes as income grows. You'll hear a real-life example of how this mindset can limit your success. Learn why paying more taxes isn't a bad…
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Curious about tackling credit card debt and navigating homeownership? In this episode of the MillenniUP Podcast, hosts Seth and Jennifer sit down with debt coach and entrepreneur Amber Duncan. Amber shares her journey from mortgage brokerage to helping millions overcome post-2008 financial challenges. They discuss the emotional and financial hurdle…
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In this episode, I share an incredible case study of a client we helped save $117,000 in taxes for 2024! We found an error on his tax return that was costing him big time. By optimizing his deductions and correcting past mistakes, we turned things around. This client, a doctor with multiple businesses, had been overpaying taxes for years because no…
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In this episode, we dive into a real-life story of how I helped a frustrated doctor save $12,500 on taxes. Tired of last-minute advice and high costs from his old CPA, this doctor came to me for help. We discovered that his partnership was set up all wrong, costing him lots in taxes. By making smart changes, like transitioning his partnership to an…
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In this episode, join the discussion as Seth and Jenn explore essential steps for new homeowners after purchasing a property. From changing locks for safety to understanding insurance policies and scheduling regular maintenance, this episode covers vital actions to take post-purchase. Learn the importance of introducing yourself to neighbors and pl…
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Are your business finances holding you back? In this episode, we explore why basic bookkeeping and accounting aren't enough when you're ready to grow. Learn the importance of understanding your profit and loss, balance sheets, and cash flow reports. We'll discuss creating and revising budgets, tracking key performance indicators, and comparing your…
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Being a business owner is tough and requires a lot of strength. In this episode, we dive deep into the challenges and rewards of entrepreneurship. I share my personal journey, including the struggles I faced and how I overcame them. You'll learn about the importance of having cheerleaders in your life and the incredible impact of personal growth on…
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Do you ever wonder if the effort and expense of home staging are really worth it in today's fast-paced real estate market? Dive into this episode where hosts Seth and Jenn tackle the evolving concept of home staging. They discuss the traditional and virtual staging strategies, highlighting how each approach fits into the current real estate landsca…
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In this episode, we break down how saving money on taxes doesn't have to be super hard. I'll share simple tips and tricks to help you keep more of your hard-earned cash. I'll tell a personal story about how I helped my dad save over $45,000 on his taxes. You'll learn about the importance of choosing the right business structure, optimizing your wag…
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In this episode, we dive into how to get your business ready for tax season. Even though it's still 2024, it's never too early to start preparing. We cover seven key steps to make next year's taxes a breeze. Learn how to keep your financial records organized, track income and expenses, understand tax deductions, and estimate quarterly taxes. We als…
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Have you ever considered navigating a real estate transaction on your own? Find out why that might not be the best idea in this episode as we delve into the profound importance of buyer representation in real estate transactions. Discover the historical context of buyer agency, its inception in the 1990s, and how it has transformed property buying.…
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In this episode, we dive into why it's so important to regularly check in on your business finances. Many small business owners get caught up in the daily grind and forget to look at their numbers. We explain how regular financial reviews can help you spot trends, manage cash flow, and even catch mistakes or fraud. You'll learn why staying on top o…
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In this episode, we tackle a common question: Is your business legitimate? I answer a listener's question about business legitimacy and tax deductions, breaking down how to know if your business qualifies as legitimate. We discuss active vs. passive income, the importance of keeping good records, and how to prove you’re running a real business. Whe…
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What defines a successful real estate agent? Choosing the right real estate agent is crucial, not just for closing a deal but for ensuring a positive and smooth experience. Let's explore what's important, from availability and emotional intelligence to the ability to navigate complex client interactions. Join us as we unpack what makes a good real …
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In this episode, we dive into the story of a client who faced a huge financial loss after his business failed. With over a million dollars lost, he felt defeated. But there's hope! We'll explore practical steps to recover from big losses, like investing in real estate and taking advantage of tax strategies. You'll learn how to turn a bad situation …
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In this episode, we dive into a big question many business owners have: How much should you pay yourself? We'll break down the rules from the IRS on wages and equity distributions for S corporations. You'll learn what "reasonable compensation" means and how to figure out the right amount for your salary. Plus, we'll discuss how to take extra cash o…
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In this episode, Seth and Jenn discuss the critical importance of professionalism among real estate agents, emphasizing how disparaging other agents can hurt client relationships and impede transactions. They share personal experiences and industry insights about maintaining professional conduct, adhering to the code of ethics, and fostering constr…
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In this episode, we dive into what happens if you miss an estimated tax payment. We explain if there are penalties, interest, or other consequences. We also share tips on how to get back on track if you miss a payment or didn’t know you needed to pay estimated taxes. We’ll help you understand why the IRS wants their money and how to avoid extra fee…
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In this episode, we uncover the tax secrets that could save you thousands of dollars! Your CPA might be missing crucial deductions that can reduce your tax bill. We dive into real-life case studies to show you what to look for on your own tax return. Learn how one client saved $37,000 by making smart adjustments and another avoided losing $111,000 …
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In this episode we're talking about the challenges preventing many from achieving homeownership. Join us as we discuss innovative solutions and educational strategies designed to bridge the gap for those left behind in today's market. Key Takeaways: The importance of starting early with financial planning to ease the path to homeownership. How comp…
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In this episode, we dive into a smart way to save on taxes by paying your kids for legitimate work in your business. Learn the right and wrong ways to do this, from tracking their hours to giving them age-appropriate tasks. We’ll cover everything from simple chores like taking out the trash to more skilled work like video editing. Discover how to m…
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In this episode, we dive into the world of tax planning and help you figure out if it's the right time for you to start. We'll explain the difference between tax preparation and tax reduction, and why they matter. Learn the key signs that show you're ready to start saving on taxes and discover some simple strategies to keep more of your hard-earned…
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Join us as we discuss the transformative power of buyer consultations in real estate. Find out how these consultations can clarify your housing goals and streamline your journey to homeownership. In This Episode: Understanding the Buyer’s Packet: Insights into what should be included and why it matters. The Importance of Listening: How effective co…
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In this episode, we dive deep into the Qualified Business Income (QBI) deduction, a special tax break for business owners. Introduced in 2018, QBI lets you cut your income by 20% on your taxes if you meet certain rules. We'll break down these rules, explore who qualifies, and share some smart tips for high earners to make the most of this deduction…
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In this episode, we dive into a common issue many professionals face: managing 1099 income when you have an S corporation. If you're getting paid personally instead of through your business, it can lead to big headaches with the IRS. We'll cover the best practices to ensure your earnings are properly accounted for and discuss strategies to avoid au…
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In today's episode, we cover the fascinating dynamics of the real estate market crash that affected much of the country—except for a few, resilient areas. Join us as we uncover why and how some local markets managed to dodge the downturn that devastated others. In This Episode: Interest Rates and Market Impacts: How economic policies influence loca…
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In this episode, we dive into seven powerful ways to lower your taxes through smart investments that the IRS actually likes! If you're a business owner, you'll discover some amazing tools to not only reduce what you owe in taxes but also to boost your overall wealth. Some of these methods might be new to you, and they are pretty exciting! We'll exp…
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In this episode, we dive into the crucial difference between legally reducing your taxes and the risky world of tax evasion. Ever wonder if the ways you’re saving on taxes are actually okay? We’ll clear up the confusion with expert insights on what's safe and legal. We’ll talk about common mistakes people make, how to avoid them, and the right ques…
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Let's step off the usual path and onto a special episode of MillenniUp! Today, we’re keeping it casual with a Q&A session where you'll get to know us (your favorite hosts) on a deeper level. Real estate tips aside, this episode is all about our personal quirks, dreams, and the soundtracks of our lives! Get a unique glimpse into who we are and enjoy…
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Welcome to a brand-new episode where we dive into what happens when you inherit something like a house, land, or investments. It’s a topic that many find confusing, especially when it comes to taxes. But don't worry, it's not as daunting as it seems! We’ll discuss simple ways to handle inherited assets without getting stressed about taxes. You'll l…
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In this episode, join us as we dive into the powerful world of delegation and time management for busy business owners. Learn how to free up your schedule and grow your business by handing off tasks to others. Discover practical tips on what to delegate and how to effectively use your team to take some weight off your shoulders. Whether it's hiring…
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What do you think about the current state of trust in real estate? Today we tackle why real estate agents rank low on the trust scale, akin to lawyers and car salesmen. Join us as we explore the stereotypes, the impact of social media, and what it truly means to be a dedicated real estate professional. In This Episode: Why Realtors Are Mistrusted T…
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In this episode, we dive into the exciting world of buying a business! Join us as we explore a real-life story of a client who is currently in the process of acquiring a business. We'll share insights on making sure it's a good purchase, discuss some challenges they've faced, and offer tips on avoiding common pitfalls. Whether you're thinking about…
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Today’s podcast is a treasure trove of tips for all you high-earners looking at real estate to save on taxes. We dive deep into a common hiccup that could trip you up if you’re not clued in. It’s all about understanding the fine print and making sure real estate losses actually work for you. And guess what? If you’re juggling a busy W2 job, there’s…
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Are you unintentionally sabotaging your home buying journey? In this episode we unpack the most common mistakes in the home buying process and how you can avoid them. Whether you're a first-time buyer or looking to navigate the market wisely, this is packed with essential advice. What you'll hear about: Early Preparation: Why starting your home sea…
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Discover the ins and outs of W-9 forms in this eye-opening episode! Join us as we unravel the complexities of W-9s, shedding light on their importance for both business owners and contractors. Learn why obtaining W-9s upfront is crucial, and gain clarity on filling out these forms correctly to avoid IRS penalties. From tax classifications to backup…
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In this episode, discover the hidden obstacle hindering your business growth: the fear of the unknown. Join Tiffany as she candidly shares her personal journey of recognizing and overcoming this common entrepreneurial challenge. Delve into the paralysis of perfectionism and how it stifles progress, uncovering the importance of embracing uncertainty…
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Join us for a lively Q&A session where we tackle your burning real estate questions. From the intricacies of earnest money and escrow to navigating the complexities of real estate transactions, Seth and Jenn provide insightful answers and practical advice. Whether you're a first-time buyer, a seasoned investor, or somewhere in between, this episode…
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In this eye-opening episode, discover why traditional savings goals might actually be hindering your business growth. Host Tiffany challenges conventional wisdom, urging entrepreneurs to shift focus away from penny-pinching and toward revenue growth, cash flow management, and increasing net worth. Drawing from personal experience and practical insi…
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Discover the hidden truth about IRS penalties in this eye-opening episode of our finance podcast. If you're a business owner, you might be unknowingly overpaying taxes due to penalties for underpayment throughout the year. Learn how to identify, avoid, and minimize these penalties, potentially saving yourself thousands. We delve into the little-kno…
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Welcome to a deep dive into the world of real estate investing, tailored for those just starting their journey. We guide you through the foundational strategies, including house flipping, the buy-and-hold approach, and the BRRRR method. We dissect the pros and cons of each, highlighting the importance of financial preparation and market knowledge. …
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Get ready to tackle tax season like a pro! In this episode, we dive into the nitty-gritty of business taxes, answering burning questions like how much to set aside and when to pay in. We reveal the shocking truth about penalties for underpayment and provide expert strategies to ensure you're not overpaying the IRS. Learn how to navigate tax deadlin…
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Unravel the mysteries of S Corporation finances in this eye-opening episode! Join us as we dive deep into the world of S Corp taxation and equity distributions. Learn how to navigate the complexities of getting money out of your business while maximizing tax advantages. Discover the importance of paying yourself a reasonable compensation and the in…
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