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Raise your Income, investments, and life to the next level! Do you want to live life on your own terms? Financially independent people have assets that generate income greater than their expenses. We explore ways how people have increased their income and net worth to achieve financial independence (and how you can too).
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Shades & Layers

Kutloano Skosana Ricci

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Shades and Layers is a podcast focused on black women entrepreneurs from across the globe. It is a platform for exploring issues and challenges around business ownership, representation and holistic discussions about the meaning of sustainability in an increasingly complex global context. Conversations are wide- ranging and serve not only as a Masterclass in Entrepreneurship but also provide wisdom and tools for Successful Living. It is a space for meaningful conversation, a place for black ...
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Ted Hartwell is Executive Director of the Nevada Council on Problem Gambling. The mission of this Council is to generate awareness, promote education, and advocate for quality treatment of problem gambling in the state of Nevada. Ted is in long-term recovery from his own gambling disorder and has been advocating on this issue for over 15 years. Ted…
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Turning unused space into income is easier than you think. In this episode, we explore how property owners can unlock hidden value in their assets. Joseph Woodbury, Co-Founder and CEO of Neighbor, is revolutionizing the self-storage industry by helping people monetize underutilized spaces in their homes and properties.With Neighbor now spanning all…
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In the face of nature's fury, resilience is key. In this episode, Weathering Hurricane Helene, Chris Salerno & I dive into the personal and professional impact of the hurricane, exploring the lessons learned and how it has shaped real estate strategies in times of crisis.Chris was kind enough to let me use his office & studio while my family and I …
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Resilience is the key to not just surviving but thriving financially. In this episode, Dr. Allen Lomax shares his transformative journey from losing everything during the financial crisis to building a robust financial future through passive real estate investing.With a Ph.D. in Organizational Systems Psychology and over thirty years of experience,…
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How often do you feel like your mind is holding you back from reaching your full potential in business? In this episode, Rusty Osborne, the go-to coach for entrepreneurs, dives into the secrets behind overcoming the mental blocks that limit growth and success.With years of experience helping hundreds of business owners, Rusty uses his signature Neg…
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Tax strategies can make or break your investment returns. In this episode, Doug English, CFP®, MBA, unpacks the power of smart tax management for investors.As the founder of ACT Advisors® and with over 20 years of experience, Doug has helped senior executives in both nonprofit and for-profit sectors optimize their benefits and navigate complex comp…
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Cliff Coleman, MD, MPH, is a physician and international expert in the field of health literacy. His award-winning work focuses on improving health literacy and clear communication training for healthcare professionals through systems approaches, including curriculum design and evaluation. Coleman is Professor of Family Medicine at the Oregon Healt…
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What does the future of real estate hold? Chris Larsen, founder of Next-Level Income, draws on over 20 years of experience and over $1.5B in real estate acquisitions, including multifamily, mobile home parks, and self-storage. Larsen breaks down how to spot trends and capitalize on the best deals in a changing market.Hosting him is Rod Zabriskie, M…
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Mortgage notes can be the key to unlocking great returns and Chris Seveney is here to show you how. In this episode, Chris Seveney, CEO & Co-founder of 7e Investments, takes us through his 25+ years of real estate experience and his unique journey into the world of mortgage note investing.With a portfolio of over 500 notes and $25 million under man…
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Athletes have an edge in the business world, find out why their skills make them exceptional entrepreneurs with Brian Spear, the mastermind behind Sunrise Capital Investors.Brian draws from his unique experience as a former University of Kentucky varsity baseball team captain and his deep expertise in commercial real estate investing to highlight t…
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Discover how to select the best investments for your portfolio using the “D.I.A.L.” framework with Christopher Larsen, the founder and Principal of Next-Level Income. In this episode, Chris shares his proven strategy for achieving financial independence through diverse investment opportunities.With over 20 years of experience in real estate includi…
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Cynthia Baur, Ph.D., is the Endowed Chair and Director of the Horowitz Center for Health Literacy at the University of Maryland’s School of Public Health. Baur is widely recognized as a health communication expert whose work focuses on improving health literacy at the individual, family, community, and organizational levels. Prior to this position,…
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As America faces an ever-growing affordability crisis, one man is tackling the issue head-on with an unconventional yet highly effective solution: mobile home parks. In this episode, Kevin Bupp, a seasoned real estate investor with over $300 million in transactions and a best-selling author, shares how he’s addressing this national challenge.With t…
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Is long term care insurance really worth it? In this episode, Blake and Rod from Money Insights tackle this critical question, breaking down the pros and cons of long-term care insurance.As seasoned financial strategists, Blake and Rod bring a wealth of experience in maximizing overfunded life insurance strategies and creating customized wealth pla…
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Financial freedom isn't just a dream—it's a plan. In this episode, Joey Mure, co-founder of Wealth Without Wall Street and Wake Up In Birmingham, reveals his blueprint for escaping the 9-to-5 grind.Joey's journey from mortgage loan originator to a successful entrepreneur has been driven by a passion to help others achieve financial independence.Co-…
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As the wave of aging baby boomers approaches, understanding how to navigate and capitalize on the Silver Tsunami is more crucial than ever. In this episode, I talk with Isabelle Guarino, a 2x Best-Selling author and one of the "Top Influencers in Senior Housing." Isabelle is the COO of Residential Assisted Living Academy and has been a driving forc…
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Joana Andoh, MD, is an ophthalmology resident at The Johns Hopkins Wilmer Eye Institute in Baltimore, Maryland. Dr. Andoh has a long-standing passion for both the sciences and humanities. Her interests include social determinants of diabetic retinopathy, domestic violence-related ocular injuries, and geographic healthcare disparities. Dr. Andoh is …
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Water is the next frontier for innovative investment, and Riggs Eckelberry is leading the charge. A nationally-renowned entrepreneur and the founding CEO of OriginClear. Riggs employs his Break To Build™ process to revolutionize the water industry, which is at a critical juncture despite its fundamental importance. Through OriginClear, he offers gr…
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Imagine transforming from a homeless youth to a Nobel Prize-nominated physicist. In this episode, we delve into the extraordinary life of Palveshey Tariq, a psychedelic integration coach who helps top leaders transcend trauma and reach peak performance. Palveshey's journey is nothing short of miraculous, having served as an AI Researcher at MIT, a …
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Dive into the intricate nexus of finance and politics with Jim Pinkerton, a seasoned strategist whose career spans pivotal White House administrations and influential media platforms.Jim shares profound insights gleaned from his extensive tenure in shaping domestic policies and advising on presidential campaigns. From his roles in Reagan's and Bush…
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How does one go from humble beginnings to leading a global fitness franchise? In this episode, we delve into the inspiring journey of Bryce Henson, CEO of Fit Body Boot Camp, the world’s fastest-growing fitness boot camp franchise. With over a decade of experience in the fitness industry and as the owner of two successful FBBC locations, Bryce's pa…
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Imagine revolutionizing real estate investment by making land smaller and returns larger. In this episode, I dive deep with JD Hill and Aaron Shumaker, co-founders of LandX, to uncover the innovative strategies behind their advanced land developments.Aaron, a trailblazing entrepreneur, catapulted his career at Goldman Sachs before founding Frontpoi…
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Send us a text The books your children read can shape their self-identity and cultural awareness. Join me in conversation with Khumo Tapfumaneyi, Co-Founder and Director of Ethnikids, as we discuss the life-changing power of diversity in children's literature. We discuss how Ethnikids, an online children's book store, is transforming the South Afri…
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Karen Foster is the Executive Director of All Out Adventures based in Massachusetts. Prior to being appointed as its Executive Director, Karen worked for this organization as a program leader. She has also been a 9th grade history teacher and school-based program administrator. Karen is certified to teach coastal kayaking and stand-up paddle boardi…
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In this episode, we explore how Donato Callahan leverages technology to secure the best investment deals. Donato's journey is nothing short of inspiring; he earned the prestigious Department of Defense SMART Scholarship and graduated Magna Cum Laude from Boise State. His passion for wildlife led him to conservation work in South Africa and ecology …
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Ever wondered what sets elite performers apart from the rest? Join us in this episode as we uncover the secrets to a winning mindset with Dr. Cassidy Preston, a Mental Performance Coach for professional athletes and high-achievers, including surgeons, hedge fund managers, and CEOs.Drawing from his own experiences as an elite hockey player, Cassidy …
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What if you could turn today's investments into a legacy of wealth for your children and grandchildren? In this engaging episode, we uncover the blueprint for building and protecting generational wealth with Whitney Elkins-Hutten. As the Director of Investor Education at PassiveInvesting.com and the Founder of AshWealth.com, Whitney brings a wealth…
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Send us a text In this week's episode, we connect with Nsimire Godman, Founder of Raha Copenhagen. This Denmark-based creative shares how a humble background in Rwanda and a spark of creativity during the pandemic led her to create inclusive, aesthetically pleasing soy wax candles. Listen as Nsimire recounts her year-long journey of mastering the c…
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Imagine securing your first rental property in just five days—sounds impossible, right? In this episode, we sit down with Hailame Kinikini, the visionary founder and CEO of Elk Ridge Management, to reveal how it’s done. Hailame, a creative finance expert and real estate entrepreneur, has rapidly become one of Utah’s leading real estate authorities,…
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Molly Lynch, MPH, and Linda Squiers, PhD, both work within the Communication Practice Area at RTI International. Lynch has over 15 years of experience developing, implementing, and evaluating public health programs with a focus on health literacy. She now directs RTI’s Audience Engagement Research Program. This includes using human-centered design …
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Send us a text South African podcaster and social media marketing specialist, Lizzy Hudson is the voice behind the Live to Thrive Podcast. In this episode, she shares her journey into podcasting, inspired by the tragic event of George Floyd's murder in 2020. We discuss the personal impact of this moment and how Lizzy's podcast focuses on amplifying…
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Curious about the strategies behind successful mortgage servicing and note investing? Join us as we delve in with Shante Duffy, the Director of Business Operations at BIFI Loan Servicing. With over a decade of hands-on experience, Shante has carved out a niche as a seasoned expert, demonstrating excellence in loan-servicing operations, regulatory c…
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Ever wondered how to blend real estate investing with an adventurous, globe-trotting lifestyle? In this episode, we sit down with Brian Davis, co-founder of SparkRental and an esteemed real estate investor and personal finance writer. With over two decades of experience in the industry, Brian owns fractional shares in more than 2,000 units and regu…
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In today's dynamic real estate landscape, seizing the right investment opportunity requires impeccable timing and insightful analysis. Join us as we delve into a compelling discussion with Dennis Cisterna, a distinguished figure in the realm of real estate investment, on why the current market presents a prime moment to explore office investments.D…
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Ever wondered how to grow your wealth while enjoying the thrill of the digital age? Join us as we unlock the secrets of passive online business investments with Kyle Kuderewski.An engineer turned investor and entrepreneur. As the Operations Manager at WebStreet, Kyle brings a wealth of experience and expertise to the table, offering unique insights…
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Rohini Khillan, MPH, has been working in the field of public health policy for over a decade in both federal agencies and large nonprofit organizations. While her focus is primarily on issues of aging and disability, Rohini has worked on a variety of topics that include access to care and socioeconomic disparities. Much of her work centers on makin…
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This week join Kevin DeMeritt as we discuss financial markets, interest rate fluctuations and the future of gold and the US dollar. With a career spanning fund management, company founding, and market innovation, DeMeritt brings a wealth of experience to the table. As the founder of Lear Capital, one of the nation's premier precious metals companie…
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Send us a text It all started with a wish for a satin-lined beach hat. When Rachel Osborne could not find one on the market, she set about creating her own. She spent 2023 researching and testing her concept for luxury satin lined, and adjustable hats that would offer "no-frizz" experience for curly and kinky hair. As a result, her brand RAINA was …
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Curious about Bitcoin's trajectory post-Halving? Join us for an insightful discussion with Bob Burnett, CEO of Barefoot Mining, a pioneer in diverse and sustainable Bitcoin mining. Bob, with over 35 years of tech experience, delves into Bitcoin's future amid changing mining landscapes. As a vocal advocate for mining diversity and transparency, Bob'…
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Ready to take charge of your health? Join us as we explore the path to health ownership with Justin Roethlingshoefer, co-founder of OWN IT Coaching—a transformative coaching company empowering leaders nationwide. With a background in coaching elite NCAA and NHL athletes, Justin brings high-performance strategies to everyday individuals.Discover how…
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Send us a text Fikile "Fix" Moeti calls herself a Lightworker and you’ll find out what she means by that in this episode. The Social Entrepreneur is the founder of a pay-it-forward education and women-focused social enterprise, The Fix Scholarship. She is a well-known former radio DJ and MTV South Africa presenter. This long-time yogi is now naviga…
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Unlock the secrets to raising private money in real estate with Jay Conner, a seasoned investor with a track record spanning over two decades. Delve into Jay's journey from rehabbing hundreds of houses to swiftly securing $2,150,000 in private funding within just 90 days during the 2009 financial crisis. Join us as Jay shares his expertise in autom…
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In this episode, I sit down with Mark Pelberg, founder of Mark Pelberg CPA PLLC. Mark, a distinguished CPA and Certified Tax Planner, specializes in crafting financial freedom through tax strategy for high-income earners, real estate investors, and entrepreneurs nationwide. Mark unveils exclusive strategies that have saved clients tens of millions …
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Send us a text Bonnie Meslane is the Founder of the online lifestyle and culture magazine, Nounouche Online. The Johannesburg-based publisher is also the force behind the A-list Public Relations and Communications company, Azania Public, and like all multi-hyphenates, she also works as in the marketing of the iconic and legendary music radio statio…
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Cindy Brach was the lead for health literacy and cultural competence at the Agency for Healthcare Research and Quality (AHRQ) and co-chaired the U.S. Department of Health and Human Services’ Health Literacy Workgroup. Brach led the creation of many important health literacy tools and resources including the AHRQ Health Literacy Universal Precaution…
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In this episode, we delve into the inspiring journey of Matt Fore, a remarkable real estate investor hailing from Nashville, Tennessee. With over a decade of experience in sales and leadership roles, Matt pivoted to real estate and achieved financial independence by the age of 32.As a partner at Next-Level Income, a prestigious $1B+ real estate pri…
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Unlock the secrets to securing your first investment property with David Lecko, the mastermind behind DealMachine and a leading figure in real estate investment based in Austin, TX. David shares invaluable insights on finding your first investment property, drawing from his own journey of building a $2 million rental portfolio.Learn how David's inn…
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Send us a text Monique Webber is the visionary founder of MLWPR Fashion and Beauty PR Agency. Her story isn't just about the sparkle of dressing celebrities in Herve Leger's iconic ensembles; it's a story about ambition, resilience, and a commitment to lifting up minority, local, and women-owned brands. Monique started out as a teen model and progr…
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Join us as we delve into the world of legacy-building with Andrew L. Howell, Co-Founder and Managing Partner of York Howell, a leading Salt Lake City law firm. With over two decades of experience in estate planning and asset protection, Andrew discusses the nuances of wealth transfer, business structuring, and tax planning.As a recognized leader in…
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Discover the secrets to automated income with Neil Twa, the visionary CEO & Co-Founder of Voltage, an elite Amazon growth consultancy driving tens of millions in annual sales. With a stellar track record dating back to 2012, Neil and his award-winning team have collectively generated over $100M+ in Amazon sales. Specializing in launching, scaling, …
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