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  <title>Net Wealth Nest Podcast</title>

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  <link>http://www.netwealthnest.com</link>
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  <copyright>© 2026 Net Wealth Nest Podcast</copyright>
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  <itunes:author>Jim</itunes:author>
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  <description><![CDATA[<p>Welcome to the <b>NetWealthNest Podcast</b> — the show that helps everyday people build real financial stability, starting from wherever you are. Whether you're working your way out of debt or just starting to save, we're here to help you grow your net wealth to your first big wealth milestone.</p><p><br></p><p>Not Sure where to start?&nbsp; Take the 2-min Financial Pulse check at www.netwealthnest.com/pulse</p>]]></description>
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  <itunes:keywords>personal finance, money, grow wealth, financial literacy, financial education, paycheck to paycheck, net wealth, net wealth nest, net worth, </itunes:keywords>
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    <itunes:name>Jim</itunes:name>
    <itunes:email>netwealthnest@gmail.com</itunes:email>
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    <itunes:title>Ep. 43 The Financial Education Nobody Gave You — Let AI fill the Gaps</itunes:title>
    <title>Ep. 43 The Financial Education Nobody Gave You — Let AI fill the Gaps</title>
    <itunes:summary><![CDATA[Send us Fan Mail We spend over a decade in school and never get a single class on how money actually works. That's not an accident, and this episode is about closing that gap on your own terms. In this episode, Jim walks through three ways to use AI as a personal financial education system: learning the language of money, simulating decisions before you commit to them, and building a learning roadmap tailored to where you actually are. What you'll take away: Why "being bad with money" is a kn...]]></itunes:summary>
    <description><![CDATA[<p><a target="_blank" href="https://www.buzzsprout.com/2501127/fan_mail/new">Send us Fan Mail</a></p><p>We spend over a decade in school and never get a single class on how money actually works. That&apos;s not an accident, and this episode is about closing that gap on your own terms.</p><p>In this episode, Jim walks through three ways to use AI as a personal financial education system: learning the language of money, simulating decisions before you commit to them, and building a learning roadmap tailored to where you actually are.</p><p>What you&apos;ll take away:</p><ul><li>Why &quot;being bad with money&quot; is a knowledge deficit you can fix, not a fixed trait</li><li>How to use AI to decode terms like APR, credit utilization, and amortization without embarrassment or judgment</li><li>How to have AI explain a contract or loan before you sign it — and flag what could quietly cost you</li><li>How to run a &quot;pre-mortem&quot; on a big financial decision before you make it</li><li>How to ask AI for the five financial concepts you most need to learn in the next 90 days</li></ul><p>Jim also gets honest about being on the other side of this himself, and what it feels like to be doing all the right things and still feel stuck.</p><p>🎯 Take the FREE 2-minute Financial Pulse Check to find out where you stand: netwealthnest.com/pulse</p><p>New episodes every Monday. Subscribe wherever you listen.</p><p>This content is for educational purposes only and is not financial, tax, or investment advice. Net Wealth Nest, LLC does not provide individualized financial advice. Please consult a qualified professional about your specific situation before making major financial commitments.</p><p><a href='https://www.netwealthnest.com/pulse'><b>Get your 2-minute Financial Pulse Check!</b></a></p><p><a href='https://www.netwealthnest.com/'><b>Visit us for info on our coaching!</b></a></p><p><a href='https://www.youtube.com/@NetWealthNest'><b>Visit Our YouTube Channel</b></a></p><p><br/></p>]]></description>
    <content:encoded><![CDATA[<p><a target="_blank" href="https://www.buzzsprout.com/2501127/fan_mail/new">Send us Fan Mail</a></p><p>We spend over a decade in school and never get a single class on how money actually works. That&apos;s not an accident, and this episode is about closing that gap on your own terms.</p><p>In this episode, Jim walks through three ways to use AI as a personal financial education system: learning the language of money, simulating decisions before you commit to them, and building a learning roadmap tailored to where you actually are.</p><p>What you&apos;ll take away:</p><ul><li>Why &quot;being bad with money&quot; is a knowledge deficit you can fix, not a fixed trait</li><li>How to use AI to decode terms like APR, credit utilization, and amortization without embarrassment or judgment</li><li>How to have AI explain a contract or loan before you sign it — and flag what could quietly cost you</li><li>How to run a &quot;pre-mortem&quot; on a big financial decision before you make it</li><li>How to ask AI for the five financial concepts you most need to learn in the next 90 days</li></ul><p>Jim also gets honest about being on the other side of this himself, and what it feels like to be doing all the right things and still feel stuck.</p><p>🎯 Take the FREE 2-minute Financial Pulse Check to find out where you stand: netwealthnest.com/pulse</p><p>New episodes every Monday. Subscribe wherever you listen.</p><p>This content is for educational purposes only and is not financial, tax, or investment advice. Net Wealth Nest, LLC does not provide individualized financial advice. Please consult a qualified professional about your specific situation before making major financial commitments.</p><p><a href='https://www.netwealthnest.com/pulse'><b>Get your 2-minute Financial Pulse Check!</b></a></p><p><a href='https://www.netwealthnest.com/'><b>Visit us for info on our coaching!</b></a></p><p><a href='https://www.youtube.com/@NetWealthNest'><b>Visit Our YouTube Channel</b></a></p><p><br/></p>]]></content:encoded>
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    <itunes:author>Jim LeBoeuf</itunes:author>
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    <pubDate>Sun, 24 May 2026 07:00:00 -0500</pubDate>
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    <itunes:duration>941</itunes:duration>
    <itunes:keywords>personal finance, financial literacy, financial education, using AI for personal finance, ChatGPT for money, AI financial education, how to use AI for finances, money management for beginners, understanding financial terms, financial questions to ask, sim</itunes:keywords>
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    <itunes:title>Ep. 42 How to Use AI as Your Free Financial Advisor (3 Moves Wealthy People Already Make)</itunes:title>
    <title>Ep. 42 How to Use AI as Your Free Financial Advisor (3 Moves Wealthy People Already Make)</title>
    <itunes:summary><![CDATA[Send us Fan Mail Most people don't talk about their debt — not with their partner, not with their friends. But what if you could talk to someone who knows finances inside and out, doesn't judge you, and is completely free? In this episode, Jim kicks off a three-part AI mini-series with a foundational walkthrough of how to use tools like ChatGPT, Claude, and Gemini to close the financial knowledge gap wealthy people have always paid advisors to fill. What you'll learn: The simple shift from us...]]></itunes:summary>
    <description><![CDATA[<p><a target="_blank" href="https://www.buzzsprout.com/2501127/fan_mail/new">Send us Fan Mail</a></p><p>Most people don&apos;t talk about their debt — not with their partner, not with their friends. But what if you could talk to someone who knows finances inside and out, doesn&apos;t judge you, and is completely free?</p><p>In this episode, Jim kicks off a three-part AI mini-series with a foundational walkthrough of how to use tools like ChatGPT, Claude, and Gemini to close the financial knowledge gap wealthy people have always paid advisors to fill.</p><p>What you&apos;ll learn:</p><ul><li>The simple shift from using AI like a Google search to using it like a financial thought partner.</li><li>How to plug your budget and bank transactions into AI to spot spending gaps you&apos;re missing.</li><li>How AI can explain debt payoff strategies like the snowball and avalanche methods in plain language.</li><li>How to use AI to research and prepare before any money conversation, including negotiation.</li><li>How to use AI as a decision-making partner before major purchases.</li></ul><p>Jim shares a personal story about using AI to negotiate a discount on a real medical bill. Including how the tool actually built a script for him, and what it secured.</p><p>📲 Take the FREE 2-minute Financial Pulse Check to find out where you stand: netwealthnest.com/pulse</p><p>New episodes every Monday. Subscribe wherever you listen.</p><p>Net Wealth Nest, LLC and the Net Wealth Nest Podcast are educational platforms committed to empowering individuals on their financial journey. We do not provide financial, tax, or investment advice. All financial decisions should be made in consultation with a qualified professional who understands your unique circumstances.</p><p><br/></p><p><b>#NetWealthNest #PersonalFinance #AIForFinance #ChatGPTForMoney #FinancialLiteracy #FinancialEducation #MoneyMindset #BudgetingTips #DebtPayoff</b></p><p><a href='https://www.netwealthnest.com/pulse'><b>Get your 2-minute Financial Pulse Check!</b></a></p><p><a href='https://www.netwealthnest.com/'><b>Visit us for info on our coaching!</b></a></p><p><a href='https://www.youtube.com/@NetWealthNest'><b>Visit Our YouTube Channel</b></a></p><p><br/></p>]]></description>
    <content:encoded><![CDATA[<p><a target="_blank" href="https://www.buzzsprout.com/2501127/fan_mail/new">Send us Fan Mail</a></p><p>Most people don&apos;t talk about their debt — not with their partner, not with their friends. But what if you could talk to someone who knows finances inside and out, doesn&apos;t judge you, and is completely free?</p><p>In this episode, Jim kicks off a three-part AI mini-series with a foundational walkthrough of how to use tools like ChatGPT, Claude, and Gemini to close the financial knowledge gap wealthy people have always paid advisors to fill.</p><p>What you&apos;ll learn:</p><ul><li>The simple shift from using AI like a Google search to using it like a financial thought partner.</li><li>How to plug your budget and bank transactions into AI to spot spending gaps you&apos;re missing.</li><li>How AI can explain debt payoff strategies like the snowball and avalanche methods in plain language.</li><li>How to use AI to research and prepare before any money conversation, including negotiation.</li><li>How to use AI as a decision-making partner before major purchases.</li></ul><p>Jim shares a personal story about using AI to negotiate a discount on a real medical bill. Including how the tool actually built a script for him, and what it secured.</p><p>📲 Take the FREE 2-minute Financial Pulse Check to find out where you stand: netwealthnest.com/pulse</p><p>New episodes every Monday. Subscribe wherever you listen.</p><p>Net Wealth Nest, LLC and the Net Wealth Nest Podcast are educational platforms committed to empowering individuals on their financial journey. We do not provide financial, tax, or investment advice. All financial decisions should be made in consultation with a qualified professional who understands your unique circumstances.</p><p><br/></p><p><b>#NetWealthNest #PersonalFinance #AIForFinance #ChatGPTForMoney #FinancialLiteracy #FinancialEducation #MoneyMindset #BudgetingTips #DebtPayoff</b></p><p><a href='https://www.netwealthnest.com/pulse'><b>Get your 2-minute Financial Pulse Check!</b></a></p><p><a href='https://www.netwealthnest.com/'><b>Visit us for info on our coaching!</b></a></p><p><a href='https://www.youtube.com/@NetWealthNest'><b>Visit Our YouTube Channel</b></a></p><p><br/></p>]]></content:encoded>
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    <itunes:author>Jim LeBoeuf</itunes:author>
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    <pubDate>Sun, 17 May 2026 07:00:00 -0500</pubDate>
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    <itunes:duration>867</itunes:duration>
    <itunes:keywords>AI for personal finance, ChatGPT for money, how to use AI for budgeting, AI financial advisor, free financial advisor alternative, AI money tips, personal finance with AI, negotiate medical bill, snowball vs avalanche debt method, budget analysis AI, AI f</itunes:keywords>
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    <itunes:title>Ep. 41 The $500 Mindset Gap: What Wealthy People Do That You Were Never Taught</itunes:title>
    <title>Ep. 41 The $500 Mindset Gap: What Wealthy People Do That You Were Never Taught</title>
    <itunes:summary><![CDATA[Send us Fan Mail 🔎 Not sure where YOU stand financially? Take our FREE 2-minute Financial Pulse Check: 👉 https://netwealthnest.com/pulse If somebody handed you $500 right now, what would you do with it?  Most people think pay a bill, cover a need, maybe save it. All reasonable. But not what wealth builders do.  In this episode, Jim breaks down the 5 moves that people actively building real wealth make with $500. These are habits and strategies that were never taught in most schools and that t...]]></itunes:summary>
    <description><![CDATA[<p><a target="_blank" href="https://www.buzzsprout.com/2501127/fan_mail/new">Send us Fan Mail</a></p><p>🔎 Not sure where YOU stand financially? Take our FREE 2-minute Financial Pulse Check:<br/>👉 https://netwealthnest.com/pulse</p><p>If somebody handed you $500 right now, what would you do with it?<br/><br/>Most people think pay a bill, cover a need, maybe save it. All reasonable. But not what wealth builders do.<br/><br/>In this episode, Jim breaks down the 5 moves that people actively building real wealth make with $500. These are habits and strategies that were never taught in most schools and that the average person never considers.<br/><br/>What&apos;s covered:<br/>- Why an emergency fund is armor, not savings - and why wealthy people fund it first.<br/>- How automating even a small monthly investment can compound into $400K+ over 20 years.<br/>- The tax-advantaged accounts (401k, Roth IRA, HSA) most people leave completely untapped.<br/>- How wealthy people spend money to buy back their time... and then use that time to build more wealth.<br/>- Why financial education + accountability is the one investment that unlocks everything else.<br/><br/>Jim also shares a personal story about coaching, accountability, and what happens when you think you&apos;ve &quot;figured it out&quot; and go it alone.<br/><br/>The game of money is learnable. It just was never taught to most of us.<br/><br/>🔎 Take the FREE 2-minute Financial Pulse Check to find out where you stand:<br/>👉 netwealthnest.com/pulse<br/><br/>New episodes every Sunday. Subscribe wherever you listen.<br/><br/>Net Wealth Nest LLC is an educational platform. Content is not financial, tax, or investment advice. Consult a qualified professional before making major financial decisions.</p><p><a href='https://www.netwealthnest.com/pulse'><b>Get your 2-minute Financial Pulse Check!</b></a></p><p><a href='https://www.netwealthnest.com/'><b>Visit us for info on our coaching!</b></a></p><p><a href='https://www.youtube.com/@NetWealthNest'><b>Visit Our YouTube Channel</b></a></p><p><br/></p>]]></description>
    <content:encoded><![CDATA[<p><a target="_blank" href="https://www.buzzsprout.com/2501127/fan_mail/new">Send us Fan Mail</a></p><p>🔎 Not sure where YOU stand financially? Take our FREE 2-minute Financial Pulse Check:<br/>👉 https://netwealthnest.com/pulse</p><p>If somebody handed you $500 right now, what would you do with it?<br/><br/>Most people think pay a bill, cover a need, maybe save it. All reasonable. But not what wealth builders do.<br/><br/>In this episode, Jim breaks down the 5 moves that people actively building real wealth make with $500. These are habits and strategies that were never taught in most schools and that the average person never considers.<br/><br/>What&apos;s covered:<br/>- Why an emergency fund is armor, not savings - and why wealthy people fund it first.<br/>- How automating even a small monthly investment can compound into $400K+ over 20 years.<br/>- The tax-advantaged accounts (401k, Roth IRA, HSA) most people leave completely untapped.<br/>- How wealthy people spend money to buy back their time... and then use that time to build more wealth.<br/>- Why financial education + accountability is the one investment that unlocks everything else.<br/><br/>Jim also shares a personal story about coaching, accountability, and what happens when you think you&apos;ve &quot;figured it out&quot; and go it alone.<br/><br/>The game of money is learnable. It just was never taught to most of us.<br/><br/>🔎 Take the FREE 2-minute Financial Pulse Check to find out where you stand:<br/>👉 netwealthnest.com/pulse<br/><br/>New episodes every Sunday. Subscribe wherever you listen.<br/><br/>Net Wealth Nest LLC is an educational platform. Content is not financial, tax, or investment advice. Consult a qualified professional before making major financial decisions.</p><p><a href='https://www.netwealthnest.com/pulse'><b>Get your 2-minute Financial Pulse Check!</b></a></p><p><a href='https://www.netwealthnest.com/'><b>Visit us for info on our coaching!</b></a></p><p><a href='https://www.youtube.com/@NetWealthNest'><b>Visit Our YouTube Channel</b></a></p><p><br/></p>]]></content:encoded>
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    <itunes:author>Jim LeBoeuf</itunes:author>
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    <pubDate>Sun, 10 May 2026 07:00:00 -0500</pubDate>
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    <itunes:duration>793</itunes:duration>
    <itunes:keywords>how wealthy people think about money,  wealth building habits, emergency fund strategy, automate investing,  index fund investing beginners, Roth IRA explained, HSA triple tax advantage,  401k employer match, buy back your time, financial education,  fina</itunes:keywords>
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    <itunes:title>Ep. 40 The 3 Money Rules They Never Teach You in School (That the Wealthy Use Every Day)</itunes:title>
    <title>Ep. 40 The 3 Money Rules They Never Teach You in School (That the Wealthy Use Every Day)</title>
    <itunes:summary><![CDATA[Send us Fan Mail 🔎 Not sure where YOU stand financially? Take our FREE 2-minute Financial Pulse Check: 👉 https://netwealthnest.com/pulse   Has anyone ever actually taught you how money works? For most people, the answer is no. And that's a systemic problem, not a personal one. In this episode, Jim breaks down three rules of money that wealthy people apply every day, and most people never hear: compound interest (the force that's already working for you or against you), assets vs. liabilities ...]]></itunes:summary>
    <description><![CDATA[<p><a target="_blank" href="https://www.buzzsprout.com/2501127/fan_mail/new">Send us Fan Mail</a></p><p>🔎 Not sure where YOU stand financially? Take our FREE 2-minute Financial Pulse Check:<br/>👉 https://netwealthnest.com/pulse</p><p><br/></p><p>Has anyone ever actually taught you how money works? For most people, the answer is no. And that&apos;s a systemic problem, not a personal one.</p><p>In this episode, Jim breaks down three rules of money that wealthy people apply every day, and most people never hear: compound interest (the force that&apos;s already working for you or against you), assets vs. liabilities (most people get cars and houses wrong), and opportunity cost (what every dollar you spend will never become).</p><p>These aren&apos;t theories. They&apos;re the rules that quietly determine whether your financial decisions build you up or hold you back.</p><p>Free 2-Minute Pulse Check to spot the habit costing you the most: www.netwealthnest.com/pulse</p><p>Progress over perfection. Always.</p><p><a href='https://www.netwealthnest.com/pulse'><b>Get your 2-minute Financial Pulse Check!</b></a></p><p><a href='https://www.netwealthnest.com/'><b>Visit us for info on our coaching!</b></a></p><p><a href='https://www.youtube.com/@NetWealthNest'><b>Visit Our YouTube Channel</b></a></p><p><br/></p>]]></description>
    <content:encoded><![CDATA[<p><a target="_blank" href="https://www.buzzsprout.com/2501127/fan_mail/new">Send us Fan Mail</a></p><p>🔎 Not sure where YOU stand financially? Take our FREE 2-minute Financial Pulse Check:<br/>👉 https://netwealthnest.com/pulse</p><p><br/></p><p>Has anyone ever actually taught you how money works? For most people, the answer is no. And that&apos;s a systemic problem, not a personal one.</p><p>In this episode, Jim breaks down three rules of money that wealthy people apply every day, and most people never hear: compound interest (the force that&apos;s already working for you or against you), assets vs. liabilities (most people get cars and houses wrong), and opportunity cost (what every dollar you spend will never become).</p><p>These aren&apos;t theories. They&apos;re the rules that quietly determine whether your financial decisions build you up or hold you back.</p><p>Free 2-Minute Pulse Check to spot the habit costing you the most: www.netwealthnest.com/pulse</p><p>Progress over perfection. Always.</p><p><a href='https://www.netwealthnest.com/pulse'><b>Get your 2-minute Financial Pulse Check!</b></a></p><p><a href='https://www.netwealthnest.com/'><b>Visit us for info on our coaching!</b></a></p><p><a href='https://www.youtube.com/@NetWealthNest'><b>Visit Our YouTube Channel</b></a></p><p><br/></p>]]></content:encoded>
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    <itunes:author>Jim LeBoeuf</itunes:author>
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    <pubDate>Mon, 04 May 2026 19:00:00 -0500</pubDate>
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    <itunes:duration>821</itunes:duration>
    <itunes:keywords>assets vs liabilities, beginner personal finance, breaking the paycheck cycle, build wealth from nothing, compound interest explained, financial education, financial education for beginners, financial empowerment, financial freedom, financial literacy, ho</itunes:keywords>
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    <itunes:title>Ep. 39 The College Trap: Is that Degree Actually Worth What You Pay For It?&quot;</itunes:title>
    <title>Ep. 39 The College Trap: Is that Degree Actually Worth What You Pay For It?&quot;</title>
    <itunes:summary><![CDATA[Send us Fan Mail 🔎 Not sure where YOU stand financially? Take our FREE 2-minute Financial Pulse Check: 👉 https://netwealthnest.com/pulse Is a college degree still worth it, or has the formula changed?  In this episode, Jim LeBoeuf takes an honest look at the promise of college versus the reality of today's job market. With over $1.7 trillion in U.S. student debt and 2024-2025 college graduates ranking among the highest unemployment rates in the country, the old playbook needs a serious u...]]></itunes:summary>
    <description><![CDATA[<p><a target="_blank" href="https://www.buzzsprout.com/2501127/fan_mail/new">Send us Fan Mail</a></p><p>🔎 Not sure where YOU stand financially? Take our FREE 2-minute Financial Pulse Check:<br/>👉 https://netwealthnest.com/pulse</p><p>Is a college degree still worth it, or has the formula changed? </p><p>In this episode, Jim LeBoeuf takes an honest look at the promise of college versus the reality of today&apos;s job market. With over $1.7 trillion in U.S. student debt and 2024-2025 college graduates ranking among the highest unemployment rates in the country, the old playbook needs a serious update. </p><p>Jim walks through which degrees still deliver strong returns (think STEM, healthcare, and specialized fields), why trade schools and apprenticeships are quietly producing six-figure earners without the debt load, and how to think about ANY education investment through a return-on-investment lens; not just a &quot;did I get a diploma&quot; lens. This is the conversation high schools, parents, and young adults should be having... but usually aren&apos;t. </p><p>If this episode resonated with you, share it with someone who&apos;s weighing a major education decision. And make sure you&apos;re subscribed so you never miss an episode. </p><p>New episodes drop weekly. | NetwealthNest.com</p><p>#PersonalFinance #StudentLoans #CollegeDebt #FinancialFreedom #TradeSchool #NetwealthNest #Apprenticeship #SkillsOverDegrees #GenZMoney #MillennialFinance #STEMcareers</p><p><a href='https://www.netwealthnest.com/pulse'><b>Get your 2-minute Financial Pulse Check!</b></a></p><p><a href='https://www.netwealthnest.com/'><b>Visit us for info on our coaching!</b></a></p><p><a href='https://www.youtube.com/@NetWealthNest'><b>Visit Our YouTube Channel</b></a></p><p><br/></p>]]></description>
    <content:encoded><![CDATA[<p><a target="_blank" href="https://www.buzzsprout.com/2501127/fan_mail/new">Send us Fan Mail</a></p><p>🔎 Not sure where YOU stand financially? Take our FREE 2-minute Financial Pulse Check:<br/>👉 https://netwealthnest.com/pulse</p><p>Is a college degree still worth it, or has the formula changed? </p><p>In this episode, Jim LeBoeuf takes an honest look at the promise of college versus the reality of today&apos;s job market. With over $1.7 trillion in U.S. student debt and 2024-2025 college graduates ranking among the highest unemployment rates in the country, the old playbook needs a serious update. </p><p>Jim walks through which degrees still deliver strong returns (think STEM, healthcare, and specialized fields), why trade schools and apprenticeships are quietly producing six-figure earners without the debt load, and how to think about ANY education investment through a return-on-investment lens; not just a &quot;did I get a diploma&quot; lens. This is the conversation high schools, parents, and young adults should be having... but usually aren&apos;t. </p><p>If this episode resonated with you, share it with someone who&apos;s weighing a major education decision. And make sure you&apos;re subscribed so you never miss an episode. </p><p>New episodes drop weekly. | NetwealthNest.com</p><p>#PersonalFinance #StudentLoans #CollegeDebt #FinancialFreedom #TradeSchool #NetwealthNest #Apprenticeship #SkillsOverDegrees #GenZMoney #MillennialFinance #STEMcareers</p><p><a href='https://www.netwealthnest.com/pulse'><b>Get your 2-minute Financial Pulse Check!</b></a></p><p><a href='https://www.netwealthnest.com/'><b>Visit us for info on our coaching!</b></a></p><p><a href='https://www.youtube.com/@NetWealthNest'><b>Visit Our YouTube Channel</b></a></p><p><br/></p>]]></content:encoded>
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    <itunes:author>Jim LeBoeuf</itunes:author>
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    <pubDate>Sun, 26 Apr 2026 18:00:00 -0500</pubDate>
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    <itunes:duration>622</itunes:duration>
    <itunes:keywords>college, financial education, financial literacy, trade schools, Net Wealth Nest, Gen Z Money, College Alternatives, personal finance, apprenticeship, skills over degrees, paycheck to paycheck, college debt, student loans</itunes:keywords>
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    <itunes:title>Ep. 38 Your Money Isn&#39;t Going Further... Here&#39;s the Math Nobody&#39;s Showing You</itunes:title>
    <title>Ep. 38 Your Money Isn&#39;t Going Further... Here&#39;s the Math Nobody&#39;s Showing You</title>
    <itunes:summary><![CDATA[Send us Fan Mail 🔎 Not sure where YOU stand financially? Take our FREE 2-minute Financial Pulse Check: 👉 https://netwealthnest.com/pulse Groceries, gas, insurance, rent... everything costs more and most people's paychecks haven't kept up. In this episode, Jim breaks down the purchasing power squeeze and gives you a real, actionable 3-bucket plan to fight back. You'll learn how to do a budget autopsy, run a subscription audit, negotiate your fixed costs (yes, even medical bills and insurance),...]]></itunes:summary>
    <description><![CDATA[<p><a target="_blank" href="https://www.buzzsprout.com/2501127/fan_mail/new">Send us Fan Mail</a></p><p>🔎 Not sure where YOU stand financially? Take our FREE 2-minute Financial Pulse Check:<br/>👉 https://netwealthnest.com/pulse</p><p>Groceries, gas, insurance, rent... everything costs more and most people&apos;s paychecks haven&apos;t kept up. In this episode, Jim breaks down the <b>purchasing power squeeze</b> and gives you a real, actionable 3-bucket plan to fight back.</p><p>You&apos;ll learn how to do a <b>budget autopsy</b>, run a <b>subscription audit</b>, negotiate your <b>fixed costs</b> (yes, even medical bills and insurance), and think about your <b>income lever</b> — not just your expense lever.</p><p>The people who come out ahead aren&apos;t the ones who panic. They&apos;re the ones who get intentional. This episode will show you how.</p><p>🔗 Try the free Pulse Check tool at www.Netwealthnest.com</p><p><em>NetWealth Nest is an educational platform. Please consult a qualified professional before making major financial decisions.</em></p><p>#NetWealthNest #PersonalFinance #InflationTips #PaycheckToPaycheck #BudgetingTips #MoneyMindset #FinancialFreedom #WealthBuilding #SideHustle #MoneyTips #FixedCosts #BudgetHacks #FinancialEducation #FrugalLiving #DebtFree</p><p><a href='https://www.netwealthnest.com/pulse'><b>Get your 2-minute Financial Pulse Check!</b></a></p><p><a href='https://www.netwealthnest.com/'><b>Visit us for info on our coaching!</b></a></p><p><a href='https://www.youtube.com/@NetWealthNest'><b>Visit Our YouTube Channel</b></a></p><p><br/></p>]]></description>
    <content:encoded><![CDATA[<p><a target="_blank" href="https://www.buzzsprout.com/2501127/fan_mail/new">Send us Fan Mail</a></p><p>🔎 Not sure where YOU stand financially? Take our FREE 2-minute Financial Pulse Check:<br/>👉 https://netwealthnest.com/pulse</p><p>Groceries, gas, insurance, rent... everything costs more and most people&apos;s paychecks haven&apos;t kept up. In this episode, Jim breaks down the <b>purchasing power squeeze</b> and gives you a real, actionable 3-bucket plan to fight back.</p><p>You&apos;ll learn how to do a <b>budget autopsy</b>, run a <b>subscription audit</b>, negotiate your <b>fixed costs</b> (yes, even medical bills and insurance), and think about your <b>income lever</b> — not just your expense lever.</p><p>The people who come out ahead aren&apos;t the ones who panic. They&apos;re the ones who get intentional. This episode will show you how.</p><p>🔗 Try the free Pulse Check tool at www.Netwealthnest.com</p><p><em>NetWealth Nest is an educational platform. Please consult a qualified professional before making major financial decisions.</em></p><p>#NetWealthNest #PersonalFinance #InflationTips #PaycheckToPaycheck #BudgetingTips #MoneyMindset #FinancialFreedom #WealthBuilding #SideHustle #MoneyTips #FixedCosts #BudgetHacks #FinancialEducation #FrugalLiving #DebtFree</p><p><a href='https://www.netwealthnest.com/pulse'><b>Get your 2-minute Financial Pulse Check!</b></a></p><p><a href='https://www.netwealthnest.com/'><b>Visit us for info on our coaching!</b></a></p><p><a href='https://www.youtube.com/@NetWealthNest'><b>Visit Our YouTube Channel</b></a></p><p><br/></p>]]></content:encoded>
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    <itunes:author>Jim LeBoeuf</itunes:author>
    <guid isPermaLink="false">Buzzsprout-19038788</guid>
    <pubDate>Sun, 19 Apr 2026 08:00:00 -0500</pubDate>
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    <itunes:duration>1455</itunes:duration>
    <itunes:keywords>how to fight inflation on a budget, purchasing power squeeze explained, how to negotiate your bills, paycheck to paycheck tips, lower your fixed costs, subscription audit saving, wealth building for beginners, financial education podcast, side hustle inco</itunes:keywords>
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    <itunes:title>Ep. 37 The Hidden Tax of Your Food: How Convenience is Killing Your Wealth.</itunes:title>
    <title>Ep. 37 The Hidden Tax of Your Food: How Convenience is Killing Your Wealth.</title>
    <itunes:summary><![CDATA[Send us Fan Mail 🔎 Not sure where YOU stand financially? Take our FREE 2-minute Financial Pulse Check: 👉 https://netwealthnest.com/pulse Stop paying the "Convenience Tax."  Most people treat their cars better than their bodies. You wouldn't put low-grade fuel in a Ferrari, yet we fuel our most important asset, our biological engine, with processed filler. In this episode of the Net Wealth Nest podcast, Jim LeBoeuf breaks down the "Big Three" of budgeting, focusing on the one you have the...]]></itunes:summary>
    <description><![CDATA[<p><a target="_blank" href="https://www.buzzsprout.com/2501127/fan_mail/new">Send us Fan Mail</a></p><p>🔎 Not sure where YOU stand financially? Take our FREE 2-minute Financial Pulse Check:<br/>👉 https://netwealthnest.com/pulse</p><p>Stop paying the &quot;Convenience Tax.&quot; </p><p>Most people treat their cars better than their bodies. You wouldn&apos;t put low-grade fuel in a Ferrari, yet we fuel our most important asset, our biological engine, with processed filler.</p><p>In this episode of the Net Wealth Nest podcast, Jim LeBoeuf breaks down the &quot;Big Three&quot; of budgeting, focusing on the one you have the most control over: Food. We’re moving past &quot;saving pennies&quot; and looking at the macro-level impact of your eating habits on your net wealth.</p><p><b>In this episode, you’ll learn:</b></p><ul><li><b>The 15%/20% Rule:</b> How to calculate exactly what you should be spending on food based on your net pay.</li><li><b>The DoorDash Trap:</b> Why delivery apps are effectively high-interest micro-loans with a -200% ROI.</li><li><b>The Medical Bankruptcy Link:</b> Why spending $50 more on nutrient-dense food today protects you from a $5,000 deductible tomorrow.</li><li><b>Tactical Gains:</b> How to &quot;pay yourself&quot; $40–$80 an hour simply by changing how you shop and cook.</li></ul><p><b>Stop living for convenience and start living for freedom.</b></p><p><a href='https://www.netwealthnest.com/pulse'><b>Get your 2-minute Financial Pulse Check!</b></a></p><p><a href='https://www.netwealthnest.com/'><b>Visit us for info on our coaching!</b></a></p><p><a href='https://www.youtube.com/@NetWealthNest'><b>Visit Our YouTube Channel</b></a></p><p><br/></p>]]></description>
    <content:encoded><![CDATA[<p><a target="_blank" href="https://www.buzzsprout.com/2501127/fan_mail/new">Send us Fan Mail</a></p><p>🔎 Not sure where YOU stand financially? Take our FREE 2-minute Financial Pulse Check:<br/>👉 https://netwealthnest.com/pulse</p><p>Stop paying the &quot;Convenience Tax.&quot; </p><p>Most people treat their cars better than their bodies. You wouldn&apos;t put low-grade fuel in a Ferrari, yet we fuel our most important asset, our biological engine, with processed filler.</p><p>In this episode of the Net Wealth Nest podcast, Jim LeBoeuf breaks down the &quot;Big Three&quot; of budgeting, focusing on the one you have the most control over: Food. We’re moving past &quot;saving pennies&quot; and looking at the macro-level impact of your eating habits on your net wealth.</p><p><b>In this episode, you’ll learn:</b></p><ul><li><b>The 15%/20% Rule:</b> How to calculate exactly what you should be spending on food based on your net pay.</li><li><b>The DoorDash Trap:</b> Why delivery apps are effectively high-interest micro-loans with a -200% ROI.</li><li><b>The Medical Bankruptcy Link:</b> Why spending $50 more on nutrient-dense food today protects you from a $5,000 deductible tomorrow.</li><li><b>Tactical Gains:</b> How to &quot;pay yourself&quot; $40–$80 an hour simply by changing how you shop and cook.</li></ul><p><b>Stop living for convenience and start living for freedom.</b></p><p><a href='https://www.netwealthnest.com/pulse'><b>Get your 2-minute Financial Pulse Check!</b></a></p><p><a href='https://www.netwealthnest.com/'><b>Visit us for info on our coaching!</b></a></p><p><a href='https://www.youtube.com/@NetWealthNest'><b>Visit Our YouTube Channel</b></a></p><p><br/></p>]]></content:encoded>
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    <itunes:author>Jim LeBoeuf</itunes:author>
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    <pubDate>Sun, 12 Apr 2026 08:00:00 -0500</pubDate>
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    <itunes:duration>1229</itunes:duration>
    <itunes:keywords>Food budgeting, cost of delivery apps, financial literacy, grocery shopping hacks, health and wealth connection, high impact skills, how to stop living paycheck to paycheck, meal prep for beginners, net wealth building</itunes:keywords>
    <itunes:episodeType>full</itunes:episodeType>
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    <itunes:title>Ep. 36 The Million Dollar Idea is a LIE (Do This Instead)</itunes:title>
    <title>Ep. 36 The Million Dollar Idea is a LIE (Do This Instead)</title>
    <itunes:summary><![CDATA[Send us Fan Mail 🔎 Not sure where YOU stand financially? Take our FREE 2-minute Financial Pulse Check: 👉 https://netwealthnest.com/pulse Do you feel like you’re one "big idea" away from financial freedom? Host Jim LeBoeuf challenges the "Million Dollar Idea Lie" in today’s episode. We often pass up wealth-building opportunities because they aren’t "innovative" enough, while the 1% are busy scaling boring, reliable solutions to common problems. Jim shares his personal journey from offering fre...]]></itunes:summary>
    <description><![CDATA[<p><a target="_blank" href="https://www.buzzsprout.com/2501127/fan_mail/new">Send us Fan Mail</a></p><p>🔎 Not sure where YOU stand financially? Take our FREE 2-minute Financial Pulse Check:<br/>👉 https://netwealthnest.com/pulse</p><p>Do you feel like you’re one &quot;big idea&quot; away from financial freedom? Host Jim LeBoeuf challenges the &quot;Million Dollar Idea Lie&quot; in today’s episode. We often pass up wealth-building opportunities because they aren’t &quot;innovative&quot; enough, while the 1% are busy scaling boring, reliable solutions to common problems.</p><p>Jim shares his personal journey from offering free advice to launching a robust coaching business and community. This episode is a kickstart for anyone tired of the W2 grind who wants to validate a skill and see that first $100 in revenue. Stop daydreaming and start solving.</p><p>#WealthMindset #FinancialIndependence #SideHustleTips #ProblemSolving #EntrepreneurLife #NetWealthNest #MoneyGame</p><p><a href='https://www.netwealthnest.com/pulse'><b>Get your 2-minute Financial Pulse Check!</b></a></p><p><a href='https://www.netwealthnest.com/'><b>Visit us for info on our coaching!</b></a></p><p><a href='https://www.youtube.com/@NetWealthNest'><b>Visit Our YouTube Channel</b></a></p><p><br/></p>]]></description>
    <content:encoded><![CDATA[<p><a target="_blank" href="https://www.buzzsprout.com/2501127/fan_mail/new">Send us Fan Mail</a></p><p>🔎 Not sure where YOU stand financially? Take our FREE 2-minute Financial Pulse Check:<br/>👉 https://netwealthnest.com/pulse</p><p>Do you feel like you’re one &quot;big idea&quot; away from financial freedom? Host Jim LeBoeuf challenges the &quot;Million Dollar Idea Lie&quot; in today’s episode. We often pass up wealth-building opportunities because they aren’t &quot;innovative&quot; enough, while the 1% are busy scaling boring, reliable solutions to common problems.</p><p>Jim shares his personal journey from offering free advice to launching a robust coaching business and community. This episode is a kickstart for anyone tired of the W2 grind who wants to validate a skill and see that first $100 in revenue. Stop daydreaming and start solving.</p><p>#WealthMindset #FinancialIndependence #SideHustleTips #ProblemSolving #EntrepreneurLife #NetWealthNest #MoneyGame</p><p><a href='https://www.netwealthnest.com/pulse'><b>Get your 2-minute Financial Pulse Check!</b></a></p><p><a href='https://www.netwealthnest.com/'><b>Visit us for info on our coaching!</b></a></p><p><a href='https://www.youtube.com/@NetWealthNest'><b>Visit Our YouTube Channel</b></a></p><p><br/></p>]]></content:encoded>
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    <itunes:author>Jim LeBoeuf</itunes:author>
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    <pubDate>Sat, 04 Apr 2026 06:00:00 -0500</pubDate>
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    <itunes:duration>608</itunes:duration>
    <itunes:keywords>Financial Empowerment, High-Value Skills, Side Hustle Strategy, Passive Income Myths, Solopreneurship, Problem Solving Business, Financial Stability, Exit the W2.</itunes:keywords>
    <itunes:episodeType>full</itunes:episodeType>
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    <itunes:title>Ep. 35 Your 9-5 Is A Trap... Unless You Use This Secret &quot;VC&quot; Strategy</itunes:title>
    <title>Ep. 35 Your 9-5 Is A Trap... Unless You Use This Secret &quot;VC&quot; Strategy</title>
    <itunes:summary><![CDATA[Send us Fan Mail 🔎 Not sure where YOU stand financially? Take our FREE 2-minute Financial Pulse Check: 👉 https://netwealthnest.com/pulse Is your 9-5 providing you peace of mind, or just enough "bribe" to tolerate the stress? This week, Jim challenges the traditional definition of financial stability. With AI and automation shifting the landscape of knowledge work in 2026, relying on a single paycheck is the most dangerous financial move you can make. Jim discusses the "Venture Capitalist" str...]]></itunes:summary>
    <description><![CDATA[<p><a target="_blank" href="https://www.buzzsprout.com/2501127/fan_mail/new">Send us Fan Mail</a></p><p>🔎 Not sure where YOU stand financially? Take our FREE 2-minute Financial Pulse Check:<br/>👉 https://netwealthnest.com/pulse</p><p>Is your 9-5 providing you peace of mind, or just enough &quot;bribe&quot; to tolerate the stress? This week, Jim challenges the traditional definition of financial stability. With AI and automation shifting the landscape of knowledge work in 2026, relying on a single paycheck is the most dangerous financial move you can make.</p><p>Jim discusses the &quot;Venture Capitalist&quot; strategy—treating your current job as the funding source for your future assets, side businesses, and ultimate freedom. We dive into the psychology of being &quot;unfireable&quot; and how to use your 9-5 to acquire the skills and tools necessary to break the paycheck-to-paycheck cycle.</p><p><br/></p><p>#FinancialFreedom #WealthMindset #NetwealthNest #CareerStrategy #9to5Trap #FinancialStability #InvestInYourself #PassiveIncome #ExitPlan</p><p><a href='https://www.netwealthnest.com/pulse'><b>Get your 2-minute Financial Pulse Check!</b></a></p><p><a href='https://www.netwealthnest.com/'><b>Visit us for info on our coaching!</b></a></p><p><a href='https://www.youtube.com/@NetWealthNest'><b>Visit Our YouTube Channel</b></a></p><p><br/></p>]]></description>
    <content:encoded><![CDATA[<p><a target="_blank" href="https://www.buzzsprout.com/2501127/fan_mail/new">Send us Fan Mail</a></p><p>🔎 Not sure where YOU stand financially? Take our FREE 2-minute Financial Pulse Check:<br/>👉 https://netwealthnest.com/pulse</p><p>Is your 9-5 providing you peace of mind, or just enough &quot;bribe&quot; to tolerate the stress? This week, Jim challenges the traditional definition of financial stability. With AI and automation shifting the landscape of knowledge work in 2026, relying on a single paycheck is the most dangerous financial move you can make.</p><p>Jim discusses the &quot;Venture Capitalist&quot; strategy—treating your current job as the funding source for your future assets, side businesses, and ultimate freedom. We dive into the psychology of being &quot;unfireable&quot; and how to use your 9-5 to acquire the skills and tools necessary to break the paycheck-to-paycheck cycle.</p><p><br/></p><p>#FinancialFreedom #WealthMindset #NetwealthNest #CareerStrategy #9to5Trap #FinancialStability #InvestInYourself #PassiveIncome #ExitPlan</p><p><a href='https://www.netwealthnest.com/pulse'><b>Get your 2-minute Financial Pulse Check!</b></a></p><p><a href='https://www.netwealthnest.com/'><b>Visit us for info on our coaching!</b></a></p><p><a href='https://www.youtube.com/@NetWealthNest'><b>Visit Our YouTube Channel</b></a></p><p><br/></p>]]></content:encoded>
    <enclosure url="https://www.buzzsprout.com/2501127/episodes/18918754-ep-35-your-9-5-is-a-trap-unless-you-use-this-secret-vc-strategy.mp3" length="7258346" type="audio/mpeg" />
    <itunes:author>Jim LeBoeuf</itunes:author>
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    <pubDate>Sun, 29 Mar 2026 06:00:00 -0500</pubDate>
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    <itunes:duration>602</itunes:duration>
    <itunes:keywords>Financial Freedom, 9-5 Trap, Wealth Building Strategies, Side Hustle Tips, AI Job Displacement, Venture Capitalist Mindset, Passive Income Assets, Emergency Fund Strategy, Net Wealth Nest, Breaking the Paycheck Cycle</itunes:keywords>
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    <itunes:title>Ep. 34 The System Isn’t Broken: It’s Working Exactly as Intended.</itunes:title>
    <title>Ep. 34 The System Isn’t Broken: It’s Working Exactly as Intended.</title>
    <itunes:summary><![CDATA[Send us Fan Mail 🔎 Not sure where YOU stand financially? Take our FREE 2-minute Financial Pulse Check: 👉 https://netwealthnest.com/pulse Is the system broken, or is it working exactly as intended? Today, Jim dives into the sobering reality of the "49% struggle"... the nearly half of Americans who are drowning financially despite working harder, or working multiple jobs. We peel back the curtain on "The Spread" (the math banks don't want you to see) and the "Stealth Tax" of inflation. More imp...]]></itunes:summary>
    <description><![CDATA[<p><a target="_blank" href="https://www.buzzsprout.com/2501127/fan_mail/new">Send us Fan Mail</a></p><p>🔎 Not sure where YOU stand financially? Take our FREE 2-minute Financial Pulse Check:<br/>👉 https://netwealthnest.com/pulse</p><p>Is the system broken, or is it working exactly as intended? Today, Jim dives into the sobering reality of the &quot;49% struggle&quot;... the nearly half of Americans who are drowning financially despite working harder, or working multiple jobs. We peel back the curtain on &quot;The Spread&quot; (the math banks don&apos;t want you to see) and the &quot;Stealth Tax&quot; of inflation. More importantly, Jim shares his personal journey from the paycheck-to-paycheck cycle to financial ownership.</p><p>If you&apos;re tired of being the &quot;unpaid intern&quot; in the bank&apos;s business model, this episode is your wake-up call. Visit NetWealthNest.com to join the community and start building your Nest.</p><p>#FinancialFreedom #TheSystemIsRigged #MoneyMindset #NetWealthNest #FinancialLiteracy #StopTheLeak #WealthBuilding</p><p><a href='https://www.netwealthnest.com/pulse'><b>Get your 2-minute Financial Pulse Check!</b></a></p><p><a href='https://www.netwealthnest.com/'><b>Visit us for info on our coaching!</b></a></p><p><a href='https://www.youtube.com/@NetWealthNest'><b>Visit Our YouTube Channel</b></a></p><p><br/></p>]]></description>
    <content:encoded><![CDATA[<p><a target="_blank" href="https://www.buzzsprout.com/2501127/fan_mail/new">Send us Fan Mail</a></p><p>🔎 Not sure where YOU stand financially? Take our FREE 2-minute Financial Pulse Check:<br/>👉 https://netwealthnest.com/pulse</p><p>Is the system broken, or is it working exactly as intended? Today, Jim dives into the sobering reality of the &quot;49% struggle&quot;... the nearly half of Americans who are drowning financially despite working harder, or working multiple jobs. We peel back the curtain on &quot;The Spread&quot; (the math banks don&apos;t want you to see) and the &quot;Stealth Tax&quot; of inflation. More importantly, Jim shares his personal journey from the paycheck-to-paycheck cycle to financial ownership.</p><p>If you&apos;re tired of being the &quot;unpaid intern&quot; in the bank&apos;s business model, this episode is your wake-up call. Visit NetWealthNest.com to join the community and start building your Nest.</p><p>#FinancialFreedom #TheSystemIsRigged #MoneyMindset #NetWealthNest #FinancialLiteracy #StopTheLeak #WealthBuilding</p><p><a href='https://www.netwealthnest.com/pulse'><b>Get your 2-minute Financial Pulse Check!</b></a></p><p><a href='https://www.netwealthnest.com/'><b>Visit us for info on our coaching!</b></a></p><p><a href='https://www.youtube.com/@NetWealthNest'><b>Visit Our YouTube Channel</b></a></p><p><br/></p>]]></content:encoded>
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    <itunes:author>Jim LeBoeuf</itunes:author>
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    <pubDate>Sun, 22 Mar 2026 08:00:00 -0500</pubDate>
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    <itunes:duration>625</itunes:duration>
    <itunes:keywords>Financial Literacy, The Spread, Bank Interest Rates, High Yield Savings Account, Inflation Explained, Paycheck to Paycheck Cycle, Wealth Building Strategy, Net Wealth Nest, Financial Empowerment, Personal Finance for Beginners</itunes:keywords>
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    <itunes:title>Ep. 33 Stop Investing Until You Do This (The $1,000 Rule)</itunes:title>
    <title>Ep. 33 Stop Investing Until You Do This (The $1,000 Rule)</title>
    <itunes:summary><![CDATA[Send us Fan Mail 🔎 Not sure where YOU stand financially? Take our FREE 2-minute Financial Pulse Check: 👉 https://netwealthnest.com/pulse Most people are hamstrung by "analysis paralysis". They want the gains of the stock market but live in fear of a single car repair wiping them out. In this episode of the Net Wealth Nest Podcast, Jim breaks down the brutal truth: Savings is for stability, not wealth. If you are investing while carrying high-interest credit card debt or without a $1,000 emerg...]]></itunes:summary>
    <description><![CDATA[<p><a target="_blank" href="https://www.buzzsprout.com/2501127/fan_mail/new">Send us Fan Mail</a></p><p>🔎 Not sure where YOU stand financially? Take our FREE 2-minute Financial Pulse Check:<br/>👉 https://netwealthnest.com/pulse</p><p>Most people are hamstrung by &quot;analysis paralysis&quot;. They want the gains of the stock market but live in fear of a single car repair wiping them out. In this episode of the Net Wealth Nest Podcast, Jim breaks down the brutal truth: <b>Savings is for stability, not wealth.</b> If you are investing while carrying high-interest credit card debt or without a $1,000 emergency fund, you aren’t building wealth... you’re treading water with a weight tied to your ankle.</p><p><b>In this episode, we cover:</b></p><ul><li><b>The Stability Trap:</b> Why your savings account is actually losing value every day.</li><li><b>The Toxic Debt Filter:</b> Why your 20% credit card interest is killing your 8% market gains.</li><li><b>The Wealth Sequence:</b> The exact order you must follow: Emergency Fund  &gt; Employer Match &gt; Debt Elimination &gt; Long-term Investing.</li><li><b>Compound Interest:</b> Why &quot;Ownership&quot; is the only path to the 1%.</li></ul><p><b>STOP THE CYCLE:</b> Building your Net Wealth Nest isn&apos;t about luck; it&apos;s about the boring, consistent execution of a superior plan.</p><p><b>Take the next step:</b> Join our private community for one-on-one coaching and accountability to break the paycheck-to-paycheck cycle.</p><p><br/></p><p>#FinancialFreedom #InvestingForBeginners #EmergencyFund #WealthBuilding #NetWealthNest #MoneyMindset #PersonalFinance #ExitTheRatRace</p><p><a href='https://www.netwealthnest.com/pulse'><b>Get your 2-minute Financial Pulse Check!</b></a></p><p><a href='https://www.netwealthnest.com/'><b>Visit us for info on our coaching!</b></a></p><p><a href='https://www.youtube.com/@NetWealthNest'><b>Visit Our YouTube Channel</b></a></p><p><br/></p>]]></description>
    <content:encoded><![CDATA[<p><a target="_blank" href="https://www.buzzsprout.com/2501127/fan_mail/new">Send us Fan Mail</a></p><p>🔎 Not sure where YOU stand financially? Take our FREE 2-minute Financial Pulse Check:<br/>👉 https://netwealthnest.com/pulse</p><p>Most people are hamstrung by &quot;analysis paralysis&quot;. They want the gains of the stock market but live in fear of a single car repair wiping them out. In this episode of the Net Wealth Nest Podcast, Jim breaks down the brutal truth: <b>Savings is for stability, not wealth.</b> If you are investing while carrying high-interest credit card debt or without a $1,000 emergency fund, you aren’t building wealth... you’re treading water with a weight tied to your ankle.</p><p><b>In this episode, we cover:</b></p><ul><li><b>The Stability Trap:</b> Why your savings account is actually losing value every day.</li><li><b>The Toxic Debt Filter:</b> Why your 20% credit card interest is killing your 8% market gains.</li><li><b>The Wealth Sequence:</b> The exact order you must follow: Emergency Fund  &gt; Employer Match &gt; Debt Elimination &gt; Long-term Investing.</li><li><b>Compound Interest:</b> Why &quot;Ownership&quot; is the only path to the 1%.</li></ul><p><b>STOP THE CYCLE:</b> Building your Net Wealth Nest isn&apos;t about luck; it&apos;s about the boring, consistent execution of a superior plan.</p><p><b>Take the next step:</b> Join our private community for one-on-one coaching and accountability to break the paycheck-to-paycheck cycle.</p><p><br/></p><p>#FinancialFreedom #InvestingForBeginners #EmergencyFund #WealthBuilding #NetWealthNest #MoneyMindset #PersonalFinance #ExitTheRatRace</p><p><a href='https://www.netwealthnest.com/pulse'><b>Get your 2-minute Financial Pulse Check!</b></a></p><p><a href='https://www.netwealthnest.com/'><b>Visit us for info on our coaching!</b></a></p><p><a href='https://www.youtube.com/@NetWealthNest'><b>Visit Our YouTube Channel</b></a></p><p><br/></p>]]></content:encoded>
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    <itunes:author>Jim LeBoeuf</itunes:author>
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    <pubDate>Sun, 15 Mar 2026 06:00:00 -0500</pubDate>
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    <itunes:duration>780</itunes:duration>
    <itunes:keywords>Savings vs investing, how to start investing, emergency fund for beginners, financial stability, Net Wealth Nest, 401k match explained, high interest debt, compound interest for beginners, wealth building strategy, personal finance, debt vs investing</itunes:keywords>
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    <itunes:title>EP. 32 Laid Off? Do These Things Immediately to Protect Your Finances</itunes:title>
    <title>EP. 32 Laid Off? Do These Things Immediately to Protect Your Finances</title>
    <itunes:summary><![CDATA[Send us Fan Mail 🔎 Not sure where YOU stand financially? Take our FREE 2-minute Financial Pulse Check: 👉 https://netwealthnest.com/pulse Losing your job can feel overwhelming — but the biggest mistake people make after a layoff is panicking instead of planning.  In this episode of the Net Wealth Nest Podcast, Jim walks through the exact steps you should take immediately after being laid off to protect your finances, stabilize your situation, and prepare for your next opportunity.  Layoffs hap...]]></itunes:summary>
    <description><![CDATA[<p><a target="_blank" href="https://www.buzzsprout.com/2501127/fan_mail/new">Send us Fan Mail</a></p><p>🔎 Not sure where YOU stand financially? Take our FREE 2-minute Financial Pulse Check:<br/>👉 https://netwealthnest.com/pulse</p><p>Losing your job can feel overwhelming — but the biggest mistake people make after a layoff is panicking instead of planning.<br/><br/>In this episode of the Net Wealth Nest Podcast, Jim walks through the exact steps you should take immediately after being laid off to protect your finances, stabilize your situation, and prepare for your next opportunity.<br/><br/>Layoffs happen to thousands of Americans every year. Whether it&apos;s a company restructuring, economic uncertainty, or the rise of automation and AI, job loss can happen unexpectedly. The key isn&apos;t avoiding every setback.  It&apos;s knowing how to respond when it happens.<br/><br/>In this episode you&apos;ll learn:<br/><br/>• What to do in the first 72 hours after a layoff.<br/>• Why you should file for unemployment immediately.<br/>• How to avoid a gap in healthcare coverage.<br/>• How to build a financial survival budget.<br/>• What expenses you should cut immediately.<br/>• How to work with lenders and creditors during hardship.<br/>• How to use your network to find your next opportunity faster.<br/>• How to turn a setback into a career reset.<br/><br/>Most importantly, you&apos;ll learn why your comeback always starts with a plan... not panic.<br/><br/>If you or someone you know is worried about layoffs, share this episode with them.<br/><br/>At Net Wealth Nest, our goal is to help everyday people build financial stability and grow their net wealth, starting from wherever they are.<br/><br/>#LayoffAdvice #JobLoss #PersonalFinance #FinancialSurvival #Unemployment<br/>#MoneyTips #FinancialLiteracy #NetWealthNest</p><p><a href='https://www.netwealthnest.com/pulse'><b>Get your 2-minute Financial Pulse Check!</b></a></p><p><a href='https://www.netwealthnest.com/'><b>Visit us for info on our coaching!</b></a></p><p><a href='https://www.youtube.com/@NetWealthNest'><b>Visit Our YouTube Channel</b></a></p><p><br/></p>]]></description>
    <content:encoded><![CDATA[<p><a target="_blank" href="https://www.buzzsprout.com/2501127/fan_mail/new">Send us Fan Mail</a></p><p>🔎 Not sure where YOU stand financially? Take our FREE 2-minute Financial Pulse Check:<br/>👉 https://netwealthnest.com/pulse</p><p>Losing your job can feel overwhelming — but the biggest mistake people make after a layoff is panicking instead of planning.<br/><br/>In this episode of the Net Wealth Nest Podcast, Jim walks through the exact steps you should take immediately after being laid off to protect your finances, stabilize your situation, and prepare for your next opportunity.<br/><br/>Layoffs happen to thousands of Americans every year. Whether it&apos;s a company restructuring, economic uncertainty, or the rise of automation and AI, job loss can happen unexpectedly. The key isn&apos;t avoiding every setback.  It&apos;s knowing how to respond when it happens.<br/><br/>In this episode you&apos;ll learn:<br/><br/>• What to do in the first 72 hours after a layoff.<br/>• Why you should file for unemployment immediately.<br/>• How to avoid a gap in healthcare coverage.<br/>• How to build a financial survival budget.<br/>• What expenses you should cut immediately.<br/>• How to work with lenders and creditors during hardship.<br/>• How to use your network to find your next opportunity faster.<br/>• How to turn a setback into a career reset.<br/><br/>Most importantly, you&apos;ll learn why your comeback always starts with a plan... not panic.<br/><br/>If you or someone you know is worried about layoffs, share this episode with them.<br/><br/>At Net Wealth Nest, our goal is to help everyday people build financial stability and grow their net wealth, starting from wherever they are.<br/><br/>#LayoffAdvice #JobLoss #PersonalFinance #FinancialSurvival #Unemployment<br/>#MoneyTips #FinancialLiteracy #NetWealthNest</p><p><a href='https://www.netwealthnest.com/pulse'><b>Get your 2-minute Financial Pulse Check!</b></a></p><p><a href='https://www.netwealthnest.com/'><b>Visit us for info on our coaching!</b></a></p><p><a href='https://www.youtube.com/@NetWealthNest'><b>Visit Our YouTube Channel</b></a></p><p><br/></p>]]></content:encoded>
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    <itunes:author>Jim LeBoeuf</itunes:author>
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    <pubDate>Sun, 08 Mar 2026 07:00:00 -0500</pubDate>
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    <itunes:duration>1401</itunes:duration>
    <itunes:keywords>career setback advice, economic layoffs, emergency budget, financial literacy, financial survival after layoff, how to handle layoffs, how to survive job loss, job loss finances, job loss financial plan, laid off what to do, layoff advice, money advice, p</itunes:keywords>
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    <itunes:title>Ep. 31 Should You Give If You’re Broke? (Generosity vs Survival)</itunes:title>
    <title>Ep. 31 Should You Give If You’re Broke? (Generosity vs Survival)</title>
    <itunes:summary><![CDATA[Send us Fan Mail 🔎 Not sure where YOU stand financially? Take our FREE 2-minute Financial Pulse Check: 👉 https://netwealthnest.com/pulse Should you donate, tithe, or give to charity if you're struggling financially?  What if you're living paycheck to paycheck, but still feel pressure to give? What if your faith, culture, or values tell you to give… but your bank account says otherwise?  In this episode of Net Wealth Nest, we tackle one of the most emotionally charged financial questions: Shou...]]></itunes:summary>
    <description><![CDATA[<p><a target="_blank" href="https://www.buzzsprout.com/2501127/fan_mail/new">Send us Fan Mail</a></p><p>🔎 Not sure where YOU stand financially? Take our FREE 2-minute Financial Pulse Check:<br/>👉 https://netwealthnest.com/pulse</p><p>Should you donate, tithe, or give to charity if you&apos;re struggling financially?<br/><br/>What if you&apos;re living paycheck to paycheck, but still feel pressure to give? What if your faith, culture, or values tell you to give… but your bank account says otherwise?<br/><br/>In this episode of Net Wealth Nest, we tackle one of the most emotionally charged financial questions:<br/>Should generosity come before financial stability?<br/><br/>We break down:<br/>- The difference between generosity and self-sabotage<br/>- Cultural and religious expectations around tithing<br/>- The “oxygen mask principle” applied to money<br/>- Why stability allows you to give more long-term<br/>- How to give without hurting your future<br/>- What generosity can look like when money is tight<br/>- How to build giving into your budget sustainably<br/><br/>This isn’t about being selfish.<br/>It’s about building a foundation strong enough to support both your future and the causes you care about.<br/><br/>Generosity should flow from abundance — not guilt.<br/>If you’ve ever felt torn between giving and surviving, this episode is for you.<br/>Subscribe, share with someone who needs to hear it, and let’s keep building your Net Wealth Nest.</p><p><br/></p><p>#moneymindset #netwealthnest #personalfinance #compoundinggains #financialeducation #paychecktopaycheck #debtfreejourney #financialfreedom #generosity</p><p><a href='https://www.netwealthnest.com/pulse'><b>Get your 2-minute Financial Pulse Check!</b></a></p><p><a href='https://www.netwealthnest.com/'><b>Visit us for info on our coaching!</b></a></p><p><a href='https://www.youtube.com/@NetWealthNest'><b>Visit Our YouTube Channel</b></a></p><p><br/></p>]]></description>
    <content:encoded><![CDATA[<p><a target="_blank" href="https://www.buzzsprout.com/2501127/fan_mail/new">Send us Fan Mail</a></p><p>🔎 Not sure where YOU stand financially? Take our FREE 2-minute Financial Pulse Check:<br/>👉 https://netwealthnest.com/pulse</p><p>Should you donate, tithe, or give to charity if you&apos;re struggling financially?<br/><br/>What if you&apos;re living paycheck to paycheck, but still feel pressure to give? What if your faith, culture, or values tell you to give… but your bank account says otherwise?<br/><br/>In this episode of Net Wealth Nest, we tackle one of the most emotionally charged financial questions:<br/>Should generosity come before financial stability?<br/><br/>We break down:<br/>- The difference between generosity and self-sabotage<br/>- Cultural and religious expectations around tithing<br/>- The “oxygen mask principle” applied to money<br/>- Why stability allows you to give more long-term<br/>- How to give without hurting your future<br/>- What generosity can look like when money is tight<br/>- How to build giving into your budget sustainably<br/><br/>This isn’t about being selfish.<br/>It’s about building a foundation strong enough to support both your future and the causes you care about.<br/><br/>Generosity should flow from abundance — not guilt.<br/>If you’ve ever felt torn between giving and surviving, this episode is for you.<br/>Subscribe, share with someone who needs to hear it, and let’s keep building your Net Wealth Nest.</p><p><br/></p><p>#moneymindset #netwealthnest #personalfinance #compoundinggains #financialeducation #paychecktopaycheck #debtfreejourney #financialfreedom #generosity</p><p><a href='https://www.netwealthnest.com/pulse'><b>Get your 2-minute Financial Pulse Check!</b></a></p><p><a href='https://www.netwealthnest.com/'><b>Visit us for info on our coaching!</b></a></p><p><a href='https://www.youtube.com/@NetWealthNest'><b>Visit Our YouTube Channel</b></a></p><p><br/></p>]]></content:encoded>
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    <itunes:author>Jim LeBoeuf</itunes:author>
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    <pubDate>Fri, 20 Feb 2026 07:00:00 -0600</pubDate>
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    <itunes:duration>896</itunes:duration>
    <itunes:keywords>Net Wealth Nest, abundance, budgeting and tithing, charity vs emergency fund, debt and charitable giving, donating while struggling financially, faith and finances, financial priorities, financial stability first, generosity and wealth, giving while livin</itunes:keywords>
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    <itunes:title>Ep. 30 Investing or Gambling? The Dangerous Trend No One Is Talking About</itunes:title>
    <title>Ep. 30 Investing or Gambling? The Dangerous Trend No One Is Talking About</title>
    <itunes:summary><![CDATA[Send us Fan Mail 🔎 Not sure where YOU stand financially? Take our FREE 2-minute Financial Pulse Check: 👉 https://netwealthnest.com/pulse Is it investing… or is it gambling?  With apps now offering options trading, short-term contracts, and event-based predictions, the line between investing and betting is getting blurry. Platforms are making it easier than ever to “predict” stock moves, interest rate changes, or economic outcomes and calling it investing.  But here’s the truth: 📉 If your succ...]]></itunes:summary>
    <description><![CDATA[<p><a target="_blank" href="https://www.buzzsprout.com/2501127/fan_mail/new">Send us Fan Mail</a></p><p>🔎 Not sure where YOU stand financially? Take our FREE 2-minute Financial Pulse Check: 👉 https://netwealthnest.com/pulse</p><p>Is it investing… or is it gambling?<br/><br/>With apps now offering options trading, short-term contracts, and event-based predictions, the line between investing and betting is getting blurry. Platforms are making it easier than ever to “predict” stock moves, interest rate changes, or economic outcomes and calling it investing.<br/><br/>But here’s the truth:<br/>📉 If your success depends on being right right now, you may not be investing... you may be gambling.<br/><br/>In this episode of the NetWealthNest Podcast, Jim breaks down:<br/><br/>• The real difference between long-term investing and short-term speculation<br/>• Why options trading and predictive contracts behave like gambling<br/>• How trading apps profit from high transaction volume<br/>• The psychology behind dopamine, loss aversion, and chasing losses<br/>• Why beginners should avoid “adrenaline investing”<br/>• What real wealth-building actually looks like<br/><br/>If you&apos;re working to break the paycheck-to-paycheck cycle, build your emergency fund, eliminate debt, and start investing the right way. This episode is for you.<br/><br/>Building wealth isn’t exciting.<br/>It’s consistent.<br/>It’s boring.<br/>And it works.<br/><br/>👉 Join our private community to get out of the paycheck to paycheck cycle, and start building your net wealth.  Visit our site at www.netwealthnest.com<br/>👉 Subscribe for practical financial education rooted in mindset, knowledge, and action.<br/><br/>Remember: Wealth is built through ownership and time — not predictions.<br/>#investing #gambling #daytrading #optionstrading #longterminvesting #stockmarket #financialeducation #moneymindset #buildwealth #indexfunds #personalfinance #netwealthnest #compoundinterest #wealthbuilding</p><p><a href='https://www.netwealthnest.com/pulse'><b>Get your 2-minute Financial Pulse Check!</b></a></p><p><a href='https://www.netwealthnest.com/'><b>Visit us for info on our coaching!</b></a></p><p><a href='https://www.youtube.com/@NetWealthNest'><b>Visit Our YouTube Channel</b></a></p><p><br/></p>]]></description>
    <content:encoded><![CDATA[<p><a target="_blank" href="https://www.buzzsprout.com/2501127/fan_mail/new">Send us Fan Mail</a></p><p>🔎 Not sure where YOU stand financially? Take our FREE 2-minute Financial Pulse Check: 👉 https://netwealthnest.com/pulse</p><p>Is it investing… or is it gambling?<br/><br/>With apps now offering options trading, short-term contracts, and event-based predictions, the line between investing and betting is getting blurry. Platforms are making it easier than ever to “predict” stock moves, interest rate changes, or economic outcomes and calling it investing.<br/><br/>But here’s the truth:<br/>📉 If your success depends on being right right now, you may not be investing... you may be gambling.<br/><br/>In this episode of the NetWealthNest Podcast, Jim breaks down:<br/><br/>• The real difference between long-term investing and short-term speculation<br/>• Why options trading and predictive contracts behave like gambling<br/>• How trading apps profit from high transaction volume<br/>• The psychology behind dopamine, loss aversion, and chasing losses<br/>• Why beginners should avoid “adrenaline investing”<br/>• What real wealth-building actually looks like<br/><br/>If you&apos;re working to break the paycheck-to-paycheck cycle, build your emergency fund, eliminate debt, and start investing the right way. This episode is for you.<br/><br/>Building wealth isn’t exciting.<br/>It’s consistent.<br/>It’s boring.<br/>And it works.<br/><br/>👉 Join our private community to get out of the paycheck to paycheck cycle, and start building your net wealth.  Visit our site at www.netwealthnest.com<br/>👉 Subscribe for practical financial education rooted in mindset, knowledge, and action.<br/><br/>Remember: Wealth is built through ownership and time — not predictions.<br/>#investing #gambling #daytrading #optionstrading #longterminvesting #stockmarket #financialeducation #moneymindset #buildwealth #indexfunds #personalfinance #netwealthnest #compoundinterest #wealthbuilding</p><p><a href='https://www.netwealthnest.com/pulse'><b>Get your 2-minute Financial Pulse Check!</b></a></p><p><a href='https://www.netwealthnest.com/'><b>Visit us for info on our coaching!</b></a></p><p><a href='https://www.youtube.com/@NetWealthNest'><b>Visit Our YouTube Channel</b></a></p><p><br/></p>]]></content:encoded>
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    <itunes:author>Jim LeBoeuf</itunes:author>
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    <pubDate>Sun, 15 Feb 2026 06:00:00 -0600</pubDate>
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    <itunes:title>Ep. 29 If You’re Behind on Bills, Watch This First (Most People Do This Wrong)</itunes:title>
    <title>Ep. 29 If You’re Behind on Bills, Watch This First (Most People Do This Wrong)</title>
    <itunes:summary><![CDATA[Send us Fan Mail 🔎 Not sure where YOU stand financially? Take our FREE 2-minute Financial Pulse Check: 👉 https://netwealthnest.com/pulse If you’re behind on bills, dealing with late payments, or getting calls from collections, this episode is for you.  Opening a late notice or answering a collections call can feel overwhelming, and personal. But falling behind doesn’t mean you’re irresponsible, broken, or bad with money. It means life happened. And the good news? This is fixable.  In this epi...]]></itunes:summary>
    <description><![CDATA[<p><a target="_blank" href="https://www.buzzsprout.com/2501127/fan_mail/new">Send us Fan Mail</a></p><p>🔎 Not sure where YOU stand financially? Take our FREE 2-minute Financial Pulse Check:<br/>👉 https://netwealthnest.com/pulse</p><p>If you’re behind on bills, dealing with late payments, or getting calls from collections, this episode is for you.<br/><br/>Opening a late notice or answering a collections call can feel overwhelming, and personal. But falling behind doesn’t mean you’re irresponsible, broken, or bad with money. It means life happened. And the good news? This is fixable.<br/><br/>In this episode of the Net Wealth Nest Podcast, Jim breaks down exactly what to do when you’re behind on bills or facing collections, without shame or fear. You’ll learn how to stop the financial bleeding, prioritize the right bills, communicate with creditors, negotiate collections safely, and avoid common scams that target people under stress.<br/><br/>This is a calm, step-by-step roadmap for anyone trying to get back on track and rebuild financial stability; especially if you’re living paycheck to paycheck.<br/><br/>In this episode, you’ll learn:<br/><br/>What to do first when bills are late or piling up<br/><br/>The difference between late payments, charge-offs, and collections<br/><br/>Which bills to prioritize to protect your stability<br/><br/>How (and when) to contact creditors before things escalate<br/><br/>How to negotiate collections without getting scammed<br/><br/>Why paying collections doesn’t instantly fix your credit (and what actually does)<br/><br/>How to prevent this from happening again with simple systems<br/><br/>If you’re stressed, embarrassed, or frozen by fear around money, you are not alone. Progress starts with one clear step, and this episode helps you take it.<br/><br/>👉 Subscribe for more real-life financial education<br/>👉 Share this with someone who needs it (more people do than you think)<br/>👉 Join the Net Wealth Nest community and start building stability together</p><p><br/></p><p>#BehindOnBills<br/> #DebtHelp<br/> #Collections<br/> #LatePayments<br/> #FinancialStress<br/> #PersonalFinance<br/> #MoneyMindset<br/> #PaycheckToPaycheck<br/> #CreditRepair<br/> #DebtRelief<br/> #FinancialEducation<br/> #MoneyTips<br/> #NetWealthNest</p><p><a href='https://www.netwealthnest.com/pulse'><b>Get your 2-minute Financial Pulse Check!</b></a></p><p><a href='https://www.netwealthnest.com/'><b>Visit us for info on our coaching!</b></a></p><p><a href='https://www.youtube.com/@NetWealthNest'><b>Visit Our YouTube Channel</b></a></p><p><br/></p>]]></description>
    <content:encoded><![CDATA[<p><a target="_blank" href="https://www.buzzsprout.com/2501127/fan_mail/new">Send us Fan Mail</a></p><p>🔎 Not sure where YOU stand financially? Take our FREE 2-minute Financial Pulse Check:<br/>👉 https://netwealthnest.com/pulse</p><p>If you’re behind on bills, dealing with late payments, or getting calls from collections, this episode is for you.<br/><br/>Opening a late notice or answering a collections call can feel overwhelming, and personal. But falling behind doesn’t mean you’re irresponsible, broken, or bad with money. It means life happened. And the good news? This is fixable.<br/><br/>In this episode of the Net Wealth Nest Podcast, Jim breaks down exactly what to do when you’re behind on bills or facing collections, without shame or fear. You’ll learn how to stop the financial bleeding, prioritize the right bills, communicate with creditors, negotiate collections safely, and avoid common scams that target people under stress.<br/><br/>This is a calm, step-by-step roadmap for anyone trying to get back on track and rebuild financial stability; especially if you’re living paycheck to paycheck.<br/><br/>In this episode, you’ll learn:<br/><br/>What to do first when bills are late or piling up<br/><br/>The difference between late payments, charge-offs, and collections<br/><br/>Which bills to prioritize to protect your stability<br/><br/>How (and when) to contact creditors before things escalate<br/><br/>How to negotiate collections without getting scammed<br/><br/>Why paying collections doesn’t instantly fix your credit (and what actually does)<br/><br/>How to prevent this from happening again with simple systems<br/><br/>If you’re stressed, embarrassed, or frozen by fear around money, you are not alone. Progress starts with one clear step, and this episode helps you take it.<br/><br/>👉 Subscribe for more real-life financial education<br/>👉 Share this with someone who needs it (more people do than you think)<br/>👉 Join the Net Wealth Nest community and start building stability together</p><p><br/></p><p>#BehindOnBills<br/> #DebtHelp<br/> #Collections<br/> #LatePayments<br/> #FinancialStress<br/> #PersonalFinance<br/> #MoneyMindset<br/> #PaycheckToPaycheck<br/> #CreditRepair<br/> #DebtRelief<br/> #FinancialEducation<br/> #MoneyTips<br/> #NetWealthNest</p><p><a href='https://www.netwealthnest.com/pulse'><b>Get your 2-minute Financial Pulse Check!</b></a></p><p><a href='https://www.netwealthnest.com/'><b>Visit us for info on our coaching!</b></a></p><p><a href='https://www.youtube.com/@NetWealthNest'><b>Visit Our YouTube Channel</b></a></p><p><br/></p>]]></content:encoded>
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    <itunes:author>Jim LeBoeuf</itunes:author>
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    <pubDate>Fri, 06 Feb 2026 06:00:00 -0600</pubDate>
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    <itunes:duration>1326</itunes:duration>
    <itunes:keywords>Net Wealth Nest, behind on bills, budgeting when behind on bills, charged off accounts explained, collections advice, credit repair basics, credit score, debt collections explained, debt negotiation tips,financial literacy,financial stress help,how to dea</itunes:keywords>
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    <itunes:title>Ep. 28 Why Budgeting Doesn’t Work for Most People</itunes:title>
    <title>Ep. 28 Why Budgeting Doesn’t Work for Most People</title>
    <itunes:summary><![CDATA[Send us Fan Mail 🔎 Not sure where YOU stand financially? Take our FREE 2-minute Financial Pulse Check: 👉 https://netwealthnest.com/pulse Is budgeting killing your freedom? Or is it the key to finally getting out of the paycheck-to-paycheck cycle?  For a lot of people, budgeting feels like handcuffs. Like punishment. Like you’re being told you can’t enjoy your life.  But what if budgeting isn’t the problem? What if it’s how you’ve been taught to do it?  In this episode of Net Wealth Nest, we b...]]></itunes:summary>
    <description><![CDATA[<p><a target="_blank" href="https://www.buzzsprout.com/2501127/fan_mail/new">Send us Fan Mail</a></p><p>🔎 Not sure where YOU stand financially? Take our FREE 2-minute Financial Pulse Check: 👉 https://netwealthnest.com/pulse</p><p>Is budgeting killing your freedom? Or is it the key to finally getting out of the paycheck-to-paycheck cycle?<br/><br/>For a lot of people, budgeting feels like handcuffs.<br/>Like punishment.<br/>Like you’re being told you can’t enjoy your life.<br/><br/>But what if budgeting isn’t the problem? What if it’s how you’ve been taught to do it?<br/><br/>In this episode of Net Wealth Nest, we break down:<br/>- Why budgeting gets such a bad reputation.<br/>- How restrictive, shame-based budgets actually create more stress.<br/>- The difference between budgeting as punishment vs budgeting as a roadmap.<br/>- How value-based budgeting lets you spend freely on what matters and cut out what doesn’t.<br/>- Why a budget should act like a GPS, not a set of rules.<br/>- Simple systems and automation that make budgeting easier (and honestly… kind of fun).<br/><br/>If you’ve ever felt guilty about spending, anxious waiting for your next paycheck, or overwhelmed by “perfect” budgeting advice... this episode is for you.<br/><br/>Budgeting doesn’t take away freedom.<br/>It tells your money what kind of freedom you want to build.<br/><br/>👉 If this helped you, please like, subscribe, and leave a review. It’s how we reach more people who need practical, judgment-free financial education.<br/><br/>#Budgeting #PersonalFinance #FinancialFreedom #MoneyMindset #PaycheckToPaycheck #BudgetingTips #ValueBasedBudgeting #FinancialLiteracy #MoneyStress #WealthBuilding #SmartMoney #NetWealthNest</p><p><a href='https://www.netwealthnest.com/pulse'><b>Get your 2-minute Financial Pulse Check!</b></a></p><p><a href='https://www.netwealthnest.com/'><b>Visit us for info on our coaching!</b></a></p><p><a href='https://www.youtube.com/@NetWealthNest'><b>Visit Our YouTube Channel</b></a></p><p><br/></p>]]></description>
    <content:encoded><![CDATA[<p><a target="_blank" href="https://www.buzzsprout.com/2501127/fan_mail/new">Send us Fan Mail</a></p><p>🔎 Not sure where YOU stand financially? Take our FREE 2-minute Financial Pulse Check: 👉 https://netwealthnest.com/pulse</p><p>Is budgeting killing your freedom? Or is it the key to finally getting out of the paycheck-to-paycheck cycle?<br/><br/>For a lot of people, budgeting feels like handcuffs.<br/>Like punishment.<br/>Like you’re being told you can’t enjoy your life.<br/><br/>But what if budgeting isn’t the problem? What if it’s how you’ve been taught to do it?<br/><br/>In this episode of Net Wealth Nest, we break down:<br/>- Why budgeting gets such a bad reputation.<br/>- How restrictive, shame-based budgets actually create more stress.<br/>- The difference between budgeting as punishment vs budgeting as a roadmap.<br/>- How value-based budgeting lets you spend freely on what matters and cut out what doesn’t.<br/>- Why a budget should act like a GPS, not a set of rules.<br/>- Simple systems and automation that make budgeting easier (and honestly… kind of fun).<br/><br/>If you’ve ever felt guilty about spending, anxious waiting for your next paycheck, or overwhelmed by “perfect” budgeting advice... this episode is for you.<br/><br/>Budgeting doesn’t take away freedom.<br/>It tells your money what kind of freedom you want to build.<br/><br/>👉 If this helped you, please like, subscribe, and leave a review. It’s how we reach more people who need practical, judgment-free financial education.<br/><br/>#Budgeting #PersonalFinance #FinancialFreedom #MoneyMindset #PaycheckToPaycheck #BudgetingTips #ValueBasedBudgeting #FinancialLiteracy #MoneyStress #WealthBuilding #SmartMoney #NetWealthNest</p><p><a href='https://www.netwealthnest.com/pulse'><b>Get your 2-minute Financial Pulse Check!</b></a></p><p><a href='https://www.netwealthnest.com/'><b>Visit us for info on our coaching!</b></a></p><p><a href='https://www.youtube.com/@NetWealthNest'><b>Visit Our YouTube Channel</b></a></p><p><br/></p>]]></content:encoded>
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    <itunes:author>Jim LeBoeuf</itunes:author>
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    <pubDate>Fri, 30 Jan 2026 06:00:00 -0600</pubDate>
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    <itunes:duration>921</itunes:duration>
    <itunes:keywords>budgeting, budgeting for beginners, budgeting paycheck to paycheck, budgeting systems, budgeting tips, financial freedom, financial literacy, how to budget without feeling restricted, how to create a budget, how to stop living paycheck to paycheck, money </itunes:keywords>
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  <item>
    <itunes:title>Ep. 27 Stop Letting Christmas Make You Broke: The Holiday Spending Wake-Up Call</itunes:title>
    <title>Ep. 27 Stop Letting Christmas Make You Broke: The Holiday Spending Wake-Up Call</title>
    <itunes:summary><![CDATA[Send us Fan Mail 🔎 Not sure where YOU stand financially? Take our FREE 2-minute Financial Pulse Check: 👉 https://netwealthnest.com/pulse Are you tired of starting every January stressed out, overwhelmed, or drowning in credit card debt? In this episode, Jim breaks down the REAL reason holiday spending spirals out of control, and gives you a simple strategy to enjoy Christmas without overspending.  You’ll learn: ✔ The emotional triggers behind holiday overspending ✔ Why BNPL and credit cards a...]]></itunes:summary>
    <description><![CDATA[<p><a target="_blank" href="https://www.buzzsprout.com/2501127/fan_mail/new">Send us Fan Mail</a></p><p>🔎 Not sure where YOU stand financially? Take our FREE 2-minute Financial Pulse Check: 👉 https://netwealthnest.com/pulse</p><p>Are you tired of starting every January stressed out, overwhelmed, or drowning in credit card debt? In this episode, Jim breaks down the REAL reason holiday spending spirals out of control, and gives you a simple strategy to enjoy Christmas without overspending.<br/><br/>You’ll learn:<br/>✔ The emotional triggers behind holiday overspending<br/>✔ Why BNPL and credit cards are especially dangerous in December<br/>✔ How to create a realistic holiday budget (that still allows fun!)<br/>✔ The 3–Gift Rule for kids<br/>✔ How to set boundaries, avoid impulse buys, and stop the “one more gift” spiral<br/>✔ Cheaper holiday traditions that create MORE memories with LESS money<br/><br/>Don’t start 2026 broke — take control of your holiday spending now.<br/>👍 Like, subscribe, and share this with someone who needs it!<br/><br/>#holidayspending  <br/>#christmasbudget <br/>#DebtFreeHolidays<br/>#smartspending <br/>#moneymindset <br/>#NetWealthNest<br/>#personalfinancetips <br/>#holidaysavings <br/>#financialfreedomjourney <br/>#BudgetingTips<br/>#StopOverspending<br/>#Christmas2025<br/>#BNPL<br/>#HolidayDebt<br/>#SaveMoneyThisChristmas<br/>#FinancialEducation</p><p><a href='https://www.netwealthnest.com/pulse'><b>Get your 2-minute Financial Pulse Check!</b></a></p><p><a href='https://www.netwealthnest.com/'><b>Visit us for info on our coaching!</b></a></p><p><a href='https://www.youtube.com/@NetWealthNest'><b>Visit Our YouTube Channel</b></a></p><p><br/></p>]]></description>
    <content:encoded><![CDATA[<p><a target="_blank" href="https://www.buzzsprout.com/2501127/fan_mail/new">Send us Fan Mail</a></p><p>🔎 Not sure where YOU stand financially? Take our FREE 2-minute Financial Pulse Check: 👉 https://netwealthnest.com/pulse</p><p>Are you tired of starting every January stressed out, overwhelmed, or drowning in credit card debt? In this episode, Jim breaks down the REAL reason holiday spending spirals out of control, and gives you a simple strategy to enjoy Christmas without overspending.<br/><br/>You’ll learn:<br/>✔ The emotional triggers behind holiday overspending<br/>✔ Why BNPL and credit cards are especially dangerous in December<br/>✔ How to create a realistic holiday budget (that still allows fun!)<br/>✔ The 3–Gift Rule for kids<br/>✔ How to set boundaries, avoid impulse buys, and stop the “one more gift” spiral<br/>✔ Cheaper holiday traditions that create MORE memories with LESS money<br/><br/>Don’t start 2026 broke — take control of your holiday spending now.<br/>👍 Like, subscribe, and share this with someone who needs it!<br/><br/>#holidayspending  <br/>#christmasbudget <br/>#DebtFreeHolidays<br/>#smartspending <br/>#moneymindset <br/>#NetWealthNest<br/>#personalfinancetips <br/>#holidaysavings <br/>#financialfreedomjourney <br/>#BudgetingTips<br/>#StopOverspending<br/>#Christmas2025<br/>#BNPL<br/>#HolidayDebt<br/>#SaveMoneyThisChristmas<br/>#FinancialEducation</p><p><a href='https://www.netwealthnest.com/pulse'><b>Get your 2-minute Financial Pulse Check!</b></a></p><p><a href='https://www.netwealthnest.com/'><b>Visit us for info on our coaching!</b></a></p><p><a href='https://www.youtube.com/@NetWealthNest'><b>Visit Our YouTube Channel</b></a></p><p><br/></p>]]></content:encoded>
    <enclosure url="https://www.buzzsprout.com/2501127/episodes/18307641-ep-27-stop-letting-christmas-make-you-broke-the-holiday-spending-wake-up-call.mp3" length="7904742" type="audio/mpeg" />
    <itunes:author>Jim LeBoeuf</itunes:author>
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    <pubDate>Mon, 08 Dec 2025 07:00:00 -0600</pubDate>
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    <itunes:keywords>Buy now pay later dangers, Christmas budget, Christmas money tips, Christmas shopping on a budget, avoid Christmas debt, financial stress holidays, holiday budgeting, holiday spending, how to stop overspending, spend less this Christmas</itunes:keywords>
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    <itunes:title>Ep. 26 Hard Work is Dead: What actually builds wealth now</itunes:title>
    <title>Ep. 26 Hard Work is Dead: What actually builds wealth now</title>
    <itunes:summary><![CDATA[Send us Fan Mail 🔎 Not sure where YOU stand financially? Take our FREE 2-minute Financial Pulse Check: 👉 https://netwealthnest.com/pulse Does hard work still equal success? For decades, we’ve been told that if we just grind harder, put in more hours, and hustle nonstop… success will eventually follow. But if that were true, why are so many people working harder than ever and still living paycheck to paycheck?   In today’s episode of the NetWealthNest Podcast, Jim Leboeuf breaks down one of th...]]></itunes:summary>
    <description><![CDATA[<p><a target="_blank" href="https://www.buzzsprout.com/2501127/fan_mail/new">Send us Fan Mail</a></p><p>🔎 Not sure where YOU stand financially? Take our FREE 2-minute Financial Pulse Check: 👉 https://netwealthnest.com/pulse</p><p><b>Does hard work still equal success?</b> For decades, we’ve been told that if we just grind harder, put in more hours, and hustle nonstop… success will eventually follow. But if that were true, why are so many people working harder than ever and still living paycheck to paycheck?</p><p><br/></p><p>In today’s episode of the <b>NetWealthNest Podcast</b>, Jim Leboeuf breaks down <em>one of the biggest money myths of the last century</em>:</p><p>👉 <b>Hard work alone no longer guarantees financial success.</b></p><p><br/></p><p>Jim dives into the real reason why the old formula stopped working; including the rise of technology, automation, globalization, shareholder-driven corporate models, and the widening gap between productivity and wages.</p><p>Then we uncover the modern formula for financial growth: <b>working smarter through leverage.</b></p><p>You’ll learn:</p><p><b>Why the “work hard = success” belief died decades ago</b></p><p>– How the 1970s shifted corporate priorities</p><p>– Why productivity skyrocketed while wages stalled</p><p>– Why adding more hours won’t solve money problems<b> </b></p><p><b>The 3 Types of Leverage You MUST Use Today</b></p><p><b>1. Time Leverage</b> – Systems that make money while you aren’t working</p><p><b>2. Money Leverage</b> – Using your dollars as tools to create more dollars</p><p><b>3. Knowledge + People Leverage</b> – Accelerating your growth through mentors, books, the internet, and AI</p><p>Jim also explains how books, online learning, and even simple conversations can compress decades of experience into hours — giving you a massive advantage over those who are still trying to “out-hustle” everyone.</p><p><b>How this applies to:</b></p><p>– Growing inside a W-2 job</p><p>– Starting a side hustle</p><p>– Becoming an entrepreneur</p><p>– Building long-term financial stability</p><p>– Escaping the paycheck-to-paycheck cycle</p><p><b>The Net Wealth Nest Framework for Success</b></p><p>Mindset → Knowledge → Action → Accountability.</p><p>This 4-part system works whether you’re building wealth, improving your career, or launching a business.</p><p>If you’re ready to stop surviving and start building real financial stability, this episode is for you.</p><p><br/></p><p><b>#NetWealthNest #FinancialEducation #SmartWork #WorkSmarterNotHarder #WealthBuilding #FinancialStability #MoneyMindset #PersonalFinanceTips #LeverageNotLabor #InvestingBasics #FinancialFreedomJourney #MoneyPodcast #SelfImprovement #AIandFinance #BuildWealth</b></p><p><a href='https://www.netwealthnest.com/pulse'><b>Get your 2-minute Financial Pulse Check!</b></a></p><p><a href='https://www.netwealthnest.com/'><b>Visit us for info on our coaching!</b></a></p><p><a href='https://www.youtube.com/@NetWealthNest'><b>Visit Our YouTube Channel</b></a></p><p><br/></p>]]></description>
    <content:encoded><![CDATA[<p><a target="_blank" href="https://www.buzzsprout.com/2501127/fan_mail/new">Send us Fan Mail</a></p><p>🔎 Not sure where YOU stand financially? Take our FREE 2-minute Financial Pulse Check: 👉 https://netwealthnest.com/pulse</p><p><b>Does hard work still equal success?</b> For decades, we’ve been told that if we just grind harder, put in more hours, and hustle nonstop… success will eventually follow. But if that were true, why are so many people working harder than ever and still living paycheck to paycheck?</p><p><br/></p><p>In today’s episode of the <b>NetWealthNest Podcast</b>, Jim Leboeuf breaks down <em>one of the biggest money myths of the last century</em>:</p><p>👉 <b>Hard work alone no longer guarantees financial success.</b></p><p><br/></p><p>Jim dives into the real reason why the old formula stopped working; including the rise of technology, automation, globalization, shareholder-driven corporate models, and the widening gap between productivity and wages.</p><p>Then we uncover the modern formula for financial growth: <b>working smarter through leverage.</b></p><p>You’ll learn:</p><p><b>Why the “work hard = success” belief died decades ago</b></p><p>– How the 1970s shifted corporate priorities</p><p>– Why productivity skyrocketed while wages stalled</p><p>– Why adding more hours won’t solve money problems<b> </b></p><p><b>The 3 Types of Leverage You MUST Use Today</b></p><p><b>1. Time Leverage</b> – Systems that make money while you aren’t working</p><p><b>2. Money Leverage</b> – Using your dollars as tools to create more dollars</p><p><b>3. Knowledge + People Leverage</b> – Accelerating your growth through mentors, books, the internet, and AI</p><p>Jim also explains how books, online learning, and even simple conversations can compress decades of experience into hours — giving you a massive advantage over those who are still trying to “out-hustle” everyone.</p><p><b>How this applies to:</b></p><p>– Growing inside a W-2 job</p><p>– Starting a side hustle</p><p>– Becoming an entrepreneur</p><p>– Building long-term financial stability</p><p>– Escaping the paycheck-to-paycheck cycle</p><p><b>The Net Wealth Nest Framework for Success</b></p><p>Mindset → Knowledge → Action → Accountability.</p><p>This 4-part system works whether you’re building wealth, improving your career, or launching a business.</p><p>If you’re ready to stop surviving and start building real financial stability, this episode is for you.</p><p><br/></p><p><b>#NetWealthNest #FinancialEducation #SmartWork #WorkSmarterNotHarder #WealthBuilding #FinancialStability #MoneyMindset #PersonalFinanceTips #LeverageNotLabor #InvestingBasics #FinancialFreedomJourney #MoneyPodcast #SelfImprovement #AIandFinance #BuildWealth</b></p><p><a href='https://www.netwealthnest.com/pulse'><b>Get your 2-minute Financial Pulse Check!</b></a></p><p><a href='https://www.netwealthnest.com/'><b>Visit us for info on our coaching!</b></a></p><p><a href='https://www.youtube.com/@NetWealthNest'><b>Visit Our YouTube Channel</b></a></p><p><br/></p>]]></content:encoded>
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    <itunes:author>Jim LeBoeuf</itunes:author>
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    <pubDate>Mon, 17 Nov 2025 07:00:00 -0600</pubDate>
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    <itunes:keywords>does hard work equal success, hard work is dead, working smarter vs working harder, how to build wealth 2025, time leverage money leverage knowledge leverage, why wages stopped growing, productivity vs wages chart, how to escape paycheck to paycheck</itunes:keywords>
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    <itunes:title>Ep. 25 Frugal vs Cheap: The Hidden Difference That Builds (or Breaks) Wealth</itunes:title>
    <title>Ep. 25 Frugal vs Cheap: The Hidden Difference That Builds (or Breaks) Wealth</title>
    <itunes:summary><![CDATA[Send us Fan Mail 🔎 Not sure where YOU stand financially? Take our FREE 2-minute Financial Pulse Check: 👉 https://netwealthnest.com/pulse Frugal vs Cheap: The Hidden Difference That Builds (or Breaks) Wealth Is being frugal the same as being cheap?  In this episode of the Net Wealth Nest Podcast, host Jim LeBoeuf breaks down the fine line between saving wisely and letting fear of spending hold you back from living your life today. Learn how to make money decisions based on value — not fea...]]></itunes:summary>
    <description><![CDATA[<p><a target="_blank" href="https://www.buzzsprout.com/2501127/fan_mail/new">Send us Fan Mail</a></p><p>🔎 Not sure where YOU stand financially? Take our FREE 2-minute Financial Pulse Check: 👉 https://netwealthnest.com/pulse</p><p><b>Frugal vs Cheap: The Hidden Difference That Builds (or Breaks) Wealth</b></p><p>Is being <em>frugal</em> the same as being <em>cheap</em>? </p><p>In this episode of the <b>Net Wealth Nest Podcast</b>, host <b>Jim LeBoeuf</b> breaks down the fine line between saving wisely and letting fear of spending hold you back from living your life today.</p><p>Learn how to make money decisions based on <em>value</em> — not <em>fear</em> — so every dollar you spend helps you build the future you want.</p><p><b>💡 In This Episode:</b></p><ul><li>The real difference between <b>frugal</b> and <b>cheap</b> thinking</li><li>Why a <b>scarcity mindset</b> keeps you stuck in paycheck-to-paycheck living</li><li>How <b>value-based spending</b> and <b>frugal habits</b> can accelerate wealth</li><li>Practical tips to stay frugal without feeling deprived</li><li>Why <b>cheapness can actually cost you more</b> long-term</li><li>How generosity, budgeting, and automation create freedom</li></ul><p>Whether you’re trying to stop living paycheck-to-paycheck, build an emergency fund, or simply spend smarter — this episode will help you shift your <b>money mindset</b> and start using money as a tool for growth, not fear.</p><p><b>Connect with Net Wealth Nest</b></p><p>🎧 Listen on all major podcast platforms</p><p>📺 Watch full episodes on YouTube: <a href='https://www.youtube.com/@NetWealthNest'>@NetWealthNest</a></p><p>🌐 Visit <a href='https://www.netwealthnest.com'>www.NetWealthNest.com</a></p><p>#FrugalVsCheap #MoneyMindset #FrugalLiving #FinancialFreedom #WealthBuilding #BudgetingTips #SmartMoney #NetWealthNest #PersonalFinance #AbundanceMindset #FinancialEducation #InvestInYourFuture</p><p><a href='https://www.netwealthnest.com/pulse'><b>Get your 2-minute Financial Pulse Check!</b></a></p><p><a href='https://www.netwealthnest.com/'><b>Visit us for info on our coaching!</b></a></p><p><a href='https://www.youtube.com/@NetWealthNest'><b>Visit Our YouTube Channel</b></a></p><p><br/></p>]]></description>
    <content:encoded><![CDATA[<p><a target="_blank" href="https://www.buzzsprout.com/2501127/fan_mail/new">Send us Fan Mail</a></p><p>🔎 Not sure where YOU stand financially? Take our FREE 2-minute Financial Pulse Check: 👉 https://netwealthnest.com/pulse</p><p><b>Frugal vs Cheap: The Hidden Difference That Builds (or Breaks) Wealth</b></p><p>Is being <em>frugal</em> the same as being <em>cheap</em>? </p><p>In this episode of the <b>Net Wealth Nest Podcast</b>, host <b>Jim LeBoeuf</b> breaks down the fine line between saving wisely and letting fear of spending hold you back from living your life today.</p><p>Learn how to make money decisions based on <em>value</em> — not <em>fear</em> — so every dollar you spend helps you build the future you want.</p><p><b>💡 In This Episode:</b></p><ul><li>The real difference between <b>frugal</b> and <b>cheap</b> thinking</li><li>Why a <b>scarcity mindset</b> keeps you stuck in paycheck-to-paycheck living</li><li>How <b>value-based spending</b> and <b>frugal habits</b> can accelerate wealth</li><li>Practical tips to stay frugal without feeling deprived</li><li>Why <b>cheapness can actually cost you more</b> long-term</li><li>How generosity, budgeting, and automation create freedom</li></ul><p>Whether you’re trying to stop living paycheck-to-paycheck, build an emergency fund, or simply spend smarter — this episode will help you shift your <b>money mindset</b> and start using money as a tool for growth, not fear.</p><p><b>Connect with Net Wealth Nest</b></p><p>🎧 Listen on all major podcast platforms</p><p>📺 Watch full episodes on YouTube: <a href='https://www.youtube.com/@NetWealthNest'>@NetWealthNest</a></p><p>🌐 Visit <a href='https://www.netwealthnest.com'>www.NetWealthNest.com</a></p><p>#FrugalVsCheap #MoneyMindset #FrugalLiving #FinancialFreedom #WealthBuilding #BudgetingTips #SmartMoney #NetWealthNest #PersonalFinance #AbundanceMindset #FinancialEducation #InvestInYourFuture</p><p><a href='https://www.netwealthnest.com/pulse'><b>Get your 2-minute Financial Pulse Check!</b></a></p><p><a href='https://www.netwealthnest.com/'><b>Visit us for info on our coaching!</b></a></p><p><a href='https://www.youtube.com/@NetWealthNest'><b>Visit Our YouTube Channel</b></a></p><p><br/></p>]]></content:encoded>
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    <itunes:author>Jim LeBoeuf</itunes:author>
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    <pubDate>Mon, 10 Nov 2025 07:00:00 -0600</pubDate>
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    <itunes:keywords>frugal vs cheap, difference between frugal and cheap, frugal mindset, money mindset, abundance vs scarcity, personal finance basics, how to save money, value-based spending, budgeting tips, frugal living 2025, stop living paycheck to paycheck, Net Wealth </itunes:keywords>
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    <itunes:title>Ep. 24 Can Debt Actually Make You Rich?</itunes:title>
    <title>Ep. 24 Can Debt Actually Make You Rich?</title>
    <itunes:summary><![CDATA[Send us Fan Mail 🔎 Not sure where YOU stand financially? Take our FREE 2-minute Financial Pulse Check: 👉 https://netwealthnest.com/pulse Can debt be a wealth-building tool—or is it always a trap? In this episode, Jim Leboeuf breaks down good debt vs. bad debt in plain English: when borrowing destroys your cash flow (liability/consumer debt) and when it can build net worth (asset/cash-flowing debt like rentals or a profitable business). We also cover gray areas (primary homes, student loans, c...]]></itunes:summary>
    <description><![CDATA[<p><a target="_blank" href="https://www.buzzsprout.com/2501127/fan_mail/new">Send us Fan Mail</a></p><p>🔎 Not sure where YOU stand financially? Take our FREE 2-minute Financial Pulse Check: 👉 https://netwealthnest.com/pulse</p><p>Can debt be a wealth-building tool—or is it always a trap? In this episode, Jim Leboeuf breaks down good debt vs. bad debt in plain English: when borrowing destroys your cash flow (liability/consumer debt) and when it can build net worth (asset/cash-flowing debt like rentals or a profitable business). We also cover gray areas (primary homes, student loans, car notes), credit-building tools (secured cards &amp; credit-builder loans), and the classic dilemma: pay off debt or invest?<br/><br/>If you’re living paycheck-to-paycheck, this is your roadmap to stop the bleed, kill high-interest balances, and use debt intentionally—only when it puts money back in your pocket.<br/><br/>What you’ll learn<br/> • The simple test to label any debt: asset debt vs liability debt<br/> • Real-world examples: rentals, small business loans, Turo/Uber, primary residences<br/> • When to use secured cards/credit-builder loans to repair your score<br/> • Why consolidations fail without behavior change (and how to fix that)<br/> • Pay-off vs. invest: how to compare interest rates to expected returns<br/> • A step-by-step action plan: budget → list debts → choose what to pay → automate → review<br/><br/>If this helped, subscribe, leave a review, and share it with a friend who’s wrestling with debt. Got questions or a hot take? Drop a comment—we might feature it in a future episode.<br/><br/>#PersonalFinance #DebtFreeJourney #FinancialLiteracy #BuildWealth #Budgeting #CreditScore #InvestingBasics</p><p><a href='https://www.netwealthnest.com/pulse'><b>Get your 2-minute Financial Pulse Check!</b></a></p><p><a href='https://www.netwealthnest.com/'><b>Visit us for info on our coaching!</b></a></p><p><a href='https://www.youtube.com/@NetWealthNest'><b>Visit Our YouTube Channel</b></a></p><p><br/></p>]]></description>
    <content:encoded><![CDATA[<p><a target="_blank" href="https://www.buzzsprout.com/2501127/fan_mail/new">Send us Fan Mail</a></p><p>🔎 Not sure where YOU stand financially? Take our FREE 2-minute Financial Pulse Check: 👉 https://netwealthnest.com/pulse</p><p>Can debt be a wealth-building tool—or is it always a trap? In this episode, Jim Leboeuf breaks down good debt vs. bad debt in plain English: when borrowing destroys your cash flow (liability/consumer debt) and when it can build net worth (asset/cash-flowing debt like rentals or a profitable business). We also cover gray areas (primary homes, student loans, car notes), credit-building tools (secured cards &amp; credit-builder loans), and the classic dilemma: pay off debt or invest?<br/><br/>If you’re living paycheck-to-paycheck, this is your roadmap to stop the bleed, kill high-interest balances, and use debt intentionally—only when it puts money back in your pocket.<br/><br/>What you’ll learn<br/> • The simple test to label any debt: asset debt vs liability debt<br/> • Real-world examples: rentals, small business loans, Turo/Uber, primary residences<br/> • When to use secured cards/credit-builder loans to repair your score<br/> • Why consolidations fail without behavior change (and how to fix that)<br/> • Pay-off vs. invest: how to compare interest rates to expected returns<br/> • A step-by-step action plan: budget → list debts → choose what to pay → automate → review<br/><br/>If this helped, subscribe, leave a review, and share it with a friend who’s wrestling with debt. Got questions or a hot take? Drop a comment—we might feature it in a future episode.<br/><br/>#PersonalFinance #DebtFreeJourney #FinancialLiteracy #BuildWealth #Budgeting #CreditScore #InvestingBasics</p><p><a href='https://www.netwealthnest.com/pulse'><b>Get your 2-minute Financial Pulse Check!</b></a></p><p><a href='https://www.netwealthnest.com/'><b>Visit us for info on our coaching!</b></a></p><p><a href='https://www.youtube.com/@NetWealthNest'><b>Visit Our YouTube Channel</b></a></p><p><br/></p>]]></content:encoded>
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    <pubDate>Fri, 17 Oct 2025 15:00:00 -0500</pubDate>
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    <itunes:duration>1046</itunes:duration>
    <itunes:keywords>good debt vs bad debt, asset debt, liability debt, can debt make you rich, cash-flowing assets, real estate cash flow, debt snowball vs avalanche, pay off debt or invest, secured credit card, credit builder loan, build credit fast, debt consolidation mist</itunes:keywords>
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    <itunes:title>Ep. 23 Mindset or Action? What’s Really Holding You Back Financially</itunes:title>
    <title>Ep. 23 Mindset or Action? What’s Really Holding You Back Financially</title>
    <itunes:summary><![CDATA[Send us Fan Mail 🔎 Not sure where YOU stand financially? Take our FREE 2-minute Financial Pulse Check: 👉 https://netwealthnest.com/pulse Are your money struggles caused by your mindset—or your lack of action? In this episode of the NetWealthNest Podcast, host Jim Leboeuf breaks down how limiting beliefs like “I’m not good with money,” “There’s never enough,” or “Investing is too risky” quietly sabotage financial progress. You’ll learn how to: Spot the hidden money mindsets that keep you stuck...]]></itunes:summary>
    <description><![CDATA[<p><a target="_blank" href="https://www.buzzsprout.com/2501127/fan_mail/new">Send us Fan Mail</a></p><p>🔎 Not sure where YOU stand financially? Take our FREE 2-minute Financial Pulse Check: 👉 https://netwealthnest.com/pulse</p><p>Are your money struggles caused by your mindset—or your lack of action? In this episode of the NetWealthNest Podcast, host Jim Leboeuf breaks down how limiting beliefs like “I’m not good with money,” “There’s never enough,” or “Investing is too risky” quietly sabotage financial progress.<br/>You’ll learn how to:<br/>Spot the hidden money mindsets that keep you stuck in paycheck-to-paycheck cycles.<br/>Reframe limiting beliefs into empowering ones that open new possibilities.<br/>Take micro actions—simple, small financial steps—that compound into long-term stability and wealth.<br/>Apply a practical framework: Awareness → Reframe → Micro Action → Next Step.<br/>Whether you’re just starting your financial journey or looking to break old habits, this short, actionable episode will help you move from financial frustration to forward momentum.<br/>👉 Subscribe on YouTube or your favorite podcast app, leave a review, and share this episode with someone who needs a fresh perspective on money and mindset.<br/><br/>#MoneyMindset  #FinancialFreedom  #BuildWealth  #PersonalFinance  <br/>#FinancialLiteracy  #MoneyTalks  <br/>#WealthBuilding</p><p><a href='https://www.netwealthnest.com/pulse'><b>Get your 2-minute Financial Pulse Check!</b></a></p><p><a href='https://www.netwealthnest.com/'><b>Visit us for info on our coaching!</b></a></p><p><a href='https://www.youtube.com/@NetWealthNest'><b>Visit Our YouTube Channel</b></a></p><p><br/></p>]]></description>
    <content:encoded><![CDATA[<p><a target="_blank" href="https://www.buzzsprout.com/2501127/fan_mail/new">Send us Fan Mail</a></p><p>🔎 Not sure where YOU stand financially? Take our FREE 2-minute Financial Pulse Check: 👉 https://netwealthnest.com/pulse</p><p>Are your money struggles caused by your mindset—or your lack of action? In this episode of the NetWealthNest Podcast, host Jim Leboeuf breaks down how limiting beliefs like “I’m not good with money,” “There’s never enough,” or “Investing is too risky” quietly sabotage financial progress.<br/>You’ll learn how to:<br/>Spot the hidden money mindsets that keep you stuck in paycheck-to-paycheck cycles.<br/>Reframe limiting beliefs into empowering ones that open new possibilities.<br/>Take micro actions—simple, small financial steps—that compound into long-term stability and wealth.<br/>Apply a practical framework: Awareness → Reframe → Micro Action → Next Step.<br/>Whether you’re just starting your financial journey or looking to break old habits, this short, actionable episode will help you move from financial frustration to forward momentum.<br/>👉 Subscribe on YouTube or your favorite podcast app, leave a review, and share this episode with someone who needs a fresh perspective on money and mindset.<br/><br/>#MoneyMindset  #FinancialFreedom  #BuildWealth  #PersonalFinance  <br/>#FinancialLiteracy  #MoneyTalks  <br/>#WealthBuilding</p><p><a href='https://www.netwealthnest.com/pulse'><b>Get your 2-minute Financial Pulse Check!</b></a></p><p><a href='https://www.netwealthnest.com/'><b>Visit us for info on our coaching!</b></a></p><p><a href='https://www.youtube.com/@NetWealthNest'><b>Visit Our YouTube Channel</b></a></p><p><br/></p>]]></content:encoded>
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    <itunes:author>Jim LeBoeuf</itunes:author>
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    <pubDate>Mon, 06 Oct 2025 07:00:00 -0500</pubDate>
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    <itunes:title>Ep. 22 Present Money vs Future Wealth: How Your Mindset Shapes Financial Freedom</itunes:title>
    <title>Ep. 22 Present Money vs Future Wealth: How Your Mindset Shapes Financial Freedom</title>
    <itunes:summary><![CDATA[Send us Fan Mail 🔎 Not sure where YOU stand financially? Take our FREE 2-minute Financial Pulse Check: 👉 https://netwealthnest.com/pulse Are you serving Present You or Future You with your money choices? 💰 In this episode of the NetWealthNest Podcast, host Jim LeBoeuf breaks down the trade-offs between spending today and investing for tomorrow. From everyday purchases like the latest iPhone to bigger financial goals like retirement, college savings, or travel, every dollar is a decision.  You...]]></itunes:summary>
    <description><![CDATA[<p><a target="_blank" href="https://www.buzzsprout.com/2501127/fan_mail/new">Send us Fan Mail</a></p><p>🔎 Not sure where YOU stand financially? Take our FREE 2-minute Financial Pulse Check: 👉 https://netwealthnest.com/pulse</p><p>Are you serving Present You or Future You with your money choices? 💰 In this episode of the NetWealthNest Podcast, host Jim LeBoeuf breaks down the trade-offs between spending today and investing for tomorrow. From everyday purchases like the latest iPhone to bigger financial goals like retirement, college savings, or travel, every dollar is a decision.<br/><br/>You’ll learn:<br/> • Why your money mindset matters more than willpower<br/> • How to balance needs vs. wants without guilt<br/> • The hidden power of compound growth<br/> • A simple exercise (writing a letter to “Future You”) that shifts perspective<br/> • Practical steps to start budgeting for today while saving and investing for tomorrow<br/><br/>Whether you’re in your 20s just starting out, raising a family, or planning for retirement, this conversation will help you build financial stability, reduce money stress, and grow your net wealth with intention.<br/><br/>👉 Don’t forget to subscribe, review, and share the show so more people can join the journey to financial freedom.<br/><br/>#money #mindset #futureyou #personalfinance #saving #investing #netwealth</p><p><a href='https://www.netwealthnest.com/pulse'><b>Get your 2-minute Financial Pulse Check!</b></a></p><p><a href='https://www.netwealthnest.com/'><b>Visit us for info on our coaching!</b></a></p><p><a href='https://www.youtube.com/@NetWealthNest'><b>Visit Our YouTube Channel</b></a></p><p><br/></p>]]></description>
    <content:encoded><![CDATA[<p><a target="_blank" href="https://www.buzzsprout.com/2501127/fan_mail/new">Send us Fan Mail</a></p><p>🔎 Not sure where YOU stand financially? Take our FREE 2-minute Financial Pulse Check: 👉 https://netwealthnest.com/pulse</p><p>Are you serving Present You or Future You with your money choices? 💰 In this episode of the NetWealthNest Podcast, host Jim LeBoeuf breaks down the trade-offs between spending today and investing for tomorrow. From everyday purchases like the latest iPhone to bigger financial goals like retirement, college savings, or travel, every dollar is a decision.<br/><br/>You’ll learn:<br/> • Why your money mindset matters more than willpower<br/> • How to balance needs vs. wants without guilt<br/> • The hidden power of compound growth<br/> • A simple exercise (writing a letter to “Future You”) that shifts perspective<br/> • Practical steps to start budgeting for today while saving and investing for tomorrow<br/><br/>Whether you’re in your 20s just starting out, raising a family, or planning for retirement, this conversation will help you build financial stability, reduce money stress, and grow your net wealth with intention.<br/><br/>👉 Don’t forget to subscribe, review, and share the show so more people can join the journey to financial freedom.<br/><br/>#money #mindset #futureyou #personalfinance #saving #investing #netwealth</p><p><a href='https://www.netwealthnest.com/pulse'><b>Get your 2-minute Financial Pulse Check!</b></a></p><p><a href='https://www.netwealthnest.com/'><b>Visit us for info on our coaching!</b></a></p><p><a href='https://www.youtube.com/@NetWealthNest'><b>Visit Our YouTube Channel</b></a></p><p><br/></p>]]></content:encoded>
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    <itunes:author>Jim LeBoeuf</itunes:author>
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    <pubDate>Mon, 29 Sep 2025 07:00:00 -0500</pubDate>
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    <itunes:keywords>future you vs present you, money mindset, personal finance tips, budgeting tips, financial stability, delayed gratification, saving vs spending, building wealth</itunes:keywords>
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    <itunes:title>Ep. 21 How to Talk Finances With Your Partner (Without Fighting)</itunes:title>
    <title>Ep. 21 How to Talk Finances With Your Partner (Without Fighting)</title>
    <itunes:summary><![CDATA[Send us Fan Mail 🔎 Not sure where YOU stand financially? Take our FREE 2-minute Financial Pulse Check: 👉 https://netwealthnest.com/pulse 💬 Do you and your partner avoid talking about money because it always turns into a fight? You’re not alone. Money is the #1 reason couples argue — but it doesn’t have to be that way.   In this episode of the Net Wealth Nest Podcast, Jim LeBoeuf shares practical tips on how to talk about finances with your spouse or significant other without fighting. From se...]]></itunes:summary>
    <description><![CDATA[<p><a target="_blank" href="https://www.buzzsprout.com/2501127/fan_mail/new">Send us Fan Mail</a></p><p>🔎 Not sure where YOU stand financially? Take our FREE 2-minute Financial Pulse Check: 👉 https://netwealthnest.com/pulse</p><p>💬 Do you and your partner avoid talking about money because it always turns into a fight? You’re not alone. Money is the #1 reason couples argue — but it doesn’t have to be that way.</p><p><br/></p><p>In this episode of the <em>Net Wealth Nest Podcast</em>, Jim LeBoeuf shares practical tips on how to talk about finances with your spouse or significant other without fighting. From setting financial “date nights” to building joint goals and avoiding blame, Jim walks you through real strategies to build financial trust and teamwork in your relationship.</p><p><br/></p><p>You’ll learn:</p><p>✅ Why money conversations are so hard for couples</p><p>✅ How to talk about money without blame or shame</p><p>✅ The power of financial transparency and shared goals</p><p>✅ How to set up financial “date nights” that actually strengthen your relationship</p><p>✅ Red flags (financial secrecy) and green flags (teamwork &amp; celebrating wins) to watch for</p><p><br/></p><p>Whether you’re newly dating, engaged, or married, these tips will help you and your partner get on the same page with money — and start building financial stability and wealth together.</p><p><br/></p><p>👉 If you’ve ever searched: <em>“How do I talk to my partner about money?”</em> or <em>“How do couples stop fighting about finances?”</em> — this episode is for you.</p><p><br/></p><p>Don’t forget to <b>subscribe</b> for more personal finance education, budgeting tips, and wealth-building strategies!</p><p>#moneyandrelationships #couplefinance #bugetingtogether</p><p><a href='https://www.netwealthnest.com/pulse'><b>Get your 2-minute Financial Pulse Check!</b></a></p><p><a href='https://www.netwealthnest.com/'><b>Visit us for info on our coaching!</b></a></p><p><a href='https://www.youtube.com/@NetWealthNest'><b>Visit Our YouTube Channel</b></a></p><p><br/></p>]]></description>
    <content:encoded><![CDATA[<p><a target="_blank" href="https://www.buzzsprout.com/2501127/fan_mail/new">Send us Fan Mail</a></p><p>🔎 Not sure where YOU stand financially? Take our FREE 2-minute Financial Pulse Check: 👉 https://netwealthnest.com/pulse</p><p>💬 Do you and your partner avoid talking about money because it always turns into a fight? You’re not alone. Money is the #1 reason couples argue — but it doesn’t have to be that way.</p><p><br/></p><p>In this episode of the <em>Net Wealth Nest Podcast</em>, Jim LeBoeuf shares practical tips on how to talk about finances with your spouse or significant other without fighting. From setting financial “date nights” to building joint goals and avoiding blame, Jim walks you through real strategies to build financial trust and teamwork in your relationship.</p><p><br/></p><p>You’ll learn:</p><p>✅ Why money conversations are so hard for couples</p><p>✅ How to talk about money without blame or shame</p><p>✅ The power of financial transparency and shared goals</p><p>✅ How to set up financial “date nights” that actually strengthen your relationship</p><p>✅ Red flags (financial secrecy) and green flags (teamwork &amp; celebrating wins) to watch for</p><p><br/></p><p>Whether you’re newly dating, engaged, or married, these tips will help you and your partner get on the same page with money — and start building financial stability and wealth together.</p><p><br/></p><p>👉 If you’ve ever searched: <em>“How do I talk to my partner about money?”</em> or <em>“How do couples stop fighting about finances?”</em> — this episode is for you.</p><p><br/></p><p>Don’t forget to <b>subscribe</b> for more personal finance education, budgeting tips, and wealth-building strategies!</p><p>#moneyandrelationships #couplefinance #bugetingtogether</p><p><a href='https://www.netwealthnest.com/pulse'><b>Get your 2-minute Financial Pulse Check!</b></a></p><p><a href='https://www.netwealthnest.com/'><b>Visit us for info on our coaching!</b></a></p><p><a href='https://www.youtube.com/@NetWealthNest'><b>Visit Our YouTube Channel</b></a></p><p><br/></p>]]></content:encoded>
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    <itunes:author>Jim LeBoeuf</itunes:author>
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    <pubDate>Mon, 22 Sep 2025 07:00:00 -0500</pubDate>
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    <itunes:duration>1070</itunes:duration>
    <itunes:keywords>how to talk about money with your partner, couples fighting about money, money and relationships podcast, how to budget as a couple, financial date night ideas, stop money fights in marriage, talking about finances without fighting, relationship money pro</itunes:keywords>
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    <itunes:title>Ep. 20 Paycheck Gone Too Fast? How to Finally Keep More Money</itunes:title>
    <title>Ep. 20 Paycheck Gone Too Fast? How to Finally Keep More Money</title>
    <itunes:summary><![CDATA[Send us Fan Mail 🔎 Not sure where YOU stand financially? Take our FREE 2-minute Financial Pulse Check: 👉 https://netwealthnest.com/pulse Are you tired of running out of money just days after payday? In this episode of the Net Wealth Nest Podcast, Jim breaks down why living paycheck to paycheck isn’t always about overspending — it’s often about when and how you pay your bills.  Learn practical money management strategies to smooth out cash flow, avoid overdraft fees, and stop relying on credit...]]></itunes:summary>
    <description><![CDATA[<p><a target="_blank" href="https://www.buzzsprout.com/2501127/fan_mail/new">Send us Fan Mail</a></p><p>🔎 Not sure where YOU stand financially? Take our FREE 2-minute Financial Pulse Check: 👉 https://netwealthnest.com/pulse</p><p>Are you tired of running out of money just days after payday? In this episode of the Net Wealth Nest Podcast, Jim breaks down why living paycheck to paycheck isn’t always about overspending — it’s often about when and how you pay your bills.<br/><br/>Learn practical money management strategies to smooth out cash flow, avoid overdraft fees, and stop relying on credit cards just to make it to the next payday. Jim shares simple steps like:<br/> • Mapping out your bills by paycheck dates<br/> • Adjusting due dates to balance expenses<br/> • Using bank alerts to stay on top of cash flow<br/> • Building a paycheck cushion to avoid financial stress<br/><br/>Whether you’re juggling biweekly paychecks, struggling with irregular expenses, or just want to stop feeling broke, this episode will give you actionable tips to take control of your money.<br/><br/>👉 If you’ve ever asked: “Why does my paycheck disappear so fast?” or “How do I balance bills when living paycheck to paycheck?” — this is your guide.<br/><br/>Subscribe to the Net Wealth Nest Podcast for more financial education, budgeting tips, and strategies to build long-term wealth.<br/><br/>#paychecktopaycheck  #budgetingtips  #moneymanagement</p><p><a href='https://www.netwealthnest.com/pulse'><b>Get your 2-minute Financial Pulse Check!</b></a></p><p><a href='https://www.netwealthnest.com/'><b>Visit us for info on our coaching!</b></a></p><p><a href='https://www.youtube.com/@NetWealthNest'><b>Visit Our YouTube Channel</b></a></p><p><br/></p>]]></description>
    <content:encoded><![CDATA[<p><a target="_blank" href="https://www.buzzsprout.com/2501127/fan_mail/new">Send us Fan Mail</a></p><p>🔎 Not sure where YOU stand financially? Take our FREE 2-minute Financial Pulse Check: 👉 https://netwealthnest.com/pulse</p><p>Are you tired of running out of money just days after payday? In this episode of the Net Wealth Nest Podcast, Jim breaks down why living paycheck to paycheck isn’t always about overspending — it’s often about when and how you pay your bills.<br/><br/>Learn practical money management strategies to smooth out cash flow, avoid overdraft fees, and stop relying on credit cards just to make it to the next payday. Jim shares simple steps like:<br/> • Mapping out your bills by paycheck dates<br/> • Adjusting due dates to balance expenses<br/> • Using bank alerts to stay on top of cash flow<br/> • Building a paycheck cushion to avoid financial stress<br/><br/>Whether you’re juggling biweekly paychecks, struggling with irregular expenses, or just want to stop feeling broke, this episode will give you actionable tips to take control of your money.<br/><br/>👉 If you’ve ever asked: “Why does my paycheck disappear so fast?” or “How do I balance bills when living paycheck to paycheck?” — this is your guide.<br/><br/>Subscribe to the Net Wealth Nest Podcast for more financial education, budgeting tips, and strategies to build long-term wealth.<br/><br/>#paychecktopaycheck  #budgetingtips  #moneymanagement</p><p><a href='https://www.netwealthnest.com/pulse'><b>Get your 2-minute Financial Pulse Check!</b></a></p><p><a href='https://www.netwealthnest.com/'><b>Visit us for info on our coaching!</b></a></p><p><a href='https://www.youtube.com/@NetWealthNest'><b>Visit Our YouTube Channel</b></a></p><p><br/></p>]]></content:encoded>
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    <itunes:author>Jim LeBoeuf</itunes:author>
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    <pubDate>Mon, 15 Sep 2025 07:00:00 -0500</pubDate>
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    <itunes:duration>711</itunes:duration>
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    <itunes:title>EP. 19 Side Hustles vs. Burnout: When Extra Income Helps and When It Hurts</itunes:title>
    <title>EP. 19 Side Hustles vs. Burnout: When Extra Income Helps and When It Hurts</title>
    <itunes:summary><![CDATA[Send us Fan Mail 🔎 Not sure where YOU stand financially? Take our FREE 2-minute Financial Pulse Check: 👉 https://netwealthnest.com/pulse Are side hustles actually helping you reach financial freedom, or silently burning you out? In this episode of the NetWealth Nest Podcast, we'll dive into the hidden costs of side hustling and why 67% of Americans with side gigs report feeling burned out.  From Uber and DoorDash to Fiverr freelancing and Facebook Marketplace flipping, side hustles can create...]]></itunes:summary>
    <description><![CDATA[<p><a target="_blank" href="https://www.buzzsprout.com/2501127/fan_mail/new">Send us Fan Mail</a></p><p>🔎 Not sure where YOU stand financially? Take our FREE 2-minute Financial Pulse Check: 👉 https://netwealthnest.com/pulse</p><p>Are side hustles actually helping you reach financial freedom, or silently burning you out? In this episode of the NetWealth Nest Podcast, we&apos;ll dive into the hidden costs of side hustling and why 67% of Americans with side gigs report feeling burned out.<br/><br/>From Uber and DoorDash to Fiverr freelancing and Facebook Marketplace flipping, side hustles can create extra income, flexibility, and skill-building opportunities.  But they can also lead to sleep loss, strained relationships, tax headaches, and poor mental health if you’re not careful.<br/><br/>You’ll learn:<br/>🔹 The latest stats on how many Americans have side hustles — and why burnout is skyrocketing.<br/>🔹 How to know if your side hustle is actually helping or hurting your finances.<br/>🔹 Tax traps most gig workers overlook — and how to avoid a nasty surprise in April.<br/>🔹 How to set clear goals so your side hustle works for you (not against you).<br/>🔹 Why focusing on your main job could actually grow your income faster.<br/><br/>If you’ve ever wondered whether your side hustle is worth the energy, this episode will give you the framework, questions, and strategies to make the right decision, and protect both your wallet and well-being.<br/><br/>📌 Subscribe to the NetWealth Nest Podcast for more tips on building wealth without burning out:<br/>Apple Podcasts | Spotify | YouTube<br/><br/>#SideHustle #FinancialFreedom #Burnout #PassiveIncome #NetWealthNest</p><p><a href='https://www.netwealthnest.com/pulse'><b>Get your 2-minute Financial Pulse Check!</b></a></p><p><a href='https://www.netwealthnest.com/'><b>Visit us for info on our coaching!</b></a></p><p><a href='https://www.youtube.com/@NetWealthNest'><b>Visit Our YouTube Channel</b></a></p><p><br/></p>]]></description>
    <content:encoded><![CDATA[<p><a target="_blank" href="https://www.buzzsprout.com/2501127/fan_mail/new">Send us Fan Mail</a></p><p>🔎 Not sure where YOU stand financially? Take our FREE 2-minute Financial Pulse Check: 👉 https://netwealthnest.com/pulse</p><p>Are side hustles actually helping you reach financial freedom, or silently burning you out? In this episode of the NetWealth Nest Podcast, we&apos;ll dive into the hidden costs of side hustling and why 67% of Americans with side gigs report feeling burned out.<br/><br/>From Uber and DoorDash to Fiverr freelancing and Facebook Marketplace flipping, side hustles can create extra income, flexibility, and skill-building opportunities.  But they can also lead to sleep loss, strained relationships, tax headaches, and poor mental health if you’re not careful.<br/><br/>You’ll learn:<br/>🔹 The latest stats on how many Americans have side hustles — and why burnout is skyrocketing.<br/>🔹 How to know if your side hustle is actually helping or hurting your finances.<br/>🔹 Tax traps most gig workers overlook — and how to avoid a nasty surprise in April.<br/>🔹 How to set clear goals so your side hustle works for you (not against you).<br/>🔹 Why focusing on your main job could actually grow your income faster.<br/><br/>If you’ve ever wondered whether your side hustle is worth the energy, this episode will give you the framework, questions, and strategies to make the right decision, and protect both your wallet and well-being.<br/><br/>📌 Subscribe to the NetWealth Nest Podcast for more tips on building wealth without burning out:<br/>Apple Podcasts | Spotify | YouTube<br/><br/>#SideHustle #FinancialFreedom #Burnout #PassiveIncome #NetWealthNest</p><p><a href='https://www.netwealthnest.com/pulse'><b>Get your 2-minute Financial Pulse Check!</b></a></p><p><a href='https://www.netwealthnest.com/'><b>Visit us for info on our coaching!</b></a></p><p><a href='https://www.youtube.com/@NetWealthNest'><b>Visit Our YouTube Channel</b></a></p><p><br/></p>]]></content:encoded>
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    <itunes:author>Jim LeBoeuf</itunes:author>
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    <pubDate>Mon, 08 Sep 2025 07:00:00 -0500</pubDate>
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    <itunes:title>Ep. 18 Buying a House Pt. 3</itunes:title>
    <title>Ep. 18 Buying a House Pt. 3</title>
    <itunes:summary><![CDATA[Send us Fan Mail 🔎 Not sure where YOU stand financially? Take our FREE 2-minute Financial Pulse Check: 👉 https://netwealthnest.com/pulse 🏡 Home Buying Series Part 3: Inspections, Appraisals &amp; Closing Tips | Net Wealth Nest Podcast  Welcome to Part 3 of our Home Buying Series! You’ve found your dream home, your offer is accepted—but now what? In this episode, I'll walk you through the critical steps to take before you close the deal.  ✔️ Why home inspections matter ✔️ What to negotiate aft...]]></itunes:summary>
    <description><![CDATA[<p><a target="_blank" href="https://www.buzzsprout.com/2501127/fan_mail/new">Send us Fan Mail</a></p><p>🔎 Not sure where YOU stand financially? Take our FREE 2-minute Financial Pulse Check: 👉 https://netwealthnest.com/pulse</p><p>🏡 Home Buying Series Part 3: Inspections, Appraisals &amp; Closing Tips | Net Wealth Nest Podcast<br/><br/>Welcome to Part 3 of our Home Buying Series! You’ve found your dream home, your offer is accepted—but now what? In this episode, I&apos;ll walk you through the critical steps to take before you close the deal.<br/><br/>✔️ Why home inspections matter<br/>✔️ What to negotiate after your inspection<br/>✔️ The role of appraisals in final loan approval<br/>✔️ What title companies, insurance, and utilities have to do with your closing<br/>✔️ Must-know tips for a smooth walk-through and closing day<br/>✔️ Common homebuyer pitfalls to avoid 🚨<br/><br/>Whether you’re a first-time buyer or just need a refresher, this episode provides essential insights that will help you protect your investment and navigate the final steps with confidence.<br/><br/>⸻<br/><br/>💡 Free Financial Education &amp; Coaching<br/>Want more financial knowledge and real estate tips? Visit us at https://netwealthnest.com to join our community, explore coaching options, or bring a class to your organization.<br/><br/>🎧 Subscribe to the Net Wealth Nest Podcast<br/>Apple | Spotify | YouTube<br/><br/>🔔 Don’t forget to like, comment, and subscribe to help more people learn the rules of the money game!<br/><br/>#HomeBuyingTips #RealEstateEducation #FirstTimeHomeBuyer #FinancialEducation #NetWealthNest #MoneyMindset #Budgeting #ClosingProcess #HomeInspection #MortgageTips</p><p><a href='https://www.netwealthnest.com/pulse'><b>Get your 2-minute Financial Pulse Check!</b></a></p><p><a href='https://www.netwealthnest.com/'><b>Visit us for info on our coaching!</b></a></p><p><a href='https://www.youtube.com/@NetWealthNest'><b>Visit Our YouTube Channel</b></a></p><p><br/></p>]]></description>
    <content:encoded><![CDATA[<p><a target="_blank" href="https://www.buzzsprout.com/2501127/fan_mail/new">Send us Fan Mail</a></p><p>🔎 Not sure where YOU stand financially? Take our FREE 2-minute Financial Pulse Check: 👉 https://netwealthnest.com/pulse</p><p>🏡 Home Buying Series Part 3: Inspections, Appraisals &amp; Closing Tips | Net Wealth Nest Podcast<br/><br/>Welcome to Part 3 of our Home Buying Series! You’ve found your dream home, your offer is accepted—but now what? In this episode, I&apos;ll walk you through the critical steps to take before you close the deal.<br/><br/>✔️ Why home inspections matter<br/>✔️ What to negotiate after your inspection<br/>✔️ The role of appraisals in final loan approval<br/>✔️ What title companies, insurance, and utilities have to do with your closing<br/>✔️ Must-know tips for a smooth walk-through and closing day<br/>✔️ Common homebuyer pitfalls to avoid 🚨<br/><br/>Whether you’re a first-time buyer or just need a refresher, this episode provides essential insights that will help you protect your investment and navigate the final steps with confidence.<br/><br/>⸻<br/><br/>💡 Free Financial Education &amp; Coaching<br/>Want more financial knowledge and real estate tips? Visit us at https://netwealthnest.com to join our community, explore coaching options, or bring a class to your organization.<br/><br/>🎧 Subscribe to the Net Wealth Nest Podcast<br/>Apple | Spotify | YouTube<br/><br/>🔔 Don’t forget to like, comment, and subscribe to help more people learn the rules of the money game!<br/><br/>#HomeBuyingTips #RealEstateEducation #FirstTimeHomeBuyer #FinancialEducation #NetWealthNest #MoneyMindset #Budgeting #ClosingProcess #HomeInspection #MortgageTips</p><p><a href='https://www.netwealthnest.com/pulse'><b>Get your 2-minute Financial Pulse Check!</b></a></p><p><a href='https://www.netwealthnest.com/'><b>Visit us for info on our coaching!</b></a></p><p><a href='https://www.youtube.com/@NetWealthNest'><b>Visit Our YouTube Channel</b></a></p><p><br/></p>]]></content:encoded>
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    <itunes:author>Jim LeBoeuf</itunes:author>
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    <pubDate>Mon, 01 Sep 2025 07:00:00 -0500</pubDate>
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    <itunes:duration>1134</itunes:duration>
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    <itunes:title>Ep. 17 Buying a House Pt. 2</itunes:title>
    <title>Ep. 17 Buying a House Pt. 2</title>
    <itunes:summary><![CDATA[Send us Fan Mail 🔎 Not sure where YOU stand financially? Take our FREE 2-minute Financial Pulse Check: 👉 https://netwealthnest.com/pulse In our second video for buying a home, we cover getting an agent, touring your home, and crafting an offer. Get your 2-minute Financial Pulse Check! Visit us for info on our coaching! Visit Our YouTube Channel   ]]></itunes:summary>
    <description><![CDATA[<p><a target="_blank" href="https://www.buzzsprout.com/2501127/fan_mail/new">Send us Fan Mail</a></p><p>🔎 Not sure where YOU stand financially? Take our FREE 2-minute Financial Pulse Check: 👉 https://netwealthnest.com/pulse</p><p>In our second video for buying a home, we cover getting an agent, touring your home, and crafting an offer.</p><p><a href='https://www.netwealthnest.com/pulse'><b>Get your 2-minute Financial Pulse Check!</b></a></p><p><a href='https://www.netwealthnest.com/'><b>Visit us for info on our coaching!</b></a></p><p><a href='https://www.youtube.com/@NetWealthNest'><b>Visit Our YouTube Channel</b></a></p><p><br/></p>]]></description>
    <content:encoded><![CDATA[<p><a target="_blank" href="https://www.buzzsprout.com/2501127/fan_mail/new">Send us Fan Mail</a></p><p>🔎 Not sure where YOU stand financially? Take our FREE 2-minute Financial Pulse Check: 👉 https://netwealthnest.com/pulse</p><p>In our second video for buying a home, we cover getting an agent, touring your home, and crafting an offer.</p><p><a href='https://www.netwealthnest.com/pulse'><b>Get your 2-minute Financial Pulse Check!</b></a></p><p><a href='https://www.netwealthnest.com/'><b>Visit us for info on our coaching!</b></a></p><p><a href='https://www.youtube.com/@NetWealthNest'><b>Visit Our YouTube Channel</b></a></p><p><br/></p>]]></content:encoded>
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    <itunes:author>Jim LeBoeuf</itunes:author>
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    <pubDate>Mon, 25 Aug 2025 07:00:00 -0500</pubDate>
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    <itunes:duration>1132</itunes:duration>
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    <itunes:title>Ep. 16 Buying a House Pt. 1</itunes:title>
    <title>Ep. 16 Buying a House Pt. 1</title>
    <itunes:summary><![CDATA[Send us Fan Mail 🔎 Not sure where YOU stand financially? Take our FREE 2-minute Financial Pulse Check: 👉 https://netwealthnest.com/pulse This is the first video of a 3 part series on the steps to buying a home.  In part one we cover setting a timeframe, understanding how much to save (your down payment and closing costs), and then how to approach finding a bank for your mortgage.  Here's the link for a basic mortgage calculator that allows you to input price, downpayment, interest rate, ...]]></itunes:summary>
    <description><![CDATA[<p><a target="_blank" href="https://www.buzzsprout.com/2501127/fan_mail/new">Send us Fan Mail</a></p><p>🔎 Not sure where YOU stand financially? Take our FREE 2-minute Financial Pulse Check: 👉 https://netwealthnest.com/pulse</p><p>This is the first video of a 3 part series on the steps to buying a home.  In part one we cover setting a timeframe, understanding how much to save (your down payment and closing costs), and then how to approach finding a bank for your mortgage.<br/><br/>Here&apos;s the link for a basic mortgage calculator that allows you to input price, downpayment, interest rate, taxes, and insurance costs. (For taxes and insurance, I usually use redfin.com or realtor.com to give me a rough estimate).<br/><br/>Link: https://www.mortgagecalculator.org<br/><br/>Let me know if this is helpful in the comments, and hit that like button and follow for future episodes!</p><p><a href='https://www.netwealthnest.com/pulse'><b>Get your 2-minute Financial Pulse Check!</b></a></p><p><a href='https://www.netwealthnest.com/'><b>Visit us for info on our coaching!</b></a></p><p><a href='https://www.youtube.com/@NetWealthNest'><b>Visit Our YouTube Channel</b></a></p><p><br/></p>]]></description>
    <content:encoded><![CDATA[<p><a target="_blank" href="https://www.buzzsprout.com/2501127/fan_mail/new">Send us Fan Mail</a></p><p>🔎 Not sure where YOU stand financially? Take our FREE 2-minute Financial Pulse Check: 👉 https://netwealthnest.com/pulse</p><p>This is the first video of a 3 part series on the steps to buying a home.  In part one we cover setting a timeframe, understanding how much to save (your down payment and closing costs), and then how to approach finding a bank for your mortgage.<br/><br/>Here&apos;s the link for a basic mortgage calculator that allows you to input price, downpayment, interest rate, taxes, and insurance costs. (For taxes and insurance, I usually use redfin.com or realtor.com to give me a rough estimate).<br/><br/>Link: https://www.mortgagecalculator.org<br/><br/>Let me know if this is helpful in the comments, and hit that like button and follow for future episodes!</p><p><a href='https://www.netwealthnest.com/pulse'><b>Get your 2-minute Financial Pulse Check!</b></a></p><p><a href='https://www.netwealthnest.com/'><b>Visit us for info on our coaching!</b></a></p><p><a href='https://www.youtube.com/@NetWealthNest'><b>Visit Our YouTube Channel</b></a></p><p><br/></p>]]></content:encoded>
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    <itunes:author>Jim LeBoeuf</itunes:author>
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    <pubDate>Mon, 18 Aug 2025 07:00:00 -0500</pubDate>
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    <itunes:duration>1082</itunes:duration>
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    <itunes:title>Ep. 15 The Rise of BNPL</itunes:title>
    <title>Ep. 15 The Rise of BNPL</title>
    <itunes:summary><![CDATA[Send us Fan Mail 🔎 Not sure where YOU stand financially? Take our FREE 2-minute Financial Pulse Check: 👉 https://netwealthnest.com/pulse In this episode learn about Buy now Pay later loans! Get your 2-minute Financial Pulse Check! Visit us for info on our coaching! Visit Our YouTube Channel   ]]></itunes:summary>
    <description><![CDATA[<p><a target="_blank" href="https://www.buzzsprout.com/2501127/fan_mail/new">Send us Fan Mail</a></p><p>🔎 Not sure where YOU stand financially? Take our FREE 2-minute Financial Pulse Check: 👉 https://netwealthnest.com/pulse</p><p>In this episode learn about Buy now Pay later loans!</p><p><a href='https://www.netwealthnest.com/pulse'><b>Get your 2-minute Financial Pulse Check!</b></a></p><p><a href='https://www.netwealthnest.com/'><b>Visit us for info on our coaching!</b></a></p><p><a href='https://www.youtube.com/@NetWealthNest'><b>Visit Our YouTube Channel</b></a></p><p><br/></p>]]></description>
    <content:encoded><![CDATA[<p><a target="_blank" href="https://www.buzzsprout.com/2501127/fan_mail/new">Send us Fan Mail</a></p><p>🔎 Not sure where YOU stand financially? Take our FREE 2-minute Financial Pulse Check: 👉 https://netwealthnest.com/pulse</p><p>In this episode learn about Buy now Pay later loans!</p><p><a href='https://www.netwealthnest.com/pulse'><b>Get your 2-minute Financial Pulse Check!</b></a></p><p><a href='https://www.netwealthnest.com/'><b>Visit us for info on our coaching!</b></a></p><p><a href='https://www.youtube.com/@NetWealthNest'><b>Visit Our YouTube Channel</b></a></p><p><br/></p>]]></content:encoded>
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    <itunes:author>Jim LeBoeuf</itunes:author>
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    <pubDate>Mon, 11 Aug 2025 07:00:00 -0500</pubDate>
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    <itunes:duration>909</itunes:duration>
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  <item>
    <itunes:title>Ep. 14 Helping Without Hurting: When They Ask You for Cash</itunes:title>
    <title>Ep. 14 Helping Without Hurting: When They Ask You for Cash</title>
    <itunes:summary><![CDATA[Send us Fan Mail 🔎 Not sure where YOU stand financially? Take our FREE 2-minute Financial Pulse Check: 👉 https://netwealthnest.com/pulse In this episode we talk about how to handle when friends and family ask for cash, and a few rules to guide you in your decision!   Get your 2-minute Financial Pulse Check! Visit us for info on our coaching! Visit Our YouTube Channel   ]]></itunes:summary>
    <description><![CDATA[<p><a target="_blank" href="https://www.buzzsprout.com/2501127/fan_mail/new">Send us Fan Mail</a></p><p>🔎 Not sure where YOU stand financially? Take our FREE 2-minute Financial Pulse Check: 👉 https://netwealthnest.com/pulse</p><p>In this episode we talk about how to handle when friends and family ask for cash, and a few rules to guide you in your decision!</p><p><br/></p><p><a href='https://www.netwealthnest.com/pulse'><b>Get your 2-minute Financial Pulse Check!</b></a></p><p><a href='https://www.netwealthnest.com/'><b>Visit us for info on our coaching!</b></a></p><p><a href='https://www.youtube.com/@NetWealthNest'><b>Visit Our YouTube Channel</b></a></p><p><br/></p>]]></description>
    <content:encoded><![CDATA[<p><a target="_blank" href="https://www.buzzsprout.com/2501127/fan_mail/new">Send us Fan Mail</a></p><p>🔎 Not sure where YOU stand financially? Take our FREE 2-minute Financial Pulse Check: 👉 https://netwealthnest.com/pulse</p><p>In this episode we talk about how to handle when friends and family ask for cash, and a few rules to guide you in your decision!</p><p><br/></p><p><a href='https://www.netwealthnest.com/pulse'><b>Get your 2-minute Financial Pulse Check!</b></a></p><p><a href='https://www.netwealthnest.com/'><b>Visit us for info on our coaching!</b></a></p><p><a href='https://www.youtube.com/@NetWealthNest'><b>Visit Our YouTube Channel</b></a></p><p><br/></p>]]></content:encoded>
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    <itunes:author>Jim LeBoeuf</itunes:author>
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    <pubDate>Mon, 04 Aug 2025 07:00:00 -0500</pubDate>
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    <itunes:duration>954</itunes:duration>
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  <item>
    <itunes:title>EP. 13 Mo Money Mo problems: The Lifestyle Creep Trap</itunes:title>
    <title>EP. 13 Mo Money Mo problems: The Lifestyle Creep Trap</title>
    <itunes:summary><![CDATA[Send us Fan Mail 🔎 Not sure where YOU stand financially? Take our FREE 2-minute Financial Pulse Check: 👉 https://netwealthnest.com/pulse In this episode we talk all about what Lifestyle Creep it, common ways it rears it's ugly head, and ways to avoid it! Get your 2-minute Financial Pulse Check! Visit us for info on our coaching! Visit Our YouTube Channel   ]]></itunes:summary>
    <description><![CDATA[<p><a target="_blank" href="https://www.buzzsprout.com/2501127/fan_mail/new">Send us Fan Mail</a></p><p>🔎 Not sure where YOU stand financially? Take our FREE 2-minute Financial Pulse Check: 👉 https://netwealthnest.com/pulse</p><p>In this episode we talk all about what Lifestyle Creep it, common ways it rears it&apos;s ugly head, and ways to avoid it!</p><p><a href='https://www.netwealthnest.com/pulse'><b>Get your 2-minute Financial Pulse Check!</b></a></p><p><a href='https://www.netwealthnest.com/'><b>Visit us for info on our coaching!</b></a></p><p><a href='https://www.youtube.com/@NetWealthNest'><b>Visit Our YouTube Channel</b></a></p><p><br/></p>]]></description>
    <content:encoded><![CDATA[<p><a target="_blank" href="https://www.buzzsprout.com/2501127/fan_mail/new">Send us Fan Mail</a></p><p>🔎 Not sure where YOU stand financially? Take our FREE 2-minute Financial Pulse Check: 👉 https://netwealthnest.com/pulse</p><p>In this episode we talk all about what Lifestyle Creep it, common ways it rears it&apos;s ugly head, and ways to avoid it!</p><p><a href='https://www.netwealthnest.com/pulse'><b>Get your 2-minute Financial Pulse Check!</b></a></p><p><a href='https://www.netwealthnest.com/'><b>Visit us for info on our coaching!</b></a></p><p><a href='https://www.youtube.com/@NetWealthNest'><b>Visit Our YouTube Channel</b></a></p><p><br/></p>]]></content:encoded>
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    <itunes:author>Jim LeBoeuf</itunes:author>
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    <pubDate>Mon, 28 Jul 2025 08:00:00 -0500</pubDate>
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    <itunes:duration>999</itunes:duration>
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    <itunes:title>Ep. 12 Deductions, taxes and confusion: Understand your paycheck!</itunes:title>
    <title>Ep. 12 Deductions, taxes and confusion: Understand your paycheck!</title>
    <itunes:summary><![CDATA[Send us Fan Mail 🔎 Not sure where YOU stand financially? Take our FREE 2-minute Financial Pulse Check: 👉 https://netwealthnest.com/pulse In this episode we walk through your paycheck, helping you understand all the line items and why what you take home is not the same as your total pay!   Here's' the link to the episode on taxes: https://www.buzzsprout.com/2501127/episodes/17378462 Get your 2-minute Financial Pulse Check! Visit us for info on our coaching! Visit Our YouTube Channel   ]]></itunes:summary>
    <description><![CDATA[<p><a target="_blank" href="https://www.buzzsprout.com/2501127/fan_mail/new">Send us Fan Mail</a></p><p>🔎 Not sure where YOU stand financially? Take our FREE 2-minute Financial Pulse Check: 👉 https://netwealthnest.com/pulse</p><p>In this episode we walk through your paycheck, helping you understand all the line items and why what you take home is not the same as your total pay!</p><p><br/></p><p>Here&apos;s&apos; the link to the episode on taxes: https://www.buzzsprout.com/2501127/episodes/17378462</p><p><a href='https://www.netwealthnest.com/pulse'><b>Get your 2-minute Financial Pulse Check!</b></a></p><p><a href='https://www.netwealthnest.com/'><b>Visit us for info on our coaching!</b></a></p><p><a href='https://www.youtube.com/@NetWealthNest'><b>Visit Our YouTube Channel</b></a></p><p><br/></p>]]></description>
    <content:encoded><![CDATA[<p><a target="_blank" href="https://www.buzzsprout.com/2501127/fan_mail/new">Send us Fan Mail</a></p><p>🔎 Not sure where YOU stand financially? Take our FREE 2-minute Financial Pulse Check: 👉 https://netwealthnest.com/pulse</p><p>In this episode we walk through your paycheck, helping you understand all the line items and why what you take home is not the same as your total pay!</p><p><br/></p><p>Here&apos;s&apos; the link to the episode on taxes: https://www.buzzsprout.com/2501127/episodes/17378462</p><p><a href='https://www.netwealthnest.com/pulse'><b>Get your 2-minute Financial Pulse Check!</b></a></p><p><a href='https://www.netwealthnest.com/'><b>Visit us for info on our coaching!</b></a></p><p><a href='https://www.youtube.com/@NetWealthNest'><b>Visit Our YouTube Channel</b></a></p><p><br/></p>]]></content:encoded>
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    <itunes:author>Jim LeBoeuf</itunes:author>
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    <pubDate>Mon, 21 Jul 2025 12:00:00 -0500</pubDate>
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    <itunes:duration>837</itunes:duration>
    <itunes:keywords></itunes:keywords>
    <itunes:episodeType>full</itunes:episodeType>
    <itunes:explicit>false</itunes:explicit>
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  <item>
    <itunes:title>Ep. 11 Debt vs. Dollars: Deciding When to Invest and When to Pay Down</itunes:title>
    <title>Ep. 11 Debt vs. Dollars: Deciding When to Invest and When to Pay Down</title>
    <itunes:summary><![CDATA[Send us Fan Mail 🔎 Not sure where YOU stand financially? Take our FREE 2-minute Financial Pulse Check: 👉 https://netwealthnest.com/pulse In this video we talk about things you should be thinking about and researching as you try to decide when you should be investing or paying down debt.   Link to Ep. 2 Building your Emergency Fund: https://www.buzzsprout.com/2501127/episodes/17153970 Get your 2-minute Financial Pulse Check! Visit us for info on our coaching! Visit Our YouTube Channel   ]]></itunes:summary>
    <description><![CDATA[<p><a target="_blank" href="https://www.buzzsprout.com/2501127/fan_mail/new">Send us Fan Mail</a></p><p>🔎 Not sure where YOU stand financially? Take our FREE 2-minute Financial Pulse Check: 👉 https://netwealthnest.com/pulse</p><p>In this video we talk about things you should be thinking about and researching as you try to decide when you should be investing or paying down debt.</p><p><br/></p><p>Link to Ep. 2 Building your Emergency Fund: https://www.buzzsprout.com/2501127/episodes/17153970</p><p><a href='https://www.netwealthnest.com/pulse'><b>Get your 2-minute Financial Pulse Check!</b></a></p><p><a href='https://www.netwealthnest.com/'><b>Visit us for info on our coaching!</b></a></p><p><a href='https://www.youtube.com/@NetWealthNest'><b>Visit Our YouTube Channel</b></a></p><p><br/></p>]]></description>
    <content:encoded><![CDATA[<p><a target="_blank" href="https://www.buzzsprout.com/2501127/fan_mail/new">Send us Fan Mail</a></p><p>🔎 Not sure where YOU stand financially? Take our FREE 2-minute Financial Pulse Check: 👉 https://netwealthnest.com/pulse</p><p>In this video we talk about things you should be thinking about and researching as you try to decide when you should be investing or paying down debt.</p><p><br/></p><p>Link to Ep. 2 Building your Emergency Fund: https://www.buzzsprout.com/2501127/episodes/17153970</p><p><a href='https://www.netwealthnest.com/pulse'><b>Get your 2-minute Financial Pulse Check!</b></a></p><p><a href='https://www.netwealthnest.com/'><b>Visit us for info on our coaching!</b></a></p><p><a href='https://www.youtube.com/@NetWealthNest'><b>Visit Our YouTube Channel</b></a></p><p><br/></p>]]></content:encoded>
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    <itunes:author>Jim LeBoeuf</itunes:author>
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    <pubDate>Mon, 14 Jul 2025 08:00:00 -0500</pubDate>
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  <item>
    <itunes:title>Ep. 10 Needs Vs Wants: Why Wants are holding the average person back.</itunes:title>
    <title>Ep. 10 Needs Vs Wants: Why Wants are holding the average person back.</title>
    <itunes:summary><![CDATA[Send us Fan Mail 🔎 Not sure where YOU stand financially? Take our FREE 2-minute Financial Pulse Check: 👉 https://netwealthnest.com/pulse Most people overspend on their Wants and blur them with their needs.  We're going to talk a bit about that today and help you understand the difference, and how to be more in control of your Wants. Get your 2-minute Financial Pulse Check! Visit us for info on our coaching! Visit Our YouTube Channel   ]]></itunes:summary>
    <description><![CDATA[<p><a target="_blank" href="https://www.buzzsprout.com/2501127/fan_mail/new">Send us Fan Mail</a></p><p>🔎 Not sure where YOU stand financially? Take our FREE 2-minute Financial Pulse Check: 👉 https://netwealthnest.com/pulse</p><p>Most people overspend on their Wants and blur them with their needs.  We&apos;re going to talk a bit about that today and help you understand the difference, and how to be more in control of your Wants.</p><p><a href='https://www.netwealthnest.com/pulse'><b>Get your 2-minute Financial Pulse Check!</b></a></p><p><a href='https://www.netwealthnest.com/'><b>Visit us for info on our coaching!</b></a></p><p><a href='https://www.youtube.com/@NetWealthNest'><b>Visit Our YouTube Channel</b></a></p><p><br/></p>]]></description>
    <content:encoded><![CDATA[<p><a target="_blank" href="https://www.buzzsprout.com/2501127/fan_mail/new">Send us Fan Mail</a></p><p>🔎 Not sure where YOU stand financially? Take our FREE 2-minute Financial Pulse Check: 👉 https://netwealthnest.com/pulse</p><p>Most people overspend on their Wants and blur them with their needs.  We&apos;re going to talk a bit about that today and help you understand the difference, and how to be more in control of your Wants.</p><p><a href='https://www.netwealthnest.com/pulse'><b>Get your 2-minute Financial Pulse Check!</b></a></p><p><a href='https://www.netwealthnest.com/'><b>Visit us for info on our coaching!</b></a></p><p><a href='https://www.youtube.com/@NetWealthNest'><b>Visit Our YouTube Channel</b></a></p><p><br/></p>]]></content:encoded>
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    <itunes:author>Jim LeBoeuf</itunes:author>
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    <pubDate>Mon, 07 Jul 2025 08:00:00 -0500</pubDate>
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    <itunes:duration>1146</itunes:duration>
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    <itunes:title>Ep. 9 Why You Should Start Investing - and How to Begin Your Research</itunes:title>
    <title>Ep. 9 Why You Should Start Investing - and How to Begin Your Research</title>
    <itunes:summary><![CDATA[Send us Fan Mail 🔎 Not sure where YOU stand financially? Take our FREE 2-minute Financial Pulse Check: 👉 https://netwealthnest.com/pulse Brief overview on why investing and using assets that compound in value is how you need to approach growing your wealth.  Sites we reference for opening a brokerage account: - Vanguard.com - Etrade.com - Fidelity.com  Compound growth: a non-linear way that money can grow to large sums, with long term investing and positive returns. 401k, 401B: Some employers...]]></itunes:summary>
    <description><![CDATA[<p><a target="_blank" href="https://www.buzzsprout.com/2501127/fan_mail/new">Send us Fan Mail</a></p><p>🔎 Not sure where YOU stand financially? Take our FREE 2-minute Financial Pulse Check: 👉 https://netwealthnest.com/pulse</p><p>Brief overview on why investing and using assets that compound in value is how you need to approach growing your wealth.<br/><br/>Sites we reference for opening a brokerage account:<br/>- Vanguard.com<br/>- Etrade.com<br/>- Fidelity.com<br/><br/>Compound growth: a non-linear way that money can grow to large sums, with long term investing and positive returns.<br/>401k, 401B: Some employers offer these retirement plans that allow you to invest part of your paycheck automatically.<br/>Index Fund: A collection of stocks that follow a certain market, like the Dow Hjones, the S&amp;P500 or even specific sectors (think like energy, retail, or automobile stocks).<br/>ETF/Mutual Funds: Similar to an index, but often managed by a person which typically means higher fees.<br/>Fees: Amount charged on the amount of money managed by a brokerage or individual.  These fees can range from 0.04% to 2% and sometimes more.</p><p><a href='https://www.netwealthnest.com/pulse'><b>Get your 2-minute Financial Pulse Check!</b></a></p><p><a href='https://www.netwealthnest.com/'><b>Visit us for info on our coaching!</b></a></p><p><a href='https://www.youtube.com/@NetWealthNest'><b>Visit Our YouTube Channel</b></a></p><p><br/></p>]]></description>
    <content:encoded><![CDATA[<p><a target="_blank" href="https://www.buzzsprout.com/2501127/fan_mail/new">Send us Fan Mail</a></p><p>🔎 Not sure where YOU stand financially? Take our FREE 2-minute Financial Pulse Check: 👉 https://netwealthnest.com/pulse</p><p>Brief overview on why investing and using assets that compound in value is how you need to approach growing your wealth.<br/><br/>Sites we reference for opening a brokerage account:<br/>- Vanguard.com<br/>- Etrade.com<br/>- Fidelity.com<br/><br/>Compound growth: a non-linear way that money can grow to large sums, with long term investing and positive returns.<br/>401k, 401B: Some employers offer these retirement plans that allow you to invest part of your paycheck automatically.<br/>Index Fund: A collection of stocks that follow a certain market, like the Dow Hjones, the S&amp;P500 or even specific sectors (think like energy, retail, or automobile stocks).<br/>ETF/Mutual Funds: Similar to an index, but often managed by a person which typically means higher fees.<br/>Fees: Amount charged on the amount of money managed by a brokerage or individual.  These fees can range from 0.04% to 2% and sometimes more.</p><p><a href='https://www.netwealthnest.com/pulse'><b>Get your 2-minute Financial Pulse Check!</b></a></p><p><a href='https://www.netwealthnest.com/'><b>Visit us for info on our coaching!</b></a></p><p><a href='https://www.youtube.com/@NetWealthNest'><b>Visit Our YouTube Channel</b></a></p><p><br/></p>]]></content:encoded>
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    <itunes:author>Jim LeBoeuf</itunes:author>
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    <pubDate>Mon, 30 Jun 2025 08:00:00 -0500</pubDate>
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    <itunes:duration>742</itunes:duration>
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    <itunes:title>Ep. 8 Introduction to how taxes work</itunes:title>
    <title>Ep. 8 Introduction to how taxes work</title>
    <itunes:summary><![CDATA[Send us Fan Mail 🔎 Not sure where YOU stand financially? Take our FREE 2-minute Financial Pulse Check: 👉 https://netwealthnest.com/pulse This video gives a high level overview on how federal taxes work, and the basics of what most people need to understand to get them started on how they take care of their taxes each year. Get your 2-minute Financial Pulse Check! Visit us for info on our coaching! Visit Our YouTube Channel   ]]></itunes:summary>
    <description><![CDATA[<p><a target="_blank" href="https://www.buzzsprout.com/2501127/fan_mail/new">Send us Fan Mail</a></p><p>🔎 Not sure where YOU stand financially? Take our FREE 2-minute Financial Pulse Check: 👉 https://netwealthnest.com/pulse</p><p>This video gives a high level overview on how federal taxes work, and the basics of what most people need to understand to get them started on how they take care of their taxes each year.</p><p><a href='https://www.netwealthnest.com/pulse'><b>Get your 2-minute Financial Pulse Check!</b></a></p><p><a href='https://www.netwealthnest.com/'><b>Visit us for info on our coaching!</b></a></p><p><a href='https://www.youtube.com/@NetWealthNest'><b>Visit Our YouTube Channel</b></a></p><p><br/></p>]]></description>
    <content:encoded><![CDATA[<p><a target="_blank" href="https://www.buzzsprout.com/2501127/fan_mail/new">Send us Fan Mail</a></p><p>🔎 Not sure where YOU stand financially? Take our FREE 2-minute Financial Pulse Check: 👉 https://netwealthnest.com/pulse</p><p>This video gives a high level overview on how federal taxes work, and the basics of what most people need to understand to get them started on how they take care of their taxes each year.</p><p><a href='https://www.netwealthnest.com/pulse'><b>Get your 2-minute Financial Pulse Check!</b></a></p><p><a href='https://www.netwealthnest.com/'><b>Visit us for info on our coaching!</b></a></p><p><a href='https://www.youtube.com/@NetWealthNest'><b>Visit Our YouTube Channel</b></a></p><p><br/></p>]]></content:encoded>
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    <itunes:author>Jim LeBoeuf</itunes:author>
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    <pubDate>Mon, 23 Jun 2025 08:00:00 -0500</pubDate>
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    <itunes:duration>769</itunes:duration>
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    <itunes:episodeType>full</itunes:episodeType>
    <itunes:explicit>false</itunes:explicit>
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    <itunes:title>Ep. 7 Progress Over Perfection</itunes:title>
    <title>Ep. 7 Progress Over Perfection</title>
    <itunes:summary><![CDATA[Send us Fan Mail 🔎 Not sure where YOU stand financially? Take our FREE 2-minute Financial Pulse Check: 👉 https://netwealthnest.com/pulse In this short episode we talk about getting your mindset right around making progress Vs trying to be perfect, and using small progress to make big impact over the long term. Get your 2-minute Financial Pulse Check! Visit us for info on our coaching! Visit Our YouTube Channel   ]]></itunes:summary>
    <description><![CDATA[<p><a target="_blank" href="https://www.buzzsprout.com/2501127/fan_mail/new">Send us Fan Mail</a></p><p>🔎 Not sure where YOU stand financially? Take our FREE 2-minute Financial Pulse Check: 👉 https://netwealthnest.com/pulse</p><p>In this short episode we talk about getting your mindset right around making progress Vs trying to be perfect, and using small progress to make big impact over the long term.</p><p><a href='https://www.netwealthnest.com/pulse'><b>Get your 2-minute Financial Pulse Check!</b></a></p><p><a href='https://www.netwealthnest.com/'><b>Visit us for info on our coaching!</b></a></p><p><a href='https://www.youtube.com/@NetWealthNest'><b>Visit Our YouTube Channel</b></a></p><p><br/></p>]]></description>
    <content:encoded><![CDATA[<p><a target="_blank" href="https://www.buzzsprout.com/2501127/fan_mail/new">Send us Fan Mail</a></p><p>🔎 Not sure where YOU stand financially? Take our FREE 2-minute Financial Pulse Check: 👉 https://netwealthnest.com/pulse</p><p>In this short episode we talk about getting your mindset right around making progress Vs trying to be perfect, and using small progress to make big impact over the long term.</p><p><a href='https://www.netwealthnest.com/pulse'><b>Get your 2-minute Financial Pulse Check!</b></a></p><p><a href='https://www.netwealthnest.com/'><b>Visit us for info on our coaching!</b></a></p><p><a href='https://www.youtube.com/@NetWealthNest'><b>Visit Our YouTube Channel</b></a></p><p><br/></p>]]></content:encoded>
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    <itunes:author>Jim LeBoeuf</itunes:author>
    <guid isPermaLink="false">Buzzsprout-17339377</guid>
    <pubDate>Mon, 16 Jun 2025 08:00:00 -0500</pubDate>
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    <itunes:duration>385</itunes:duration>
    <itunes:keywords></itunes:keywords>
    <itunes:episodeType>full</itunes:episodeType>
    <itunes:explicit>false</itunes:explicit>
  </item>
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    <itunes:title>Ep. 6 Understanding Credit Cards and Debt Management</itunes:title>
    <title>Ep. 6 Understanding Credit Cards and Debt Management</title>
    <itunes:summary><![CDATA[Send us Fan Mail 🔎 Not sure where YOU stand financially? Take our FREE 2-minute Financial Pulse Check: 👉 https://netwealthnest.com/pulse This episode we dive in to how to manage credit card debt and most importantly a couple of strategies to pay it off! Get your 2-minute Financial Pulse Check! Visit us for info on our coaching! Visit Our YouTube Channel   ]]></itunes:summary>
    <description><![CDATA[<p><a target="_blank" href="https://www.buzzsprout.com/2501127/fan_mail/new">Send us Fan Mail</a></p><p>🔎 Not sure where YOU stand financially? Take our FREE 2-minute Financial Pulse Check: 👉 https://netwealthnest.com/pulse</p><p>This episode we dive in to how to manage credit card debt and most importantly a couple of strategies to pay it off!</p><p><a href='https://www.netwealthnest.com/pulse'><b>Get your 2-minute Financial Pulse Check!</b></a></p><p><a href='https://www.netwealthnest.com/'><b>Visit us for info on our coaching!</b></a></p><p><a href='https://www.youtube.com/@NetWealthNest'><b>Visit Our YouTube Channel</b></a></p><p><br/></p>]]></description>
    <content:encoded><![CDATA[<p><a target="_blank" href="https://www.buzzsprout.com/2501127/fan_mail/new">Send us Fan Mail</a></p><p>🔎 Not sure where YOU stand financially? Take our FREE 2-minute Financial Pulse Check: 👉 https://netwealthnest.com/pulse</p><p>This episode we dive in to how to manage credit card debt and most importantly a couple of strategies to pay it off!</p><p><a href='https://www.netwealthnest.com/pulse'><b>Get your 2-minute Financial Pulse Check!</b></a></p><p><a href='https://www.netwealthnest.com/'><b>Visit us for info on our coaching!</b></a></p><p><a href='https://www.youtube.com/@NetWealthNest'><b>Visit Our YouTube Channel</b></a></p><p><br/></p>]]></content:encoded>
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    <itunes:author>Jim LeBoeuf</itunes:author>
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    <pubDate>Mon, 09 Jun 2025 08:00:00 -0500</pubDate>
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    <itunes:duration>974</itunes:duration>
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    <itunes:title>Ep. 5 Understanding your Credit Score</itunes:title>
    <title>Ep. 5 Understanding your Credit Score</title>
    <itunes:summary><![CDATA[Send us Fan Mail 🔎 Not sure where YOU stand financially? Take our FREE 2-minute Financial Pulse Check: 👉 https://netwealthnest.com/pulse Get your 2-minute Financial Pulse Check! Visit us for info on our coaching! Visit Our YouTube Channel   ]]></itunes:summary>
    <description><![CDATA[<p><a target="_blank" href="https://www.buzzsprout.com/2501127/fan_mail/new">Send us Fan Mail</a></p><p>🔎 Not sure where YOU stand financially? Take our FREE 2-minute Financial Pulse Check:<br/>👉 https://netwealthnest.com/pulse</p><p><a href='https://www.netwealthnest.com/pulse'><b>Get your 2-minute Financial Pulse Check!</b></a></p><p><a href='https://www.netwealthnest.com/'><b>Visit us for info on our coaching!</b></a></p><p><a href='https://www.youtube.com/@NetWealthNest'><b>Visit Our YouTube Channel</b></a></p><p><br/></p>]]></description>
    <content:encoded><![CDATA[<p><a target="_blank" href="https://www.buzzsprout.com/2501127/fan_mail/new">Send us Fan Mail</a></p><p>🔎 Not sure where YOU stand financially? Take our FREE 2-minute Financial Pulse Check:<br/>👉 https://netwealthnest.com/pulse</p><p><a href='https://www.netwealthnest.com/pulse'><b>Get your 2-minute Financial Pulse Check!</b></a></p><p><a href='https://www.netwealthnest.com/'><b>Visit us for info on our coaching!</b></a></p><p><a href='https://www.youtube.com/@NetWealthNest'><b>Visit Our YouTube Channel</b></a></p><p><br/></p>]]></content:encoded>
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    <itunes:author>Jim LeBoeuf</itunes:author>
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    <pubDate>Mon, 02 Jun 2025 08:00:00 -0500</pubDate>
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    <itunes:duration>770</itunes:duration>
    <itunes:keywords></itunes:keywords>
    <itunes:episodeType>full</itunes:episodeType>
    <itunes:explicit>false</itunes:explicit>
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    <itunes:title>Ep. 4 Having a &quot;Why&quot; (Vision) might be more important than the financial tactics!</itunes:title>
    <title>Ep. 4 Having a &quot;Why&quot; (Vision) might be more important than the financial tactics!</title>
    <itunes:summary><![CDATA[Send us Fan Mail 🔎 Not sure where YOU stand financially? Take our FREE 2-minute Financial Pulse Check: 👉 https://netwealthnest.com/pulse Get your 2-minute Financial Pulse Check! Visit us for info on our coaching! Visit Our YouTube Channel   ]]></itunes:summary>
    <description><![CDATA[<p><a target="_blank" href="https://www.buzzsprout.com/2501127/fan_mail/new">Send us Fan Mail</a></p><p>🔎 Not sure where YOU stand financially? Take our FREE 2-minute Financial Pulse Check:<br/>👉 https://netwealthnest.com/pulse</p><p><a href='https://www.netwealthnest.com/pulse'><b>Get your 2-minute Financial Pulse Check!</b></a></p><p><a href='https://www.netwealthnest.com/'><b>Visit us for info on our coaching!</b></a></p><p><a href='https://www.youtube.com/@NetWealthNest'><b>Visit Our YouTube Channel</b></a></p><p><br/></p>]]></description>
    <content:encoded><![CDATA[<p><a target="_blank" href="https://www.buzzsprout.com/2501127/fan_mail/new">Send us Fan Mail</a></p><p>🔎 Not sure where YOU stand financially? Take our FREE 2-minute Financial Pulse Check:<br/>👉 https://netwealthnest.com/pulse</p><p><a href='https://www.netwealthnest.com/pulse'><b>Get your 2-minute Financial Pulse Check!</b></a></p><p><a href='https://www.netwealthnest.com/'><b>Visit us for info on our coaching!</b></a></p><p><a href='https://www.youtube.com/@NetWealthNest'><b>Visit Our YouTube Channel</b></a></p><p><br/></p>]]></content:encoded>
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    <itunes:author>Jim LeBoeuf</itunes:author>
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    <pubDate>Mon, 26 May 2025 08:00:00 -0500</pubDate>
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    <itunes:duration>599</itunes:duration>
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    <itunes:title>Ep. 3 Buying vs. Renting 🏡</itunes:title>
    <title>Ep. 3 Buying vs. Renting 🏡</title>
    <itunes:summary><![CDATA[Send us Fan Mail 🔎 Not sure where YOU stand financially? Take our FREE 2-minute Financial Pulse Check: 👉 https://netwealthnest.com/pulse Get your 2-minute Financial Pulse Check! Visit us for info on our coaching! Visit Our YouTube Channel   ]]></itunes:summary>
    <description><![CDATA[<p><a target="_blank" href="https://www.buzzsprout.com/2501127/fan_mail/new">Send us Fan Mail</a></p><p>🔎 Not sure where YOU stand financially? Take our FREE 2-minute Financial Pulse Check:<br/>👉 https://netwealthnest.com/pulse</p><p><a href='https://www.netwealthnest.com/pulse'><b>Get your 2-minute Financial Pulse Check!</b></a></p><p><a href='https://www.netwealthnest.com/'><b>Visit us for info on our coaching!</b></a></p><p><a href='https://www.youtube.com/@NetWealthNest'><b>Visit Our YouTube Channel</b></a></p><p><br/></p>]]></description>
    <content:encoded><![CDATA[<p><a target="_blank" href="https://www.buzzsprout.com/2501127/fan_mail/new">Send us Fan Mail</a></p><p>🔎 Not sure where YOU stand financially? Take our FREE 2-minute Financial Pulse Check:<br/>👉 https://netwealthnest.com/pulse</p><p><a href='https://www.netwealthnest.com/pulse'><b>Get your 2-minute Financial Pulse Check!</b></a></p><p><a href='https://www.netwealthnest.com/'><b>Visit us for info on our coaching!</b></a></p><p><a href='https://www.youtube.com/@NetWealthNest'><b>Visit Our YouTube Channel</b></a></p><p><br/></p>]]></content:encoded>
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    <itunes:author>Jim LeBoeuf</itunes:author>
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    <pubDate>Mon, 19 May 2025 08:00:00 -0500</pubDate>
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    <itunes:duration>973</itunes:duration>
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    <itunes:episodeType>full</itunes:episodeType>
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    <itunes:title>Ep. 2 Build your Emergency Fund</itunes:title>
    <title>Ep. 2 Build your Emergency Fund</title>
    <itunes:summary><![CDATA[Send us Fan Mail 🔎 Not sure where YOU stand financially? Take our FREE 2-minute Financial Pulse Check: 👉 https://netwealthnest.com/pulse Get your 2-minute Financial Pulse Check! Visit us for info on our coaching! Visit Our YouTube Channel   ]]></itunes:summary>
    <description><![CDATA[<p><a target="_blank" href="https://www.buzzsprout.com/2501127/fan_mail/new">Send us Fan Mail</a></p><p>🔎 Not sure where YOU stand financially? Take our FREE 2-minute Financial Pulse Check:<br/>👉 https://netwealthnest.com/pulse</p><p><a href='https://www.netwealthnest.com/pulse'><b>Get your 2-minute Financial Pulse Check!</b></a></p><p><a href='https://www.netwealthnest.com/'><b>Visit us for info on our coaching!</b></a></p><p><a href='https://www.youtube.com/@NetWealthNest'><b>Visit Our YouTube Channel</b></a></p><p><br/></p>]]></description>
    <content:encoded><![CDATA[<p><a target="_blank" href="https://www.buzzsprout.com/2501127/fan_mail/new">Send us Fan Mail</a></p><p>🔎 Not sure where YOU stand financially? Take our FREE 2-minute Financial Pulse Check:<br/>👉 https://netwealthnest.com/pulse</p><p><a href='https://www.netwealthnest.com/pulse'><b>Get your 2-minute Financial Pulse Check!</b></a></p><p><a href='https://www.netwealthnest.com/'><b>Visit us for info on our coaching!</b></a></p><p><a href='https://www.youtube.com/@NetWealthNest'><b>Visit Our YouTube Channel</b></a></p><p><br/></p>]]></content:encoded>
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    <itunes:author>Jim LeBoeuf</itunes:author>
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    <pubDate>Fri, 16 May 2025 08:00:00 -0500</pubDate>
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    <itunes:duration>599</itunes:duration>
    <itunes:keywords></itunes:keywords>
    <itunes:episodeType>full</itunes:episodeType>
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    <itunes:title>Ep. 1 Creating a Budget</itunes:title>
    <title>Ep. 1 Creating a Budget</title>
    <itunes:summary><![CDATA[Send us Fan Mail 🔎 Not sure where YOU stand financially? Take our FREE 2-minute Financial Pulse Check: 👉 https://netwealthnest.com/pulse Get your 2-minute Financial Pulse Check! Visit us for info on our coaching! Visit Our YouTube Channel   ]]></itunes:summary>
    <description><![CDATA[<p><a target="_blank" href="https://www.buzzsprout.com/2501127/fan_mail/new">Send us Fan Mail</a></p><p>🔎 Not sure where YOU stand financially? Take our FREE 2-minute Financial Pulse Check:<br/>👉 https://netwealthnest.com/pulse</p><p><a href='https://www.netwealthnest.com/pulse'><b>Get your 2-minute Financial Pulse Check!</b></a></p><p><a href='https://www.netwealthnest.com/'><b>Visit us for info on our coaching!</b></a></p><p><a href='https://www.youtube.com/@NetWealthNest'><b>Visit Our YouTube Channel</b></a></p><p><br/></p>]]></description>
    <content:encoded><![CDATA[<p><a target="_blank" href="https://www.buzzsprout.com/2501127/fan_mail/new">Send us Fan Mail</a></p><p>🔎 Not sure where YOU stand financially? Take our FREE 2-minute Financial Pulse Check:<br/>👉 https://netwealthnest.com/pulse</p><p><a href='https://www.netwealthnest.com/pulse'><b>Get your 2-minute Financial Pulse Check!</b></a></p><p><a href='https://www.netwealthnest.com/'><b>Visit us for info on our coaching!</b></a></p><p><a href='https://www.youtube.com/@NetWealthNest'><b>Visit Our YouTube Channel</b></a></p><p><br/></p>]]></content:encoded>
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    <itunes:author>Jim LeBoeuf</itunes:author>
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    <pubDate>Fri, 09 May 2025 23:00:00 -0500</pubDate>
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    <itunes:duration>908</itunes:duration>
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